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  • jpljpl Member Posts: 36
    Hi: Being offered 05 BMW 330ci, w/at, prem. pkge, Xenon, cold wthr. pkge, & 17 inch wheels, msrp=$43,320, invoice= 39,700

     

    36 mos. 12k miles, $1924 up-front $515 per mo., includes NY sales tax. Appreciate any & all advice.

     

                                     Thanks, jpl
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi murphdog. Wow this is your 7th lease in the past 5 years, you have the new car itch even worse than I do ;). Ford's, and in turn Lincoln / Mercury's, incentives are sort of in limbo right now. Its December incentives and lease program were originally scheduled to run through January 3rd, but for the most part were recently extended until the 10th. Using its December program, if you were to lease a 2005 Lincoln Navigator 4WD through Ford Credit right now for 3 years with 12,000 miles per, its base lease rate and residual value should be 4% and 48%, respectively. As you can see, Ford Credit publishes what are known as lease rates instead of money factors for the vehicles that it leases. You can convert this lease rate into an approximate money factor equivalent by dividing it by 2400. So a lease rate of 4% would be equivalent to a money factor of around .00167 or so. Don't forget to take the lease cash and Ford Credit cash that are available on this truck into account when you negotiate its capitalized cost. Ford is no longer providing any sort of lease support on the 2004 Lincoln Navigator. If you really want to lease one, it should be fairly expensive to do so at this point given how far its residuals have fallen, you probably would be best off doing so through an independent bank.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hello mdorf. You are absolutely much better off if you negotiate the selling price of the vehicle that you want to lease before having the dealer work up lease payments for you. Doing so makes it much easier to tell how good a deal you are getting. Do some research here on Edmunds.com to find out how much money you should pay for this vehicle. A good place to start would be the "Volvo XC90: Prices Paid & Buying Experience" discussion. Once you have an idea of what you should pay for this truck, stop back here and I can tell you exactly what its current lease program is like (give me a few days because I have not seen Volvo's new January program yet). Then take the pricing information that you have looked up and this lease program and plug it into the formula that is outlined in the following article: Calculate Your Own Lease Payment. This will tell you approximately what your payment for this XC90 should be. If you follow the above steps you will assure yourself of getting a good deal on the XC90 that you want.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're very welcome, Kamran. In addition to the selling price of the car that you want, I also need you to provide me with its full MSRP, including destination charges, in order to calculate a sample lease payment for you. It wouldn't hurt if you told me how many miles per year you need to be able to drive your Jetta as well, 10,000, 12,000, or 15,000.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    You're very welcome, newtoleasing. I am glad that you find this discussion so informative. Definitely make sure to stop back after you have found out all of the necessary info to calculate a lease payment on the vehicle that you are considering and I will be more than happy to try to give you an idea of what your lease payment on it should be like. Talk to you soon.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi jeffsauls. I am not surprised that Audi has enhanced its lease program on the 2005 A4 even further. It is doing its best to help dealers clear their remaining A4s off of their lots in anticipation of the arrival of the completely redesigned version in a couple of months. Audi just introduced its new January lease programs a couple of days ago and I have not had an opportunity to take a look at it yet. Please feel free to post a reminder in this discussion for me in a few days and I will be more than happy to fill you in on what I have been able to find out about this car's new lease program. Talk to you then.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi jpl. I am confused. In your post you mentioned both the MSRP and invoice prices of this car. Are you getting it for invoice? If not, it would be a big help if you would tell me what its selling price is.

     

    Car_man

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  • mabubbamabubba Member Posts: 53
    Carman,

     

    Can you tell me the money factor and residual for 2005 Pilot EX-L for 36 months/15k per year? I believe the Dec. numbers ended Jan. 5.

     

    Thanks,

     

    John
  • deadlurkerdeadlurker Member Posts: 4
    22,220 is the MSRP with Destination charges included.

     

    10 or 12,000 miles a year work for me. I doubt I'll even drive that many with this car.
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Greetings John. Honda is scheduled to introduce its new January incentives and lease programs at some point today. As you can imagine, I have not seen them yet. Please feel free to check back with me in a few days and I will be more than happy to try to give you an idea of what its new lease programs is like on the vehicle that you are considering.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Thanks for the additional information, Kamran. OK, let's see, you are interested in leasing a 2005 Volkswagen Jetta GLS 2.0 Sedan with an MSRP of $22,220 and a selling price of $21,653 through VW Credit for 3 years with 10,000 miles per. According to my calculations, this car would have a zero down, pre-tax monthly payment of right around $264. With 12,000 miles per year, this car's payment would increase to around $270 or so. Having calculated this payment already, I need to say that I think that you will be able to negotiate a more attractive selling price than this on this car, especially after taking into account the $700 dealer cash that is available on leases of this model through VW Credit.

     

    Car_man

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  • vw_vrooomvw_vrooom Member Posts: 4
    Car_Man:

     

    Found out the residuals dropped down 2% on the MDX to 57% (Touring) and 58% (Base Model), everything else remains the same.

     

    MF=.0023/MSRP (Touring) $40k/Neg Price = $37,475/42m/$12k miles/$540m

     

    For the Base Model Neg. Price was $34,300/Monthly Pymt $500m

     

    Thanks in advance.
  • mabubbamabubba Member Posts: 53
    I got a quote for a 36 month lease (12k/year) at $373.06/month with 1st payment and plates due at signing for the Pilot EX-L. I wasn't given a selling price, so I asked for one. The MSRP is $32,635. Good deal?

     

    John
  • deadlurkerdeadlurker Member Posts: 4
    I was waiting to hear about the new offers but haven't heard anything...i'll ask about the 700 dealer cash on leases thanks.

     

    The dealership was offering me around 250 a month for 48 months....i'm curious how you get around 264 for 36months?

     

    Is that normal to have a higher monthly payment if i'm leasing for only 36 months vs 48months?

     

    Kamran
  • rnwrnw Member Posts: 6
    Car man,

    This is the latest on my negotiations for a MB E320 Wagon. I don't have any other information yet other than MSRP and monthly lease rate. Here are the details:

    2005 E320 Wagon

    MSRP $58,510

    includes Sunroof Pkg., Navigation, Entertainment Pkg, Heating Pkg.

    Terms of Lease: 36 Months, $0 Down, 12K Miles per year, $688 per month. At signing $688 1st month payment, $895 Acquisition Fee, $443 MV fees for term of lease, $7.50 NJ Tire Tax. I have used TMV, dealer incentives, and MB money factors. The only way I can get to this rate is by heavily discounting the Cap Cost and using a very high residual. This looks like an excellent deal and I am ready to sign. Any guidance would help. Thanks again, RNW
  • goodmangoodman Member Posts: 6
    Thank you. The sticker is $49,600, and the invoice is $46,300. One dealer told me a selling price of $46,500, which I think is probably a good price. So, I think using a selling price of $46,500 is close enough to let me know what the numbers "should" be.

    I also waiver between the whole lease concept vs. buying, I've always purchased.

     

    (I will tell you that I've been to several Cadillac dealerships and have been gravely disappointed in their inability to sell a car, answer questions, "Professionalism???"...lack of calling back, etc. That's the topic for another discussion and a long letter to the chief of Cadillac's sales division which I'm more than willing to write: its really been abysmal and I'm exactly the kind of buyer Cadillac is or should be catering to... 49yrs old(and holding), six figure income, learned how to drive on my parents' cadillacs, want to buy US and I actually own GM stock!!!)
  • alphawolfalphawolf Member Posts: 100
    Car_man,

     

    In Florida, does one pay sales tax on the full price of the lease or just the initial transactions at the dealer?

     

    Thanks in advance.

     

    Regards,

     

    Dean
  • mrmusicmanmrmusicman Member Posts: 4
    My TL lease through AHFC is ending. I am few thousand miles over the mileage allowance. The car needs new tires, and has a few minor scratches and dings, otherwise it is in pretty good condition. It is my understanding that AHFC has a $1500 wear and tear allowance (although I have not verified this in my contract).

     

    1. What does the $1500 allowance apply to--does it cover the tires, or do I need to get new tires?

     

    2. I may have a friend that is interested in purchasing the car. It is my understanding AHFC will not sell directly to a third party. Does anyone know how I can accomplish this transaction?

     

    Thanks.
  • lapena76lapena76 Member Posts: 1
    Car Man,

    In researching the invoice and TMV prices on a 2004 G35 AWD premium package on edmunds I found that these prices were higher than what the dealer has quoted me. I was quoted $31,921 from a dealer in my area in IL on the 04 AWD with prem.package. However, when I looked this up with the options and all, I got a invoice price of $32,745 and TMV of $32,496. Did I do something wrong or do dealers generally sell under invoice?? Please advise. Zip used was 60435.
  • corralcorral Member Posts: 58
    A friend of mine wants to lease a 2004 or 2005 nissan murano sl awd. What are the leasing incentives through nissan motor acceptance corp. He want to lease for 42 months and 42000 miles.

     

    Thanks
  • ajejajej Member Posts: 1
    I realize this deal is probably over since it is now January, but I saw ads in the newspaper for a Volvo XC90 with an MSRP of $43,000 leasing for $399/mo. I think it was about $3100 out of pocket up front costs and here is PA that was probably before taxes. Anyway, I was just quoted today at rate of $568/mo for an XC90 2.5 MSRP 45,865, selling price of $41,304. That is 12,000 miles and 48 months, no money down just inception costs. How can the rate vary that much??? That's $169 more per month for a lower selling price car. Even if I put money down it can't help that much. What can I do? Did Volvo's program change that much?
  • Kirstie_HKirstie_H Administrator Posts: 11,242
    I may have a friend that is interested in purchasing the car. It is my understanding AHFC will not sell directly to a third party. Does anyone know how I can accomplish this transaction?

     

    I'm not an expert by any means, but I believe that in most cases, you'll need to purchase the car yourself and then sell it to your friend. You might want to check into whether this is a better deal for your friend - if your end-of-lease purchase price is less than the asking price for the same vehicle on used car lots, he could save some money (assuming you sell it to him for the same price as your end-of-lease purchase price).

     

    If you don't purchase it, this car will end up on a dealer's lot, and your friend will have to purchase it from the dealership.

    MODERATOR /ADMINISTRATOR
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  • ortegaortega Member Posts: 112
    Just a reminder - have you had the opportunity to look at the AHFC numbers yet? My original post is pasted here:

     

    "Hi CarMan. I was wondering if you had the January lease numbers for Acura. I've been offered a 2005 Acura TL w/NAVI for $33,000 (this is in NJ). Looking into 36 or 39 month lease, no money down. What are the residuals and money factors with AHFC for January?" Also, out of curiosity, what would a 24 month lease look like?
  • whackedwhacked Member Posts: 14
    Car_Man, can I please have the numbers on these for the NYC area?
  • whackedwhacked Member Posts: 14
    That is, the Honda CR-V LX and Toyota Rav-4 L. Sorry for any possible confusion.
  • gold233790gold233790 Member Posts: 183
    Ok....first, I am NOT the expert here. Not even close. But I figured I'd weigh in......

     

    You said the ad indicated $3100 "out of pocket". Is it "due at signing" or "cap cost reduction". There's a big difference there, as due at signing would indicate your down payment plus first month, acq. fee, and DMV fees. Cap cost is just your down payment. (I should say that carman is going to advise you not to make ANY type of down payment, with very good reason.)

     

    Anyway, if it is a $3100 cap reduction (down payment), that's about $60 or so a month right there. Now, your $2800 higher MSRP on the vehicle you are looking at is probably worth at least another $25 or so. Also, your $568 probably includes taxes, whereas the $399 does not. That probably adds in the range of $30-40 a month on this lease. Another factor is the mileage. Many of the leases you see advertised include 10,000 miles a year as the basis. Anything more is an increase in price. This also does not take into account the possible differences in this month's lease program.

     

    Anyway, there are TONS of factors to explain the possible differences (and one may be that you are getting taken by your dealer :)), but in all likelihood the numbers are much closer than they appear. Also, there's probably a little "meat on the bone" on both ends, as Carman likes to say.

     

    I am FAAAAAR from an expert, but I wanted to throw my .02 in.
  • scott31scott31 Member Posts: 292
    Never EVER lease a vehicle for longer than its warranty.
  • ackermanackerman Member Posts: 16
    Hi Car_Man,

    Need Rates & Residuals on 2005 A4 Cabriolet 1.8T, 3.0 and S4 versions if you can post them now.

    Thanks.
  • dbozmandbozman Member Posts: 23
    I'm two years into a three-year lease on an '03 Saab 93 and am interested in getting out of it, if possible. I have enjoyed the car very much and gotten great service from Lund Cadillac/Saab in Phoenix. However, my lifestyle is changing and I'd like to get into something different. Ultimately, I don't think leasing is for me, though I'm glad to have given it a try.

     

    Is there any way to turn the car in early on the purchase of a GM pre-owned vehicle ... since GM owns Saab? Any input would be appreciated. Thanks.

    dion
  • mfreelandmfreeland Member Posts: 3
    I am nearing the end of my 3 year lease this year and I have found this web page very helpful but I do have one question. My husband and I wanted to buy our car at the end of the lease but if the bank does not take our offer the residual calculations I found showed that we would be in the poor house. So my question is can we just give the car back? It would be cheaper for us to give the car back and buy a new car all over again (not leasing of course). The car is in great condition and we have not exceeded our mileage. Is it possible to give the car back without leasing another one?
  • steine13steine13 Member Posts: 2,825
    "So my question is can we just give the car back?"

     

    Honey, that is what leasing is all ABOUT! Congratulations for not being over mileage.

    No go and buy somethign nice with good resale... or go buy a nice USED car with lousy retail.

     

    -Mathias
  • valleydrivervalleydriver Member Posts: 5
    Car_man,

    Appreciate all the hand-holding here.

     

    I went to five local Mazda dealers in the metro Los Angeles area. While they all replied with generic, 'thanks for contacting us' e-mails, nobody sent the quote I was looking for.

     

    I sent a second e-mail. I've got two quotes, one of which only mentions the price of the car and no lease terms. A third response, 'from the worlds biggest seller of Ford cars,' insists on doing this on the phone.

     

    my wife had no problem doing an internet deal for a Lexus. is it because I'm looking at a cheaper car?

     

    any suggestions? maybe AutoNation?

     

    thanks,

    valleydriver
  • mrmusicmanmrmusicman Member Posts: 4
    Thanks for the info. Any thoughts on the $1500 allowance??
  • markcolemarkcole Member Posts: 6
    Carman. How are you? First, thanks for the info on a Saturn VUE lease about a month ago. I've moved on to a Honda Accord LX sedan 4 cyl, AT, lease, no options. The specifics are:

     

    MSRP 21162

    Selling Price 19900

    Residual 11544.50

    Money Factor .00077

    36 months

    15 000 miles per year

     

    They're offering me $299 per month with $0 down and they pay the first payment. Is this a good deal? What would a good deal be? I guess the bottom line is : What should I pay per month for this lease? Thanks in advance.

     

    Mark
  • gmuppetgmuppet Member Posts: 1
    Great forum you have here, I have learned lots for all of you. MSD sounded like the greatest thing ever but...

    I have received conflicting info from Lexus, BMW & Volvo. Regarding Multiple Security Deposits in NY.

    BMW Dealer said it's not legal in NY Lexus - said they don't do it anymore Volvo - said SURE! leave 10 sec deposits, monthly lease payment will be reduced by about $65!! (So if he is correct is must be legal right?)

     

    Here is my question: Do you (or any one else on the boards) know the truth and/or law about MSD in New York??

     

    Here is what I found on the various websites:

    From the BMW website:"Multiple Security Deposits are limited by law in the state of New York"

    From the Volkswagon website:"The total allowable security deposit in New York is $749"

    From the volvo website:"The Multiple Security Deposit Program may not be available in all areas"

                Thank you in advance. Grover
  • markcolemarkcole Member Posts: 6
    Carman,

    I forgot to mention sales tax is 7% of selling price here.

    Thanks.
  • not_too_shabbynot_too_shabby Member Posts: 4
    I'm looking at leasing another Saab sportwagon after our current lease is up in about 3 months. My dealer is playing the game of just quoting me a payment on anther vehicle and not giving me the selling price, residual, or money factor info.

     

    Do you have the lease incentives for a 9-5 Aero wagon w/ auto, and 9-5 arc wagon? Also do you have residual and MF info? Are there any saab loyalty cash incentives? TIA
  • coby03coby03 Member Posts: 55
    Hello Car_Man,

     

    I've been given a quote on a three year, 12,000 mile per year lease on a Chrysler 300C AWD of $504 per mo (not including tax). The MSRP is $37,300 and I would be paying the tax, plates and first month payment at delivery. I live in Ohio. I think this is a pretty good deal (through Chrysler Financial), but wanted to check with the expert (YOU) before I pull the trigger. Thanks for your help!

     

    Ken
  • cpagemcpagem Member Posts: 5
    Thanks Carman for the advice. If you have the new lease program numbers for the Lexus LS430 I'd appreciate it.
  • jettatdijettatdi Member Posts: 2
    I'm thinking of leasing a 2005 325xi. I want metallic paint, premium pkg, cold weather, pkg, and a manual trans.

    Dealer here has to order new and has quoted me a MSRP of 35,194 including destination charge of 695.00, Right now I have them down to $34,194. Their 36 month lease has a MF of .0018 and a residual of 21,027. Total taxes and tags would be $1554.68, which I could pay in cash, bringing pmt to about $506. Seems high to me and according to some online lease calculators. Deal or not? Can I get more off MSRP?
  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Thanks vw_vrooom. I've had an opportunity to take a look at Acura's new January lease program as well. Acura cut the lease money factor of .00210 that it was providing on this truck in December to .00196 (.00206 without a security deposit) this month, but as you mentioned its residual values fell as well. Also, this special lease money factor is no longer available for 42 month leases. It is available for only up to 36 months. If you were to lease a 2005 Acura MDX Touring without navigation or the rear entertainment system with an MSRP of $40,000 and a selling price of $37,475 for 36 months with 12,000 miles per, your zero down, pre-tax monthly payment should be right around $495. The payment for an otherwise identical 48 month lease should be $455.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey John. I am not sure that I understand your post. You stated "I wasn't given a selling price, so I asked for one. The MSRP is $32,635." What did they say when you asked for this truck's selling price? Are you implying that it is the same as its full MSRP? If so, then this isn't a very good deal. I can play with some numbers and tell you approximately what I think the monthly payment for this truck should be like. A typical base 2005 Honda Pilot EX-L has a substantial margin between its full MSRP and dealer invoice prices. For now, I will assume that you are being given a $1,500 discount on this truck, which is reasonable, but certainly can be beaten in some areas. According to my calculations, if you were to lease a 2005 Honda Pilot EX-L without navigation or the rear entertainment systems that has an MSRP of $32,635 and a selling price of $31,135 through American Honda Finance Corp. right now for 3 years with 12,000 miles per, its zero down, pre-tax monthly lease payment should be right around $399. So clearly, you are being given a bigger discount than $1,500 on this truck, especially if its security deposit is being waived. This lease looks good to me, but it definitely wouldn't hurt to find out the exact selling price before signing anything.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Kamran, generally speaking, the shorter a lease is, the higher its monthly payment will be. This is because new vehicles experience their highest rate of depreciation during the first twelve months of ownership. The larger the number of payments that one can spread out this large depreciation hit over, the lower their payment will be. A three year lease has twelve fewer payments to absorb the depreciation hit than a four year lease does.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey rnw. The MSRP is a good starting place for us to play with some numbers. We can always estimate what sort of selling price you can expect. I have finally had an opportunity to take a look at the new January incentives for Mercedes-Benz. This month, it is providing $2,500 dealer cash on the 2005 E320 Wagon. This cash may be used on leases through Mercedes-Benz Credit. Let's assume that you are able to negotiate a modest $1,500 discount on this car (given the substantial spread between its MSRP and invoice prices I definitely could see you getting more of a discount than this in a competitive area). When we subtract the $1,500 and the $2,500 dealer cash from this wagon's $58,510 MSRP, we arrive at a selling price of $45,510. Acording to my calculations, using these prices a 3 year, 12,000 miles per lease of this model through Mercedes-Benz Credit should have a zero down, pre-tax monthly payment of around $780. So clearly, you are being given a bigger discount than $1,500. This looks like an attractive offer to me.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Thanks for the additional information, goodman. Two hundred dollars over invoice for a 2005 Cadillac STS V6 is definitely a good price. OK, using a full MSRP of $49,600 and a selling price of $46,500, if you were to lease this car through General Motors Acceptance Corp. right now for 4 years with 12,000 miles per, its zero down, pre-tax monthly payment should be right around $757.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi Dean. I haven't heard anything about how tax is calculated on leased vehicles in Florida lately, but the last time that I looked into it, Florida taxed the monthly payment and down payment on leases. You may be able to find out more informaiton on this subject by visiting the following Web sites: Florida Department of Highway Safety & Motor Vehicles or The State of Florida - Taxation.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi mrmusicman. AHFC's $1,500 excess wear and tear waiver would include your car's tires. You may be able to get a dealer to help you facilitate the sale of your leased vehicle to a friend if the dealer that you visit is able to purchase your car directly from AHFC.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hey lapena76. The reason why the dealer that you spoke with is able to sell you the 2004 Infiniti G35 AWD that you are interested in for under invoice is that Infiniti is currently providing $1,000 dealer cash on this car. The combination of this cash with dealers' desire to unload their leftover inventory makes purchasing one for under invoice very possible.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Greetings corral. In order to give you an idea of what the lease programs are currently like on the 2005 and 2004 Murano, I need to know exactly which trim level your friend is interested in, i.e. a Murano SL AWD, S 2WD, etc... Once I have this additional information I will be bale to help you out.

     

    Car_man

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  • CarMan@EdmundsCarMan@Edmunds Member Posts: 38,514
    Hi ajej. One of the main differences between the lease that you saw advertised and the payment that you were quoted is the substantial down payment. A down payment of several thousand dollars will lower a vehicle's lease payment significantly. Having said this, it is never a good idea to make a down payment when leasing, so you are going about things the right way by getting a zero down quote. Let's work up a sample lease payment on this truck for you using its current lease program and see what we come up with. According to my calculations, if you were to lease a 2005 Volvo XC90 2.5 AWD with an MSRP of $45,865 and a selling price of $41,304 through Volvo Finance right now for 4 years with 12,000 miles per, your zero down, pre-tax monthly payment should be right around $479. It is difficult to say why the lease payment that you were quoted is so much higher than this, but it certainly appears as though there is some padding in their from this dealer's efforts to make some additional profit off of this deal.

     

    Car_man

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