View Full Version : Interested in '08 X5

01-13-2008, 12:41 PM
I was hoping someone would be able to help me out. I'm looking into getting an MY 2008 X5 3.0 w/ technology package and premium package. I want to lease for 36 months and 15,000 mi/year. Any idea of what I can expect as far as pricing goes with a down payment of $3,000? Thanks in advance for the input!

01-13-2008, 06:27 PM
Well, I wouldn't do a cap cost reduction down payment of any amount to begin with. Once you make it, it is gone and you won't get it back. I would, however, highly recommend using that $3000 as a multiple security deposit payment to buy down the money factor on the lease. These are totally REFUNDABLE at the end of the lease, or if the car is wrecked or totalled.

A vehicle with tech and premium (don't forgo the sport if it is in the budget...it is worth it on the x5) would MSRP at $52025, with an invoice of $47875 (add $3275 to that invoice price for sport).

A reasonably good deal would be about $1000 over invoice. Residual is 58% with a money factor at buy rate of .00270. Using the edmunds lease calculator (assuming you are paying Florida tax up front, but not including title fee) your total vehicle price, with $1000 over invoice would be approximately $51807.

Based on a MF .00270, four MSD's of approximately $3200, your money factor would be .00242.

Residual 58% = $30175.
MF .00242
$3200 MSD's

Payment approximately $847/month.

I would probably watch the money factors and rates. There was a owner loyalty reduction last month of a .001 MF drop for returning BMWFS customers.

I picked up a 08 4.8i with an MSRP of $71000, 7 MSD's, $500 over invoice for 36/12000 for $839/month. So, gives you an idea what that kind of money factor reduction can do for you.

04-30-2008, 06:19 PM
Hey Jasonrhcastle - Help me out on what each MSD does to the money factor. From your math above, it looks like each SD buys down the Money Factor .00007. Is that published somewhere or how did you know this. Would you suspect this buy down will always be 0.00007 (i.e. if the buy rate is lower on X5s like it is now, should I expect something different)?

I'm new to MSDs - I just heard about them a couple of weeks ago, but it sounds interesting.


04-30-2008, 07:17 PM
If your planning on leasing. There are a lot of resources in this forum. I'd strongly recommend going to the Ask-A-Dealer section. You'll find out plenty of valuable information. http://www.bimmerfest.com/forums/forumdisplay.php?f=20

Especially read up on the sticky's for leasing and MSD's.

05-02-2008, 05:01 AM
MSDs are good if and only if you have a bunch of money sitting around a money market fund getting 3% interest. They equate to about 7.5% interest I believe in the situation above so if you think we can get more interest by investing this money don't do MSDs. Plus don't forget you can't touch that cash until the end of the lease so essentially you don't have that cash for 3 years.

I perfer to invest this cash in stocks (blue chips with a good historical dividend) and this way I believe you could make more money plus your cash is available. On the other hand it is not as safe. Your choice.