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Old 02-09-2013, 06:38 PM
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bayoucity bayoucity is offline
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Location: Houston
 
Join Date: Jun 2010
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Mein Auto: 2011 335d & 2014 535i
If you add up the Down Payment & Acquisition fee ($3,725) & spread it over 36 payments. The real monthly payment = $103.47 + whatever advertised monthly payment.

The monthly payment shall be fairly close to markl53's calculation.

Quote:
Originally Posted by markl53 View Post
Ok, not sure how that deal is calculated. I just used my formula from above and here's what I got:

2013 528i, with Premium and Cold packages, Navigation (does that constitute "well equipped"?)

MSRP - $54395
Negotiated price (Assumed invoice - $1500) - $48500
Depreciation Factor- .63
Acquisition Fee - 550
Tax - 2425
TItle/Tags - 150
Capital Cost = $51626
Money Factor = .00125 (3%)
Term = 36 mos

Depreciation Fee = $482.14
Finance Fee = $107.37
Total monthly cost = $589.51

For a "stripped" 528i, with only metallic paint and leather seats:

MSRP - $50895
Negotiated price (Assumed invoice - $1500) - $45370
Depreciation Factor- .63
Acquisition Fee - 550
Tax - 2270
TItle/Tags - 150
Capital Cost = $48340
Money Factor = .00125 (3%)
Term = 36 mos

Depreciation Fee = $452.10
Finance Fee = $100.50
Total monthly cost = $552.61

EDIT: Just saw the deal on bmwusa.com. 30K miles over 36 months, is a low mileage deal, 10K miles /year.
Quote:
Originally Posted by dunderhi View Post
From BMWUSA:

BMW 528i Sedan Special Offers

Well equipped including features such as Premium Package (Leather, Comfort Access, Satellite Radio, Power Tailgate), Automatic Transmission, iPod/USB adapter, Xenon headlights and Destination charges.


$439*/month for 36 months. $1,500 Lease/APR Credit and $750 Loyalty Cash included in payment.


Vehicle Registered outside N.Y.
$439 First months payment
$3,000 Down payment
$0 Security Deposit
$725 Acquisition fee
$4,164 Cash due at signing

Excludes tax, title, license and registration fees.

The upfront costs are $7-8k assuming one qualifies for the loyalty cash.

Mark's numbers are closer to how a typical lease buyer structures the lease. The residual will drop to .60 for a 15k/yr lease which will also increase the monthly payment by about $50/mo.
Quote:
Originally Posted by mryakanisachoad View Post
One more time: the $439 advertised lease payment is for a car with ~$4,000 of options. Knock an option or 2 off, and you're in the high 300's. I was clear about this; perhaps you missed it?

Or perhaps you just want to be contrary and disagree with me. I'm cool with that even though it's not going to get you anywhere.
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