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Old 02-16-2013, 02:43 PM
lawyer540 lawyer540 is offline
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Location: United States
Join Date: Jan 2009
Posts: 117
Mein Auto: '02 540i
what they are talking about is training and MACO. training is a fixed 180.
MACO depends on the metro area the dealer is in.
What is MACO? I am in Charlotte NC. Wonder what it is here?

Below are more details on the current deal. Is a 328, jet black with sport line, premium pkg, lighting pkg, heated front seats, and enhanced BT & USB. Invoice (based on edmunds) for this car should be $41,755, which includes the $895 destination charge.

MSRP $45,395.00
Capitialized cost $44,050.00
Bank fee $925.00
DMV fee $69.00
Dealer Fee $549.00
Tax on Rebate $52.50 (3% of the $1,750 cash BMW FS is kicking in)
Total CAP Cost $45,593.00
Cap reduction $(1,750.00) (No $ down out of my pocket, just the rebates from BMW FS)
Net Cap cost $43,843.00

Residual $28,598.85
Term 36 months
Money Factor 0.0013

PMT - $533.15
I am ok with the money factor. I don't like the $549 'dealer fee', as I am a firm believer that is PURE PROFIT for the dealer. Its another 'add on' to milk another few hundred bucks off you. They way I have it figured, if invoice is $41,755 (8% off MSRP), then add $500 over, puts it to 42,255. Then, if they paid $400 to get it, makes it $42,655. So $43,000 would be nice for them. Again, that DOES NOT include their $549 'dealer fee'.

On this deal, if they drop the cap cost to $43,000, that makes the payment $501. I think I could live with that. But I may argue the $400 off since I didn't agree to that up front. It was presumptuous on their part. If they believe I will walk unless they eat that cost, it may work.

What you do you guys think? this is my first BMW lease. I have done a lot of research, but would love to hear more opinions.

Last edited by lawyer540; 02-16-2013 at 02:52 PM.
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