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F10 / F11 (2011 - Current)
The new chapter in the highly successful story of the BMW 5 Series Sedan (F10) and wagon (F11)

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  #1  
Old 02-09-2013, 02:31 AM
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mryakanisachoad mryakanisachoad is offline
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February 5 series lease deals: best deals, EVER.

2250 lease credit for returning customers and .63 residuals for good credit.

You can lease a 5 series for less than an Acura. That's almost unbelievable, right?
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  #2  
Old 02-09-2013, 02:47 AM
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Quote:
Originally Posted by mryakanisachoad View Post
2250 lease credit for returning customers and .63 residuals for good credit.

You can lease a 5 series for less than an Acura. That's almost unbelievable, right?
I thought the residual is actually 66pct for 36 months?
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  #3  
Old 02-09-2013, 02:55 AM
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mryakanisachoad mryakanisachoad is offline
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Quote:
Originally Posted by jagu View Post
I thought the residual is actually 66pct for 36 months?
It was .63 last month. I don't think I've ever seen 67% for any car. That would be awesome - the payment for a 5 series would be like in the $300's.

"I'll take two".
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  #4  
Old 02-09-2013, 03:03 AM
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Quote:
Originally Posted by mryakanisachoad View Post
It was .63 last month. I don't think I've ever seen 67% for any car. That would be awesome - the payment for a 5 series would be like in the $300's.

"I'll take two".
I was wrong, 66pct is for 24 months 15k. So, is the 63pct for 36 months and do you know what the 30 month residual is?
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Last edited by jagu; 02-09-2013 at 03:04 AM.
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  #5  
Old 02-09-2013, 03:19 AM
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K-A K-A is offline
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The Lease credit (cash value) sounds great, but is a 63% (I'm assuming on a 36 month Lease) that good? I mean, I know it's *technically* great, but in this day and age with insanely artificially raised residuals to give cars out for cheap rentals, I can't tell what's what in terms of what a truly "high" residual is supposed to be.
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  #6  
Old 02-09-2013, 03:54 AM
PeterC4 PeterC4 is offline
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Quote:
Originally Posted by K-A View Post
The Lease credit (cash value) sounds great, but is a 63% (I'm assuming on a 36 month Lease) that good? I mean, I know it's *technically* great, but in this day and age with insanely artificially raised residuals to give cars out for cheap rentals, I can't tell what's what in terms of what a truly "high" residual is supposed to be.
It is very good. In Canada it is tough to get past 45% on the residuals at BMW right now.
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  #7  
Old 02-09-2013, 03:54 AM
smashhell smashhell is offline
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Quote:
Originally Posted by mryakanisachoad View Post
It was .63 last month. I don't think I've ever seen 67% for any car. That would be awesome - the payment for a 5 series would be like in the $300's.

"I'll take two".
How would it be 300 payment?
Can anyone do some calculation?
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  #8  
Old 02-09-2013, 04:14 AM
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K-A K-A is offline
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Quote:
Originally Posted by PeterC4 View Post
It is very good. In Canada it is tough to get past 45% on the residuals at BMW right now.
Ah. What do I know, I guess.... I got a 74% residual on a 24 month Lease.

Only thing that sucks is, two years in, I might not have had enough of this car a 74% buyout is quite insane.
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  #9  
Old 02-09-2013, 07:45 AM
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markl53 markl53 is offline
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Quote:
Originally Posted by smashhell View Post
How would it be 300 payment?
Can anyone do some calculation?
Here is how to calculate a lease:

Monthly Payment = Depreciation Fee + Finance Fee

Depreciation Fee = (Cap Cost-Residual)/Term
Finance Fee = (Cap Cost+Residual)*MoneyFactor

Cap Cost = Vehicle Cost+Acquisition Fee+Tax+Title/Tags (use negotiated cost)
Residual = Vehicle MSRP*Depreciation Factor (use MSRP)

EDIT: MF = APR% / 2400, example, 3% APR = .00125 MF
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Last edited by markl53; 02-09-2013 at 10:29 AM.
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  #10  
Old 02-09-2013, 08:58 AM
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DieselNY DieselNY is offline
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Quote:
Originally Posted by smashhell View Post
How would it be 300 payment?
Can anyone do some calculation?
Lol when pigs fly. Its a silly comment for someone to think the lease payment would ever be that low.

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  #11  
Old 02-09-2013, 09:05 AM
The X Men The X Men is offline
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Quote:
Originally Posted by markl53 View Post
Here is how to calculate a lease:

Monthly Payment = Depreciation Fee + Finance Fee

Depreciation Fee = (Cap Cost-Residual)/Term
Finance Fee = (Cap Cost+Residual)*MoneyFactor

Cap Cost = Vehicle Cost+Acquisition Fee+Tax+Title/Tags (use negotiated cost)
Residual = Vehicle MSRP*Depreciation Factor (use MSRP)
At 3.2% APR, 0 down, 63% residual, MSRP=$60K and 36 months. That comes out to about $770, that about the average price recently on the BMW website.
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  #12  
Old 02-09-2013, 09:26 AM
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too bad the diesel isn't out by now
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  #13  
Old 02-09-2013, 09:49 AM
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mryakanisachoad mryakanisachoad is offline
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Quote:
Originally Posted by smashhell View Post
How would it be 300 payment?
Can anyone do some calculation?
If you do 2k over invoice on a 528i with a .67 MF (which doesn't exist to my knowledge) you wind up in the 390's with the extra 1,500 lease credit for February.



The advertised payment for a car with a bunch of options has dropped to 439 so it's already close to 300's.
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  #14  
Old 02-09-2013, 09:52 AM
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Quote:
Originally Posted by mryakanisachoad View Post
If you do 2k over invoice on a 528i with a .67 MF (which doesn't exist to my knowledge) you wind up in the 390's with the extra 1,500 lease credit for February.



The advertised payment for a car with a bunch of options has dropped to 439 so it's already close to 300's.
Use the calculations I show above and see if it works out. BTW, I think you mean .67 residual, not MF.
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Last edited by markl53; 02-09-2013 at 09:54 AM.
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  #15  
Old 02-09-2013, 09:55 AM
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mryakanisachoad mryakanisachoad is offline
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Quote:
Originally Posted by DieselNY View Post
Lol when pigs fly. Its a silly comment for someone to think the lease payment would ever be that low.

Sent from my SCH-I535 using Bimmer App
Um, the NEW advertised payment for a well equipped 528i is $439. Take out the options and the payment is in the 3's.

So the payment is already "that low". You're the only one who made a silly comment here lol
.
.
.

Last edited by mryakanisachoad; 02-09-2013 at 09:59 AM.
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  #16  
Old 02-09-2013, 10:06 AM
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mryakanisachoad mryakanisachoad is offline
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Quote:
Originally Posted by markl53 View Post
Use the calculations I show above and see if it works out. BTW, I think you mean .67 residual, not MF.
Yes, you're correct. It looks like the residuals and money factors remained the same for 36 month Feb leases and now BMW is giving you an additional $1,500 for this month.
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  #17  
Old 02-09-2013, 10:08 AM
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SARAFIL SARAFIL is offline
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Quote:
Originally Posted by markl53 View Post

EDIT: MF = APR% / 1200, example, 3% APR = .0025 MF
No, MF = APR% / 2400. 3% ARP = 0.00125 MF
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  #18  
Old 02-09-2013, 10:28 AM
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Quote:
Originally Posted by SARAFIL View Post
No, MF = APR% / 2400. 3% ARP = 0.00125 MF
Whoops -- ok, thanks (fixed above)
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  #19  
Old 02-09-2013, 10:37 AM
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markl53 markl53 is offline
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Quote:
Originally Posted by mryakanisachoad View Post
Um, the NEW advertised payment for a well equipped 528i is $439. Take out the options and the payment is in the 3's.

So the payment is already "that low". You're the only one who made a silly comment here lol
.
.
.
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.
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Last edited by markl53; 02-09-2013 at 10:47 AM.
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  #20  
Old 02-09-2013, 10:43 AM
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I have no idea how to calculate and figure these lease programs.

What is the final truth with the amount to put down and the monthly note on this F10 lease? How long would the lease have to be for? Sorry to ask for a handout answer. Thank you!
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  #21  
Old 02-09-2013, 11:05 AM
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DieselNY DieselNY is offline
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Quote:
Originally Posted by mryakanisachoad View Post
Um, the NEW advertised payment for a well equipped 528i is $439. Take out the options and the payment is in the 3's.

So the payment is already "that low". You're the only one who made a silly comment here lol
.
.
.
Does this $300 lease come with tires and engine or is that extra?

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  #22  
Old 02-09-2013, 11:18 AM
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BickUW89 BickUW89 is offline
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Quote:
Originally Posted by K-A View Post
Only thing that sucks is, two years in, I might not have had enough of this car a 74% buyout is quite insane.
My experience with two previous leases on BMWs is that the residual isn't necessarily the price you'll pay to own the car if you choose to buy it at the end of the lease. As a result, you can save some serious $$ by leasing then buying.

Specific example: I did a 3 year lease on my 2008 550i, with a negotiated residual value of $43,500. When my lease was up, my dealer sold the car to me for $36,000 - a stomping $7,500 savings.
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  #23  
Old 02-09-2013, 11:35 AM
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dunderhi dunderhi is offline
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Quote:
Originally Posted by mryakanisachoad View Post
Um, the NEW advertised payment for a well equipped 528i is $439. Take out the options and the payment is in the 3's.

So the payment is already "that low". You're the only one who made a silly comment here lol
.
.
.

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.
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  #24  
Old 02-09-2013, 12:21 PM
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mryakanisachoad mryakanisachoad is offline
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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.

I'll repeat: February 2013 looks like the best month ever to lease a 5 series. The extra 1500 bucks lowers the payment by 40 dollars and gets a base 528 into the high 300's which is practically Honda Accord territory. A 535i can be had for under 500 bucks.

It's cheaper to lease a 5 series today than 10 or even 20 years ago. You don't even need to factor for inflation. It's just cheaper, even in constant dollars and even though the price of a 5 has gone up so substantially.

BMW really seems more interested in leasing you a car than selling you a car. It really does seem that way. It's a fascinating dynamic.

Is there anyway to obtain sales vs. lease data for specific models within a brand? I'd be curious to see what percentage of 5 series are leased today and then compare the number to 10 years ago.

Last edited by mryakanisachoad; 02-09-2013 at 12:24 PM.
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  #25  
Old 02-09-2013, 01:43 PM
The X Men The X Men is offline
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Last May, BMW had a $2500 lease credit for the F10. The most I have seen last year was $3000 credit plus they had the $1000 drive for USA credit last year as well for a total of $4000 off.
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