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F10 / F11 (2011 - Current)
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Old 09-14-2015, 06:12 PM
tomormatt tomormatt is offline
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Location: Calabasas
Join Date: Sep 2015
Posts: 13
Mein Auto: 2008 528
Rate my lease - feel free to be brutal if necessary

I am looking for feedback on lease terms. As background, I have typically paid cash for cars, but have grown tired of the monthly depreciation being pretty comparable to a lease payment and having the burden of selling the car at the end of the lease.

I am looking at a 528(i). I am fine with very few of the options, but the ones I like (i.e. comfort access) are included in packages and most of the dealers in my area have cars with one or more packages.

I had negotiated a lease on a 528(i) with a premium package + a few more options. With the current incentives ($2,000 build out cash), I had the following deal lined up:

2015 528(i) dark graphite metallic
premium package
rear view camera
park distance control
heated front seats

36 month lease
12,000 miles / year
MSRP: $55,905
Gross Cap Cost: $49,600
Residual: $34,661 (62%)
Money Factor: .0013
Monthly Payment: $536 + tax

The drive off amount would be the acquisition fee ($925) + license / registration + doc fee ($80) + first month

The dealership was also advertising any M package equipped BMWs at $8,000 of MSRP. Before I pulled the trigger on the vehicle above, I am looking at the following, which I viewed as essentially the same car + m package:

2015 528(i) mineral grey
m sport package
premium package
rear view camera
park distance control
heated front seats
black kidney grille

36 month lease
12,000 miles / year
MSRP: $59,065
Gross Cap Cost: $51,065
Residual: $36,620 (62%)
Money Factor: .0013
Monthly Payment: $515 + tax

Although I really do not see much value in the m package (especially at its actual cost), I am leaning heavily toward the one with the m sport package. The large spread between the MSRP and negotiated price creates smaller gap between the negotiated price and the residual value resulting in a lower payment despite the higher msrp & gross cap cost.

I intend to lease a new car at the end of this lease or the higher residual value on the m sport would be more of an issue.

Wondering if people can be brutally honest on the lease terms and if I am not thinking of this correctly. Would also like thoughts on the m sport package. The 2008 528 I just sold had the sport package, but it is so much older and I had a 328 before so I have no real basis to compare the sport with the non-sport. I understand the seats are a little different, nice steering wheel, cosmetic enhancements, but I am really only interested in it because it has no impact on the cost of the lease (actually a little less).

Thanks in advance.
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Old 09-14-2015, 08:23 PM
Yinzer's Avatar
Yinzer Yinzer is online now
Location: Blitzburgh
Join Date: Jul 2014
Posts: 3,336
Mein Auto: ATS-V,535, Forester
Just save yourself time and a headache and contact Greg Poland at Pacific Bmw.
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Old 09-14-2015, 08:23 PM
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rkinra rkinra is offline
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Location: Washington, DC
Join Date: Dec 2006
Posts: 318
Mein Auto: 2014 535i MSport
Personally, I only like the look of the F10s w/ the MSport package. Then to add to it that that version of the car is a cheaper monthly payment (due more $$ of MSRP), I'd get the cheaper lease payment car & smile out the door.
Current: 2014 535i Carbon Black | Black Leather | Anthracite | /// M-Sport w/ 704 | SAT | ZPP | ZDA | HK Radio | Multi-contour seats

2011 Range Rover Sport
2009 535i
2007 525i
2002 330ci
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Old 09-14-2015, 10:18 PM
KevinMR KevinMR is offline
Registered User
Location: Bay Area, CA
Join Date: Jul 2006
Posts: 39
Mein Auto: 2015 535i
Originally Posted by Yinzer View Post
Just save yourself time and a headache and contact Greg Poland at Pacific Bmw.
2015 535i space gray, black, M Sport
Formerly in the garage:
1986 325e - reliable first BMW
2003 M5 - fun at 9 mpg
2008 535i white, Sport, Comfort - best car I ever owned
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Old 09-15-2015, 06:53 PM
nyca nyca is offline
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Location: ny
Join Date: Aug 2014
Posts: 89
Mein Auto: m3
Are you using 7 MSDs?

With the MSDs, I get $539 a month with the sales tax (paid monthly) for the first deal. With no MSDs, I get $585 a month with the sales tax.

So you have to tell us whether you are using the MSDs, it makes a big difference.
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Old 09-15-2015, 09:23 PM
Officially Welcomed to the 'Fest
Location: sunny and warm in winter
Join Date: Jun 2011
Posts: 491
Mein Auto: 2014 528 LCI
Both of your deals as listed above with minimal out of pocket are excellent!
Not many dealers will be close to your deal or what is listed below (near same as your deal, estimate anywhere in USA)
New 5er 8-9.5k off (your deal is 8k off)

bankrate/lease calc. i used 8% usage tax, estimate

Your right there as listed 2nd car above, same numbers.

Depends what you pay out of pocket, lic, doc, etc as follows:
advance payment 556.46 (1st mo payment)
total cap reduction 696.36
upfront charges 602.00 (could be lic plate)
ttl out of pocket $1854.82 drive off

No need for multi MSD in this or your numbers.

Enter the MSRP:

Final Negotiated Price:

Down Payment:

Usage Tax (Sales Tax) (%):

Length of Lease (months):

New Car Lending Rate (%):

Car Value at End of Loan:

Capitalized Cost: $ 51065.00 59065.00 MSRP minus discount
Lease Price: $ 51065.00 minus $ 0.00 down payment
Residual Value: $ 36620.00 after 36 months
Depreciation Fee: $ 401.25 part of lease payment
Lease Fee: $ 113.99 part of lease payment
Monthly Payment: $ 515.24 without tax
Usage Tax: $ 41.22 8.00 % of 14445.00
Total Monthly Payment: $ 556.46 What you pay

Last edited by eLECTRO eDITION; 09-15-2015 at 09:52 PM.
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Old 09-19-2015, 12:41 AM
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Greg@Pacific BMW Greg@Pacific BMW is offline
Greg Poland Pacific BMW
Location: Glendale, CA
Join Date: Aug 2010
Posts: 2,819
Mein Auto: 2011 X5 3.5 M sport
Hey OP.....send me an email. Let's talk.
Warmest Regards,

Greg Poland-Sales Manager
Pacific BMW A 2015 Center of Excellence
800 South Brand Blvd.
Glendale, CA 91204
818 254 1491
Euro delivery, PC delivery, Out of state-new and used car sales
Hours:T-F 1-8 PM,Sat 1 to 8pm, off Sun and Mon.

Current rides: 2013 X5 msport and 2013 535i
15% over wholesale/invoice for all accessories! and free shipping for Bimmerfest members!!
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Old 09-19-2015, 10:54 AM
bmw325 bmw325 is online now
Officially Welcomed to the 'Fest
Location: New York, NY
Join Date: Dec 2001
Posts: 9,903
Mein Auto: 528i
I guess I don't see a reason not to get the Msport equipped car if its cheaper.

Some advantages of it:
-Nice leather (nappa vs dakota)... I've really come to appreciate the softer leather on mine.
-Nicer steering wheel (a bit thicker)
-18" vs 17" wheels -- and they look much better than the base wheels

There's no difference in seats or suspension (on the 528) btw. Also note that paddle shifters are extra even on the Msport (if you care). So you're right that there is zero performance benefit to it (maybe slightly better handling from lower profile tires).

Personally, I could do without the Msport body kit and black headliner, but its fine. The blacked out trim is nice IMO...i'm not a fan of chrome.

I haven't run the numbers to know if your lease is good, but it seems within reason (my very quick test is to see if they montly payment with 0 down other than MSDs is less thant 1% of MSRP). With a well negotitated BMW lease that's almost always the case.

Last edited by bmw325; 09-19-2015 at 11:01 AM.
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