historical low season for MF?

He guys,

Is there a typical pattern to the rates for money factor on leases from BMWFS?

I would think its end year but just curious if typically one can expect a drop in a certain month or time of year. I just ordered a car and realize my rate is locked with the ability to take advantage of a lower rate in October or perhaps November depending on when the car is delivered.

Any insight on what the normal trends are would be great even if I didn't choose the best time of year

I have the buy rate of .00145 now of course on my deal...

Thanks!

Dylan

the end of year low MF is usually balanced by a lower residual.

if you track the MF and residuals throughout the year, they tend to balance each other so payments are about the same. beginning of the year, high residual value, high MF, end of year, low residual, low mf.

year end tends to have options credits and other incentives.

Exactly what I was looking for. Thank you.

This is what doesn't make sense to me. I was looking at last years residuals for a 2012 650i. In September and October of 2011 it was 57% with a .00195 mf. In December it was 56% with a .00195 mf. And then in January it jumped to 62% with a .00195 mf and stayed that way until March. Why would the residual go up in January?

Because they likely eliminated the cash credits they had for the holiday sale so it was a wash?