First Timer, leasing 328i xDrive MSport line fully equipped

Hi dealers,

I'm looking at the following config ,

2013 328i xDrive MSport Line (Estoril Blue of course)

Loaded with all options and packages other than Heated Seats/Cold Weather Package

Config :
M Sport Line
Estoril Blue
Coral Red Leather

Driver Assistance Package
Driver Assistance Plus
Dynamic Handling Package
Lighting Package
Premium Package
Technology Package
Sport Automatic Transmission with shifters
Harmon Kardon

This MSRP is about 55,870

My Asking price is 51,959$ ~

Is it possible to bring the lease (39 month; 10,000 miles a year; 750 out of 850 transunion credit rating) to

1. Total Down Payment and at time of delivery of $5k-7.5k
2. Monthly lease including all taxes and fees, etc to 399$ ?

TLDR; $5-7.5k Total Cash at signing/delivery + monthly lease 399$ + for a $55,870 MSRP ?


- Bob from Boston

Originally Posted by buu

Hi dealers,

I'm looking at the following config ,

2013 328i xDrive MSport Line (Estoril Blue of course)

Loaded with all options and packages other than Heated Seats/Cold Weather Package

Config :
M Sport Line
Estoril Blue
Coral Red Leather

Driver Assistance Package
Driver Assistance Plus
Dynamic Handling Package
Lighting Package
Premium Package
Technology Package
Sport Automatic Transmission with shifters
Harmon Kardon

This MSRP is about 55,870

My Asking price is 51,959$ ~

Is it possible to bring the lease (39 month; 10,000 miles a year; 750 out of 850 transunion credit rating) to

1. Total Down Payment and at time of delivery of $5k-7.5k
2. Monthly lease including all taxes and fees, etc to 399$ ?

TLDR; $5-7.5k Total Cash at signing/delivery + monthly lease 399$ + for a $55,870 MSRP ?


- Bob from Boston

(a) no cold weather package, but all of that other fluff, on a car in Boston?? Wow. Speechless.

(b) you might want to rethink $5k-$7k down on a lease.

(c) have you tried calculating a lease using the rates and residuals listed on here?

Using your numbers, I see a payment of about $590 per month with MA tax assuming you pay just fees down. Each extra $1000 down reduces the payment about $30/month.

You may want to find out how the sell price was arrived. Make sure that you are getting the $1,000 Holiday Credit.

Also, I suggest that you get familiarized on how the lease figure is calculated. Having a thorough understanding of the calculation can be very helpful

Originally Posted by SARAFIL

(a) no cold weather package, but all of that other fluff, on a car in Boston?? Wow. Speechless.

(b) you might want to rethink $5k-$7k down on a lease.

(c) have you tried calculating a lease using the rates and residuals listed on here?

Using your numbers, I see a payment of about $590 per month with MA tax assuming you pay just fees down. Each extra $1000 down reduces the payment about $30/month.

Thanks Sarafil, but the cold weather package is only heated seats and steering . In the past 37 months and 4 winters, I've only used the heated seats around 10 times on my current car. And not even for myself, but for guests.

Moreover I garage my car, and don't street park, so don't see a need really, at least for me and my wife.

Thanks again!

PS: I was given a quote at 399/month with 5-6k down from a bmw dealer for a 48k asking price (51-52k MSRP). 328i xdrive sport line fully loaded (without cold weather package).

Originally Posted by EC7

You may want to find out how the sell price was arrived. Make sure that you are getting the $1,000 Holiday Credit.

Also, I suggest that you get familiarized on how the lease figure is calculated. Having a thorough understanding of the calculation can be very helpful

I've done a rough estimate of that, and I seem to cover everything

Here are the approximate figures I worked out with a dealer

1. MSRP 52k, Invoiced at - 48k - dealer given
2. Residual after 39 months - 26k - dealer given

Lease coverage:

3. Amount to cover 39 months - 48k-26k = 22k
4. Amount covered by monthly payments - 399*39=15561
5. Down Payment Calculation (Amount left to cover 39 months residual after monthly pays) 3-4 = 6439 . Actual 5439 (after $1000 Holiday Credit) (My Offer 5-7.5k that should cover all fees and taxes, etc.)

This is an aggressive deal.

Originally Posted by buu

I've done a rough estimate of that, and I seem to cover everything

Here are the approximate figures I worked out with a dealer

1. MSRP 52k, Invoiced at - 48k - dealer given
2. Residual after 39 months - 26k - dealer given

Lease coverage:

3. Amount to cover 39 months - 48k-26k = 22k
4. Amount covered by monthly payments - 399*39=15561
5. Down Payment Calculation (Amount left to cover 39 months residual after monthly pays) 3-4 = 6439 . Actual 5439 (after $1000 Holiday Credit) (My Offer 5-7.5k that should cover all fees and taxes, etc.)

This is an aggressive deal.

I can't make any sense out of your math. You are assuming 0% interest in those calculations. You need to find a lease calculator online (google "leaseguide") and plug in the numbers.

Originally Posted by SARAFIL

I can't make any sense out of your math. You are assuming 0% interest in those calculations. You need to find a lease calculator online (google "leaseguide") and plug in the numbers.

I've done that at several sites, and got numbers between 400-419.

419 at BMWUSA.com's

At leaseguide's , I did 1% interest rate and got 400/month (a dealer also gave me a final deal offer of 399/month with 7.5k down). The dealers tell me the invoice is 48k, which matches and is under online invoice calculators, but they don't tell me how much below that they're going. They just say "We're giving you a price under invoice"

Thanks again Sarafil!

First, DO NOT put that much down on a lease. Pay the tax title registration and maybe the acq fee and other fees up front but do not put a giant cap reduction on a lease. You lose that money if anything happens to the car.

Also if you have that cash available use it to put down MAX multiple security deposits (7). Each one will reduce the money factor (interest rate on a lease) by .00007 for a max reduction of .00049

The current money factor is .00125 i believe. it may be .00130 as well. I forget which one is on which model.

Assuming you pay all fees up front use the following calculation:
((Selling price-residual)/term) + ((selling price + residual)*money factor) to get a more accurate monthly payment before tax

The only reason you should ever put any money as a down payment on a lease is to reduce the payment below a $50 marker to reduce your MSDS.

Hope this helps some.

Originally Posted by MonkeyCMonkeyDo

First, DO NOT put that much down on a lease. Pay the tax title registration and maybe the acq fee and other fees up front but do not put a giant cap reduction on a lease. You lose that money if anything happens to the car.

Also if you have that cash available use it to put down MAX multiple security deposits (7). Each one will reduce the money factor (interest rate on a lease) by .00007 for a max reduction of .00049

The current money factor is .00125 i believe. it may be .00130 as well. I forget which one is on which model.

Assuming you pay all fees up front use the following calculation:
((Selling price-residual)/term) + ((selling price + residual)*money factor) to get a more accurate monthly payment before tax

The only reason you should ever put any money as a down payment on a lease is to reduce the payment below a $50 marker to reduce your MSDS.

Hope this helps some.

This is very insightful, thanks a lot!