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The sixth generation BMW 3 Series Sedan F30/F31/F34 and the first first generation 4 Series Coupe F32/F33/F36. Get the latest 3 and 4 series pricing from our ordering and pricing guide sticky thread.

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  #76  
Old 01-30-2014, 05:26 PM
ddeliber ddeliber is offline
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Location: Boston Area
 
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Quote:
Originally Posted by bmwprincess949 View Post
That's what I'm saying! something is off like MSDsmoney factor rate or something.
Well, the residual is pretty low, actually very low when you compare it to a 428i (62% @10k mi) and a 320i (65% @10k). I didn't look up the 328i though as I was comparing lease deals posted here and I didn't see one near the top of the lists.

A diff that big will easily add a good chunk to a 3yr lease. Edit: I think the diff betw 10k and 15k miles per yr on a lease is 4%. Anyone know the residuals on a 328?

Last edited by ddeliber; 01-30-2014 at 05:32 PM.
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  #77  
Old 01-30-2014, 05:47 PM
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tturedraider tturedraider is offline
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Quote:
Originally Posted by mauicoug View Post
Geez, don't put money down on a lease!! Once you drive off, if anything happens to the car, you are out your entire down payment.
While it is true putting money down on a lease is not a good idea this information is not correct. It is not a foregone inevitability that all the money put down on a lease would be lost if the car is totaled or stolen. It depends on the payoff on the lease and the value of the car at the time of the loss. If the value of the car exceeds the payoff amount of the lease then the insured/lessee would receive the difference.

If one made a $10,000 down payment so that the payoff on the lease was $35,000 and the value of the car at the time of loss was $42,000 then BMWFS would receive $35,000 and the lessee would receive the remaining $7,000.

Gap insurance is automatically included on all BMWFS leases, so by making a large down payment one shifts the risk of loss off of BMWFS and assumes it for themselves.

If no down payment is made, so that the payoff in the situation referred to above was $45,000 and the value of the car at the time of loss was $42,000 then the GAP insurance would cover the $3,000 deficit and BMWFS would forgive it. The lessee would experience no additional loss beyond the amount of the lease payments made prior to the loss.
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Last edited by tturedraider; 01-30-2014 at 06:01 PM.
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  #78  
Old 02-06-2014, 03:47 PM
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hey BMW princess... I got the car for you.... where did you go?
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  #79  
Old 02-06-2014, 06:10 PM
jayesch jayesch is offline
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Location: Santa Monica
 
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Mein Auto: 335i
Quote:
Originally Posted by tturedraider View Post
While it is true putting money down on a lease is not a good idea this information is not correct. It is not a foregone inevitability that all the money put down on a lease would be lost if the car is totaled or stolen. It depends on the payoff on the lease and the value of the car at the time of the loss. If the value of the car exceeds the payoff amount of the lease then the insured/lessee would receive the difference.

If one made a $10,000 down payment so that the payoff on the lease was $35,000 and the value of the car at the time of loss was $42,000 then BMWFS would receive $35,000 and the lessee would receive the remaining $7,000.

Gap insurance is automatically included on all BMWFS leases, so by making a large down payment one shifts the risk of loss off of BMWFS and assumes it for themselves.

If no down payment is made, so that the payoff in the situation referred to above was $45,000 and the value of the car at the time of loss was $42,000 then the GAP insurance would cover the $3,000 deficit and BMWFS would forgive it. The lessee would experience no additional loss beyond the amount of the lease payments made prior to the loss.
You would still lose all the tax, documentation and DMV fees you paid.
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  #80  
Old 02-06-2014, 09:45 PM
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stevehecht stevehecht is offline
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Mein Auto: 2014 328d;1990 325i coupe
Quote:
Originally Posted by Saintor View Post
The 328d basically comes stripped down and no more significant equipment than a 320i, except power seat and splitted rear seat.

Xenons lights are optional.
Leather is optional.
Moonroof is optional.
Heated front seats are optional.

Premium packs are the same price on both 328d/320i except that the 320i's one includes... power seat.
The 320i does not come with DHP as a package choice. That was one deciding factor for me to go with the d.
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  #81  
Old 02-06-2014, 09:57 PM
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stevehecht stevehecht is offline
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Mein Auto: 2014 328d;1990 325i coupe
Quote:
Originally Posted by ddeliber View Post
The car is IMO over priced by a couple thousand dollars, and the intentionally deceptive "8" vs "0" badge (not to mention just skipping over the 325d) just leaves too bad a taste in my mouth, so I won't buy one new. The market is adjusting, and the real prices are coming down, I just wonder if they will ever get it and adjust things (MSRP) accordingly. Hell, in Germany the 320d costs something like (edit as I had it wrong here->)2000 Euros LESS than a similarly equipped 328i. It is a shame because it is really a great car. Not as great for my taste as a 330d would be, but great none the less.
If my purchase can serve as an example, the market is already adjusting 328d prices downward. I basically eliminated the 328d/328i delta of $1500 when I purchased my d on January 27th. Between the negotiated price and January incentives on the 328d (including Eco credit) I got the car for 10.5% under MSRP, or 7.5% under the 328i MSRP. Most buyers would be very happy with 7.5% under MSRP.

I'm sure BMWNA is well aware that diesels are a relatively hard sell in the U.S. and are prepared to take a bit of hit to get them on the roads in meaningful numbers. Whether they like it or not they know that diesel sales are integral to their CAFE strategy here. So, potential diesels buyers--take the upper hand in your negotiations!--American bias is working in your favor.
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2014 328d SportLine Melbourne Red//DHP/Sport AT/Lighting Package/Moonroof/M Sport Steering Wheel/Mega Speed-JR Auto Bench Tune/Dinan Shockware/H&R rsb/Kelleners Sport Front Lip Spoiler & Trunk Spoiler/19x8.5 VMR 721 Gunmetal/BavSound Stage One/XPel/OptiCoat/ Prestige PhotoSync/FormulaOne Pinnacle
1990 325i coupe M52B28 engine swap/TMS Conforti chip/M52 intake/E36 steering rack/Bilstein HD/M3 springs/M3 rsb/Cabrio fsb/3.46 LSD/Z3 short shifter/M3 Sport custom cloth seats/M Tech spoiler
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