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Discussion Starter · #1 ·
While reading another thread, I started thinking about residual value v. realistic value. I have a 2015 328 x-drive base model, leased for 36 months with 20k miles/year. On my lease document, the agreed residual is approximately $23k. I highly doubt a low optioned 3 year old 328 xdrive with 60k miles will be worth anywhere near 23k. ASSUMING the car has been trouble free and I want to finance a purchase of it, can I get the car for its real world realistic rate and save a significant amount of $$$? Basically turn the car back, let BMW CPO the car, and then magically buy it back from BMW/dealer before it even hits the used car lot?
 

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What is RV% for this lease?

Many posts mentioned that they negotiated discounts off of RV during lease end buyout, so it is possible based on market conditions. It looks like F30's 3-year lease RV is 10% more than FMV(e.g. 55% vs 65% wrt MSRP) at least in CA. However do note the bank fees plus interest, even with favorable RV and cap cost and rate, runs around 10%, so the RV discount needs to be 10% to break even with cash purchase.
 

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They call it dynamic pricing. 90 days out from lease end you can reach out via the dealer (who serves as the intermidiary between you and bmwfs) re: 'actual' price to buy the car at lease end. My cars rv is $23k for a 320i w/ only sport pkg and moonroof with 10k miles per year. Reakistically itll be worth about $18k. If i could get it for that price id prob just buy it but i doubt they would go that low.
 

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Discussion Starter · #5 ·
I believe the RV% is 63%.
 

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RV is around 12-15% off from real value. Realistically the car loses about 45-50% of its value in the first 3 yrs

20k miles a year is really going to accelerate that drop in value. 3 year old car with 60k mi on it is crazy
 
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