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      01-15-2012, 12:14 PM   #23
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For one thing, I'm a client advisor for BMW. We just received the programs yesterday and if you have tier 1 credit, your MF will be .00195
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      01-15-2012, 12:21 PM   #24
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For one thing, I'm a client advisor for BMW. We just received the programs yesterday and if you have tier 1 credit, your MF will be .00195
What if you dont have tier 1? and what are the requirements for tier 1? If you know...thx

also, you wouldnt know what the mf is for tier 2?
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      01-15-2012, 12:36 PM   #25
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720+ credit score. I could be off, I believe it's .00225
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      01-15-2012, 01:07 PM   #26
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Quote:
Originally Posted by skooba View Post
For one thing, I'm a client advisor for BMW. We just received the programs yesterday and if you have tier 1 credit, your MF will be .00195
thanks skooba, too bad you are not local or we could talk business.
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      01-15-2012, 06:16 PM   #27
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Anytime, glad I can offer some sort of assist.
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      01-17-2012, 11:01 PM   #28
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anyone have residuals on other month options 24, 48, 60?
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      01-18-2012, 10:18 AM   #29
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Originally Posted by matt_335Ci View Post
anyone have residuals on other month options 24, 48, 60?

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      01-18-2012, 10:45 AM   #30
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Originally Posted by darksilkx1
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Originally Posted by matt_335Ci View Post
anyone have residuals on other month options 24, 48, 60?

Attachment 632806
36 months is okay. I hope the xi residuals are a little higher for the 2013 model year and I'll get one to replace my current Z4 lease.

42 and 48 are terrible. I guess BMW does a good job moving leased vehicles and wants them back within three years. I cant see any informed buyer going with a 42 or 48 month lease. And you want the car longer then that you might as well buy it.
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      01-18-2012, 11:58 AM   #31
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thank you sir!
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      01-19-2012, 04:04 PM   #32
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So what does this mean exactly?

That if you're gonna lease, only do it for 12/24 and 36? lol
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      01-27-2012, 10:49 AM   #33
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Basic question about leasing. With the quoted numbers above, is a mileage limit implicit in that? Ie. 10k per year? Reason I ask is I'm trying to determine leasing would work for me. I average close to 20k miles per year and typically only keep my cars 30 to 36 months. I was planning on financing but with the savings I heard about with ED leasing it's making me question.
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      01-27-2012, 10:57 AM   #34
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Quote:
Originally Posted by riguy View Post
Basic question about leasing. With the quoted numbers above, is a mileage limit implicit in that? Ie. 10k per year? Reason I ask is I'm trying to determine leasing would work for me. I average close to 20k miles per year and typically only keep my cars 30 to 36 months. I was planning on financing but with the savings I heard about with ED leasing it's making me question.
yes, mileage is a big factor as to the residual value, which is part of the determination of the lease cost.

20K is alot and you will pay alot more for a lease if you went this route, Id think financing may be more cost effective since the resids will be horrible.

However, there is no reason you should not be able to take advantage of the ED pricing for a finance deal, regardless of how you intend to pay, the ED pricing will be more competitive and should be the same regardless of lease vs finance.
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      01-27-2012, 06:14 PM   #35
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Quote:
Originally Posted by riguy View Post
Basic question about leasing. With the quoted numbers above, is a mileage limit implicit in that? Ie. 10k per year? Reason I ask is I'm trying to determine leasing would work for me. I average close to 20k miles per year and typically only keep my cars 30 to 36 months. I was planning on financing but with the savings I heard about with ED leasing it's making me question.
I have a 20k/year mile lease on my 2010 MSport. Residual for 60k miles after 3 years was 56% of MSRP. I'd expect similar numbers on the F30 models.
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      01-27-2012, 06:29 PM   #36
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Quote:
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Basic question about leasing. With the quoted numbers above, is a mileage limit implicit in that? Ie. 10k per year?.
Mileage limit for the table posted is 15K / year.
Add 2% to residuals for 12K/yr
Add 3% to residuals for 10K/yr

For higher mileage rates, I thought you had to buy them ($0.15/mi).
So, for 60K over 3 years, use the table for residual plus add $2250 cost for 15K miles.
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      01-27-2012, 08:12 PM   #37
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Thanks everyone...very helpful!
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      01-28-2012, 07:09 AM   #38
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Originally Posted by m630 View Post
yes, mileage is a big factor as to the residual value, which is part of the determination of the lease cost.

20K is alot and you will pay alot more for a lease if you went this route, Id think financing may be more cost effective since the resids will be horrible.

However, there is no reason you should not be able to take advantage of the ED pricing for a finance deal, regardless of how you intend to pay, the ED pricing will be more competitive and should be the same regardless of lease vs finance.
Residuals really only matter if you plan to purchase the car when the lease is up. 15000 extra miles is $2250. Mine is incorporated into the lease. when I add 2250 to the cost and divide it by the MSRP, my residual is not much worse.

For a 30 month lease, my residual goes from 65 to around 63%. Not that huge of a difference IMHO. Depends on what you are comfortable with. I would rather give up my car after I put 60000 miles in three years, not hold onto it.
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      01-28-2012, 11:31 AM   #39
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residuals

Quote:
Originally Posted by m630 View Post
yes, mileage is a big factor as to the residual value, which is part of the determination of the lease cost.

20K is alot and you will pay alot more for a lease if you went this route, Id think financing may be more cost effective since the resids will be horrible.

However, there is no reason you should not be able to take advantage of the ED pricing for a finance deal, regardless of how you intend to pay, the ED pricing will be more competitive and should be the same regardless of lease vs finance.
You people need to understand that as long as you are realistic with yourself as to how many miles per year you will be driving ; then you will not get into financial trouble with regards to leasing.
The NADA yellow book has a chart for determining value reduction for any vehicle driven over 15,000 miles per year. That penalty is derived by using 30-35 cents per mile in excess of 15k per year.
Most manufacture's financial arms that offer leasing (BMW,MB,Volvo,Audi and the domestics) have a penalty of 20 cents per mile in excess of state miles based upon your lease structure whether 10k, 15, or 20k miles allowed per year. As a general rule; most are pretty much the same.
so, would you rather pay 20 cents for excess miles at lease end or pay 30-35 excess based up NADA values when you elect to pay cash or finance your vehicle.
Monthly payment is important when considering your purchase whether you are leasing or financing (retail), but one needs to take into consideration the over all picture. A closed end lease would protect you in terms of the future value a vehicle in a given specified time. There are too many factors that can determine a vehicle's worth beyond your control. Therefore if you are normally a short term owner of 36-40 months; then leasing is a viable choice. On the other hand; you keep your vehicles for 6 plus years, then stay away from the lease concept.
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      01-28-2012, 04:42 PM   #40
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Residuals really only matter if you plan to purchase the car when the lease is up.
You do know residual values affect the cost of the lease.

Taking your example, 36mo @ 65% is less total cost than 30mo @ 62% and you have a car for 6 more months. Using ~48K MSRP with no discounts and base MF (0.00195), monthly payments (excluding taxes are 623 with 36mo and 746 with 30mo.
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      01-29-2012, 01:59 PM   #41
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Originally Posted by pcbrew
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Originally Posted by jzcrna View Post
Residuals really only matter if you plan to purchase the car when the lease is up.
You do know residual values affect the cost of the lease.

Taking your example, 36mo @ 65% is less total cost than 30mo @ 62% and you have a car for 6 more months. Using ~48K MSRP with no discounts and base MF (0.00195), monthly payments (excluding taxes are 623 with 36mo and 746 with 30mo.
I purchased extra miles and the residuals dropped. I ended up at 57% for 36 months and 62% for 30 months.

I would also be out of maintenance and warranty between 50 and 60 thousand miles with the 36 month lease.
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