[tifosi360]

Originally Posted by bavarianboar

0 percent improvement in RV from August. hahah

Does anyone have the residual values for F31 328 station wagon?

Thanks

[BMWDavid]

Originally Posted by Mwm1166

Same for 435i?

Same for 435i

[ssedha]

Originally Posted by GOLFFRR

15k 60%
12k 62%
10k 63%

let us know if there is anything else at all you need

Same for the 435i? Spoke to David today via email. He definitely is the man! Very prompt and right to the point and answered all of my questions. The revised numbers are not too bad afterall...

Thank you David and GOLFFRR!!!

[328AL]

Originally Posted by ///jbeck

You can do a 60 day lock, so as long as you signed (not your pick up date), 60 days from when you place your order you should be good to go.

90 days for the west coast, we have to wait longer for our cars

[richng]

Originally Posted by GOLFFRR

15k 60%
12k 62%
10k 63%

let us know if there is anything else at all you need

Any ideas on X3 MY14?

[Explorer3253]

Dumb question. Are the residuals the same for the xi and the I?

[GOLFFRR]

Originally Posted by ssedha

Same for the 435i? Spoke to David today via email. He definitely is the man! Very prompt and right to the point and answered all of my questions. The revised numbers are not too bad afterall...

Thank you David and GOLFFRR!!!

Thank you!

Originally Posted by 328AL

90 days for the west coast, we have to wait longer for our cars

That is correct. West coast 90 days, East coast 60 days

Originally Posted by richng

Any ideas on X3 MY14?

I have a text into David, as soon as he shoots me a reply back I will PM you since this is a f30 post I dont want to have any confusion.

Originally Posted by Explorer3253

Dumb question. Are the residuals the same for the xi and the I?

I would think yes, however to be certain I asked David this as well and as soon as I hear back I will post up for you

[GOLFFRR]

Originally Posted by Explorer3253

Dumb question. Are the residuals the same for the xi and the I?

sorry for the slight delay, David sent them to me a while a go but I got tied up. The Xi and i are the same

[GOLFFRR]

Originally Posted by richng

Any ideas on X3 MY14?

pm sent, let me know if you need anything else

[Deleted853]

So, for 435i the residual value for 36 months is 15k/60 12k/62 10k/63
MF = .00125

Are there any incentives or build out cash?

[JasonX4MComp]

Originally Posted by Mwm1166

So, for 435i the residual value for 36 months is 15k/60 12k/62 10k/63
MF = .00125

Are there any incentives or build out cash?

Those are correct. No build out cash, just $500 Loyalty Cash. UDE can be used as well if you have that

[Deleted853]

Originally Posted by Jason335iMsport

Those are correct. No build out cash, just $500 Loyalty Cash. UDE can be used as well if you have that

I'm doing an ED, and first time buyer, so neither of those apply to me. I just wanted to confirm lease rates as I think I'm going to do a 36month prepaid lease I think before I leave on the 20th.

According to what I was told, this should be my MF after figuring everything off the base rate.

If MF is .00125
+ ED .00030
Total .00155

.00155
- Prepay .00080
- 7 MSD .00049

Total MF for my prepaid lease would be .00026 does that sound correct?

[JasonX4MComp]

Originally Posted by Mwm1166

I'm doing an ED, and first time buyer, so neither of those apply to me. I just wanted to confirm lease rates as I think I'm going to do a 36month prepaid lease I think before I leave on the 20th.

According to what I was told, this should be my MF after figuring everything off the base rate.

If MF is .00125
+ ED .00030
Total .00155

.00155
- Prepay .00080
- 7 MSD .00049

Total MF for my prepaid lease would be .00026 does that sound correct?

I've never done a prepaid lease before but from what I've looked up that does look correct.

[328AL]

Originally Posted by Mwm1166

I'm doing an ED, and first time buyer, so neither of those apply to me. I just wanted to confirm lease rates as I think I'm going to do a 36month prepaid lease I think before I leave on the 20th.

According to what I was told, this should be my MF after figuring everything off the base rate.

If MF is .00125
+ ED .00030
Total .00155

.00155
- Prepay .00080
- 7 MSD .00049

Total MF for my prepaid lease would be .00026 does that sound correct?

Pre-paid lease? You do understand that if your car totaled or stolen the next day it comes here in US, you get $0 in return, no car no money?

Plus, you may be taxed on top of your prepayment?

[Deleted853]

Originally Posted by 328AL

Pre-paid lease? You do understand that if your car totaled or stolen the next day it comes here in US, you get $0 in return, no car no money?

Plus, you may be taxed on top of your prepayment?

That's not actually true...BMW puts your money into an escrow account and then makes payments to itself monthly from it. However, by prepaying the entire thing into the escrow account, it significantly lowers the MF and the hassle for me. Also, it still has gap insurance etc.... Look it up, it's a damn fine program.

[328AL]

Originally Posted by Mwm1166

That's not actually true...BMW puts your money into an escrow account and then makes payments to itself monthly from it. However, by prepaying the entire thing into the escrow account, it significantly lowers the MF and the hassle for me. Also, it still has gap insurance etc.... Look it up, it's a damn fine program.

Have you read the contract? GAP insurance protects only the difference between an unpaid balance ($0 in your case) and an insurance payoff for a loss; it has no use for a pre-paid lease. You maybe confusing it with MSDs?

[BDWonder]

Originally Posted by Jason335iMsport

52% for 15k miles. 54 and 55 for 12 and 10k

Jason, have the rv stayed the same in September as in August for 435? How do September rates compare to August. Thank you!

[BDWonder]

Originally Posted by GOLFFRR

15k 60%
12k 62%
10k 63%

let us know if there is anything else at all you need

Yes please, what are September rates for 435, and how they compare to August.

[ssedha]

Originally Posted by BDWonder

Yes please, what are September rates for 435, and how they compare to August.

I think they stayed the same as compared to August...

[Deleted853]

Originally Posted by 328AL

Have you read the contract? GAP insurance protects only the difference between an unpaid balance ($0 in your case) and an insurance payoff for a loss; it has no use for a pre-paid lease. You maybe confusing it with MSDs?

Their one pay lease doesn't actually pay BMW all at once. It takes your money, puts it into a 3rd party escrow account, from which automatic payments are made to BMWFS on your behalf monthly.

So, essentially, BMW FS doesn't have all of your cash at one time. Therefore, whatever is left in the account, in the case of a total loss will be calculated and returned to you.

The advantage of having them escrow the entire lease payment at one moment which then makes the payments for you is a reduction in the MF by .00080, if you do that on top of the .00049 MSD you're talking about a pretty big reduction from the standard .00125 rate.

[Deleted853]

Originally Posted by 328AL

Have you read the contract? GAP insurance protects only the difference between an unpaid balance ($0 in your case) and an insurance payoff for a loss; it has no use for a pre-paid lease. You maybe confusing it with MSDs?

The only conflicting information I have is whether or not a I can use MSD and Single Pay reductions in MF together. Some have said yes, others have said no. So, we're still getting to the end of that.

Also, the reasoning behind doing a single pay lease... I was going to pay cash for the car. So, in my mind, the money is spent. However, it's a new model and first few months make of a new model.

To me, this presents some inherent risk. If the car was unmanageable with little issues and problems, and I wanted out before maintenance and warranty expired, I would have to sell the car that I paid a hefty sum for. Also, by then others would have to be made aware of the teething issues. So I would lose more from my sale.

However, if I leased it, I was locking in my purchase price if it was rock solid after three years, and I could still own it outright. However, I also had the option of just turning it in at the end and dumping the headache.

In almost all the scenarios, I ran numbers on, I came to total cost to own with a lease and buy, and an outright cash purchase. The difference between these was like less or right around a grand a year for three years. To me, I viewed this as an insurance policy I would be willing to pay.

However, if the program details aren't correct and I can't reduce the money factor as much as I'm being led to believe, then that spread gets wider.

Either way, I have some risk. But that was my thinking. If I could use .00125 + .00030 (ed cost) -.00080 (prepay) - .00049 (MSD) then I would have a money factor at .00026 which equates to an APR of something like .65%. Which in my eyes seems like a fair amount for three years for the option to turn the car back in.

But, like I said, I haven't seen official papers drawn up, and the MF might not look that good (if I can't use the MSD and Prepay discounts).

[328AL]

Originally Posted by Mwm1166

Their one pay lease doesn't actually pay BMW all at once. It takes your money, puts it into a 3rd party escrow account, from which automatic payments are made to BMWFS on your behalf monthly.

So, essentially, BMW FS doesn't have all of your cash at one time. Therefore, whatever is left in the account, in the case of a total loss will be calculated and returned to you.

The advantage of having them escrow the entire lease payment at one moment which then makes the payments for you is a reduction in the MF by .00080, if you do that on top of the .00049 MSD you're talking about a pretty big reduction from the standard .00125 rate.

Do you have a reference, document or a link, I have not heard that.

Also, you never responded on my Tax question, since you make a payment, isn't it taxed as your down payment in addition to regular taxes? Do you have a brake down of you payments and charges? I'd like to run your numbers and compare them to a regular payment schedule.