03-01-2013, 01:31 PM | #23 |
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2013 328i xDrive M-sport | MSRP $46k | 36m/10k | $0 down | $461/m tax included
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03-01-2013, 10:43 PM | #24 |
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03-02-2013, 11:10 AM | #25 | |
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$0 down. $1900 due at sign. first month. bank fee 725. DMV doc fee and tax for the $3000 rebate I had.
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03-02-2013, 05:55 PM | #26 | ||
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NOW, what most likely happened is the $3k rebate was applied to cap cost reduction unless you're stating the $3k rebate covered "fees" in which case, the balance of the $3k or $1100 would have been applied as CCR which IS "down payment" This thread is stupid because the unknowns such as residual at time of lease inception, set by the lender and money factor, determined by credit & marked up by the dealer among other things....
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03-06-2013, 04:30 PM | #27 | |
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downpayment is what you put to reduce the cap cost. There are fees that you can't roll into the monthly payment like DMV fees, doc fee, first month etc. Now. $3k rebate was applied to cap cost reduction but i paid $0 down out of my pocket. Depends on state, some do not allow you to apply rebates to due at sign. $0 down and $0 due at sign are two different things.
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Last edited by hollandog; 03-06-2013 at 04:36 PM.. |
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03-07-2013, 01:02 AM | #28 | |
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Dont know if you can see it very well... -Premium Package -Technology Package -Heated Seats -Mineral Grey Metalic I went to Center BMW in Van Nuys CA.
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03-07-2013, 05:31 AM | #29 | ||
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2TP Traded 9-1-13 '13 Estoril Blue II F30 - 328i - ZMM - ZPP -ZDY - ZTB - 403 - 465 - 494 - 4DX- LC (Black) - 6NL |
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03-07-2013, 12:35 PM | #30 | |
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every dealers here advertise $0 down. does it mean $0 due to sign? no. there are reasons why they are called differently.
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03-07-2013, 10:54 PM | #31 | ||
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03-08-2013, 07:21 AM | #32 |
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What is your take on national/dealer lease specials? They seem to offer low monthly payments but want high cash due at signing. Are they any good or just a way for dealers to scam us on a so-called "deal"?
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03-08-2013, 07:56 AM | #33 | |
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'14 Estoril Blue II F30 - 335i - ZMM - ZPP - ZTP - ZPS -
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03-19-2013, 04:25 PM | #34 |
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Got quoted
410 a month(no tax) 1700 out of pocket 36 yr x 15k mi a year 39500 msrp(base) 37,000 purchase price Includes 1750 in rebates Yay or nay?
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03-19-2013, 04:33 PM | #35 | |
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MSRP: $38,645 Negotiated Price: $36,645 (500 over invoice) 36 Months 10,000 mi/year .00130 MF Incentives: $500 USAA $750 Loyalty $1000 3 Series Sedan Incentive Base Payment: $387.85 Total Payment $415.00 (Tax included 7% FL) Total Due Signing: $653.76 for Registration etc all fees and includes the 1st month payment. I think i got a good deal.... |
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03-19-2013, 04:37 PM | #36 |
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3yr/10k miles per year
487/month Paying the fees and taxes up front. Nothing additional down. I think the MSRP was just under 51k with my options. 328xi Alpine White Tech package Premium Lighting Cold Weather Drivers assistance HK stereo Alarm Hope I did ok. I was happy with it. First BMW |
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03-19-2013, 04:37 PM | #37 |
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Comes out about even with your deal considering 15k mi at $.16 is 2400/36=$67 difference a month
Looks like I may jump on this deal
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03-19-2013, 04:45 PM | #38 |
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03-19-2013, 06:07 PM | #39 | |
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03-20-2013, 08:18 PM | #40 |
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Btw, I did end up getting the 328i
409 a month(no tax) 2000 down 36 month 15k mi a year 60% residual .0013 money factor 780 fico score
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03-20-2013, 08:26 PM | #41 | |
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Why? You total loss the car for some reason you lose your $2000. Keep it in the bank and pay a higher payment. And if you MUST part with $2k put it towards MSDs not a cap reduction. Congrats, enjoy the car, live, learn, and next time don't put money down on a lease, pay a higher payment and keep the money aside :P |
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03-20-2013, 08:37 PM | #42 | ||
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03-21-2013, 09:37 AM | #43 | |
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First of all you shouldn't be worried about totaling your brand new car immediately and possibly losing your down payment. You have gap insurance to cover the loss if a rarity like that should occur. Second, it's really just a mental thing. If you put $2000 down and pay a lower number instead of putting $0 down and paying higher you end up paying the same thing in the end. I'd rather have a lower monthly payment but that's just me. I don't see how it's a "bad" idea to put money down on a lease. |
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03-21-2013, 09:56 AM | #44 | |
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So if I lease a car $0 down, and you lease a car with $2000 down (cap cost reduction), BOTH Cars GAP insurance will cover the total of the car, but you won't get a refund check for $2,000 or $5,000 or whatever amount you put down. That money is lost. Nobody leases a car expecting to have a total loss obviously, but shit happens? Or are you guaranteeing there is 0% chance this occurs to you? I rather have a higher monthly, put the money aside and pay towards the higher monthly so that I still feel like the monthly is lower, so that in the event of a catastrophic loss, I don't lose whatever money I haven't paid yet which I put aside. Does this make sense? Like you said, the end result is the same, money down or not in total payments, but the middle result isn't should you have a total loss. I keep whatever is left of my $2k going towards each payment in my bank where you lost it all. |
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