[Prissy]

Originally Posted by puma1552

So I guess you don't know your interest rate either.

Who cares though, the deal is in front of you already! lol

Not if you know the details of your deal, which you obviously don't.

The interest that I need to pay are included in payments.
I know every detail of my lease. Of course... I signed the paper.

[puma1552]

yea, you dont know your interest rate, its pretty obvious you have no idea what actually comprises your payment.

enjoy!

[Prissy]

Originally Posted by puma1552

yea, you dont know your interest rate, its pretty obvious you have no idea what actually comprises your payment.

enjoy!

Again... you are just giving yourself more headache lol, I already told you I have and know every single detail of my lease and yes that includes my interest rate with BMWFS and selling price.

But like I said, they are not important at the end.
My way: No number games, go straight to the deal.
Your way: Confuse yourself out with numbers, and get a good selling price. But your monthly payment will be higher than you thought.

Let's just save OP some time and braincells.

[puma1552]

Originally Posted by Prissy

Again... you are just giving yourself more headache lol, I already told you I have and know every single detail of my lease and yes that includes my interest rate with BMWFS and selling price.

But like I said, they are not important at the end.
My way: No number games, go straight to the deal.
Your way: Confuse yourself out with numbers, and get a good selling price. But your monthly payment will be higher than you thought.

Let's just save OP some time and braincells.

how do you arrange a deal without numbers?

i dont confuse myself and dont get ripped with extra fees, because im smart enough to know all my numbers that comprise my payment, and theres nowhere for the dealer to tack in extra crap. some people actually know how to take all the numbers and put them together to arrive at a payment with no surprises.

[Prissy]

Originally Posted by puma1552

how do you arrange a deal without numbers?

i dont confuse myself and dont get ripped with extra fees, because im smart enough to know all my numbers that comprise my payment, and theres nowhere for the dealer to tack in extra crap. some people actually know how to take all the numbers and put them together to arrive at a payment with no surprises.

If you are smart enough, you should know what I am talking about already... We are on page 2 now... Not everyone is experienced like you with numbers, that is why OP was here asking for help. You'd be surprised what a dealer can pull outta their ass, you guys can both agree on the sell price, but you will not like the monthly price they offer at the end, this might include an extra amount of down payment.

There shouldn't be any surprises, but like I 've said in my last post and the post before and before, the dealer will just hit you with something on top of your payment (in case you forget: ie down payments).

Again here's my deal, and I asked you earlier with a question but you did not answer me... Here's the question again: "Looking at my quote, does knowing final sell price makes a difference?"

MSRP $600XX

0 money down
$555 a month, tax included (NY sales tax)
39 month lease
10k per year


Looks simple huh? Because it is.

[puma1552]

yea, you should stop giving advice in leasing threads.

i noticed not once did you deny you shopped on payment, and thats the only way you can "do a deal with no numbers."

youre paranoid about getting extra bs fees tacked on, but youre probably the prime victim to end up with extra fees, because its obvious you shop on payment and couldnt even put the numbers of your own deal together to get your lease price because you blindly signed as soon as the dealer said they could get you in a car for $550.

anyway this is getting hella old and you give bad advice consistently in lease threads so i figured you needed to be called out on it finally.

"The interest I need to pay are included in the payments." lol no shit sherlock, says it all right there.

[Prissy]

Originally Posted by puma1552

yea, you should stop giving advice in leasing threads.

i noticed not once did you deny you shopped on payment, and thats the only way you can "do a deal with no numbers."

youre paranoid about getting extra bs fees tacked on, but youre probably the prime victim to end up with extra fees, because its obvious you shop on payment and couldnt even put the numbers of your own deal together to get your lease price because you blindly signed as soon as the dealer said they could get you in a car for $550.

anyway this is getting hella old and you give bad advice consistently in lease threads so i figured you needed to be called out on it finally.

"The interest I need to pay are included in the payments." lol no shit sherlock, says it all right there.

Again, you have avoided my question for the third time. Is it really that hard to answer? Or maybe you just don't have an answer?

I am not paranoid about getting extra bs fees added on, the worst is to call off the deal and go somewhere else. I told you that you can save a lot of hassle by not negotiating the BS sell price.

Now you are saying I blindly signed my contract? lmao, do you just like to make up stuffs? I told you my deals so many times already. What is wrong with it?

Please stop being a hater that I am getting crazy good deals using my method. I am sure one day you will learn

Enjoy finding your new bmw.

[Prissy]

Here's the question again: "Looking at my quote, does knowing final sell price makes a difference?"

MSRP $600XX

0 money down
$555 a month, tax included (NY sales tax)
39 month lease
10k per year

[Turboforthewin]

Did you put your taxes and fees down? Just so you know, in order to get to that payment, the selling price of your vehicle was reduced greatly, hence the low payment.

When negotiating, going straight to the payment is easier, but to get to that payment, the numbers have to be adjusted on the selling price (and trade in value, if there is any.)

[Prissy]

Originally Posted by Turboforthewin

Did you put your taxes and fees down? Just so you know, in order to get to that payment, the selling price of your vehicle was reduced greatly, hence the low payment.

When negotiating, going straight to the payment is easier, but to get to that payment, the numbers have to be adjusted on the selling price (and trade in value, if there is any.)

All taxes were added to my monthly payment, and I pay all thee fees plus first month payment at delivery (about $1500 drive out). And you're right my sell price were greatly reduced, that's how I get this low payments with $0 down.

Glad that you are bringing up the "trade in" question which is very important (and I forgot to mention in my earlier posts), no there were no trade in involved.

I would suggest you to find a car leasing company that has good connect with the bmw dealership. I am sure they will be able to find a much better deal for you than you do it by yourself, they will do the negotiation for you. Good luck!!

[BMW335xiJB4]

If you guys are paying about $550-$600 for a 60k msrp, then a 50k msrp bmw should be around $400? RIGHT? maybe cheaper with some money down?

[Turboforthewin]

"MSRP $600XX

0 money down
$555 a month, tax included (NY sales tax)
39 month lease
10k per year"

Using this lease calculator

http://www.ridewithg.com/calculator/index.html

Your numbers come out to be

MSRP $60099 (assuming highest)
Selling price $53675
No fees rolled in (you paid $1500 in drive off's)
39 month term
62% residual
.00125 money factor (worst case scenario)
4% state sales tax (NY)
10k per year

Your RwG Deal rating is 98.19015438865765.

So ultimately you negotiated about 11% off MSRP, pretty good job!

Here is my deal:

MSRP $52960
Selling price $46000
$1900 in fees rolled in (truly $0 out of my pocket)
39 month term
62% residual
.00125 MF
8% CA sales tax
10k per year

$526 a month with tax and fees included. 0 out of my pocket.

My RwG deal rating is 104.03418564911225.

13% off MSRP

[Prissy]

Originally Posted by BMW335xiJB4

If you guys are paying about $550-$600 for a 60k msrp, then a 50k msrp bmw should be around $400? RIGHT? maybe cheaper with some money down?

If you are talking about the 2015 335i yes if the MSRP is 50k, you should be able to get it at $4XX, me myself don't like to put any down pay when I lease. The interest rate are really low already. But yes you will be paying less if you put something down.

Originally Posted by Turboforthewin

"MSRP $600XX

0 money down
$555 a month, tax included (NY sales tax)
39 month lease
10k per year"

Using this lease calculator

http://www.ridewithg.com/calculator/index.html

Your numbers come out to be

MSRP $60099 (assuming highest)
Selling price $53675
No fees rolled in (you paid $1500 in drive off's)
39 month term
62% residual
.00125 money factor (worst case scenario)
4% state sales tax (NY)
10k per year

Your RwG Deal rating is 98.19015438865765.

So ultimately you negotiated about 11% off MSRP, pretty good job!

Here is my deal:

MSRP $52960
Selling price $46000
$1900 in fees rolled in (truly $0 out of my pocket)
39 month term
62% residual
.00125 MF
8% CA sales tax
10k per year

$526 a month with tax and fees included. 0 out of my pocket.

My RwG deal rating is 104.03418564911225.

13% off MSRP

I have all my paper work at home and I am at work right now so I can't tell you my exact #s. NY sale tax should be higher than CA's.

Here's an good example of what puma1552 don't understand. from your post, you said you are getting 13% off MSRP vs my 11% off MSRP. Now let's compare our monthly payments, mine is higher about $25-$30, but my MSRP is $7139 higher than yours. Now you can see who's got a better deal. This is why I said selling price doesn't mean anything.

[Turboforthewin]

I was using a tax rate of 4%, what is the sales tax in your area of NY?

[Prissy]

Originally Posted by Turboforthewin

I was using a tax rate of 4%, what is the sales tax in your area of NY?

I believe it's 8.875%. Just a tiny bit higher than CA.

[jinnrice]

Shit this got out of hand.
Here is my 2 cents.
Get msrp
Money factor .00013
N selling price
Residual (I believe it's 63% right now)how many months you want it at
and bang you should be able to shop around. I live in Boston and and to get the car from PA to get my deal. dealers in boston was about 20 bucks higher for a lesser build and drive off was 1905.
But hey if just msrp and monthly works for you. Then best of luck. I just have to agree with puma. I like all my ducks in a row before I make a decision. Especially a car that will be loved like everyone in this forum.

[Prissy]

Originally Posted by jinnrice

Shit this got out of hand.
Here is my 2 cents.
Get msrp
Money factor .00013
N selling price
Residual (I believe it's 63% right now)how many months you want it at
and bang you should be able to shop around. I live in Boston and and to get the car from PA to get my deal. dealers in boston was about 20 bucks higher for a lesser build and drive off was 1905.
But hey if just msrp and monthly works for you. Then best of luck. I just have to agree with puma. I like all my ducks in a row before I make a decision. Especially a car that will be loved like everyone in this forum.

Of course I will still have all the #s mentioned above, just that it's much easier to shop and negotiate when you call up a dealer and say: "Hey, here's my build with the MSRP, can you beat this $XXX monthly payment with XX months and XXXXX miles?"

[Turboforthewin]

Heres your deal reworked with 8.875% tax.

MSRP 60099
Selling price 52760
0 fees rolled
39 months
62% residual
.00125 MF
8.875% sales tax
10k per year

12.211517662523505% off MSRP
$555 a month with tax included

RwG rating of 101.98777345389712

[Enilder]

Originally Posted by Prissy

Of course I will still have all the #s mentioned above, just that it's much easier to shop and negotiate when you call up a dealer and say: "Hey, here's my build with the MSRP, can you beat this $XXX monthly payment with XX months and XXXXX miles?"

Exactly.