05-26-2015, 01:17 PM | #243 |
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Whttiger25 very nice analysis. I think the conclusion you have reached matches what most believe. If you plan to keep the car 3 years or less, then leasing is better. 4 years is a push and 5 means you should buy. As always, getting a new car every 3 years is more expensive than keeping cars for 5+ years (as a general rule).
Again this isn't a lease vs buy thread, just an informative look at how BMW leasing works and how to get the best lease deal possible.
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05-26-2015, 01:20 PM | #244 | |
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In the end the conclusion wasn't really pro lease or pro buying and as you said supports conventional wisdom.
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05-26-2015, 01:56 PM | #245 | |
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05-26-2015, 01:57 PM | #246 |
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Sure...and I didn't mean to put the hair pulling emoticon there, accidental click!
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05-26-2015, 02:01 PM | #247 | |
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I ignored it because it didn't fit with the tone of the rest of your post. I took it out of my quoted post so others aren't confused.
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05-26-2015, 02:49 PM | #248 |
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Really good post Whittiger25! The only things that really can't be calculated but we all know exists are operating/maintenance costs of these cars in the long term. It would be something to consider when purchasing/owning the vehicle longer than the 3 years when compared to leasing. Also there is the hassel of reselling the vehicle that you can't really put a price on either. Just some things to consider when owning vs. leasing.
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05-26-2015, 02:53 PM | #249 | |
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FYI I moved this to a separate thread because this thread shoudl be more about leasing than leasing vs buying. http://f80.bimmerpost.com/forums/sho....php?t=1131415
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05-28-2015, 01:57 PM | #250 |
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M4 European Delivery
So I made a build for an M4 on the website and MSRP came out to $66,650.
So this is what I calculated... ED MSRP= $61,984.50 ED Invoice= $57,645.50 Sale Price= $58,645.50 Money Factor= 0.0016 Residual= 60%=$39,990 Lease term= 36 months Down payment= $0 Other fees= $2000? Tax NY= 8.63% Monthly depreciation fee= 518.21 Monthly Lease fee=157.816 Tax= 58.34 Monthly lease Payment= 734.37 Drive off 2000+734.37=2734.37 Sale price is hypothetical... $1k over ED Invoice? If that's reasonable do all other numbers seem correct? Last edited by JCastano09; 05-28-2015 at 07:07 PM.. |
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05-28-2015, 02:16 PM | #251 | |
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Also you'll get more hits and views if you post it in this thread. http://f80.bimmerpost.com/forums/sho...d.php?t=934675
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05-28-2015, 02:19 PM | #252 |
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The MSRP given with the options I want is $66,650. That's the number I used. Bone stock MSRP is $64,200. Also the residual and mf value are assumed since I don't know what the actual numbers are for this month. Thanks
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05-28-2015, 02:57 PM | #253 | |
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Here are May residuals 36 month mf .00129 ED is 0.00159 M3 15k 62% 12k 64% 10k 65% M4 15k 59% 12k 61% 10k 62%
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05-28-2015, 03:00 PM | #254 |
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I'm getting $752/month. That's assuming 59% residual for a 15k/year lease.
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05-28-2015, 03:14 PM | #255 | |
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05-28-2015, 04:11 PM | #256 |
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Not sure where you messed up, but I used a lease calculator app. There is also a formula at the bottom of my post that you can just plug into a calculator.
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05-28-2015, 07:37 PM | #257 | |
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05-28-2015, 08:17 PM | #258 | |
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The best way to calculate a lease payment is to use the leasematic app (only available on Apple). It was created by a forum member and he has been working on an android version, but none right now.
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05-28-2015, 08:31 PM | #260 |
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That is a good idea.
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05-29-2015, 06:56 PM | #261 |
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Does anyone know the details if you wanted to do a one-pay lease (pay all payments up front)? Is there a set MF if you do one-pay or is there a MF discount? If the latter can that be combined with MSDs to lower the rate further?
I need some big write-offs for this year and one-pay is a good option for that I think. |
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05-29-2015, 10:32 PM | #262 | |
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05-30-2015, 07:54 PM | #263 |
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Hey guys so what are the "standard" fee's that I am actually supposed to pay and what is bogus?
I know the Acquisition Fee and Doc Fee are common ones. Acquisition fees are at $795 and Doc fee I think people said can be 0 but max go around $80? I know they vary by state, I am in California so I am seeing stuff on a mock build from a couple months ago with these things on it that are questionable: Other - $29 Tag/Registration $506 (estimate) - Anyway for me to calculate this before? Government Fees - $485 - The heck is this...isn't it just registration that is above? Flatt Add/County Fee - $10 Electronic Filing - $29 Smog Abatement Fee - $20 I know some of the rest or nickel/dime but still want to know what I can and cannot be charged for. Thanks! |
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05-30-2015, 08:21 PM | #264 | |
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