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      12-20-2019, 08:12 PM   #23
Tuscan
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Why would your debt look 36k? You still owe the bank full amount until you return the car.
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      12-20-2019, 08:29 PM   #24
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Quote:
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Why would your debt look 36k? You still owe the bank full amount until you return the car.
When you lease, BMW owns the car. You are renting and your obligation to them is just the total cost of the lease. Your credit report will only reflect the total cost of the lease.
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      12-20-2019, 09:10 PM   #25
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Quote:
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Quote:
Originally Posted by Tuscan View Post
Why would your debt look 36k? You still owe the bank full amount until you return the car.
When you lease, BMW owns the car. You are renting and your obligation to them is just the total cost of the lease. Your credit report will only reflect the total cost of the lease.
That's correct. I lease because I need that for my credit report when buying houses.
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      01-12-2020, 12:59 AM   #26
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My question doesn't apply to the thread at hand. But, I will ask here and not make a new thread to keep things simple. Couple questions.. Individual paint cost ~$5200? And when placing an order, is the required deposit still $500?

Thanks!
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      01-12-2020, 11:36 PM   #27
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Originally Posted by 818M3 View Post
My question doesn't apply to the thread at hand. But, I will ask here and not make a new thread to keep things simple. Couple questions.. Individual paint cost ~$5200? And when placing an order, is the required deposit still $500?

Thanks!
Can't speak to individual paint cost. But deposit is determined by dealer. Some will ask $500, I have been asked to pay up to $2000. Up to $1k is reasonable IMO, unless you have a crazy build that the dealer knows they won't sell to anybody else.
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      01-13-2020, 07:14 AM   #28
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Quote:
Originally Posted by 818M3 View Post
My question doesn't apply to the thread at hand. But, I will ask here and not make a new thread to keep things simple. Couple questions.. Individual paint cost ~$5200? And when placing an order, is the required deposit still $500?

Thanks!
In 2013 when I placed the order for my individual montecarlo blue E92 M3 I paid 5k for the paint
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      01-13-2020, 06:28 PM   #29
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Leasing may give you a lower payment for a few years, but your residual amount is most likely too to be way over market value of the car. BMW will no longer negotiate lease buyouts with the original leasee.

So, from a financial point of view, leasing to buy our later doesn't make the most sense.
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      01-16-2020, 02:38 PM   #30
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Quote:
Originally Posted by GNALUZU View Post
Leasing may give you a lower payment for a few years, but your residual amount is most likely too to be way over market value of the car. BMW will no longer negotiate lease buyouts with the original leasee.

So, from a financial point of view, leasing to buy our later doesn't make the most sense.
It would only make sense if you really like the car
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      01-30-2020, 08:46 PM   #31
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Quote:
Originally Posted by GNALUZU View Post
Leasing may give you a lower payment for a few years, but your residual amount is most likely too to be way over market value of the car. BMW will no longer negotiate lease buyouts with the original leasee.

So, from a financial point of view, leasing to buy our later doesn't make the most sense.
Why not? If you buy out a lease, you're ending up paying the same amount of money you would have if you had purchased the car from the beginning.
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      01-30-2020, 08:50 PM   #32
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Quote:
Originally Posted by gs1403 View Post
Quote:
Originally Posted by GNALUZU View Post
Leasing may give you a lower payment for a few years, but your residual amount is most likely too to be way over market value of the car. BMW will no longer negotiate lease buyouts with the original leasee.

So, from a financial point of view, leasing to buy our later doesn't make the most sense.
Why not? If you buy out a lease, you're ending up paying the same amount of money you would have if you had purchased the car from the beginning.
Exactly!
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      01-31-2020, 06:31 AM   #33
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Quote:
Originally Posted by gs1403 View Post
Why not? If you buy out a lease, you're ending up paying the same amount of money you would have if you had purchased the car from the beginning.
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Originally Posted by Andrae26 View Post
Exactly!
Explain how it’s the same when you’re paying for acquisition fee, higher interest rate, and usually for a longer term.
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      01-31-2020, 10:15 AM   #34
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Quote:
Originally Posted by alex2364 View Post
Quote:
Originally Posted by gs1403 View Post
Why not? If you buy out a lease, you're ending up paying the same amount of money you would have if you had purchased the car from the beginning.
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Originally Posted by Andrae26 View Post
Exactly!
Explain how it’s the same when you’re paying for acquisition fee, higher interest rate, and usually for a longer term.
Example:
100k F80 M3 CS
BMW discounts to 80k

You lease it at 60% residual. Some would like that means 80*60% is what's due when the lease is up, but nooooo, it's 100*60%

If you were to purchase, you would have financed a total of 80k. So, moral of the story, if you get a good discount you're better off financing the car[/QUOTE]

Not really true.

Let's say you lease a $100k CS at 60% residual. RV is $60,000. But car is discounted 20%. That means you're only paying $20,000 over the lease ($80,000-$60,000RV) plus interest and fees, which I'll disregard for simplicity's sake. If you choose to buy this car out after the lease, then you'll pay the RV, $60k. You've paid $80k ($20k lease plus $60k RV) in total for this car.

Let's say you're buying this same car from the start at the same 20% discount. Then you're simply buying it for the same $80k. This guy explains it perfectly so no need for me to.
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      01-31-2020, 11:43 AM   #35
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Quote:
Originally Posted by Andrae26 View Post
Example:
100k F80 M3 CS
BMW discounts to 80k

You lease it at 60% residual. Some would like that means 80*60% is what's due when the lease is up, but nooooo, it's 100*60%

If you were to purchase, you would have financed a total of 80k. So, moral of the story, if you get a good discount you're better off financing the car
Not really true.

Let's say you lease a $100k CS at 60% residual. RV is $60,000. But car is discounted 20%. That means you're only paying $20,000 over the lease ($80,000-$60,000RV) plus interest and fees, which I'll disregard for simplicity's sake. If you choose to buy this car out after the lease, then you'll pay the RV, $60k. You've paid $80k ($20k lease plus $60k RV) in total for this car.

Let's say you're buying this same car from the start at the same 20% discount. Then you're simply buying it for the same $80k. This guy explains it perfectly so no need for me to.[/QUOTE]

Your example is a little misleading. The original post claimed that if you were to buy out a lease you end up paying the same amount of money you have it you purchased the car from the beginning. This of course is not true assuming you are talking overall cost and not simply the agreed upon sales price which of course is the same in any scenario (as you illustrated in your example). In the example you provided, yes the cost of the vehicle itself is $80k in either method lease vs purchase, but thats much too simplistic to look at it that way and you would be fooling yourself if you thought the overall cost is the same merely because the sales price is the same.

As stated by another poster, the acquisition cost and interest component is significantly higher in a lease vs purchase/finance, thus making the lease the more expensive proposition if you were to buy it out vs purchasing from the start.
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      02-22-2020, 11:51 PM   #36
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I'm leasing with plans to purchase at the end. I did the math when I first leased the car in terms of my total out of pocket costs of leasing + purchasing at end vs purchasing outright and its true that leasing and then purchasing does cost more. I decided to do that anyways because my monthly payments for leasing it first are less, but I do have a slightly different financial scenario where I knew with certainty that my income would be fairly fixed for the next 2-3 years but would triple after that.
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      02-23-2020, 12:50 AM   #37
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Hi guys, hope everyone is doing well! I have been away from the forums for quite sometime now. My previous cars (F82/F80) I sold a while back. I have the urge to jump back into a F82 and do a special order color. Here are my questions..Would I be able to do a 36 month lease on a special order car? Secondly, would I be able to do a lease to purchase at the end? I am assuming the lease is just like any other lease from a car that's on the lot. Nothing changes if it's special ordered. Correct me if I am wrong. If so, I am thinking about putting a large down payment because later I will be buying. What do you think? Thank you.
Yes, you can special order any color you desire, once you get the car you'll see the the residual in tour online account dashboard.
This was posted recently in here.
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