[italia4]

Originally Posted by MMMAZi

Just go check the Lease offers for 07 328, xi and 335 they are all down by 30$.
when I placed my order on September, 335 basic lease was 529$ (if i remember it right) but now it is 499$. So yeah the lease payments should go down at least 30 $.

I'm guessing you mean the Lease offers on the BMWUSA website. They haven't listed the E90's. the E90's have been higher than the E92's. if they are all down than the MF on the E90 328xi is probably about .0024? it was
.0028 last month. with MSD's that's a MF=.002 hmmmm, leasing is sounding a bit better. still my dealer wanted me to bend over with a .0032 in October. :mad:

would love to see official BMWFS November lease sheet. anyone?

[BMW335TT]

im pretty sure they are talking about e92's!

[italia4]

Originally Posted by BMW335TT

im pretty sure they are talking about e92's!

should've gotten an E92 than I wouldn't be having this problem!

[BMW335TT]

wooohoooooooooooooo

[Shoushi Malouche]

All the dealers in Canada I have talked to say that rates have remained the same for November for 07' 3 series?

Is this just a US thing?

[italia4]

Originally Posted by jbutcher

All the dealers in Canada I have talked to say that rates have remained the same for November for 07' 3 series?

Is this just a US thing?

maybe that's just a line, if BMWFS lowers their rates and the dealers keep the same rates that's just more profit for them. I smell a conspiracy. we need the official base BMWFS lease rates. I can't get a straight answer from my dealer.

[e92law]

Ordered the car on the 31st. YES!!! Called dealer today and he confirmed that the Nov. MF is now .00175. How many weeks are we looking at? He thinks mid Jan.

[BMW335TT]

probably end of dec

[slubu]

My dealer just confirmed it too:

"The residual is same on 328Cp, and 335Cp (61%) for 15,000 miles, but the money factor is lower (25 point)."

[findtom]

Originally Posted by italia4

I don't get it why many of you are "down" on putting cash down on the lease over and above the MSD's. You are just prepaying the lease, not throwing your money away??? Of course you "don't get your money back" but you don't get the payments back that you make every month either, jees. Cash down on the lease also lowers the interest you are paying on the lease! Now the arguement can be made that the cash could be put to better use (i.e. invested), but for those who aren't great investors, you'd have to make like a 10% return on your cash to make it worthwhile. Also for those of you who love MSD's, you are also tying up your cash for 2-3 years!!! I just don't get it, I've had this conversation with my friend who used to be a finance manager at a dealership and when I presented the numbers and 3 year forecasts it shocked him that money down was a real benefit.

Can't everyone see that this is a line the dealers use and infuse in the industry that is a load of crap. The more money you put down THE LESS THE DEALERS/ BMWF make in profit (interest).

Please, PLEASE, somebody prove me wrong. I've run about 30 forecast scenarios, and just don't get the "no money down" hype. clank (that was me getting off my soapbox).

Word.

I can see it being stupid if the lease rate is really low, but otherwise it saves a good chunk of the interest on the ammortized portion of the loan.

Anyway I must be really stupid because I paid the whole thing when I picked up the car. Total cost of the lease was reduced by 4 figures and the interest rate on the residual was lower too.

[italia4]

Originally Posted by findtom

Word.

I can see it being stupid if the lease rate is really low, but otherwise it saves a good chunk of the interest on the ammortized portion of the loan.

Anyway I must be really stupid because I paid the whole thing when I picked up the car. Total cost of the lease was reduced by 4 figures and the interest rate on the residual was lower too.

[Gripster]

Originally Posted by findtom

Word.

I can see it being stupid if the lease rate is really low, but otherwise it saves a good chunk of the interest on the ammortized portion of the loan.

Anyway I must be really stupid because I paid the whole thing when I picked up the car. Total cost of the lease was reduced by 4 figures and the interest rate on the residual was lower too.

I'm not for leasing in general, but this makes sense except for the possibility of the car being stolen or wrecked. I would assume that insurance wouldn't cover you. I may be wrong.

[findtom]

Originally Posted by Gripster

I'm not for leasing in general, but this makes sense except for the possibility of the car being stolen or wrecked. I would assume that insurance wouldn't cover you. I may be wrong.

I know someone that did a claim recently on a leased car and can assure you the myth that you lose any cash down is just that. They go by fair market value of the car vs. a payoff amount negotiated with BMW finance, which in my case would be well above the balance owing on my lease (simply the residual value).

Anyway, I have new car replacement insurance which means that in the event of a total loss they replace the car with a new one on the same contract.

[findtom]

BTW... given the release of the 328/335 less than a year after I got my car I'm pretty glad I leased instead of purchasing.