[Coldintake]

Originally Posted by Design1314

do you know how much I will be losing? $1000? $2000? $5000+?

It's impossible for anyone on this forum to calculate that. There are a TON of varibles you need to solve.

1) Lease term/monthly payments/residual
2) Finance rate 3 years from now(which you can't really predict, but you can use today's #'s for a ROUGH estimate)/payments/term/and tax(state dependent)

You are better off financing if you want to buy it for sure.

Whatever you decide, DO NOT lease or buy the deal in your original post.

[Coldintake]

Originally Posted by vapordoc

I know there is some thread on this board with contains current MF and residuals for leases (at least I've heard of it being referenced in another thread). I can't find it on a search. Does anybody know where to find it????

It's on bimmerfest.com go to the ask dealer sub-section.

[Design1314]

Originally Posted by vapordoc

I know there is some thread on this board with contains current MF and residuals for leases (at least I've heard of it being referenced in another thread). I can't find it on a search. Does anybody know where to find it????

Ya, I've read that thread too...would like some info on that too!

[billspreston]

Originally Posted by Coldintake

It's on bimmerfest.com go to the ask dealer sub-section.

Taken from said thread:

2007 BMW 328Ci Coupe
24 Month – Residual 68% of MSRP – .00140 Base Rate
36 Month – Residual 58% of MSRP – .00140 Base Rate
48 Month – Residual 42% of MSRP – .00320 Base Rate
60 Month – Residual 34% of MSRP – .00320 Base Rate

2007 BMW 328xi Coupe
24 Month – Residual 68% of MSRP – .00190 Base Rate
36 Month – Residual 58% of MSRP – .00190 Base Rate
48 Month – Residual 42% of MSRP – .00320 Base Rate
60 Month – Residual 34% of MSRP – .00320 Base Rate

2007 BMW 328i Sedan
24 Month – Residual 71% of MSRP – .00140 Base Rate
36 Month – Residual 61% of MSRP – .00140 Base Rate
48 Month – Residual 42% of MSRP – .00320 Base Rate
60 Month – Residual 34% of MSRP – .00320 Base Rate

2007 BMW 328xi Sedan
24 Month – Residual 71% of MSRP – .00190 Base Rate
36 Month – Residual 61% of MSRP – .00190 Base Rate
48 Month – Residual 42% of MSRP – .00320 Base Rate
60 Month – Residual 34% of MSRP – .00320 Base Rate

2007 BMW 328i Convertible
24 Month – Residual 71% of MSRP – .00320 Base Rate
36 Month – Residual 60% of MSRP – .00320 Base Rate
48 Month – Residual 46% of MSRP – .00320 Base Rate
60 Month – Residual 38% of MSRP – .00320 Base Rate

2007 BMW 335i Coupe
24 Month – Residual 68% of MSRP – .00185 Base Rate
36 Month – Residual 58% of MSRP – .00185 Base Rate
48 Month – Residual 42% of MSRP – .00320 Base Rate
60 Month – Residual 34% of MSRP – .00320 Base Rate

2007 BMW 335i Sedan
24 Month – Residual 71% of MSRP – .00175 Base Rate
36 Month – Residual 61% of MSRP – .00175 Base Rate
48 Month – Residual 42% of MSRP – .00320 Base Rate
60 Month – Residual 34% of MSRP – .00320 Base Rate

2007 BMW 335xi Sedan
24 Month – Residual 71% of MSRP – .00275 Base Rate
36 Month – Residual 61% of MSRP – .00275 Base Rate
48 Month – Residual 43% of MSRP – .00320 Base Rate
60 Month – Residual 35% of MSRP – .00320 Base Rate

2007 BMW 335i Convertible
24 Month – Residual 70% of MSRP – .00320 Base Rate
36 Month – Residual 59% of MSRP – .00320 Base Rate
48 Month – Residual 47% of MSRP – .00320 Base Rate
60 Month – Residual 38% of MSRP – .00320 Base Rate

[vapordoc]

Originally Posted by Coldintake

It's on bimmerfest.com go to the ask dealer sub-section.

Thanks for the info. And thanks for the above details..

[vapordoc]

Originally Posted by billspreston

Taken from said thread:

BTW, Great looking car billspreston. :rocks:

[achien]

Originally Posted by Design1314

do you know how much I will be losing? $1000? $2000? $5000+?

Why don't we just keep this simple?!?

Sorry to be blunt, if you have to lease or finance, that means you are borrowing money from the future that you do not have now.

Instead of calculating how much you may or may not be losing, or the % of interest rate in leasing or finance, just wait until you save enough to pay 100% of the car.

This way, you have one less payment to worry about (besides insurance, gas, and routine wear & tear maintenance).

[Coldintake]

Originally Posted by billspreston

Taken from said thread:

Btw, also note the disclaimer..


Residuals posted are for 15K miles/year. Add 2% to Residual for 12k mi/yr and 3% for 10k mi/yr on all terms

[JLL325ci]

Originally Posted by Design1314

Hi if i lease a 328i coupe for $600 a month /36 months/10000 miles. $2000 walk out. My question is if I can change my lease to finance at the end, and will I lose $? how much? Thanks

I just got a base 328i coupe w/ auto a month ago for $389 month/36 months/ 10k year/ $3289 walk out.

[Design1314]

Thanks guys The answers really helped me !

[flush01]

Originally Posted by achien

Why don't we just keep this simple?!?

Sorry to be blunt, if you have to lease or finance, that means you are borrowing money from the future that you do not have now.

Instead of calculating how much you may or may not be losing, or the % of interest rate in leasing or finance, just wait until you save enough to pay 100% of the car.

This way, you have one less payment to worry about (besides insurance, gas, and routine wear & tear maintenance).

worst post ever... know what you talking about before you post

[vapordoc]

Originally Posted by flush01

worst post ever... know what you talking about before you post

+1

[billspreston]

Originally Posted by vapordoc

BTW, Great looking car billspreston. :rocks:

Thanks, although its only a Photoshop of what my car should look like a couple days after the damn thing arrives

[billspreston]

Originally Posted by Coldintake

Btw, also note the disclaimer..


Residuals posted are for 15K miles/year. Add 2% to Residual for 12k mi/yr and 3% for 10k mi/yr on all terms

Good catch - important info there, sorry I missed that. Here I was thinking I got a better deal on residual value than I actually had haha.

[karliejai]

Originally Posted by Design1314

do you know how much I will be losing? $1000? $2000? $5000+?

depends on how good you are in bargaining =P

but yeah i would say u prolly end up paying at least more than 2k (maybe even more) with lease than buying the car out =P

[stooken]

Originally Posted by Design1314

Hi if i lease a 328i coupe for $600 a month /36 months/10000 miles. $2000 walk out. My question is if I can change my lease to finance at the end, and will I lose $? how much? Thanks

That doesn't sound bad depending on the options you got.

My options are listed below and this is what I got:

MSRP: $43,600
Selling price: $41,085 - $360 over invoice
MF: 0.00175 - I couldn't get it down anymore
Residual: 58%
Drive off: ~$1000
Mileage: 15k
Payment: ~$627 including 8.25% tax

I've had other people look at my deal and it sounds pretty solid. Lowering the MF would've been fantastic but they wouldnt budge anymore (haggled with 4 different CA's @ 4 different dealerships). So I don't understand how someone can get an almost fully loaded 335i (unless it's a sedan) for less than $600 a month (unless they did ED or has a crazy hook up). Some people like to "show off" the price they got it for and payment but fail to mention their total drive off (cap cost reduction), how many security deposits they put down (lowers the MF), if it's a coupe/sedan and if they did ED or not.

[DanMardik]

I'm paying $598 a month with 0 down on my 335

[stooken]

Originally Posted by DanMardik

I'm paying $598 a month with 0 down on my 335

Yep and to avoid any confusion, it's a sedan. Just wanted to point that out in case people didn't see it in your sig.

[achien]

Originally Posted by vapordoc

+1

Originally Posted by flush01

worst post ever... know what you talking about before you post

I knew I will "touch" a few nerves on this forum.

No hard feelings, fellas, just expressing my opinion on financial sense.:rocks:

[Design1314]

Originally Posted by achien

I knew I will "touch" a few nerves on this forum.

No hard feelings, fellas, just expressing my opinion on financial sense.:rocks:

I do realize that the best way is to pay all in cash...but I can't . Have no choice but paying little by little + interest. By the way heres a good link I found considered to be very useful. http://www.leaseguide.com/lease08.htm

[Coldintake]

Originally Posted by achien

I knew I will "touch" a few nerves on this forum.

No hard feelings, fellas, just expressing my opinion on financial sense.:rocks:

I would be willing to say less than 1% of car buyers pay in Cash.

Regardless, if you know what you're doing, paying it out right is a dumb idea because you are losing out on possible investments/tax breaks.

[stooken]

Originally Posted by Coldintake

I would be willing to say less than 1% of car buyers pay in Cash.

Regardless, if you know what you're doing, paying it out right is a dumb idea because you are losing out on possible investments/tax breaks.

Unless he's filthy rich and dumping $50k cash on a car is just chump change