Kentucky BMW Car Dealers

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KY BMW Car Consumer Discussions

Re: Z4 Lease [dk90212]: by kyfdx on Mon May 05 19:03:52 PDT 2008; Try it this way.. $34,615 CAP cost (no reduction) $450 security deposit .0022 MF (lowered by security deposit) Due at signing = $1161 (no cap red, no tax on cap red, add sec.dep) Payment = $412.12/mo.+tax = $446.12/mo. You pay 68.29/mo. X 24 mo. = $1641 more over life of lease. But, you pay $1339 less upfront and get $450 security deposit back at end of lease, for a total of $1789 less.. NET SAVINGS = $148 If you can knock the selling price down any, you'll save about $4.75/mo., for every $100 less you pay for the car.. Good luck!

Re: Z4 Lease [dk90212]: by kyfdx on Mon May 05 18:52:22 PDT 2008; So my questions are: 1) Is this lease correct? a) Is the Bank Fee supposed to be added before the Cap Cost? The bank fee is added on to the selling price to get the gross CAP cost.. That's normal b) If I'm paying $1,648.79 in Cap Cost Reduction, shouldn't the Cap Cost be $32966.21? The actual net CAP cost is $32,966.21... They just have a convoluted way of showing the figures.. c) Is Cap Cost Reduction a taxable item up front? Anything paid upfront, that would be taxable if rolled into the lease is taxed. Otherwise, people would make $5000 CAP cost reductions to avoid taxes. 2) Can I do better? There are some good advertised deals in the LA Times, but those are for 10000 miles per year. On a $40K car, 10K leases are only $17/mo. less than 12K leases. Can you do better? Not sure what the incentives are on a Z4.. If you are happy with the selling price, then there isn't a lot more room 3) Is the Bank Fee really $825? I've been quoted lower from other dealers. As nyccarguy noted, the base fee is $625.. the dealer is marking it up by $200, which is the maximum allowed. That adds about $9/mo. to your payment. 4) Is the Money Factor .00235? I've seen places where it is .0021 but I'm not sure if that is for "repeat customers" The base MF is .0022 for returning customers or those making a security deposit. The bump for no security deposit is .00015, making the total .00235.. So, you are getting the base rate, but would be better off making a $400 security deposit and getting .0022 5) Should I be concerned that it took so many attempts to get the dealer to send these numbers? I kept asking, and they said "just come in and we'll show you". Are these Lease Worksheets so sacred to them?? Most dealers don't like the buyer to get into all the minutiae, because then they start obsessing over $200 upcharges, instead of focusing on the bottom line. So.. be concerned a little, but realize that some dealers consider their inside info "sacred". The lease is structured pretty well.. With some tweaks (not making a CAP reduction, making a security deposit, etc.), it could be very good. What you really need to know? What are the current incentives on the Z4, and what is the invoice price of the unit you are looking at? If your selling price = (Invoice - dealer incentive + $1000), then you have a darn good lease deal with a little adjusting, even with the bumped up bank fee. Hope that helps.. kyfdx Host-Prices Paid Forums

Re: Z4 coupe [whittonm]: by kyfdx on Sun May 04 18:54:26 PDT 2008; Is it new? MSRP?

Re: Lease numbers [epaiuk]: by kyfdx on Fri May 02 03:55:58 PDT 2008; Look here: BMW 3-Series Lease Questions

Re: Lease advice about Doc fees [jtbaer]: by kyfdx on Thu May 01 04:31:17 PDT 2008; jtbaer.. $500 over invoice is a nothing deal for a BMW dealer. The fact that no one will match that, even with a $499 doc fee, tells me that you are getting a good deal. Just consider the doc fee part of the selling price. $1000 over invoice is a very good deal. Next, you have to make sure you get the buy rate on the money factor. Good luck! kyfdx

Re: Warranty and Loaner Cars [gjonesmi]: by kyfdx on Sat Apr 26 08:17:28 PDT 2008; Any BMW dealer will be glad to do service and warranty work on your car.. Loaners will vary by dealer.. Given enough notice, my local dealer will provide a BMW loaner to any service customer, regardless of where they purchased their car.. Some dealers only give loaners to their own sales customers. BMW NA has no policy or requirement for loaners. It is solely at each individual dealer's discretion. regards, kyfdx

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