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      10-08-2020, 08:47 AM   #1
GMCHEM83
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Post Lease payment on an $80k M4?

Anyone (with leasing experience) have an idea what an $80K M4 would come out to in money down + monthly ?

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      10-08-2020, 08:52 AM   #2
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Quote:
Originally Posted by GMCHEM83 View Post
Anyone (with leasing experience) have an idea what an $80K M4 would come out to in money down + monthly ?

GM
Depends on a few things but my $79k F80 back in 2015 was $829 per month with just taxes and fees up front. MF and Residual were really strong though, too. I think the residual at that time was 65% and MF was silly low (without having to go MSDs). It wasn't the biggest discount off MSRP but I was happy with it.

With today's numbers, for 3yr/36k mi leases with zero cap cost reduction you're probably looking at anywhere from 800-1000 per month depending on options and deal (% off MSRP and incentives from BMW to move the cars).
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      10-08-2020, 09:13 AM   #3
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Quote:
Originally Posted by GMCHEM83 View Post
Anyone (with leasing experience) have an idea what an $80K M4 would come out to in money down + monthly ?

GM
$1,150 range depending on the money factor.
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      10-08-2020, 09:44 AM   #4
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Expect $36,000 to $40,000 in lease payments for a $80K build for first year leases.

Think about that number and consider maybe purchasing it.
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      10-08-2020, 10:07 AM   #5
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Originally Posted by Penguino View Post
Expect $36,000 to $40,000 in lease payments for a $80K build for first year leases.

Think about that number and consider maybe purchasing it.
Hmmm practically the same thing. I could purchase it over 6 years for the same as leasing 3 yrs with those numbers....the only difference would be a little more for the interest. I would need to check with my dealer because they offer a discount on new cars for M-Gruppe members, which I am currently a part of, and see if those terms apply to either lease or purchase and see where the numbers are most favorable.

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      10-08-2020, 11:20 AM   #6
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I agree with purchasing also. It all depends on incentives and discounts. My two scenarios i am considering now are whether to go used and get a M5 or go with the M3. Also I don't know if I should do Xdrive or RWD.
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      10-08-2020, 12:24 PM   #7
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Originally Posted by Wyndi335I View Post
I agree with purchasing also. It all depends on incentives and discounts. My two scenarios i am considering now are whether to go used and get a M5 or go with the M3. Also I don't know if I should do Xdrive or RWD.
The M3 holds value so well I purchased a 2011 M3 via ED with $0 down and sold it 2 years later for $5K over loan balance. Leasing an M3 might not make too much sense if you are planning to keep it 3-4 years.
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      10-08-2020, 02:15 PM   #8
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As others have mentioned above, it's going to depend on a few things at time of lease signing:

- Regional discounts (Can you get 10% off msrp?)
- Availability of Incentives (Loyalty, lease cash, etc)
- Money Factor
- Residual Value

If you can get a healthy 10% discount, along with some good incentives, a low buy rate money factor and a good residual, you can easily get a payment in the $800-$900 range.

On the flip side, if discounts are hard to come by and there aren't any incentives being offered, plus low residuals, you can expect that payment to balloon up to $1k+.
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      10-08-2020, 02:25 PM   #9
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Do dealers prefer to sell or lease the car? My point being; what would give the best chance of discounts etc?
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      10-08-2020, 02:52 PM   #10
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Quote:
Originally Posted by wtwo3 View Post
As others have mentioned above, it's going to depend on a few things at time of lease signing:

- Regional discounts (Can you get 10% off msrp?)
- Availability of Incentives (Loyalty, lease cash, etc)
- Money Factor
- Residual Value

If you can get a healthy 10% discount, along with some good incentives, a low buy rate money factor and a good residual, you can easily get a payment in the $800-$900 range.

On the flip side, if discounts are hard to come by and there aren't any incentives being offered, plus low residuals, you can expect that payment to balloon up to $1k+.
I think a safe rule of thumb for anyone budgeting AND is also planning to wait for pricing to settle. (If you are in the "gotta have it" bucket then sky is the limit)

Get out your handy lease calculator and know your state specific rules (tax up front or per payment, doc fee limits, etc) and don't forget to add the acquisition fee!
Use current 3 or 4 series residuals
Use current base MF
Assume $0 in additional incentives
Assume 5-7% off msrp (slightly above invoice)
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      10-08-2020, 03:04 PM   #11
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800-1000
hard to guess so much we wont know till we know. programming I would imagine will not be great and dealers allocations will also strongly determine discounts off MSRP. people thinking you are going to get the car at huge discounts at the beginning I think need to re think that. I dont see that happening on a M car. Never has been that way before at new cycle launches dont see that happening now.
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      10-08-2020, 03:05 PM   #12
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Quote:
Originally Posted by Jcali86 View Post
Do dealers prefer to sell or lease the car? My point being; what would give the best chance of discounts etc?
IMO best way to get discount is to buy later after the hype dies down.
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      10-08-2020, 03:14 PM   #13
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Quote:
Originally Posted by GOLFFRR View Post
Quote:
Originally Posted by Jcali86 View Post
Do dealers prefer to sell or lease the car? My point being; what would give the best chance of discounts etc?
IMO best way to get discount is to buy later after the hype dies down.
Correct me if I am wrong on point 1, dealer preference for buy or lease
-dealers don't care either way because the car is being bought and they are getting paid either way (maybe a little cherry on top if they can mark up interest rate or money factor)
- at times bmw FS wants to balance their portfolio one way or another but will do so in customer facing discounts vs back end incentives for dealers to push a customer one way or the other (this practice is illegal, right?)
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      10-08-2020, 04:20 PM   #14
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Quote:
Originally Posted by GOLFFRR View Post
800-1000
hard to guess so much we wont know till we know. programming I would imagine will not be great and dealers allocations will also strongly determine discounts off MSRP. people thinking you are going to get the car at huge discounts at the beginning I think need to re think that. I dont see that happening on a M car. Never has been that way before at new cycle launches dont see that happening now.
...agreed, and I don't need to "have it now" by any means. I'll give myself the time to see most of the colors and options in person and stay in touch with my guys at BMW to see when the best time is to get in. Maybe LCI ? Meanwhile i'll just save up for the day.

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      10-09-2020, 05:02 PM   #15
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Quote:
Originally Posted by GMCHEM83 View Post
...agreed, and I don't need to "have it now" by any means. I'll give myself the time to see most of the colors and options in person and stay in touch with my guys at BMW to see when the best time is to get in. Maybe LCI ? Meanwhile i'll just save up for the day.

GM
When the LCI rolls out you’ll ask yourself if you should wait for the next model. Electric!

If LCIs bother you, lease.
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      10-09-2020, 06:06 PM   #16
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Quote:
Originally Posted by OCfromOC View Post
Quote:
Originally Posted by GMCHEM83 View Post
...agreed, and I don't need to "have it now" by any means. I'll give myself the time to see most of the colors and options in person and stay in touch with my guys at BMW to see when the best time is to get in. Maybe LCI ? Meanwhile i'll just save up for the day.

GM
When the LCI rolls out you’ll ask yourself if you should wait for the next model. Electric!

If LCIs bother you, lease.
Lol what's up with frightening people with it being electric for the next gen. The next gen will have to hit hybrid before full electric. The 3/4 series is BMW's bread and butter. They will be testing electric versions of other models before going 100% electric on the next gen M3/4.

In terms of best value, it's better to buy the car towards the end of its life. Why? Because you have far more options (aka individual options) and at a decreased price. In addition, if the next generation is "electric", you just bought the last of something that will hold its value fairly well. Perfect win win!
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      10-09-2020, 07:01 PM   #17
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Quote:
Originally Posted by wtwo3 View Post
As others have mentioned above, it's going to depend on a few things at time of lease signing:

- Regional discounts (Can you get 10% off msrp?)
- Availability of Incentives (Loyalty, lease cash, etc)
- Money Factor
- Residual Value

If you can get a healthy 10% discount, along with some good incentives, a low buy rate money factor and a good residual, you can easily get a payment in the $800-$900 range.

On the flip side, if discounts are hard to come by and there aren't any incentives being offered, plus low residuals, you can expect that payment to balloon up to $1k+.
Who is giving 10% discounts on M cars?
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      10-09-2020, 09:28 PM   #18
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Who is giving 10% discounts on M cars?
Check to see if there is an M-Gruppe club near where you live. They sometimes offer discounts on new vehicles at partnering dealerships. The way to join that group is to have an M car, which they verify by VIN. Per your profile info it appears you do have one.

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      10-10-2020, 07:00 AM   #19
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Quote:
Originally Posted by snareman View Post
Who is giving 10% discounts on M cars?
It's a hypothetical "best case" scenario. Point being a lease payment depending on discounts, incentives, MF, residual, etc etc will be roughly somewhere in the range of $800-$1k per month.

Regardless, plenty of people have gotten greater than 10% off on X3M's. Just peruse the pricing thread:
https://x3.xbimmers.com/forums/showthread.php?t=1620929
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      10-11-2020, 06:25 PM   #20
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Quote:
Originally Posted by GMCHEM83 View Post
Quote:
Originally Posted by Penguino View Post
Expect $36,000 to $40,000 in lease payments for a $80K build for first year leases.

Think about that number and consider maybe purchasing it.
Hmmm practically the same thing. I could purchase it over 6 years for the same as leasing 3 yrs with those numbers....the only difference would be a little more for the interest. I would need to check with my dealer because they offer a discount on new cars for M-Gruppe members, which I am currently a part of, and see if those terms apply to either lease or purchase and see where the numbers are most favorable.

GM
Correct. And after 6 years, it's yours, and still worth about $30-$40K.

Alternatively you can lease a new one every 3 years for $650-$1100 depending on the deal and stage of the product cycle.
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      10-12-2020, 09:55 PM   #21
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to show some canadian perspective... both my salesperson and myself are speculating that G8X lease will look more similar to M2 than M5. So that means 5.99% interest rate, 59% 36 months residual, 55% 42 months, and 51% 48 months.

This plus lower MSRP should work out to some favorable lease payments vs C63 and RS5 in Canada
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      10-13-2020, 01:40 PM   #22
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Quote:
Originally Posted by GMCHEM83 View Post
Hmmm practically the same thing. I could purchase it over 6 years for the same as leasing 3 yrs with those numbers....the only difference would be a little more for the interest. I would need to check with my dealer because they offer a discount on new cars for M-Gruppe members, which I am currently a part of, and see if those terms apply to either lease or purchase and see where the numbers are most favorable.

GM
Why why why ever purchase? The flexibility leasing gives you is awesome- something happens to the car on a finance and YOU eat the depreciation. I don’t see why financing is ever a better idea anymore, especially on a new model that will have an updated LCI in 3 years
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