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      07-26-2019, 10:07 AM   #1
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New 2020 X5 Deal Pricing?

Some guidance please....

ORDERED:
2020 X5 xdrive 40i
MSRP $73,270
36mo/10K
Fort Laud, FL
Expect delivery late Aug/early Sept.

QUESTION:
Fair Lease Price? (say $2-3K down)
Any programs available?
Expected discount (pre programs) for a 2020?

Appreciate thoughts on FAIR pricing.
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      08-04-2019, 11:18 PM   #2
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Another resource I would recommend is the x5 forums on edmunds.com.
They have folks that can confirm the residual and money factor and other lease items.
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      08-15-2019, 09:36 AM   #3
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MSRP = $73,270
Sale Price you should shoot for = $65,940

10k Residual is 58%
Base MF is .00145
Each MSD will lower that by .00005
7 MSD's is the max you can lay out.
With full MSD's laid down, your MF should be .00110

You should be shooting for 10% off on an ordered vehicle, and happy at 9% or so if you don't have a shit experience with the dealership.

Not contemplating tax, as it varies by state, at 10% off the MSRP and no markup on the MF rate, you should be at about $875 a month pre-tax on a zero drive off lease.

Assuming that same 10%;Paying acquisition and dealership fees up front (Give or take $2,800 out of pocket including first month), you should be looking at a payment around $790 pre-tax.

If you put 7 MSD's down, your MSD cost would be approx $5,600 (refundable in full to you at lease end), you should end around $765 pre-tax.
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Last edited by RowanBuds; 08-22-2019 at 07:38 PM.. Reason: incorrectly stated the MSD lowering increment
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      08-20-2019, 10:26 AM   #4
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Very good informative post. For those who like to put money upfront to lower monthly payment, do not do that because in case your SAV get totaled you will lose your money.
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      08-20-2019, 11:27 AM   #5
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Quote:
Originally Posted by Habsone View Post
Very good informative post. For those who like to put money upfront to lower monthly payment, do not do that because in case your SAV get totaled you will lose your money.
Not a problem, glad to lend a hand.

Yes, you're correct on the $ down on a lease. The MSD's do not fall into that same scenario upon a total loss before term maturity - and the same should apply for the tax payment (state specific, of course).

Meaning, if you elect to pay the tax up front, let's call it $3,600 on a 36 month term for simplicity - and the car is then deemed a total loss at month 4, whether accident/stolen/etc., - you are entitled to a refund of the balance, in this case 32 months, or $3,200. Yes, you may have to jump through hoops with the dealership, your insurance company, the state - but you're entitled to get it back. There's not much downside, IMO.
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      08-21-2019, 07:41 AM   #6
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Quote:
Originally Posted by RowanBuds View Post
Not a problem, glad to lend a hand.

Yes, you're correct on the $ down on a lease. The MSD's do not fall into that same scenario upon a total loss before term maturity - and the same should apply for the tax payment (state specific, of course).

Meaning, if you elect to pay the tax up front, let's call it $3,600 on a 36 month term for simplicity - and the car is then deemed a total loss at month 4, whether accident/stolen/etc., - you are entitled to a refund of the balance, in this case 32 months, or $3,200. Yes, you may have to jump through hoops with the dealership, your insurance company, the state - but you're entitled to get it back. There's not much downside, IMO.
I thought you can only transfer MSD's from your current lease
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      08-21-2019, 08:00 AM   #7
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Quote:
Originally Posted by jeymz View Post
Another resource I would recommend is the x5 forums on edmunds.com.
They have folks that can confirm the residual and money factor and other lease items.
+1 I would go here as a first resource especially as more 2020 become available.
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      08-21-2019, 08:01 AM   #8
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Quote:
Originally Posted by RowanBuds View Post
MSRP = $73,270
Sale Price you should shoot for = $65,940

10k Residual is 58%
Base MF is .00145
Each MSD will lower that by .00007
7 MSD's is the max you can lay out.
With full MSD's laid down, your MF should be .00110

You should be shooting for 10% off on an ordered vehicle, and happy at 9% or so if you don't have a shit experience with the dealership.

Not contemplating tax, as it varies by state, at 10% off the MSRP and no markup on the MF rate, you should be at about $875 a month pre-tax on a zero drive off lease.

Assuming that same 10%;Paying acquisition and dealership fees up front (Give or take $2,800 out of pocket including first month), you should be looking at a payment around $790 pre-tax.

If you put 7 MSD's down, your MSD cost would be approx $5,600 (refundable in full to you at lease end), you should end around $765 pre-tax.
Wow that residual is crap. I thought it used to be 0.58 for 12k miles. What is the residual for 12k?
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      08-21-2019, 08:31 AM   #9
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Quote:
Originally Posted by spyfish007 View Post
Quote:
Originally Posted by RowanBuds View Post
MSRP = $73,270
Sale Price you should shoot for = $65,940

10k Residual is 58%
Base MF is .00145
Each MSD will lower that by .00007
7 MSD's is the max you can lay out.
With full MSD's laid down, your MF should be .00110

You should be shooting for 10% off on an ordered vehicle, and happy at 9% or so if you don't have a shit experience with the dealership.

Not contemplating tax, as it varies by state, at 10% off the MSRP and no markup on the MF rate, you should be at about $875 a month pre-tax on a zero drive off lease.

Assuming that same 10%;Paying acquisition and dealership fees up front (Give or take $2,800 out of pocket including first month), you should be looking at a payment around $790 pre-tax.

If you put 7 MSD's down, your MSD cost would be approx $5,600 (refundable in full to you at lease end), you should end around $765 pre-tax.
Wow that residual is crap. I thought it used to be 0.58 for 12k miles. What is the residual for 12k?
12K 57% and 15K 55%
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      08-21-2019, 08:43 AM   #10
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Quote:
Originally Posted by nyc328ci View Post
I thought you can only transfer MSD's from your current lease
Starting last January, the MSD program was re-instated nationwide for new and existing customers.
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      08-21-2019, 01:38 PM   #11
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Quote:
Originally Posted by TurtleBoy View Post
Starting last January, the MSD program was re-instated nationwide for new and existing customers.
Thats great news!
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      08-22-2019, 12:28 PM   #12
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Quote:
Originally Posted by spyfish007 View Post
Quote:
Originally Posted by RowanBuds View Post
MSRP = $73,270
Sale Price you should shoot for = $65,940

10k Residual is 58%
Base MF is .00145
Each MSD will lower that by .00007
7 MSD's is the max you can lay out.
With full MSD's laid down, your MF should be .00110

You should be shooting for 10% off on an ordered vehicle, and happy at 9% or so if you don't have a shit experience with the dealership.

Not contemplating tax, as it varies by state, at 10% off the MSRP and no markup on the MF rate, you should be at about $875 a month pre-tax on a zero drive off lease.

Assuming that same 10%;Paying acquisition and dealership fees up front (Give or take $2,800 out of pocket including first month), you should be looking at a payment around $790 pre-tax.

If you put 7 MSD's down, your MSD cost would be approx $5,600 (refundable in full to you at lease end), you should end around $765 pre-tax.
Wow that residual is crap. I thought it used to be 0.58 for 12k miles. What is the residual for 12k?
They have a ton of sitting 2019 inventory they need to get rid of. I'm sure residuals will be higher once they get rid of some of the 2019 inventory

BMW often lowers residuals on next model year and keeps 2019's higher residual to move product
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      08-22-2019, 06:56 PM   #13
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Quote:
Originally Posted by RowanBuds View Post
MSRP = $73,270
Sale Price you should shoot for = $65,940

10k Residual is 58%
Base MF is .00145
Each MSD will lower that by .00007
7 MSD's is the max you can lay out.
With full MSD's laid down, your MF should be .00110

You should be shooting for 10% off on an ordered vehicle, and happy at 9% or so if you don't have a shit experience with the dealership.

Not contemplating tax, as it varies by state, at 10% off the MSRP and no markup on the MF rate, you should be at about $875 a month pre-tax on a zero drive off lease.

Assuming that same 10%;Paying acquisition and dealership fees up front (Give or take $2,800 out of pocket including first month), you should be looking at a payment around $790 pre-tax.

If you put 7 MSD's down, your MSD cost would be approx $5,600 (refundable in full to you at lease end), you should end around $765 pre-tax.
MSD's now reduce the MF by .00005 for a max of .00035
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      08-22-2019, 07:37 PM   #14
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Quote:
Originally Posted by Jason340Msport View Post
MSD's now reduce the MF by .00005 for a max of .00035
You're right, that's my bad on the typing from memory my math is right, but my # was wrong- it is .00005 per, with a max of 7. brainfart, appreciate the correction. Will update my post as to not confuse anyone.
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      08-26-2019, 09:38 AM   #15
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Should I be looking for 10% discount any a custom build or does it vary by state?
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      08-26-2019, 10:08 AM   #16
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Quote:
Originally Posted by bwsteg View Post
Should I be looking for 10% discount any a custom build or does it vary by state?
Seems like it varies by region... but I think 10% is a good goal to have for a custom build, and you can be happy with anything between 8-10%.
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      08-26-2019, 10:09 AM   #17
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Quote:
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Should I be looking for 10% discount any a custom build or does it vary by state?
It varies by state and dealer along with time of year.
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