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      01-08-2020, 06:44 PM   #1
wrdnk
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Current money factor & residual

Hi all,

Happy New Year!

I was wondering what the current money factor and residual % (for 36m/10k lease) are for 2020 X5.

Also, is January a good time to lease? With CCA policy change (having to wait for 6 months to become eligible for the rebate), I am thinking if I should wait for a couple more months until new incentives (if any) roll out.

Thanks for your help/knowledge as always
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      01-08-2020, 06:51 PM   #2
Auricom
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Quote:
Originally Posted by wrdnk View Post
Hi all,

Happy New Year!

I was wondering what the current money factor and residual % (for 36m/10k lease) are for 2020 X5.

Also, is January a good time to lease? With CCA policy change (having to wait for 6 months to become eligible for the rebate), I am thinking if I should wait for a couple more months until new incentives (if any) roll out.

Thanks for your help/knowledge as always
January is still a good time to lease, not optimal but there is a lease incentive and loyalty to offset the decrease in residual value.

January numbers
MF 0.00137 or 3.29%
Lease residuals dropped by 1%
57%/10K, 56%/12K, 54%/15K

For example on a X5 with MSRP of 75K, -1% is roughly-$750 and difference between MF 0.00128 and 0.00137 is +$11/mo or $396 over the term of a 3 year lease.

Nov and Dec were the best months:
MF 0.00128 or 3.07%
Lease residuals jumped back to their standard
58%/10K, 57%/12K, 55%/15K

Sept through Oct were rough with 2% drop in lease residuals:
MF 0.00128 or 3.07%
56%/10K, 55%/12K, 53%/15K
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      01-08-2020, 07:09 PM   #3
bluzbra
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Quote:
Originally Posted by Auricom View Post
January is still a good time to lease, not optimal but there is a lease incentive and loyalty to offset the decrease in residual value.

January numbers
MF 0.00137 or 3.29%
Lease residuals dropped by 1%
57%/10K, 56%/12K, 54%/15K

For example on a X5 with MSRP of 75K, -1% is roughly-$750 and difference between MF 0.00128 and 0.00137 is +$11/mo or $396 over the term of a 3 year lease.

Nov and Dec were the best months:
MF 0.00128 or 3.07%
Lease residuals jumped back to their standard
58%/10K, 57%/12K, 55%/15K

Sept through Oct were rough with 2% drop in lease residuals:
MF 0.00128 or 3.07%
56%/10K, 55%/12K, 53%/15K
Just one point of clarification - the residuals you just listed are all for the xDrive40i, not the sDrive40i. The sDrive40i is 2% less (e.g., 55%/10k, 54%/12k, 52%/15k). But the lease credit on the sDrive40i (at least in the Los Angeles area) is $1,000 more than the xDrive40i, which makes up for some of the residual difference between the two different models.
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      01-08-2020, 08:05 PM   #4
Auricom
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Quote:
Originally Posted by bluzbra View Post
Quote:
Originally Posted by Auricom View Post
January is still a good time to lease, not optimal but there is a lease incentive and loyalty to offset the decrease in residual value.

January numbers
MF 0.00137 or 3.29%
Lease residuals dropped by 1%
57%/10K, 56%/12K, 54%/15K

For example on a X5 with MSRP of 75K, -1% is roughly-$750 and difference between MF 0.00128 and 0.00137 is +$11/mo or $396 over the term of a 3 year lease.

Nov and Dec were the best months:
MF 0.00128 or 3.07%
Lease residuals jumped back to their standard
58%/10K, 57%/12K, 55%/15K

Sept through Oct were rough with 2% drop in lease residuals:
MF 0.00128 or 3.07%
56%/10K, 55%/12K, 53%/15K
Just one point of clarification - the residuals you just listed are all for the xDrive40i, not the sDrive40i. The sDrive40i is 2% less (e.g., 55%/10k, 54%/12k, 52%/15k). But the lease credit on the sDrive40i (at least in the Los Angeles area) is $1,000 more than the xDrive40i, which makes up for some of the residual difference between the two different models.
Thanks for adding additional clarification. Since the OP didn't clarify which model X5, I generalize on the xDrive40i since the number of sDrive40i inquiries is low. Also incentives are left out as factors due to their variability across regions and individual qualifications. For leasing, getting the lowest selling price excluding incentives the largest hurdle for most consumers, followed by MF rate and incentives. Residual info is easily accessible.
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