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yes you made a dent albeit a small one. Depending on your payments now and term on the lease.
your dent is probably a couple hundred dollars.
no BMW will not have a problem with you doing this at all. you already have given them some money and wether you refinance it with them or without , they are still selling a car and making money off you.
you cannot add up your payments and add the residual that will not be the right number.
you have to call bmw or sign up online to get a "payoff Quote".
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