BMW 1 Series Coupe Forum / 1 Series Convertible Forum (1M / tii / 135i / 128i / Coupe / Cabrio / Hatchback) (BMW E82 E88 128i 130i 135i)
 





 

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      10-15-2007, 09:59 AM   #23
NJKSC27
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i am hoping for 2,500 total down, 440ish/month including tax, tags and fees on a 36 month lease, 12K/yr.

if it starts to approach mid 5's, i will buy the 335i coupe without a doubt. The 3-series will now start to drop with the 1er coming out and the hype has calmed down over the 3 coupe.

im surprised we haven't really done a direct comparison.... 335i vs 135i. I really think that the lease packages for the 1er will be out of the roof though. Look at any new body styles or new models in the US.... ie: acura rl or acura rdx....both lease packages were ridiculous. The RL for around 800/month and the rdx around 700/month.
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      10-15-2007, 08:44 PM   #24
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You will have to do the math before you make a final decision. General rule is nothing down and max MSD.

The risk of cap reduction is that th car is a total loss, ie accident or stolen. In that case th cap reduction is lost.

MSD has no real risk and gives a better return on the dollar.
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      10-16-2007, 09:04 AM   #25
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Pardon the potentially stupid question, but what is MSD?
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      10-16-2007, 12:17 PM   #26
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Multiple Security Deposit.

It's like an extra security deposit. You save money with it by reducing the money factor, and for some leases without a maximum, you can reduce it to 0 or close to it by putting a lot down. You get the money back at the end of the lease.

I'm not sure if BMW allows for multiple security on their leases.
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      10-17-2007, 08:29 AM   #27
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Here is what I found during my research into this:

"The security deposit is your monthly payment rounded UP to the next $50 increment so $630 payment requires a $650 security deposit. The point to the MSD is that each additional security deposit cuts the money factor by .00007 so if you do all seven you'll cut your money factor by .00049 lowering your monthly payment and the total price of the lease. The really nice part about this is that you get all of your security deposits back (less excess wear and tear) at the end of the lease OR if you wreck your car. The only downside to MSD is that it will not lower your payments as much as CCR but it is perfectly save and a you get a good rate of return on that money while BMWFS holds it."

Looks like it is worth it.
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      10-17-2007, 10:22 PM   #28
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I think so. I just did the numbers on an 335 e93 (mf .00310).

With cap reduction the return on the dollar was 4.5% per year (and some states make you pay sales tax on cap reduction). You can easily beat that with a safe investment even with paying taxes on the gains.

Max msd returned returned 11.11% per year. That would be tough to beat with a safe investment, let alone taking taxes into account (no taxes owed on the on the msd savings).
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      10-20-2007, 10:10 PM   #29
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are security deposits a feature which dealers can whine about and/or deny offering to you?
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      10-21-2007, 02:14 AM   #30
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I'm still a newb to leasing, but I'm strongly going to consider it at my next purchase. If it ends up not being much more, I might wait and order a face-lifted 335i sedan...
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      11-19-2007, 01:43 PM   #31
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Quote:
Originally Posted by E82TT6 View Post
Multiple Security Deposit.

It's like an extra security deposit. You save money with it by reducing the money factor, and for some leases without a maximum, you can reduce it to 0 or close to it by putting a lot down. You get the money back at the end of the lease.

I'm not sure if BMW allows for multiple security on their leases.
Which one would you get back at the end of the lease? The upfront down payment, or the security deposits, or both? I have never leased a car before, and from what I have been reading here, no one has mentioned whether we will get our down payment or security deposits back at the end of the lease. And why would BMW keep your Max Security Deposit if you wrecked the car? Doesn't your full-coverage insurance pay BMW in that situation?
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