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06-08-2018, 11:32 PM | #25 | ||
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06-09-2018, 12:00 AM | #26 | |
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Got it. I was getting pricing on a one time lease payment for a 24 month term, so the security deposit are a moot point, correct? |
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06-09-2018, 02:36 AM | #27 | ||
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06-09-2018, 04:11 AM | #28 | ||
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06-09-2018, 05:58 AM | #29 |
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What exactly is a security deposit for a lease? Is that basically giving them cash for the value of the car while leasing it? Why would you do that when paper was so cheap last year?
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06-09-2018, 08:35 AM | #30 |
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I'm stuck wondering why Florida is listed separately from the Eastern region. How is this not repetitive? What am I missing ?
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06-09-2018, 08:39 AM | #31 |
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I mean, as a pure investment strategy, it isn't mind-blowing, but at worst, it still represents about 10% return. At best, the money sits there and is yours in case anything happens to the car, while also saving you money. It's not the end-all of lease strategies, but I don't see the real downside to the average lessee.
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06-09-2018, 09:41 AM | #33 | ||||
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It does. PA is considered Eastern Region. Quote:
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FL is considered Southern Region. Not sure how the decision was made to re-introduce this to the whole Eastern Region then picking two states...must have been plenty of calculations and projections involved. |
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06-09-2018, 10:32 AM | #34 |
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I think eastern region is north of VA
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06-09-2018, 11:59 AM | #36 |
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Dumb question time: spread the lease out over 24 months for me would be better so would not doing an all at once 24 month payment and doing seven security deposits be a better move? I get it back correct? I am pretty sure it will be a bit more than the $225 I was quoted but how much more?
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06-09-2018, 03:57 PM | #37 |
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When MSDs droped your money factor 7 basis points each, it was a bit cheaper cheaper to do that than it was to do a one-pay lease as your money factor reduction was 49 points, compared to 30 points for the one-pay. At 5 basis points each now, you're still better off, but only by a bit.
And yes, you do get all of your security deposits back at the end of the lease, OR you can roll them into the next lease if they're still offering it then. If you can afford the initial outlay, it's a great idea to max out your MSDs. It's less lucrative now than it was before, but it's still a good deal. |
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06-10-2018, 09:56 AM | #38 | |
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06-10-2018, 10:19 AM | #39 |
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NY is limited to a total MSD of $749 so NY customers cannot take maximum advantage of the program. .
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06-13-2018, 06:58 AM | #40 |
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So this is basically BMW borrowing money from its customers in return for the decrease in their lease payments ?
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06-13-2018, 07:06 AM | #41 |
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Indeed. It’s worked very welll for me in 2015.
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06-13-2018, 08:48 AM | #42 |
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Even though I live in FL, I had to go with a dealer in CA that was able to get one of the very last allocations for a MY18 2 series. Very bummed I can't take advantage of the MSD program.
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06-13-2018, 12:01 PM | #43 |
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Basically. You are giving them a loan with x% interest based on the lease interest reduction.
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06-13-2018, 09:11 PM | #44 |
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I inked my lease 5/31. Think I could ask to re do? Drat.
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