[fan51]

I got rid of my M550i. I really want the F90 M5. The last time I went and got a lease quote was about a year ago and the numbers were absolutely nuts. I'm hoping by now the prices have come down a bit.

Im looking to lease a 22 M5 (close to base model). I'd like to put down $5,000-7,500 total due at signing with a 36 month lease at 12k miles per year. What should I expect the monthly payment to be?

[boost3dx]

Top dollar. Inventory is very limited. Example:

https://f90.bimmerpost.com/forums/sh....php?t=1914175

[AGS]

Prices are high (market adjustments in play) and rates are rising. Assuming you can get an allocation at MSRP, a base M5 at $105,695 MSRP (zero options) using the March lease program for 12k miles and $6,250 down (midpoint of your range) is about a $1,450 per month.

[Moserkm]

Originally Posted by AGS

Prices are high (market adjustments in play) and rates are rising. Assuming you can get an allocation at MSRP, a base M5 at $105,695 MSRP (zero options) using the March lease program for 12k miles and $6,250 down (midpoint of your range) is about a $1,450 per month.

That, and I haven't seen very many M5s that don't have options. So you can add about $200 onto the payment with average options.

[Ex_Stig]

Originally Posted by fan51

I got rid of my M550i. I really want the F90 M5. The last time I went and got a lease quote was about a year ago and the numbers were absolutely nuts. I'm hoping by now the prices have come down a bit.

Im looking to lease a 22 M5 (close to base model). I'd like to put down $5,000-7,500 total due at signing with a 36 month lease at 12k miles per year. What should I expect the monthly payment to be?

Maybe keep an eye out for a lease assumption. That might be your best bet.

[TFBravo]

That's the most expensive way to own a vehicle, why not buy it outright?

[Hammer110!]

Originally Posted by fan51

I got rid of my M550i. I really want the F90 M5. The last time I went and got a lease quote was about a year ago and the numbers were absolutely nuts. I'm hoping by now the prices have come down a bit.

Im looking to lease a 22 M5 (close to base model). I'd like to put down $5,000-7,500 total due at signing with a 36 month lease at 12k miles per year. What should I expect the monthly payment to be?

BMWFS MF is very high right now for M5 the residual has gone down.
Example: 116,500 M5C (w guzzler/trans) over 2100.00/mo 12K/36 mo lease.

Rule number 1: NEVER put money down on a lease. It has zero benefit to you other than to artificially lower your monthly. If car is totaled you’re out the cash.

MF, Residual and Cap Cost are the only things that matter in a lease negotiation.

[Hammer110!]

Originally Posted by Ex_Stig

Maybe keep an eye out for a lease assumption. That might be your best bet.

This ☝️💯

[zb2603]

Originally Posted by Hammer110!

BMWFS MF is very high right now for M5 the residual has gone down.
Example: 116,500 M5C (w guzzler/trans) over 2100.00/mo 12K/36 mo lease.

Rule number 1: NEVER put money down on a lease. It has zero benefit to you other than to artificially lower your monthly. If car is totaled you’re out the cash.

MF, Residual and Cap Cost are the only things that matter in a lease negotiation.

What do you think is best course of action? Finance it? Buy it outright? Do MF go up during the spring historically or is it because of the current environment?

[Hammer110!]

Originally Posted by zb2603

What do you think is best course of action? Finance it? Buy it outright? Do MF go up during the spring historically or is it because of the current environment?

I was looking to purchase or lease. When dealers came back with market adjustments above MSRP I pivoted to a lease assumption of a vehicle that was a good lease when incepted (MF/Resid/no cap cost reduction). I was fortunate that my broker had a client that just accepted vehicle in Dec 21 that was not driving vehicle hence wanted out of lease.

Current financial environment is not kind to interest rates hence financing options will be poor. Buying an M5 at over list will be painful when it’s time to let go of it.

[spuntyb]

Originally Posted by Hammer110!

This ☝️💯

Agree with this. They're few and far between right now, but make sure to check every day, several times a day if you need to. When I got my lease assumption March of last year, cars were abundant, so I could pick and choose options and deals. Now, not so much, but some good cars still show up time to time. I paid $530 to get into a car with all the options I wanted, that was low miles, garage kept, low payments, and plenty of available miles. Now most of the assumptions are looking for a lot of $ down ($7-$15k), so are all close to $2k/month, and many are missing options like full leather or B&W.

This is an example of one of the better assumptions I've seen lately, just for reference:
https://www.swapalease.com/lease/det...?salid=1587496

If you order a car and lease rn (my opinion doesn't matter to how you want to finance a car, but leases are just throwing $ away long term right now), depending on options, you'll be paying minimum MSRP, and looking at payments pushing $1800-$2k or more. Makes more sense to buy rn, more than ever imho. I prefer leasing these cars as well, but if you're dead set on a lease, I would look for an assumption first. Leasing a new one is pretty unappetizing right now imho.

[SpeedyATL]

Yes, leasing is total shit right now. Much more painful to pay the depreciation from a non-discounted MSRP over just 36 months vs over 60+ months in a purchase.

It's purely psychological for me, but rather than leasing, I'm going to buy and put down in cash what I think the car will be worth in 5 years. Then make 60 payments that should closely approximate the monthly depreciation (assuming I hold it to the end of the 60 mon). Then at the end, I can use the paid for car as trade equity and recapture a bit of sales tax credit on a purchase or cash out if leasing is attractive again at the time.

Again, doesn't really change the numbers, just help me sleep at night knowing my pmt isn't twice what it might otherwise be. And, with inflation running crazy, I can pay back the loan in less valuable dollars....there's that.

[Hammer110!]

Originally Posted by SpeedyATL

Yes, leasing is total shit right now. Much more painful to pay the depreciation from a non-discounted MSRP over just 36 months vs over 60+ months in a purchase.

It's purely psychological for me, but rather than leasing, I'm going to buy and put down in cash what I think the car will be worth in 5 years. Then make 60 payments that should closely approximate the monthly depreciation (assuming I hold it to the end of the 60 mon). Then at the end, I can use the paid for car as trade equity and recapture a bit of sales tax credit on a purchase or cash out if leasing is attractive again at the time.

Again, doesn't really change the numbers, just help me sleep at night knowing my pmt isn't twice what it might otherwise be. And, with inflation running crazy, I can pay back the loan in less valuable dollars....there's that.

All good points “unless” you can write the lease off through your business. Then it becomes a different equation

[SpeedyATL]

I think this clip applies in this crazy car market...