[wtwo3]

Originally Posted by Presplan

Was told my car should be arriving soon, hopefully, and started discussion with the finance manager. Was told that BMWFS has an 80/20 rule on how much you are allowed to put down and how much you have to borrow. You are only allowed to put down up to 20% of the MSRP amount. So if the car has an MSRP of $100,000 you can only put down the maximum of $20,000 and have to finance $80,000 (not taking into account any taxes, fees, etc in example). After you receive your first bill, you can pay off any principal balance but need to leave at least $10,000 of a balance for 3 months. And then you can pay it off anytime thereafter. This is what is needed to qualify for the $750 loyalty credit. Does anyone have further experience with this as I never heard of this rule before. Thanks.

I believe the dealer doesn't receive their kickback unless certain criteria are met (I know of the 3 months part, hadn't heard of the 80/20 thing). So if you pay off the full amount or refinance within the first 3 months, the dealer won't receive their kickback from BMWFS.

My guess is these rules don't apply to you as the consumer, but the dealer is trying to enforce them so that they get their share.

[arciga18]

Lolll, the bs the dealer is feeding you.

[arciga18]

Originally Posted by wtwo3

3.99% for 60 months and 4.49% for 72 months

Solid rate at considering what local credit unions are offering.

Do miss 1.9 for 72 though

[IM340]

Has anyone in Australia managed to get a deal on an X7 LCI? ... anything off list?

[tdtommy18]

1.5% off and another 1500 in loyalty on a 23 x7 40i custom order.

4.5% MF on a 36 month 12k lease, 51% residual.

payment would have been astronomical had I not turned in my other lease early and made out well in that exchange.

[Starry]

wow 8%! Could I get a referral please?

Originally Posted by nkole

Emailed salesman (large Bay Area dealer) I worked with to purchase my 21 X7 and a previous 530e, said he could get me 8% off MSRP for week 36 (sept 5th) allocation. Ordered the car today and got a production number. Now the waiting begins.

The KBB says my 21 w/24K miles is worth $75K at the midpoint for a private party sale. That car had a $94K MSRP.

[kuku]

I inquired ~10 major dealers near the west coast for M60. None replied with any discounts

[SUVLustMaster]

Originally Posted by kuku

I inquired ~10 major dealers near the west coast for M60. None replied with any discounts

Highly doubt NKOLE is speaking the truth, I called around 10 on the East Coast and only a few of the 10 are offering MSRP, no discounts

[nkole]

Originally Posted by SUVLustMaster

Highly doubt NKOLE is speaking the truth, I called around 10 on the East Coast and only a few of the 10 are offering MSRP, no discounts

Care to put your money down on that? Happy to share my paperwork when my car arrives in a couple of weeks

[SUVLustMaster]

Originally Posted by nkole

Care to put your money down on that? Happy to share my paperwork when my car arrives in a couple of weeks

Originally Posted by nkole

Care to put your money down on that? Happy to share my paperwork when my car arrives in a couple of weeks

No but would be interested in knowing which dealer in the Bay Area. 8% off MSRP sounds like a unicorn deal.

[Taktix1]

Originally Posted by SUVLustMaster

No but would be interested in knowing which dealer in the Bay Area. 8% off MSRP sounds like a unicorn deal.

I got essentially 5% off being on the East Coast. 8% isnt that far fetched and also a totally different market. 8% is the most I've seen though, sweet deal!

[nkole]

I sent so many customers to my dealer that they ask me to stop referring.

[David.J]

Originally Posted by Taktix1

I got essentially 5% off being on the East Coast. 8% isnt that far fetched and also a totally different market. 8% is the most I've seen though, sweet deal!

Mind sharing your dealer?

[David.J]

Originally Posted by nkole

I sent so many customers to my dealer that they ask me to stop referring.

BMW of Mountain View is where you ordered your X7

[IM340]

Originally Posted by IM340

Has anyone in Australia managed to get a deal on an X7 LCI? ... anything off list?

ok M60i ordered with a few individual bits, April build

[Taktix1]

Originally Posted by David.J

Mind sharing your dealer?

Sent you an PM

[SUVLustMaster]

Originally Posted by Taktix1

Sent you an PM

Originally Posted by Taktix1

Sent you an PM

Mind sharing with me as well? Thank you.

[kuku]

can you share the dealer to me?

[NJP6]

Any updates rates after red increase?

I was quoted 4.29 by the dealership.

[arciga18]

Originally Posted by NJP6

Any updates rates after red increase?

I was quoted 4.29 by the dealership.

You can always confirm the base rate by starting a finance app (you don't actually submit)

You will see the rate for 60.

[BrownieBMW]

Pending, first time BMW buyer. First time forum poster. Seeking feedback on one-pay vs. outright purchase. One thought pre-pay the 3 yr/15 k lease, see if I like the X7, then buy a new one in year 4. Or, the other, just buy now with extended warranty and prepaid maintenance and trust everything I've ever read that I will absolutely love BMW and this X7? MSRP on my X740i is $85,095 gross (add in 3rd party warranty + Ultimate Care + taxes more like $101k), no financing though. The one-pay is $57,000 + $700 Ultimate Care. Delivery is for early December.

I really wanted to know if anyone has had a positive (or particularly negative) experience w/ a pre-paid or 'one-pay' lease or how many '1st time BMW' owners, bought and loved it right away? Thanks for sharing some feedback.

[Phasers]

Originally Posted by BrownieBMW

Pending, first time BMW buyer. First time forum poster. Seeking feedback on one-pay vs. outright purchase. One thought pre-pay the 3 yr/15 k lease, see if I like the X7, then buy a new one in year 4. Or, the other, just buy now with extended warranty and prepaid maintenance and trust everything I've ever read that I will absolutely love BMW and this X7? MSRP on my X740i is $85,095 gross (add in 3rd party warranty + Ultimate Care + taxes more like $101k), no financing though. The one-pay is $57,000 + $700 Ultimate Care. Delivery is for early December.

I really wanted to know if anyone has had a positive (or particularly negative) experience w/ a pre-paid or 'one-pay' lease or how many '1st time BMW' owners, bought and loved it right away? Thanks for sharing some feedback.

You're not comparing apples to apples when you're comparing the one-pay lease to the vehicle. Anyways to answer your question, assuming MSRP with zero discounts:

PURCHASE
$85k MSRP
$700 UC Upgrade to include brakes in the first 3Y/36k
Taxes + Doc fees = ???
I am assuming you'll be around $91k-93k with everything OTD.

vs

ONE-PAY LEASE
$57k one pay
$700 UC
~$58K OTD.

Do you think your X7 will be worth less than $35K ($93k - $58K) in 3 years? I really doubt the value will drop under $40K, so I would purchase it and reevaluate adding a warranty, etc over the course of your ownership.

Speaking of warranty/UC: Maintenance (Ultimate Care) + BMW Platinum Warranty both for 6Y/100k miles should cost you about $10k (combined). That's a lot of money.