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      02-05-2014, 07:43 PM   #1
Powaup
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Post Multiple Security Deposits + Calculator

Found this article and thought it may be of interest to those who plan on leasing like myself. I don't think I'll be using MSDs since I plan on putting a down payment of more than $5K anyways thanks to Gap insurance being provided on leases (I want really low monthly payments)

MSDs explained: http://www.bmwconfig.com/post/2011/0...nvestment.aspx

Excel Calculator:

http://f80.bimmerpost.com/forums/att...4&d=1391667449
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Last edited by Powaup; 03-03-2014 at 11:55 AM..
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      02-05-2014, 07:51 PM   #2
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I will repeat many others - never put money down on a lease. Never.
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      02-05-2014, 08:39 PM   #3
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I will repeat many others - never put money down on a lease. Never.
MSD's actually give you a higher rate of return than most investments, assuming that you are going to lease the car either way. It is NOT cap cost reduction.
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      02-05-2014, 08:52 PM   #4
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why would you want to put money down for cap cost reduction?
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      02-05-2014, 09:33 PM   #5
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Quote:
Originally Posted by Keto View Post
MSD's actually give you a higher rate of return than most investments, assuming that you are going to lease the car either way. It is NOT cap cost reduction.
Exactly, which is why you should never put money down on a lease. Put them in for MSDs!
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      02-05-2014, 11:22 PM   #6
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MSD's actually give you a higher rate of return than most investments, assuming that you are going to lease the car either way. It is NOT cap cost reduction.
Risk free investments yes
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      02-05-2014, 11:29 PM   #7
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Originally Posted by RealStig View Post
Exactly, which is why you should never put money down on a lease. Put them in for MSDs!
Do you know if you can use your MSDs as an annuity? i.e: have x amount coming out every month ?

too bad there is a limit on MSDs
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      02-06-2014, 12:18 AM   #8
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Found this calculator to calculate out your monthly payment with/without MSDs.

Source:
http://www.bimmerfest.com/forums/sho...d.php?t=261668
Attached Files
File Type: zip BMWLeaseCalculator.zip (8.6 KB, 9668 views)
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      02-06-2014, 12:20 AM   #9
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Is MSD really risk free?
What if you're in an car accident or damaged the car?
Will BMW take away the MSD you put down?
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      02-06-2014, 07:57 AM   #10
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Quote:
Originally Posted by smashhell View Post
Is MSD really risk free?
What if you're in an car accident or damaged the car?
Will BMW take away the MSD you put down?
From what I've read if the car is totaled you will get your MSD back after it's all settled.
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      02-06-2014, 10:48 AM   #11
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      02-07-2014, 02:48 PM   #12
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That is correct. MSD basically reduce your money factor down. You get all the money back at the end of the lease. Assume that what you are doing is "investing" by reducing your money factor. any reduction to your money factor is money not coming out of your pocket, but you must put down a security deposit to do so. It will tie up your money. If you are gaining less than about 4% on your investments currently than its probably worth it. As always make sure to consult with your Client Advisor before making a decision on your lease.
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      02-07-2014, 03:20 PM   #13
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What if you bought the car out would you get it back? Or lets say I got an offer on the car for the buyout amount of the lease after say 5 months would I get that back?
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      02-07-2014, 04:21 PM   #14
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Quote:
Originally Posted by 335iRlz View Post
What if you bought the car out would you get it back? Or lets say I got an offer on the car for the buyout amount of the lease after say 5 months would I get that back?
Yes, I think they would take it off the buyout amount or send a check after complete.
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      02-07-2014, 06:49 PM   #15
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Quote:
Originally Posted by RealStig View Post
Exactly, which is why you should never put money down on a lease. Put them in for MSDs!
+1
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      02-07-2014, 06:54 PM   #16
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Quote:
Originally Posted by dmk08
Quote:
Originally Posted by 335iRlz View Post
What if you bought the car out would you get it back? Or lets say I got an offer on the car for the buyout amount of the lease after say 5 months would I get that back?
Yes, I think they would take it off the buyout amount or send a check after complete.
They have to send you a check when lease is over
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      02-08-2014, 01:21 PM   #17
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Quote:
Originally Posted by Powaup View Post
They have to send you a check when lease is over
I just had a friend sell his m3 9 months into his lease and made 1000 dollars selling it for the buyout price to a local bmw dealer. So are you saying if he put 5k in security deposit down he wouldn't receive that 5,000 back until the end of the original lease agreement regardless that the car was paid off, and no longer in his possession?
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      02-08-2014, 02:32 PM   #18
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Quote:
Originally Posted by 335iRlz View Post
I just had a friend sell his m3 9 months into his lease and made 1000 dollars selling it for the buyout price to a local bmw dealer. So are you saying if he put 5k in security deposit down he wouldn't receive that 5,000 back until the end of the original lease agreement regardless that the car was paid off, and no longer in his possession?
If he sold it and paid it off he should get it back. I read if you transfer the lease the new owner gets them at the end of the term.
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      02-08-2014, 02:34 PM   #19
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Quote:
Originally Posted by dmk08 View Post
If he sold it and paid it off he should get it back. I read if you transfer the lease the new owner gets them at the end of the term.
Gotcha yeah... I just don't keep cars long and even if I lost 12k in 3 months of driving it, I don't wanna add another 5k on top of that having to wait till the end of the lease or whatever lol.

Appreciate the clarification.
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      02-19-2014, 05:33 PM   #20
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Originally Posted by lopezx90 View Post
So I'm thinking of getting a M4 ED with the options I want for around $65 to $70. Is my first time doing ED or getting a car right at launch. I already left my deposit at my local dealer I'm currently number 14 but the only one looking to do ED.

what are the chances of getting mine before the end of this year?
can I hope for a monthly payment (finance or lease) in the $700 to $800??
I think 800 is feasible at $65K ED MSRP and some MSDs
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      02-19-2014, 05:55 PM   #21
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Quote:
Originally Posted by Powaup View Post
I think 800 is feasible at $65K ED MSRP and some MSDs
Here is my build,

Base Price Euro Deliver Munich Pick Up $59,755
300 Alpine White
LKDA Sakhir Orange/Black Extended Merino Leather $950
2MK M Double-clutch Transmission with Drivelogic $2,900
688 Harman Kardon surround sound system $875
Destination & Handling $925
Total: $65,405

If I add ZEC Executive Package $4,000 it will come out to be $69,405. But $4000 for comfort access and rear view camera I don't know.

either leasing it or buying it putting around $5000 will get me payments lower than $800?
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      02-19-2014, 05:59 PM   #22
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Why use MSD's at all? I've leased the large majority of my cars and I've never used MSD's, and rarely have I ever put any money down (..and when I did, it wasn't more than $2k).
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