2018 BMW 430xi GC Loaner Calculation Help

Hello All,

Still casually looking at deals coming and I have this from a dealer on demo loaner with 3.6k miles on it:

The options for this GC put it at an MSRP of $56,410 (M Sport, Premium, Apple Car Play). I am really, really lost on how these numbers are being calculated. I had him give me options for zero drive-off as well as some down options just to see…I just don’t get how this is being calculated.

Do I just need to ask for the MF at this point? I told him that previous, I expected it to be close to the norm (which at the time was .00156) but I can’t seem to find the updated values for that now.

I am still considering just waiting until August to see if I can get even more discounts when the 19 models roll out, but this deal seems like it has potential…just not sure where I am off…Reg fee at $800??? Will the salesperson get annoyed asking for MF?

As I’m going through this, it looks like he’s charging tax on the total sales price. Which I don’t think is correct for my state (MI). If I take that out of the payment, then tax the monthly without sales tax in it, I get the total lease price for 36 months. I then multiply that by 6% to get the total sales tax, divide it by 36 and get the new monthly sales tax. That puts it at $501 which seems much more reasonable…but still not understanding the $800 reg fees.

What residual is he using? Based on prior posts, I think there is a mileage penalty between 500-5000 calculated as: (Mileage - 500) x .25 = $ residual penalty

Not sure…I am asking for all the details (I think he’s tired of me :D)…the discount is steep enough that it probably has that bundled in there. A 56k car down to about $43 is a pretty good discount, but the mark-ups after are killing me.

If you’re looking at the numbers on the right side, they most likely only pertain to purchasing. Only the lease payment and selling price has been given to you.

It’s possible…but for someone wanting to see all the details (which I asked for) that seems kind of silly. Waiting to see what he says on MF, residual, tax, etc.

I know what you mean. This seems the standard form for dealerships. I always have to ask for the actual lease number separately.

Dealer is stating $31,300 residual value with a MF of .0166 which is correct for May. He also said that they get their tax and fee estimates from a 3rd party and they are always higher.

With that being said, it seems like a decent deal if I were to have them separate the taxes and fees out…I am rolling them all in and the taxes are wrong, so I need that sorted out. Is it normal that they outsource that and don’t have exact figures?