Hello. Negotiating 2024 BMW IX xdrive50 in Southern California. MSRP $97,085. Sale price $79,000. MF 0.00116. 36 month, 12k, $856 monthly incl. taxes with $10k cash down
(including fees).
I’d appreciate your thoughts.
Payment seems high for the msrp and discount (even if it includes rebate)
That’s what I thought too and that’s why I needed second opinion
With that down payment anyway.
Do you have the worksheet?
Definitely do not sign this.
This adds $277 a month to your effective payment. 
For about the same money you could buy two Five-Dollar Buck Lunches every single weekday, all year.
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Is it possible that they’re saying the sale price is $79000 but are including the 9900 rebate in that figure? I don’t know what the iX market is looking like right now, but 18.5% off MSRP feels a bit high. If they’re selling for 88900 (which is closer to a 8.5% discount) the payment still feels high. Are you rolling in any negative equity from a previous vehicle?
Is this before or after the $9900 incentive?
What is the residual value (RV)?
Is this all cap cost reduction or are you paying fees and putting down a security deposit? Share the breakdown.