Hi all, new here so bear with me. I have a nicely configured 2025 xDrive50 built out and ordered through a local dealer and recently sat down with them to get the financials squared away. Here’s my calc link
MF: shouldn’t this be a max of .00090? I read dealers are allowed a max markup of .00040 but in my case I’m being marked up .00059 (I have excellent credit)
RV: doesn’t match the 54% I was told for Bay Area/2025 iX on Edmunds forums
Lastly what I’m curious about as well is the dealer told me they are using $3806.01 from the 9900 rebate for all dealer fees, tax, title license so I’m left with 6093.99 deduction to arrive at 89,051.01 cap cost.
I’m certain. I’ve been texting with an advisor for a bit now and then yesterday the GM called me and confirmed RV and MF over the phone after I balked at it via text with my advisor. First he said .00090 but said wait, that’s not 2025 and changed to .00109 – which then once I plugged into the calc jived with the rest of everything they’re saying (monthly payment etc).
Where did you get the MF and residuals from? Make sure you aren’t looking at 2024 or aprils figures on accident. It wouldn’t surprise me one bit to see bmw lower RV and raise MF for may over april and going from 2024 to 2025 in order to incentivize moving of 2024 left overs.
I got them today from the Edmunds guys, so I’m assuming they are giving May numbers. They said nationwide MF right now is .00069 and RV 53% while CA and CO .00050 MF and 54% residual.
Good job on doing the calc! All you can probably do now is see if they will match your 1066+tax on 1683 DAS with full MSD…maybe start with asking for 1050+tax for 1750 DAS with full MSD and see what they say.
I think Edmunds info must be incorrect. I’ve come to this conclusion both from the fact that the majority of the US is at .00069 MF and 53% RV and going by @Otherman’s deal here which is also for a 2025 build in the Bay Area. His base MF was .00069, he’s just luckier that he didn’t get the .00040 mark-up like I did. It’s not exactly apples to apples since his is 7500/36k but still…
Not sure what you mean here @gohawks23, I’m already at full MSDs. I don’t really want to put any actual cash down…my main concern was the MF but I’m thinking Edmunds just has wrong data…in that case I wish they wouldn’t boost it so high…it kinda makes my 7% discount a bit moot…
Theres nothing wrong with a marked up mf. Set your target deal, and if they get to it with a marked up mf, great. If they don’t get to it, find a dealer that does.
Good points for sure, I was more concerned that the MF was marked up artificially higher than possible (more than +.00040). I don’t have a target deal. I just don’t want to be taken advantage of, hence the desire for lowest possible MF and looking for some validation from experienced folks like yourselves :]
