Hello Hackrs,
I’m in the market for a Volvo XC60 in CT. Below is the link to the calculator for a deal I received on a Denim Blue/Amber XC60 T5 Mom AWD with 19" alloys, premium package, heated steering and booster cushions.
$48K MSRP
11% off brings the selling price to $42.5K
36/10
$2500 + Plates
$439+Tax monthly
Should I use MSDs? Please let me know your thoughts and this is my first lease.
Thanks in advance
Satheesh
Well, obviously I like the deal 
Take it, a 11% pre with all incentives you qualify for isn’t something to scoff at.
One thing, your sales tax says to me outside of NY, why no MSDs? You’d get a great ROI, and unless you plan on using that cash soon in a higher roi method (purchasing a home, Kodak shares, or insider trading), why not?
Play with the Calc to see how it would change your monthly and total cost over 3 years vs upfront cost.
ha ha 
Has the ship sailed on the big XC60 incentives?
In our region I am seeing $1750 in lease cash on the T5 Mom AWD.
Loyalty would be $1000. FR/Medical/Teacher would be $500.
Base MF is .00097
Volvo lease cash isn’t taxed. It’s client facing.
Truth-I sent him an updated calc. I had the RV a point off as well. 56 for 10K. Thats what I get for desking while driving. So its actually 11.5% w buy rate
max MSDs, pretty much always, unless interest rate is already zero (which it isn’t here), or you are so incredible of an investor that you can make 10-15% risk free every year with all of your available capital
Hes going with MSDs and saving the additional $36.xx/Month! Smart man
Thank you everyone for the inputs.
Take a T6. Great pricing.