Quote:
Originally Posted by drF80
No, I am not confused about MSDs and the initial discussion about apples to apples payment was exactly that - I would not pay almost the same amount for G20 as for an F80.
My payment of $850 on F80 (almost fully loaded) with ZERO down and ZERO MSDs is not much higher from the equivalently equipped G20 with nothing up front.
I understand how the MSD stuff works and it is beneficial but with risks — if you ever want to transfer your lease, you most likely lose it. If you total your car, you will lose it...
The bottom line is, your payment is lower because you used MSDs. You also could have done it with the down payment and then sell the car at the end of the lease and get some or all of it back...
|
If you total your car, you do not lose your MSD's. Once your insurance company pays off the remaining balance of the lease, BMWFS will refund the MSD amount, or you can just apply it to another lease.
Buying out and then selling the car at the end of the lease is typically not a good idea when it comes to BMW, with their inflated residual values.
There's an $11k difference in MSRP between your "almost fully loaded" F80 and my fully loaded G20, so I wouldn't exactly call that "almost the same amount". In regards to MSD's, as I mentioned before, even without MSD's my payment comes to ~$695/month which is a significant $155/month lower than yours.