Hello All-
I found a new 2018 Mercedes g63 list price $154,151...selling price $139,151...what lease payment should I expect? 36 months 7500 annual miles Sales Tax is 7.75%
$4440 Down Payment
Thank you for your help in advance—
I found a new 2018 Mercedes g63 list price $154,151...selling price $139,151...what lease payment should I expect? 36 months 7500 annual miles Sales Tax is 7.75%
$4440 Down Payment
Thank you for your help in advance—
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Rates from MB Financial Services are between 5% and 8%. The 3 and 4% days are gone.
places
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I looked into it briefly, if I recall payments were around 2K for 39 months. Money factor is high, I purchased. Made better sense.
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Google "lease calculator" pick a website and put in the numbers. This will give you a general idea of the monthly payment.Originally Posted by CDHG63
Hello All-
I found a new 2018 Mercedes g63 list price $154,151...selling price $139,151...what lease payment should I expect? 36 months 7500 annual miles Sales Tax is 7.75%
$4440 Down Payment
Thank you for your help in advance—
I found a new 2018 Mercedes g63 list price $154,151...selling price $139,151...what lease payment should I expect? 36 months 7500 annual miles Sales Tax is 7.75%
$4440 Down Payment
Thank you for your help in advance—
Wolfman
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Call the dealer and ask for the residual on 36/7500 for the MY18. This is a fixed, non-negotiable rate that is set by MBFS (they review every 60 days and update as needed).
The MF rates without markup were listed like this:
A1 = .00260
T1 = .00290
T2 = .00320
but I believe it is actually:
A1 = .00250
T1 = .00280
T2 = .00310
So Tier1 would be 6.72%
While everyone gets exited over MF, the residual is the number with the much larger impact on payments. The good thing is that the dealer has no influence over that.
You need to confirm both MF and residual with the dealer before you can use a lease calculator.
Dealer will likely mark up the MF to offset discounts on the car. Financing is yet another income stream for the dealer.
Hope this helps!
The MF rates without markup were listed like this:
A1 = .00260
T1 = .00290
T2 = .00320
but I believe it is actually:
A1 = .00250
T1 = .00280
T2 = .00310
So Tier1 would be 6.72%
While everyone gets exited over MF, the residual is the number with the much larger impact on payments. The good thing is that the dealer has no influence over that.
You need to confirm both MF and residual with the dealer before you can use a lease calculator.
Dealer will likely mark up the MF to offset discounts on the car. Financing is yet another income stream for the dealer.
Hope this helps!
Quote:
The MF rates without markup were listed like this:
A1 = .00260
T1 = .00290
T2 = .00320
but I believe it is actually:
A1 = .00250
T1 = .00280
T2 = .00310
So Tier1 would be 6.72%
While everyone gets exited over MF, the residual is the number with the much larger impact on payments. The good thing is that the dealer has no influence over that.
You need to confirm both MF and residual with the dealer before you can use a lease calculator.
Dealer will likely mark up the MF to offset discounts on the car. Financing is yet another income stream for the dealer.
Hope tyou ...his helps!
Thank You...This is exactly what I needed...CheersOriginally Posted by Wolfman
Call the dealer and ask for the residual on 36/7500 for the MY18. This is a fixed, non-negotiable rate that is set by MBFS (they review every 60 days and update as needed).The MF rates without markup were listed like this:
A1 = .00260
T1 = .00290
T2 = .00320
but I believe it is actually:
A1 = .00250
T1 = .00280
T2 = .00310
So Tier1 would be 6.72%
While everyone gets exited over MF, the residual is the number with the much larger impact on payments. The good thing is that the dealer has no influence over that.
You need to confirm both MF and residual with the dealer before you can use a lease calculator.
Dealer will likely mark up the MF to offset discounts on the car. Financing is yet another income stream for the dealer.
Hope tyou ...his helps!
Member
Paying 6.5%+ to borrow money for a car lease when you can pay 1-3% on a purchase doesn't seem very smart to me. Never buy a car based on the payment - that's what stupid 23 year olds do.
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Quote:
One could argue that Purchasing/Leasing a g63 isn’t very smart in the first place...most autos are depreciating assets and represent a poor financial choice...that being said...There are some advantages to leasing that in the case of the g63 include an agreed future value...while the current generation g63 has done quite well with future value...the last 60 days have seen the values of the current (not 2019 g550/g63) rapidly decrease. With the release of the 2019 g550 and imminent release of 2019 g63...the forecast for used values of a 2018 g63 would appear to be declining...My CPA helps me make the final determination of purchase vs lease...CheersOriginally Posted by twist-a-grip
Paying 6.5%+ to borrow money for a car lease when you can pay 1-3% on a purchase doesn't seem very smart to me. Never buy a car based on the payment - that's what stupid 23 year olds do.
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A very limited view... There is no right or wrong way to do this. Everyone has a different scenario that will work for them and that doesn't mean it's income/age-based. After all, we are discussing a G-Wagon Originally Posted by twist-a-grip
Paying 6.5%+ to borrow money for a car lease when you can pay 1-3% on a purchase doesn't seem very smart to me. Never buy a car based on the payment - that's what stupid 23 year olds do.
In our case, we used to buy outright but now switch cars every two years; tech just moves too fast. To me, there is no pride in owning a quickly depreciating asset and tax-wise leasing beats purchases for our business...
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Quote:
In our case, we used to buy outright but now switch cars every two years; tech just moves too fast. To me, there is no pride in owning a quickly depreciating asset and tax-wise leasing beats purchases for our business...
My comment doesn't make any assumptions of the OP's financial situation. He came on here asking about a lease payment which tells me he isn't very experienced with leases or else he would know what to research and figure it out himself. You pointed out that the interest rate is 6.72% for T1 credit and I thought I'd help the OP out by alerting him that buy rates are way better. It's quite obvious we have a different view based on your comment that you don't see why everyone gets worked up over the MF when the residual is what impacts the payments - if I'm not paying cash for a car, the ONLY thing that matters to me is the interest rate. Originally Posted by Wolfman
A very limited view... There is no right or wrong way to do this. Everyone has a different scenario that will work for them and that doesn't mean it's income/age-based. After all, we are discussing a G-Wagon In our case, we used to buy outright but now switch cars every two years; tech just moves too fast. To me, there is no pride in owning a quickly depreciating asset and tax-wise leasing beats purchases for our business...
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With MF where it is, buy vs lease payments are too close not to purchase. I saw very little difference in the payment numbers, it was few hundred.
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My point may have been lost. To me, it's neither about the interest or payment amount. If you plan to keep the car for a significant amount of time, buying always makes sense. If you keep the car for only two years only, you will loose money. Even with zero interest rate or outright purchase, there is typically a loss. While the G-Wagon maybe different, most MB's loose more in value than the residual stated in the lease. You will simply loose more money when purchased...Originally Posted by places
With MF where it is, buy vs lease payments are too close not to purchase. I saw very little difference in the payment numbers, it was few hundred.
For business/tax purposes, leasing is better under most circumstances than a purchase. Trucks are obviously better than cars, but still.
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Hmm. You will only know what the car cost you after you disposed of it. Simple math. I have lost more money on MB's with outright purchases than leases. Low interest rates do nothing but give you a sense of getting a good deal on the financing, nothing else...Originally Posted by twist-a-grip
My comment doesn't make any assumptions of the OP's financial situation. He came on here asking about a lease payment which tells me he isn't very experienced with leases or else he would know what to research and figure it out himself. You pointed out that the interest rate is 6.72% for T1 credit and I thought I'd help the OP out by alerting him that buy rates are way better. It's quite obvious we have a different view based on your comment that you don't see why everyone gets worked up over the MF when the residual is what impacts the payments - if I'm not paying cash for a car, the ONLY thing that matters to me is the interest rate.
Quote:
You have an interesting way of providing information and assistance. Your responses suggest that I am possibly a “stupid 23 year old” or very inexperienced with leases....the facts about me....First, I already enjoyed my 20’s, my 30’s were pretty great a well. And with my family and children, thoroughly enjoying my 40’s...not 23, but I would enjoy traveling Europe again....great year for sure. Next, I have leased many vehicles for my companies and purchased many as well...As the tax code provides certain benefits for leasing vs buying (section 179)...leasing has become attractive since I may dispose of the vehicle within 36 months...if the vehicle outperforms its’ expected residual value, I may purchase at lease end. Originally Posted by twist-a-grip
My comment doesn't make any assumptions of the OP's financial situation. He came on here asking about a lease payment which tells me he isn't very experienced with leases or else he would know what to research and figure it out himself. You pointed out that the interest rate is 6.72% for T1 credit and I thought I'd help the OP out by alerting him that buy rates are way better. It's quite obvious we have a different view based on your comment that you don't see why everyone gets worked up over the MF when the residual is what impacts the payments - if I'm not paying cash for a car, the ONLY thing that matters to me is the interest rate.
I was asking for some insight to the MF people are seeing at the MB dealers in the last 30 days...I try to see what is happening in the marketplace before going to any dealership...In Santa Monica, our dealers are less honest and a bit greedy and typically add the “SoCal” tax to anything and everything...
Cheers
Quote:
For business/tax purposes, leasing is better under most circumstances than a purchase. Trucks are obviously better than cars, but still.
Originally Posted by Wolfman
My point may have been lost. To me, it's neither about the interest or payment amount. If you plan to keep the car for a significant amount of time, buying always makes sense. If you keep the car for only two years only, you will loose money. Even with zero interest rate or outright purchase, there is typically a loss. While the G-Wagon maybe different, most MB's loose more in value than the residual stated in the lease. You will simply loose more money when purchased...For business/tax purposes, leasing is better under most circumstances than a purchase. Trucks are obviously better than cars, but still.
Well Said—-Cheers
Member
Quote:
But we're not talking about all MBs - we're discussing G63s. I've owned 3 G63s and a 4x4 and came out way better paying cash or financing than leasing. And, if you buy your G at the end of the lease because it's value is way better than the residual (like the G63 has been for years) - you lose the tax benefit of leasing.Originally Posted by Wolfman
Hmm. You will only know what the car cost you after you disposed of it. Simple math. I have lost more money on MB's with outright purchases than leases. Low interest rates do nothing but give you a sense of getting a good deal on the financing, nothing else...
If you don't factor the cost to borrow money as more than giving "you a sense of a good deal", then you're an idiot.
Member
Quote:
You have an interesting way of providing information and assistance. Your responses suggest that I am possibly a “stupid 23 year old” or very inexperienced with leases....the facts about me....First, I already enjoyed my 20’s, my 30’s were pretty great a well. And with my family and children, thoroughly enjoying my 40’s...not 23, but I would enjoy traveling Europe again....great year for sure. Next, I have leased many vehicles for my companies and purchased many as well...As the tax code provides certain benefits for leasing vs buying (section 179)...leasing has become attractive since I may dispose of the vehicle within 36 months...if the vehicle outperforms its’ expected residual value, I may purchase at lease end.
I was asking for some insight to the MF people are seeing at the MB dealers in the last 30 days...I try to see what is happening in the marketplace before going to any dealership...In Santa Monica, our dealers are less honest and a bit greedy and typically add the “SoCal” tax to anything and everything...
Cheers
So you're in your 40s and you've "leased many vehicles for my companies" but your accountant is making this decision? I was just trying to help you make a smarter decision based on the G63 and its current lease rates. Sorry and good luck.Originally Posted by CDHG63
You have an interesting way of providing information and assistance. Your responses suggest that I am possibly a “stupid 23 year old” or very inexperienced with leases....the facts about me....First, I already enjoyed my 20’s, my 30’s were pretty great a well. And with my family and children, thoroughly enjoying my 40’s...not 23, but I would enjoy traveling Europe again....great year for sure. Next, I have leased many vehicles for my companies and purchased many as well...As the tax code provides certain benefits for leasing vs buying (section 179)...leasing has become attractive since I may dispose of the vehicle within 36 months...if the vehicle outperforms its’ expected residual value, I may purchase at lease end.
I was asking for some insight to the MF people are seeing at the MB dealers in the last 30 days...I try to see what is happening in the marketplace before going to any dealership...In Santa Monica, our dealers are less honest and a bit greedy and typically add the “SoCal” tax to anything and everything...
Cheers
Wolfman
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If you don't factor the cost to borrow money as more than giving "you a sense of a good deal", then you're an idiot.
I guess you are having issues reading. I would also suggest to take it easy on your attitude.Originally Posted by twist-a-grip
But we're not talking about all MBs - we're discussing G63s. I've owned 3 G63s and a 4x4 and came out way better paying cash or financing than leasing. And, if you buy your G at the end of the lease because it's value is way better than the residual (like the G63 has been for years) - you lose the tax benefit of leasing.If you don't factor the cost to borrow money as more than giving "you a sense of a good deal", then you're an idiot.
You do what you feel is right for you and let others do the same.
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Yeah, I'm pretty good at reading. If you can't handle my opinions and attitude defending my opinions - move on and go play in the E Class forum.
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OK. I guess you are a bit dumber than I thought. Originally Posted by twist-a-grip
Yeah, I'm pretty good at reading. If you can't handle my opinions and attitude defending my opinions - move on and go play in the E Class forum.
The OP asked for specific info; you provided some opinion and commentary nobody asked or cared for.
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OK. I guess you are a bit dumber than I thought.
The OP asked for specific info; you provided some opinion and commentary nobody asked or cared for.
Thank you for contributing intelligent input for the benefit of the forum...I tend to give people the benefit of the doubt when they insult or attack someone without any real provocation ..possibly they are under severe stress or experiencing problems that are creeping into other parts of their lives...My parents taught me, by example, to treat people with respect...on a high note....I saw 6 2019 G63’s in person yesterday...Looks great in person and sounds better than my 911...might be quicker as well...My “old” G63 that I have truly enjoyed has some competition for garage space.....lol. Cheers everyoneOriginally Posted by Wolfman
OK. I guess you are a bit dumber than I thought.
The OP asked for specific info; you provided some opinion and commentary nobody asked or cared for.
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Thank you for contributing intelligent input for the benefit of the forum...I tend to give people the benefit of the doubt when they insult or attack someone without any real provocation ..possibly they are under severe stress or experiencing problems that are creeping into other parts of their lives...My parents taught me, by example, to treat people with respect...on a high note....I saw 6 2019 G63’s in person yesterday...Looks great in person and sounds better than my 911...might be quicker as well...My “old” G63 that I have truly enjoyed has some competition for garage space.....lol. Cheers everyone
Agreed. This was a rare comment for me. Love to hear what you end up with. Keep us posted!Originally Posted by CDHG63
Thank you for contributing intelligent input for the benefit of the forum...I tend to give people the benefit of the doubt when they insult or attack someone without any real provocation ..possibly they are under severe stress or experiencing problems that are creeping into other parts of their lives...My parents taught me, by example, to treat people with respect...on a high note....I saw 6 2019 G63’s in person yesterday...Looks great in person and sounds better than my 911...might be quicker as well...My “old” G63 that I have truly enjoyed has some competition for garage space.....lol. Cheers everyone
