It's 62% @12K and 60% @ 15K. I just saw the sheet this morning. There extending the lastest plan until the end of the month if you take delivery by Dec 31st. Watch the Money factor also it should be .0036 or 8.64%. I had one dealer try to sneak a fast one on me at .0039. It adds up on the payments and goes straight to their pocket. Ask to see the rate sheets. If they won't show them there hiding something. new 530iA with sport package. The salesman tells me the residual for this car after 3 years is 55%. Does this seem low? Do dealers negotiate on the residual so that you can have lower payments? Any thoughts would be appreciated.