redwings_patriots wrote: ↑ Assuming 1% residual value reduction each month (not sure if this is a good assumption) and no interest rate reduction and no Feb incentive, my monthly will go up 5%. I don't like it. Is there a way to game the system to get the most beneficial outcome?
I had 10x SD on my current SQ5. I deposited my monthly payment x 10 and received a 1.5% rate reduction.
Hard to say what Audi FS will do comes February. Typically, residual is adjusted once every couple of months. If not, then Audi FS will adjust slightly more the next time around. But to keep the payment $ relatively stable, they may introduce rate adjustment and/or factory credit. I guess you will have to wait and see. No dealers will guarantee the rate unfortunately as it is what it is on the month of delivery. The only protection is for you to write a condition into the agreement that you are entitled to any factory credit $ on month of delivery so that dealer does not steal that money from you.