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lets say you want to lease a new bmw 3 series because you like cutting people off and the msrp is 43 250. if you lease one for three years you can expect to pay about a 500 monthly payment now this video is more about how to reduce your monthly payment by using something called refundable security deposits that most people dont know about so essentially some manufacturers allow their clients to lower the interest rate on their lease by doing so essentially you put money up front to get it back at the end of the lease but in the meantime you save a lot of money let me show you how much by putting 3 500 upfront you lower your interest rate and your payments go from 500 to 465 a month and you actually save about 125 over the course of your lease which by the way is about a 10.5 percent return on your money annually so the next time you lease a car consider asking them if they take refundable security deposits and have fun cutting people