How do I obtain the residual value on a lease? Unfortunately the only source for the actual lease residual is the dealership. The residual value will also appear in the disclosure section of your lease agreement.
We recommend comparing the residual from the dealer to the values in the National Auto Research "Black Book" Residual Guide. By looking at the difference between the residual set by the leasing company and Black Book's residual, you can get a feel for how aggressive the lease terms are. Typical residual subsidies range from 0 percentage points (no subsidy) to 10 or 11 points (very aggressive) over the Black Book number. Black Book residuals are included as part of Chart Software's Expert Lease Pro (see below).
Which is better, a high residual or a low residual? All other things being equal (vehicle price, money factor, months, miles and fees), a higher residual should result in lower monthly payments and total cost of the lease. In spite of what dealers say, it's rarely - if ever - cheaper to lease first, then buy the car at the end, so if you're going to lease, be sure to lease the smart way: Aim for low monthly payments that result from a very aggressive, subsidized residual. Then, at the end of the lease (if you still want to buy the vehicle), negotiate for a price that is significantly lower than the inflated residual/purchase option price. If the leasing company won't budge on the price, turn in the keys and walk away.
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