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Does anyone know if the base money factor is set by BMW and if it changes based on your credit score or the model in consideration? For example, I know the base mf is currently .00113. I also know that it can be lowered with multiple security deposits. Can it also be lowered if the buyer has a credit score close to 800 and very low debt to income ratio? Just curious since the loan interest rates change based on the buyers financials. Thanks.
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