Dealer take: 5-10% off of the whole package (combine + two heads).
Most purchases can be had for 20-25% off list, if dealing in cash like me. There may be finance incentives when going with the brand's own finance company that may reduce interest but up the purchase price slightly for an overall reduction in cost. Roll-over's only look good on "your piece of paper." I stand clear of roll-overs and machinery from them.
I'm with muddy. 20-25% under list price for cash. CIH will add about $5,000 to the price of the combine to finance with them. I don't know where CIH is with interest right now, but I was told they were at 10% a month ago.
I was also told CIH will not guarantee what interest rate you will pay when you place the order. The interest rate is set at the time of delivery. Scary.
Deere will guarantee the interest rate at time of order will be the maximum you will have to pay.
bent is correct. The interest I was quoted when i signed the order ( & took to my banker to cashflow) on my 7010 didn't mean anything to mother Case at delivery time!?! My dealer had never encountered this before in all the years he dealt with them. I was livid & he wasn't happy either! We told Case to stick it & went with Farm Credit. It cost me another half a % but to me it was the principle of the shady deal! Anyway I learned a valuable lesson,have EVERYTHING spelled out & in writing so both you & the dealer understand it!! But after running the 7010 I've forgotten that hiccup!
If you take list less 23%, that is dealer invoice. Same is true for Deere and Agco. Cash discount varies but is currently 2% of invoice (Nov. program). 5 year rate for CNH credit is 7.9% and can be guaranteed but you give up the 2%, not the best rates. You have to add freight and set up to dealer invoice to get true cost and dealer tries to make a little on top of that. Not too many other discounts now because most production is spoken for.
Plainview1 , Your comments are exactly how I have always understood it since 1995 multiply any list price by .77 then add freight and set up. subtract any dealer programs ( or add sometimes) to come up with dealer cost. then don't forget to give him some profit say 5 to 10% and if he has to floor plan your trade that can cost him up to 5% of the trade in. Even if he sells it for list price sometimes that is not a huge windfall. No farmer would ever give a dealer 'list price' lol