Author: 00c12f

Hello, I have been playing for a long time with the idea to buy a new car, especially the Golf 7 GTI. The vehicles interesting for me have running performance around the 60-70t. KM and are built in 2017 and newer. I would not pay the purchase price of approx. 20,000 € at once, but part financing. My planning would be as follows: Purchase price: 20,000 € down payment/sale: 10,000 € remains a difference of 10,000 €, which I would finance. Since I don’t like to be tied for a long time, credit calculators on the Internet spit out a monthly rate of approx. 290€ at 36 months of maturity. My net income is around 1900€. From January 2023 it is 210€ net. With my current income and my way of life I currently have 500€ per month, which I save/invest. I don’t have any other loans at work. I would also like to say that I still have a financial cushion after the deposit, which means that I don’t have any other loans. So I wouldn’t be down to zero. 😉 Now I’m looking forward to your experiences and assessments. Do you think all this is realistic or do I take care of myself? Since it would be my very first financing, I’m rather overcautious here. Finally, I want to add that I can easily carry out the typical maintenance work on the car (brake change, spark plugs, filters, etc.) myself. Thank you in advance! Greetings

Since the used car prices are currently so crazy, I think about ordering a new car. The current car is paid and will probably drive a few km without any problems. Therefore we have no pressure when the new one will be delivered at any time. I set myself up for a delivery time of at least one year (VW dealer spoke earlier of ~ 18 months), but also did not want to wait for nothing. What possibilities does the dealer have to return from the contract to tret We have 10% inflation next year. Are there clauses in the small print that the seller does not have to deliver in “special circumstances”?

Moin, short to the initial situation: – married, 2 children, house for rent, both are permanently employed – salary is high enough (€5400 gross) with free reserve after deduction of all costs of currently around €1000 that I could use – current loans: house bank monthly approx. €390 (until the end of 2025), car of my wife monthly €170 (until the end of 2024) – still running car leasing (until May 2023): €160 – Schufa is with me at 97% no negative entries Have now an offer of Skoda for a Kodiaq RS, kos At present, however, the delivery time is about 12 months, so that my down payment could be at 14-16k at the beginning of July 2023. So net income of approx. €36-38k. If I now conclude the purchase/financing agreement, then when will the financing be “valid”? Is everything triggered about 12 months before the delivery date? So income, employment contract, Schufa etc.? Are the two loans and the leasing “too much” u m another financing that would only start in 12 months?

Hello community, I need your help. I need a family car. What I could pull out of my pocket would be in the range 20k. I don’t drive much: 10k a year. The car would be insured in the underground car garage and with all-inclusive. I searched for a long time and even thought about new cars Kia and Co.. In the end I landed at used 3 Series GT, directly from BMW, means: about 30-50 Tkm on the speedometer and BMW warranty. I even had a test drive and find the car great: spacious, fits in my garage and looks nice. The problem is that even the 320i start with ~30k. My wish car, which would be really fun (from the engineization and equipment) would be more 35-38k. Now I think about whether I buy it and (logically) finance it. I have the reasonable rates with the credit with the closing rate. But somehow it seems strange to me: spend the money + pay each month + still remain guilty. On the contrary, one can say that a well equipped r 330i or 340i, which is still fully insured and is in garage, would not cost 0 in 6-8 years (with my mileage still under 150tkm) and possibly even more than my final rate. It can sound stupid to buy something that you can’t pay out of your pocket, but would it be reasonable to buy an older or cheaper car without financing and then get scrap at the end or invest a lot in the repair, I don’t know. So purely financially, abs even from comfort. Need a couple of experiences..