Category: Auto-Finanzierung Forum

Hello, I am currently in a temporary job as JobCoach – training counseling in an educational center. The term of time is linked to the duration of the project I have supervised. Due to my temporary employment contract, I can unfortunately not finance a car, I am a single mother and do not have large reference persons who support me financially. I would like to finance a car. I would be grateful for a positive feedback. Greetings

Good evening together have a question for you, maybe someone can help me further… And this is the following: I want to sell my car to a colleague from work, for 1500€ he can not pay the sum but once because he is only a temporary worker. His proposal he gives me half this month so 750€ and the rest next month. Unfortunately I don’t know him so well that I say ok no topic, not that he says then on the car is something rough and then I stand without Pap So my idea is to keep the car letter part 2 until he has paid me the full amount. Is that possible then the car belongs to me purely legally…. Is that possible at all? That he can register it and then everything? Unfortunately, don’t know about it at all… Would you be very grateful if any of you could help me!! Greeting Freddy

Good day, on the one hand, I took a loan for my car with a family member (person X) a few years ago. I am in it borrower 2 and person X is KN 1. The car, however, I bought used at the car dealership and thus my name is in the purchase contract and presumably also in the vehicle letter 1. However, this is with the credit bank, since the bank is currently the owner of the car. 1) Now it is the case that I redeem the loan monthly and now because of S However, I was now told by the bank by telephone that they would basically hand over the vehicle letter to the policyholder 1, which would scare me a little bit, since I have to expect to get it no more (different places of residence, unfortunately bad relationship, etc) and at the registration authority possibly have to apply for a new one. Is that really so? I asked the bank again in writing, but no answer yet. I was told by telephone, but apparently I didn’t understand the “fines” of the situation: that, to my knowledge, I will again be the owner of the car after the end of the loan. 2) This would not be dramatic, but now an employee of the bank told me on a second call to the service phone that I would not become the owner of the car after the loan had been redeemed, but person X, because this person X KN 1. After having asked a colleague again, he confirmed his statement again. It seems to me, however, that something is wrong. I hope that you will find your experiences and assessments. I hope that I have described the situation well enough.

In the meantime, there are various experiences of car owners who have revoked their car loan or lease agreement with the help of the so-called withdrawal joker in order to return their vehicle. This is of course mainly interesting for owners of diesel – but basically the procedure is possible with all financed vehicles, because it only depends on errors in the credit agreements. In the meantime, it looks like the banks of the Volkswagen Group (Audi-Bank, Seat-Bank, Skod) Although they win the lawsuits at first instance, they make very interesting proposals for comparison with which one can return the car. Here are some errors described by the large auto banks. The interesting thing about the history is that one can go through the procedure largely without cost risk. Because the legal protection insurances take over the costs. And who does not have legal protection insurance, can before the revocation still a cancel This works (at least in the case of some legal protection insurances) because only the revocation of the damage arises.

Hello dear community! I plan to buy a vehicle, because my beloved car has blessed the time through an accident. By saving and the residual value of the old car + compensation of the insurance (foreign accident) I come to a budget of about 16,000-18,000€. With my current salary I can easily put away 500-700€. However, pay also no KfZ tax and insurance at the moment, therefore more 500€ per month. My dream car (used, 4 years old) -> Biggest loss in value should have happened) currently costs about 24.000€. I can imagine two variants at the moment. Either I buy a relatively cheap value stable car (5.000-15.000), drive this 1-2 years, then sell this and buy my dream car with delay Or I start a 12-18 month financing for the remaining about 6.000€ which I lack. I am aware that by financing all this will be more expensive due to the interest rates. But this is the price of A certain impatience. For this you have the car almost directly. Actually I am absolutely not a friend of such financings. One buys only what one can actually afford. But this 6,000€ seems to me not all too high risk and not very nonsense. For possible repairs I have included a small cushion, I would not be at 0 after the purchase. Has anyone had experiences? Should I rather save? Thank you for your answers.

Good evening together I would like to buy a new car in the next few weeks. After many previous vehicles that I have always paid exclusively for cash, I would like to finance a car for the first time. I have already contacted some dealers and received offers, but am I unreliable which financing rates fit to my personal situation? I know this is always very individual, however I would be happy if you would give me a few tips or opinions I’m 31 years old, I live with my partner in a rental relationship. My net income amounts to 3100€. My partner has an almost identical salary, so we get a monthly income of just over 600€. However, since the car would be in my possession, I don’t add my partner’s income. When financing the car, I would basically pay a down payment of 1200€ and the rest of the car would be In this case, however, I am very indiscriminate about how expensive the new car can be in relation to income. At the moment, with the idea of buying a vehicle in the range of 3000€ to 4000€. Then I would have a financing sum between 18- and 28000€. In the calculations, there is now the possibility to take a favorable rate, between 150€ and 250€ and to increase a higher closing rate or the rate to 300€ to 350€, with a lower closing rate. The 350€ w But I actually have my absolute limit of pain, I have the feeling that this represents a lot of money every month. But what I am surprised about is that I am being promoted from €350 to €500 everywhere, which I feel is a heavy burden, but I don’t know in what relationship this fits with my income? Please excuse my long text, I would be happy if you can give me some tips on what rate with my income can be realistic.

Hello Together, your opinion about the following situation is asked here. Everything in a nutshell: On 27.02.2003 a 3way financing at Peugeot completed, 36 months duration, 20,000 KM per month, on 08.03.2006 the car with 47,815 on the clock back to the dealer, after 2 inspections & a minimum list of defects (a defective steering rod + 2 worn summer tires), the car was bought back again by the friendly for XXX€. Deregistration by the friendly 11.20 € fee + 10 0,00€ for new TÜV & AU & 80,00€ for the steering rod, all this has been deducted from the sum of the lower kilometers. Remained are about 500€ which should go back to me. On Tuesday I learned from my insurance that my car is still registered, a call to my former friend confirmed the whole, after a conversation with the managing director came today a letter from the car dealership with a list of new defects with a total cost of 1,500€. e Community??? Greetingz Roman

Hallihallo! I ask myself again and again why many people plan to resell before buying a car. With all the other things nobody does. From toaster to TV and washing machine to their own house and its furniture, all things are generally used until you can’t use them anymore. Why can’t anyone do that with the car. Just because I use the car a lot, I want to have it the way I like it and not just any po Tential later used buyers. Or do I see something wrong? I feel like I’m only one of a few who would set up in their own car and also do so if it were completely new. Some time ago, for example, I was interested in a new Lada. I was strongly discouraged from doing so, for example, because of the loss of value. So I think, “Hello? Where did I end up?” The reasons why I don’t have the Lada now are different, but possible value differences. Furthermore, VW, Opel, BMW, Toyota etc. are practically worthless if I would repel them again. How do you see that? I’m looking forward to credible reasons to sell a car before it is useless. MfG Meehster

Moin, I know the subject doesn’t really fit here, but I didn’t find a more appropriate forum. It’s about the following: I’m thinking about buying a new car. For the moment, the manufacturer doesn’t care, it’s about the upcoming VAT increase. Most manufacturers have some discreet delivery problems at the moment, as many want to buy a new car quickly before the VAT increase. Now, however, it is known in advance that the goods can only be delivered in 2007, i.e. after the VAT increase. What will happen in 2007? Is the price simply raised and the financing/leasing simply recalculated or are the prices valid at the time of conclusion of the contract? For my feeling the prices are valid according to the contract, but I also like crazy. Greeting Ken

Hello, I bought a used vehicle and must now finance it. Can I only get money for letter (without salary certificate)? Where? The vehicle (motorcycle) is worth about € 3,500 – I need only 50% of it. Thank you for your information!