Category: Auto-Finanzierung Forum

hall, bin azubi and would like to buy me now a car for 9500 euro have saved me now 2000 together and want to know if someone has already had experience with it. have used the loan calculator at citibank and there has come out that that would not be a problem my monthly net salary is: 380 euro training allowance 154 euro child allowance 200 euro semi-retirement you can specify the license as safety if there are problems? and yes I thought about it well if my training ends and I haven’t found anything my mother would take until I have the monthly rates that lie at about 200 euro! now the question is if this looked so easy in the inet and I will come to the bank tomorrow to take a look through the bill! hope for quick and helpful answers MFG mmastermm

Hello together, I hope you can help me! I bought a new polo about a financing last Friday! It was also great and I was satisfied. Today I got a call in which it was said that the seller forgot to charge the transfer costs. About transfer costs was never talked about. The transfer costs amount to 750€ (which seems a lot to me). He told me he can grant me the permission (160€) and instead 750€ transfer costs n he would charge me for 500€! If I don’t want to, he can also withdraw from the contract and the contract “break it up”! I don’t have the car if that’s still important, it was planned for this week! How would you behave? Is he himself responsible and has to worry for the car coming into your car dealership and taking care of the costs? Can he just withdraw from the contract? I’m happy about your answers and thank you!

I have an offer from my company for a company car (BMW X1 20d). New price is around 39,000 €. Currently I drive a 13-year-old Toyota Yaris XP9 1.3 VVT-i which now has almost 213,000 km on the clock. my easy journey to work is 53 km (which, I see, is unfortunately the biggest batch). My current gross salary is 3790 €. In addition to the company car I would get a salary increase of almost 400 €, so that the new gross profit of The company pays for the costs, i.e. full-leasing model + fuel (currently approx. 220€ per month). With the computer on the net I come to almost 1000€ (40€ 1% of the new car price + 612€ for the kilometers) more gross that I would have to tax, which is a very nice amount. If I don’t take the car, I think I can increase my gross salary by 200-300€, so that I come here to about 4500-4600€. In this case I would my Yaris n Continue until he gets to his knees and would have more net in the meantime. How do you see this? What do we do for her or your recommendation? Thank you

Good evening, in October last year I financed a car i.H.v. approx. 17,000.00€ via the BDK. Recently I asked myself how this works, if I want to sell my car even though the credit is not yet paid. Bzw. if the sum of the payment does not compensate the remaining open amount. How do the car dealer/car dealer handle? Solve the complete amount at the bank and then run it on the new credit or how can I understand the hen? I am happy about helpful answers. Lg, xDWx

Hi, I am self-employed and have my car on lease for 3 years (from the end of 2017). My private share is < 50%, i.e. car is in the company's assets and I will probably expect the 1% rule. Just 6 months after the lease agreement I got a great job offer, i.e. I am now thinking about continuing as an employee again (from mid-2018). What would that mean for my lease? Can I charge the first 6 months with the 1% rule? I also have 30% al s Deposit paid in 2017, so I expect a nice tax reduction for 2017. Would there be problems with recognition, even though I was self-employed throughout 2017? Thank you in advance!

Hello people, I have a question about the discount as a heavy-disabled person. It is about a Chevrolet Orlando. The dealer offers this car as a demonstration car for 19,95€ with 700km. At the same time there is a discount of 24,5 % for severely disabled people. On my demand, as then the final price would be, 19,700€ was mentioned to me. The price comes from the list price – the shear-disabled discount. (26,610 list price) If I calculate this, it also fits. However, the discount would be only ridiculous 250 The discount could certainly have been traded out like this. What has the car dealer about if he sells the car with this discount? Will he get this discount back somewhere? A car dealer doesn’t do this for the pleasure of a severely disabled person, but the business has to be right. I wonder about the background of these discounts. Should it be that the dealer is entitled to a refund by this discount, since n he would do a great business with this example above. Can someone tell me about it? Thank you very much

Hello dear forum, I have a few questions. I have to have a car financed, which costs approx. 1500€. But I have no proof of income, I am not working. Now a colleague of mine said that if I want to buy a used car from a dealer and that I finance it at a car bank, I get the car financed, if I make a deposit of at least 30%. I would also be able to pay 500€ immediately. I have smart on the internet times g I wanted to ask if someone knows a bit better and if this is really the way he said it in practice? Because on the Internet the car bank also has a very big security in the vehicle when the deposit is over 30% and that is granted automatically. In addition, it was said that it doesn’t matter if negative Schufa entries are present, if the deposit is correspondingly large, because of the, how on already mentioned, safety in the vehicle. I would be happy about opinions and hope that I can manage to finance the car. Thank you

Hello, this time it’s not about me personally, but about an acquaintance of mine. But also about the basics in the granting of a loan. The following: My acquaintance has been working in a company for about 15 years, but will start a new job on 01.07.2018. She then earns just as much, however, as with almost every job change, is only once for 6 months in the probation period. So the probation period survived in January 2019, after that she has an indefinite contract. It is not possible for a probationary period and it is not advisable to take out a loan. These 6 months would still survive them with their current car. The car is old, but still has TÜV until March 2019. After that, it is planned to go to the scrap yard. The purchase of a new car is planned at the latest in March/April 2019, after the old car has been “disposed”. The new car can cost around 20,000€, but in one stroke it can pay at least 12.00€. In March/April, the trial period would have been over for a good three months. What are the chances that she will get a loan for car financing at this time? Everything else is, of course, consistent, so Schufa score, etc… Thank you very much

Hello together, we finally decided to buy a new car and found a car that we liked very much. Price performance is right. So now on the problem: the buyer is still financing the car through the BMW bank, so he doesn’t have a car letter yet. He showed us the replacement contract with the remaining amount. At the beginning we wanted to handle it so that the bmw bank sends the car letter to a bmw dealer and we both meet at the dealership. ndler, i.e. car and letter for money. However, the seller had a problem with it, due to counterfeit money and carried around by a larger amount of cash. I can partly understand. Now he has suggested us to create a purchase contract, then we go together with him to his house bank transfer the money to the BMW Bank and on the same day can take the car and the documents. He also issues us a proxy, sends power of attorney and purchase contract to the BMW Bank, after receipt of the money, the bank sends us the letter directly. Of course, we would wait until the BMW Bank confirmed to us that they have received the power of attorney. How would you handle it? Is the matter too hot for you?

Good day, I bought a car on financing last week and am momentarily considering whether there is enough space with my salary and whether it really makes sense. To me; 24 years, driving license is 7 years Monthly earnings vary between 1300 and 1400 .- Rent I do not have to pay, due to good relationship to the boss are 5 years in an apartment from Him. For groceries I pay 100 euros maximum Monthly My Monthly work path is 336 km, with free time input I am a smoker, but I usually only buy by tipping (calculate tzm 180 .- maximum monthly) – No alcohol, pets or expensive hobbies – I bought a BMW 318I from 2009 0005/ALD For the car I pay : Car taxes – 84 .- annual TK with self-interest of 250.- – 169.51 .- quarterly financing ; 1500 bar – 01. Rate to 01.06 – 222 .- thereafter 139.50 á 47 months ( Have the option to set up the contract later if I Note that there is enough money left at the end of the month) + In the contract with is also included an insurance for unemployment/inability as well as death case and 12 months warranty on any defects except electronics. Just as I calculate everything I have at the end of the month 684,50 remaining my questions are 01. If my invoice comes to about 02. How much should I put at least monthly at, for possible car reperatures and emergencies I would be happy about your answers MfG