Category: Auto-Finanzierung Forum

Good day community, I already had a question about a Bmw’s which I wanted to buy and then left it because of age and contract clauses. Now I bought a car BMW 318I – 2009 BJ – 105.000 Km – 0005/ALD – CH at Bmw cared – The purchase takes place on guess and price was agreed on 7800 euros ( 8.999 Inserted, small scratches on rims and inside space have lowered the price ) The car was bought with the knowledge that he still Rep It had to be arranged because the trunk sensor did not go wait after 10 days and the fix of a cable break in the trunk lock it was then finished ( today ). So get keys, go into the car and make a small spritz tour.. After just 80 km the car started to flaps ( During the test drive it was quiet and the first 80 km also ) I stopped and pressed a little bit on the gas and the noise became louder the stronger I pressed on the gas (the noise came to my opinion ns to from the front, center) So with folding noises to the car dealer (where he only clapped up in 2 aisles ). The car dealer said that it is probably due to gearboxes or camshaft, that I should leave the car there for a few days and drive his Mondeo so long. Now to the question, how do I know best if after the few past days the car is in an optimal condition and was not felt (see other workshop?) I finally got not bought an almost 8,000 Euro car to have more problems with it than with my old one. How long did he have time to fix it and did I look at more than just an exchange car or since I have already paid 14 days car taxes + TK I can tell him that he should meet me something or would it be rude, because he already has the collusion and took the car directly? And on their homepage the car was aged 8 times but was advertised without two I’m happy about every answer MfG gave to me ( didn’t think about it when I picked it up ) should I talk to him normally and how could I prove that this is true too?

Hello experts, maybe you can help me again. I received a letter from the bank today. I have to say that a car is financed there about 23 t €. Now they want in the letter the following. – Registration certificate part 2 (that is clearly the letter) – Life insurance policy – Security transfer agreement – Transfer declaration Now my first question is the life insurance policy necessary? I only have one over 15,000. g. Can it be that it was out of the oral conversation, because I said a life insurance and would like to take that out in the RSV? (I only saw at home that she “only has 15,000 coverage). The fact is that it is not NOTIG if the RSV remains like this. OR? My second question is. What is a security transfer contract? Do I have to sign this contract and put the letter with me. That means no more than it is in the possession of the car. Have I got the right understanding? And the third one is. What is a cession declaration? Didn’t I already do it with the security transfer? Did I find nothing there….. Would SUPER be if you brought some light into the dark. THANK YOU and beautiful REST WE Rene……

Hello, I’m new here and I’m very inexperienced with cars (I haven’t had my own car yet). My professional situation soon looks like I have to commute 200 km daily on the working days, mainly on the motorway. In the year this is certainly a good 40,000 km. Nobody has to ask the point of meaning, unfortunately it can’t be changed in the short term. Since I can’t decide between all the car brands and models, I wanted to ask which brand or model. which cars you would recommend at the moment. There are so many different discounts from the manufacturers. My driving behaviour looks like that, that I travel with 120-140 over the highway. I prefer a small car, which would cost less than 15,000 euros. It should be a bit cozy. I do not want to buy the cheapest car, but to make a good bargain together with at the moment possible discounts, with which I do not have to cry in 3 years, we know I have the following requirements for the vehicle: – cheap in the purchase (because I can sell it only badly at the mileage) – cheap in the maintenance – safe while driving – relaxed driving on the highway Thank you for your tips. Greeting Stefan

Hello together, does any of you know these offers of leasing vehicles without deposit at seemingly low prices? I’m just looking for a cheap 520d or larger than leasing or financing. A page on the net offers one from 03/2008 with approx.20TKM for 371,- Euro leasing rate without deposit?! I would be interested to know where the catch is? I would be completely satisfied with my 10000KM/year and then that would be a bargain price. Would I be happy if someone who with such side has experiences, could report. Thank you!! the Klaus

Hello together, the following case has happened to me: In recent years I have often replaced loans completely prematurely after a few months. I accepted the associated increased costs, or more elegantly formulated -premature compensation. A year ago, as I think, above-average earner, I wanted to take up again a loan in a manageable amount of about 10T € for an Fz financing, but despite a contribution-free and self-examined In addition, I was advised by the credit institution not to redeem this loan as early as possible so that the Schufa score could be cleared up again. Can it be common practice that my excessive payment morale has hurt me retroactively and is it really necessary to hold out the installment credit until the end of the term or is it possible that my excessive payment morale has harmed me retroactively and is it really necessary to hold out the installment credit until the end of the term or is there any Egner possibilities? Thank you for your answers. aglioolio

Hello together, am I right with this topic in the section “Finishing” at all?? From 01.01.2009 I am also available a new company car for private use or trips from the department to the apartment. The standard 1% regulation plus 0.03% of the BLP x distance Arbistst.-Whg are known to me. There I would be on an additional sum of € 7.007,40 gross p.a. (€ 583,95 per month). I also know the travel book bill by now. If I computerized the travel book method If I have a gross annual income of € 3,065,00 (that would be € 255,42) Question 1: Is it possible that I get the € 255,42 fictitious gross on my salary from the beginning and will not be subject to the 1% rule or is always only the 1% history obligatory and afterwards in the income tax declaration I can then use the tax office by way of a journey If the answer to question 1 is yes, it is the same as the travel book regulation. What extra expenditure does the accounting have when the travel book regulation is applied to me?Third and last question: rides that I make from house to house and do NOT drive into the office are these complete service trips or do I have to deduct the private Km share ?? Example: (I am a board driver) In the morning I drive to my Che f with “MEINEM” service car. At the boss I get into the luxury company sledge from our boss and drive it all day until late evening through the landings from appointment to appointment. In the evening I drive from my boss again with “MEINEM” car to home. From me to service place: 43km. From me to the boss: 145km. On that day now 145km (x2) service km have occurred or I have to deduct the km from the Whg to the workplace (2x) (which I don’t drive) ?? Should someone know what, I am for A? You’re really grateful.

moin people and a happy new year… I would have asked you a question… and that’s after I’ve shot my car I plan to buy a new one or used one like this around the 10 tausen You know it all certain … man is young you don’t pay a mobile bill and you’re already in the crea! Now my story ….. :-(( I’ve moved …. didn’t log me in…. got no post .. had it forgotten!!!! Now I have an application in the crea … which is done but which stays inside again 2 years!! Never earn less than 1500 on the hand .. I am single pay 300 rent and no more expenses … employed at BASF world’s largest chime manufacturer and refristed. What do you think I have for a cock or where I have a cock to get a financing without having to access this **credit without createda** gagg there or with which bank would be worth a request?! With the house bank we let it be .. I’m only recently at the savings bank and those who don’t know me! Still not! thank you for your answers

Hello people, I wanted to buy a car soon. Only I don’t know what makes more sense. 1. comes a new Seat Ibiza in question, 86 HP, climate etc. for about 13500 € – I would then pay 4000, for example, would have to pay over 24 months installments, e.g. 150 € monthly and would have a final rate of around 7000 €. The whole with about 3 % financing at Seat. 2. I buy a used Audi A3, built in 2002 with about 120.000 KM on the clock for 5000-6000 € also incl. climate etc. What would you do it? I mean – 13500 € – incl. credit it is around 14000 € – for a small but brand new car Or don’t even spend half on a beautiful Audi A3. How is that with loss of value? I saw a similar 2-3 year old Ibiza with around 20,000 KM you get used for about 10,000 – 11,000 €. Are also lost again in the 2 years 3,000 €… I don’t know quite further ! 🙂

Hello, was today with my Audi dealer and found there an A4 Avant 2,0 TDI with a lot of accessories. The car is supposed to cost a total of 46450€ incl. VAT. For this the seller first calculated me a leasing rate of 630€ (36 months, 30000km per year). After a short negotiation he then went down to 599€ per month. He said so almost no profit for them. Is the leasing rate of 599 (NETTO) for a car of 46450€ (incl. VAT) ok? Give the actually no discount on the list price? Would be nice for every tip, since I want to decide on Monday. MfG

Since greetings……..Have a question,so my leasing contract is still running for a good year and I would like to leave the car house where I signed the contract.So don’t talk about a new leasing contract there,now my mind is that it’s not going to be that way.From here is your car and goodbye……..That I have to come up for damage is clear to me,but would it go like this???Thank you for your answers……