Category: Auto-Finanzierung Forum

Hello dear people, I have a small company (intermediation agency / company form e.K.). The headquarters of the company is also at the same time my private address (home office). The annual turnover is at the time about 20,000,00 Euro, the profit is relatively low, about 13.000,00 Euro. Since I only carry out placements and work 90% from home, thus also hardly any service journeys will arise and I will also privately rather little drive, approx. 5000-10000 KM per year. However, I do not want to drive more privately than professionally! Travels from the apartment to the workplace are completely eliminated there (home office)! Now I would like to buy a small new car (Ford Fiesta). It is a (new car) Eu vehicle with daily registration. The car has 10 KM on the Tacho and has been registered for the first time in Oct. 2014. The purchase price is net 6,932,77 + (19% VAT) 1,317,22. The current list price is € 11,675,00 incl. VAT. If I would allow the car (full cascade + partial cascade with SB) to the company, I would have to reckon with about 1.090,00 € per year in insurance costs, private with only 910,00 €. The car tax is at 70,00 € per year! Since the car is new, still has 2 years factory warranty, and in the next 2 years probably no repairs, inspections, Tüv, Asu, etc. will occur, then probably also no further costs arise. In view of my situation, buy the car privately and allow it to be used commercially, or whether I should buy the car on the company and choose the 1% rule??? My tax advisor advises me to buy and register the car on the company and choose the 1% rule!!! But can I do that at all so easily? I can’t yet assess whether I will use the car more professionally, or privately, is certain, I will hardly use the car and we will not be able to In addition, the 1% rule can only be used if the professional use is more than 50% of the total use. This can be done either on the basis of a representative period of 3 months, during which the use must be broken down privately and professionally, which corresponds to the documentation of a travel book, or on the basis of a longer period, during which the use depends on dates, and intended private and professional use. Another disadvantage is that I can sell the car out of the company’s assets, only with a warranty of 1-2 years to private individuals, no matter how old it is!! What do you think, in my situation, is the best solution for me, in order not to get problems with the treasury and in order to obtain the highest possible financial and tax advantage to the treasury? Is my tax advisor right, or do you see it differently!? thank you for your help and for your efforts!!! 😉 Greetings Jupp 😉

Hello Sorry should this not fit in here am new ??. It’s about which I would like to finance a car around 700€. The car is already in view. I am 19 years old and do an education in the hospital until 2017. I earn 732€ net and my child benefit of 184€ together I have 916€. I would like to run the financing 36 months so that I have paid the car until the end. Would I get a loan if my mother as co-applicant or B She is a retired woman and has around 1500-160€. I live with my parents free of charge and only have to pay my mobile phone contract and gym. It is also not a new car or similar so please not be so negative. I know there is a lot of responsibility etc. Is thank you already for the answers ??

I think there were already several problems, but I haven’t found the right Google search word combination yet to find an answer. I live with my friend and son for rent. Each of us works and we also earn about the same amount. Now my old car is already slowly scrapped after 15 years and we want to buy a new car. Theoretically I can finance this alone, but then I would have almost no “pocket money” left. So my friend would in 1/3 participate in the monthly rate (not in the deposit). But now the question is, what do we do in the event of a separation? We already had some ideas, but none of which was really satisfactory for both parties. On the Internet I also did not find much helpful, even when I extended the search to real estate (since many are facing the same problem). It might be worth going to the notary and setting up a contract, but with an aut o should hardly pay off. So how should we proceed to secure both of us? I am grateful for suggestions or further links.

Hello specialists, I use a company car which I am taxed at 1%, I do not keep a travel book. In our company, however, it is “gentlemen agreement” that the fuel card is not used on holiday. This of course reduces my monetary advantage, the tax office assumes that the flat-rate 1% taxation covers all the costs of the car. Question: Can I deduct these self-paid fuel costs from the tax (or has someone ever done so? In this case, it is not possible to do so in the same way as in the past.

according to § 3 para. 1b UStG, a person has taken his vehicle from the company’s assets at the beginning of the year in order to transfer it to his private assets. the person is liable to VAT and has also bought the car with VAT and asserted the pre-tax. how does he record this and how should he record this in his account? how should he handle the VAT? would he have written himself an invoice? what if he sold the vehicle to a private person? then he must do doc h do not identify or transfer VAT….

Hello everybody, I’m sorry if the topic has been raised more often. I have already tried the search function but did not find a satisfactory answer. I have the intention to buy an A3 limousine around the middle of the year. I looked at the Audi used car search and actually expected to buy a used car. Budget-wise, my pain limit is at 30, at the most 35,000 euros, whereby I would finance. With the current interest rates and A If I wanted to have the car after 4 years, then a very high final rate of >20.000 Euro would be due to a monthly rate of 300-400 Euro (these figures are all very rough). I was only interested in the fact that I configured a new car with Sixt and I was a little surprised about the result. There an A3 worth almost 50,000 Euro is offered with a deposit of 5,000 Euro for a leasing rate of 300-400 Euro. Of course, if I wanted the car after 4 years, then a very high final rate of >20.000 Euro would be Lilge. Since I don’t intend to buy the car from the feeling (but would like to keep the option open), this offer is of course very tempting. Therefore, the banal question: Where is the catch? At Audi I would never get a car of such a monetary value for this month’s rate by leasing or financing. Is the “trick” of Sixt really only the high closing rate, or is there in the end a bad awakening when returning (extremely small etc.)? I never afford the car, so be careful. Thank you for your impressions!

hello. I have a short question: my girlfriend least private an opera astra gtc. on 17 May the contract expires. on the leasing contract a residual value of 9900 euro is estimated. now my project (if possible): the vehicle has a value of approx.13500 euro in private sale. does my girlfriend now have the right to buy the astra to these 9900 euro, which are specified in the contract? because then one would simply sell it again and would have around the 3000euro. thank you

Hello together, I will soon finish my training and start a job and how it is, you earn a bit more and can thus afford a car. I would now have a few questions, I am 22 years old in 2 weeks and would then like to buy a car after that also (pay off). Now my question is how I’m best standing there, if I run the car over myself or run over my dad on the already 2 cars or my mom on the no The insurance company itself said that I won’t be able to take advantage of the fact that my dad is a policyholder until the age of 23… Then I have one more question, on which factors it depends, how much the insurance amount and the car tax of the respective car is? Are there cars that are particularly cheap/priced? To get this straight to the point: I haven’t decided on a car yet, but it’s clear: I don’t want a Fiat Panda o I would invest around 8000EUR and I want a car, which is cheap in the insurance / Kfz, is reliable and looks good. Do you have any ideas? =) Thank you already for your answers!

Hello friends, I have recently had a sum of €750, which I would like to invest on the capital market as an investment period of 3 years. The reason for this is that I sold my old car, and now what lease. In order to have enough money available for a deposit or special payment in 3 years with a new lease contract, I wanted to invest this sum. I would be willing to add another sum of €100 per month to this amount. However, I don’t know what the best offer for my current situation is. My risk profile is low and I prefer high collateral without giving up any returns. Say 2% loss of return so that I can sleep better at night, doesn’t bother me. So….. according to my research, there are 2 banks (CreditEuropeBank & ParexBank), which offer a fixed-rate interest rate of 5% – 5.3%. What do you think about it? Are these banks seri ös? What do I do with the monthly payment? But open a daily money account and change the account every year to take the new customers subsidized offers with you? Does that even work? I would be grateful about any help Gruss

Good day, I would have some tax-related questions about leasing financing. I have already arranged an appointment with a tax consultant, but he is only back in the country from 22.08.. for this reason I inform myself externally something to make myself smart in advance :-)On the situation: I am a freelancer and would like to lease an annual car. It is about a VW Golf VI 1.2, whose total price is about 13,000 euros. What the leasing would cost me exactly, I will first I would not like to pay more than 200 euros per month. I use the car for business purposes to about 70%.The question is whether a private or a business leasing is worth it? Do I understand correctly that I can deduct the tax directly from the monthly 150 euros? (So monthly 28,50€, annually 342€).However, what does this look like with the income tax? I have a dur The average annual turnover of 25,000 euros. Can I deduct the percentage that makes the income tax from the total value, i.e. 13.000 euros, of the vehicle? At 10% income tax, for example, this would be 1300 euros, which would give monthly 108, which I could theoretically deduct from the monthly “rent”? (Heats, I would pay only 42 euros instead of the 150€ monthly?) I don’t know if I have a mistake in thinking somewhere. One thing that makes me think is the 1%-re Since I use the vehicle 70% of my business I can either keep a travel book (which I want to avoid) or hand in 1% of the 13,000 euros. That would be 130€ incl. VAT per month. So we would be back at a monthly amount of 172€. Does the invoice make sense or did I get something wrong somewhere? For answers I would be very grateful. The tax system makes me really good! 😀 Many greetings and in advance a nice weekend to all!