Category: Auto-Finanzierung Forum

Good evening, it is about a friend who has a question for leasing, maybe someone knows each other. She is 22J and works for the same company for 6 years, unlimited and earns 1600 gross, she gets 1100 net out. She only pays 100E rent because she still lives at home. She already has a financing purchase for 1 year, an Opel for 233€ mtl, can this disturb the additional leasing contract? It is an A3, bj 2005 and the rate amounts to 265€ mtl, it’s about her signing the contract for her boyfriend because he has an old Schufa entry, but owns a fixed employment contract 1800Brutto. She has offered the Audi dealer the first 2month rates to pay in advance and has taken her boyfriend as a citizen, although he does not possess a positive Schufa. Now she has started the inquiry at the Audi Bank and wants to know what you mean? how her chances stand? if there are problems because she has a financial purchase on her own or because of her salary? Can you talk to the bank and maybe lure you with a down payment? What do you think the contract is going through, and what is a FIRMENLEASING? Thank you very much

Hello, I have made a request to VW Direkt regarding financing for a new car. They gave me an eff. interest rate of 3.9% by telephone. Writtenly, however, I received 5.9% effectively today. This would be the end of the press discount. Is this right? After another telephone conversation, they could not tell me anything more exactly.

Hello, I’ve been busy getting myself a motorcycle for quite a while. In spring / summer I get very sorry when I hear it already. Because I had a 125 MZ SM at 16 years ago, I know of course what I lack. But when I could drive a car that was of course in the foreground. First I wanted to get a new car next year because you had ridden Vectra. He has collapsed completely in the meantime and now I’ve got quite good nstigen used ones with which I get quite well off and costs me up to the fixed costs ich further. Since the car driving in the next years will certainly not be cheaper I already got this out of my head. I do not necessarily need the youthful hype. Since I nevertheless would like to have fun I decided to get myself a motorcycle. So much for the history. I am 21 years, trained, unlimited work contract with monthly income of 1250 Euro net o. I live alone, so I have an apartment. Looking back I can say that I can leave 300-400 euros a month and all costs are covered. Unfortunately, what I had saved was heavily claimed by the car. I had thought this as follows: Purchase price is currently at 5990,- (maybe there is still something to do) I could pay 2000 euros, so stay 3990,. in the room. I have not yet inquired about the conditions. However, advertises on his website with 0.0% Financing (I guess, however, for new purchases with certain conditions) I hope, however, that the dealer will meet me on the basis of the season bissel. Oh yes, since the motorcycle is no longer built, it is difficult to get it in such a condition (1800KM EZ 04/06). Is it about a KTM 660 SMC – dream bike for me. 3990 Euro Rest 230 Euro at 2.9% at 24 months interest rate 175 Euro Rate I think I can live quite well. Did I forget something in my consideration? I know that you should rather buy a motorcycle because you rather lay down and then pay off as scrap as possible. Is it like with the cars usually financed to insure comprehensive or is a partial cascade enough? I have not yet occupied myself with that. Greetings Tobias

Heya, so I’m new here and I’ve read a little bit of something here, but somehow it doesn’t fit my problems. I, 21 years, start a training next September. The opportunity to take over after the 3 years is 98% (large and well-known company, it is planned for every trainee already with the beginning of the training a permanent job). I get in the 1st LJ 780 € gross. I am still in the middle of the driver’s license, but I am generally a person who likes very much Okay, so to my problem: Unfortunately, I’m not lucky like many, many others, that I come from a “well-being” family, my mother gets a pension, you don’t need to talk about my father, i.e. my family could not support me, neither with money nor with the registration of the car as a second car. Nevertheless, it must be possible for a young person to buy a car. I don’t have the money invested either, that’s already for the driver’s license. Now I wanted to know what I could get to a car exactly for possibilities. I have to say, I don’t have a direct wish mark or model, but it shouldn’t be a 500 Euro bowl. I’ve already been informed about leasing, but you need a guarantor. My mother would do that for me, but I don’t expect that to work with her pension, so no car dealer will be satisfied with that. I can’t be the only person who doesn’t live in the water and can expect a lot of support from his parents. Maybe there’s someone who’s been in the same situation as me now. Of course, I’d be happy about reports, and I hope you’ll come up with a few more ideas. to a car.

Dear forum, as can already be seen from the title, I think about which decision I should make for myself. I would be very grateful for your advice. In addition, a few facts in comparison, which come from personal experience. 1. Purchase – Used car (middle class) 4 years old. – Value loss in 2 years: 9,000€ – Disadvantages: Wear costs, higher susceptibility to maintenance, non-depositable (in self-employed) – Advantages: Property 2. Leasing – New vehicle (lower middle class) ) – Loss of value in 2 years: 10,000€ (leasing rate + down payment) – Disadvantages: no ownership, delivery after 2 years – Advantages: less susceptibility to maintenance, guarantee, deductible Personally, I already feel a little sympathy for my vehicle, but I kept on sweating when I took care of the sale. I want to avoid this stress. The question also arises whether 5,000€ a year is not too much for a vehicle. But with this loss of value I had to in two years at my brother’s. And in addition, I could make this €5,000 tax claim. Thank you for your advice of this luxury problem greeting

Hi, everybody, I’m about to make a decision when I buy my next car. Now there are a few questions I can’t answer so far. 1. I expect to drive more at the end of this year or next year because of work than now. I’m currently driving about 15,000 – 20,000 km a year, next year it could be about 60,000km. But that’s not yet certain. I know you can increase the km performance during the contract with many leasing contracts. Can I also “reduce?” 2. It will probably become a diesel – that’s why I tend to lease (due to current political developments and “diesel panic.”) I could theoretically buy the car also in cash. (approx. 35-40k€) What’s smarter? mMn Leasing currently, because I’m taking the thing off and I don’t care how much it’s still worth. 3. Financially, the whole thing is “secured.” I’ve never leased a car, and I don’t know what to think about it. I don’t feel like it. So I would like to put the total leasing costs right at the beginning on a 2nd account, from which the rates are always debited, and I don’t get any more of them, so to speak. Is there any reason not to do so? 4. My current car should still bring about 7000 euros, that I would then pay along with the tax refund as a special payment, since I no longer have this money “on the screen”. That would make 100% of my monthly obligations. About 10-12k€ of total leasing costs stay for 3 years. I have loosely over. It remains the problem with the expected km-performance. Do you have here tips or are the leasing banks so flexible that my concerns are unfounded. Thank you for your answers.

Hello, what is it like when I buy a used car from private (who lives in Estonia) for me privately (who lives in Germany)? Do I have to pay any taxes (tax/customs)? And how does it go with the TÜV? Do they need any special documents from the customs or tax office etc?? Thank you for your help Greeting Marc

Hello! I’m new here and I’m only starting to read about the issue of leasing. I have a question: Most dealers offer mileage leasing contracts, mostly with a mileage of up to 25,000 km per year. I actually need 60,000 – 70,000 km. Question: Could I just be above the agreed mileage with Vario financing with a purchase option? I will then of course pay more for the mileage, but wouldn’t the purchase price of the car then automatically sin ken due to the higher value loss? Or does someone have a different tip for me on how to best handle a leasing with my desired performance? Thank you and greetings

Hello to the round, I would like to use your knowledge. The following case (current workplace A): Service car list price 30,000 Euro // 100 km easy way to work. 300 Euro (1 % of the gross list price ) + 900 Euro GWV (0.03 %) = 1,200 Euro Controlling company car. Tax-free amount of 5.550 registered. Future case (job B): Care of another branch. 50 km from the place of residence. How is calculated here? Which workplace counts (A or B)? I is it relevant how often / how long do I work at workplace A or B on the day / week / month? And no, it’s not about the question whether it makes any sense to commute 100 km daily (one way)… Thank you very much!

Hello together! I am standing on the hose and need your help. In 2015 we bought a Skoda Fabia from first possession for almost 800€ (bar), the car is from 2009. According to DAT, the value of the car is currently at just over 4000€, with Mobile comparable cars are advertised for 650€. Now to the actual fact: The car is basically good, today has got TÜV fault-free and we want to continue it for at least 4 years, because it satisfies us in all matters and will also satisfy us (Child seat fits in, etc.) I wonder, however, if it would be more useful financially to sell the car now and take the 600€ (pi times thumbs) as a down payment for a new vehicle, to finance the rest and at the end, after the financing with a vehicle, which is more value. So, which option is smarter: a) Keep the car and drive for another 4 years. Value of the car should be at 1500€ (is that too pessimistic? I mean, he would then be 12 years old) In other words, since the car is paid and belongs to us, I would pay the loss of value + necessary repairs. b) Sell the car now, invest the proceeds as a deposit for a newer vehicle (about 1200€), pay the rest (runtime depends on, between 24 and 48 everything is possible, also completely cash is conceivable) and in 4 years with a maximum of 5-6 years old vehicle. In this case, I pay the difference between deposit and Purchase price (at 600€, I say), the interest, but in the end have a newer and more valuable car. Where is my mistake of thinking? Rejoice me about illuminating answers! Best regards, Steffen