Category: Auto-Finanzierung Forum

Perhaps not a happy entrance into the forum, but I am so upset that I even miswritten my new username, should be called Stearman, my favorite double-decker. I’m a bit sick of health and would like to take out a residual liability insurance for the death at the next lease or financing. The information of the manufacturers are pathetic, AVB s (General Insurance Conditions ) is only with luck. Or get you generously The embarrassing test of the so famous Stiftung Warentest certifies the grade 1. Differences, if interested, can write it in detail: The one insurer has absolutely serious exclusions: death benefit after a waiting period of 6 months ( okay ) exclusion war and ABC weapons self-killing within 36 months Further with very well-rated insurance ngen have additional exclusions such as: known pre-disease addiction( also nicotine, so: smoker watch out ) Please do not weigh in false safety, if I have time, I will also inform the consumer protection and the BaFin. Best regards Andy

Servus from Bavaria, I would need a loan of 12 months over € 10,000 to bridge a used car purchase, which I will probably pay back after 1-2 months. It is about that the “new” is to be purchased, and after the “old” is sold. Now I have the offer of the Deutsche Bank with repayment without pre-payment compensation: total amount incl. interest: 10314.70€ 1.rate: 859.56€ What is the residual debt and what amount must be, for example I mean, my remaining debt is 9,455,14, but then what advantage do I have from my early repayment…? I have the 314,70€ interest then completely retained, although it has to be only 1/12, because it takes place after a month…? Who can enlighten me? Look forward to your information. Greetings

Hello, I would like to ask if someone has already had such an experience. We bought a new car (T-Roc) is a used annual car, this one was financed. It is operational in itself and there are no jobs to do. After everything was cleared up we were told by the seller we would receive the car only after 14 days, since one would have to wait for the expiry of the right of withdrawal (from the financing). Since we had within these 14 days of d he financing could step back and if you got the car before then the car dealership would go out “empty”, in case we would make ourselves “out of the dust” with the car. Has anyone heard this before? We already have some car purchases behind us, but I’ve never experienced this before! I understand the reason but in the end the vehicle letter is deposited with the bank as security just for “unexpected” cases, if I had really planned that I couldn’t do anything big with the car without the letter.

I have now come into the privilege to order a company car. Due to our bad company car policy I will not do that, but I would be interested in whether you have everything quite limited in the companies. For example, no sporting parts. Annual driving performance in combination with consumption results in a deduction in addition to the leasing rate and other questionable things like trips to neighbouring countries only on request. I don’t know about the previous employers. Then a car was configured with a maximum amount for the leasing rate. Then there was a fuel card and taxed according to 1% regulation. Multi-kilometres were not interested because of business also difficult to estimate. How is that with you? Different group and SMEs. I am employed by a DAX group.

It is my first official car and I have received today a draft of the service car transfer agreement. The following points are not yet 100% conclusive for me: Liability for damages The employee is liable for damages to the service car, which are caused by improper treatment and are excluded as so-called operating damages from the casco insurance (e.g. engine damage due to too low oil level). Furthermore, the employee has to free the company from all liability claims The employee shall be liable in any event for damage caused by private journeys. However, the employee shall not be liable if the damage is covered by an insurance policy. r In the case of service journeys, it is only in the interests of the business that non-residents are allowed to take part. The leave of the service car or its guidance by third parties is not permitted. This applies in particular to renting or renting. On service journeys, the employee may only leave the service car to company members. Is this so ok or should one choose other formulations? Does that mean that, e.g. a friend/wife, etc., the vehicle should not even drive at short notice Or I can’t just “borrow” them like that?

Servus dear car fans, My better half will leave her car in September/October and will no longer receive another car due to a change to a much closer branch. In the future she will have 2x15km of city and country in front of her every day, ride with the e-bike in the appropriate weather and will therefore be loose with 10tkm every year. A spacious compact, or (possibly the respective one) in combination or limousine version is desired, as child and dog should be carried. Nu In the home there is no charging station yet, at the end of the year the solar system will be mounted on the roof and then look further, if necessary waiting for a new production pot. What kind of vehicle it will be, in principle, doesn’t matter. Which brand, which drive, we only look at the price/performance ratio. However, I don’t know what the purchase should look like in general. Is it worth a purchase, or better private leasing at the low Lau fleistungs? Buy an older car for 5k, or rather finance a new car? For example, a Toyota Corolla came into our head because I have read this model more often than not as a suggestion, but that’s just an idea. Thank you!

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.