Category: Auto-Finanzierung Forum

Hello everyone, because of an accident one of our vehicles is unfortunately a total damage. For this we would need a reasonably quick replacement. Therefore the friendly Audi dealer calculated us an offer for an A6 demonstration car. Since the Audi leasing for “used vehicles” was not so sparkling, he created an offer about the so-called VarioCredit.https://www.audibank.de/…/auf_eine_blick.html The offer that was created for us is very “leasing-like”. In my opinion, it is too high a final rate. In other words, I personally would not assume that the estimated price can be realised on the market in three years’ time. Now Variocredit offers the right to return the vehicle with a certificate. Thus, the dealer is obliged to take the vehicle back after the fixed term and replace the final rate at the bank. Accordingly, the final rate – in contrast to a normal three-way financing – can depend on me. The only problem that I see right now is that the dealer goes bankrupt and I only have a certificated right of return to him. Has anyone had any experience with the vehicle return within the scope of the Vario Credit? Is this just as straightforward as when leasing? Or do you see other pitfalls?

Hello MotorTalk Forum, I ask you to help me a little bit. Since my old Corsa 1.2 from 2001 is not the best long-haul vehicle, I would like a new car for 100km daily. My route consists of 95% rural road and 5% town or villages. I have been looking for a little bit in the Hyundai i30 1.4 T-GDI DCT N-Line. The look of the car as well as the equipment and the guarantee convince me very much. I need help with the following. This car is available from a dealer as a demonstration vehicle with 3500km. LP is 23.99€ down payment 500€ 48x 428.09 € (3,99 %) + selected comprehensive insurance approx. 191€ Monthly (starter SF 0) would be approx. 620€. At Autohaus24 I have reconfigured the car. LP is 29.489.99€ down payment 5,898.00 € transfer cost 682.72 € closing rate 884.71 € purchase price at the end of the term (optional) 12,090.89 € 48x 241,10 € including all inclusive + CAP insurance. I now calculate the purchase option at the end and d the final rate on the monthly costs I get to 510,xx€. Is that right that I get away with the new car from Sixt significantly better due to the cheaper insurance or did I forget a mistake of thinking or something? I probably know that I would have to pay with an older vehicle probably less monthly, however I would probably be on the safe side with the guarantee of the vehicle. However, I will gladly take suggestions for other cars if you think of any. Thank you

I will change my job soon and have the following options in the new job: Car Allowance ~800 EUR Gross and 0.3 EUR / Kilometer Or a company car: all paid (A3 / A4 level) – I guess that’s about 35K / 40K worth. On the first model I would get gross almost 10,000 more, but must finance the car / workshop / insurance etc., however, that’s my car at the end. The company car costs me about 140 EUR per month from my net income n ( 40,000 x 1% x 35%) This means that I have about 550 EUR available (~400 EUR Net + 150 company cars “Net Negative” On paper, the company car is probably better, because almost all carefree and keep a super brilliant car. But also a car that I would never have bought. I would otherwise finance a 15-20K golf, i.e. my net assets will go up as I can call over a few years yes car my own, which then maybe still worth 8K I can’t judge the performance of the car, but I guess that’s 25,000 p.a. (I don’t have a work path either) Long speech, short meaning – I think I’m financing a somewhat temperate car myself and I don’t think I’m getting better after a few years, or what do you think? Of course, company cars are out of sight, from the point of view…

Hello dear forum community, although I always found the idea of having a “flatrate for the car” (leasing), I have avoided the topic of private leasing completely so far, because I was advised not to do so from many sides. One of the reasons was that (allegedly) in the private sector dealers like to send invoices about subsequently discovered impairments on the vehicle, from which one can not protect itself. I have here already many Beitr I am still very unsure about the issue of leasing/financing, so I hope it’s okay that I create another topic. It would help me a lot if someone could tell me if I really have to be “feared” of such cases or if I can really see the system like a flat rate for the car? If so, what do I have to pay attention to? Briefly to my situation: As a replacement, I am currently looking for a car for the next few years. In fact, I had planned to buy a used diesel for about 650€ for this time. However, I find the idea of paying a fixed “carefree” amount per month for a new car also very interesting.

Hello, I am allowed to drive a company car from January this year, BMW 318 i Touring (BLP 39.200 €). In Nov. 2019 I moved together with my girlfriend due to upcoming offspring into an own apartment (apartment A), before I lived in the parental home (apartment B). Since I was unsure about the steering of the company car I first registered the apartment A as a subsidiary residence, apartment B is still the main residence – at least on paper. Parental allowance I have to register the apartment A as the main residence, otherwise no parental allowance is allowed. (Requirement for parental allowance: “…to stay with his child during parental allowance receipt in a common household”). Since the main residence is by definition “the place where a person is mainly staying”, the tax office would probably not accept it anyway. This results in the following taxation for the company car: company car – 39,200 * 1% = 392 € Remove ng to the workplace Apartment A – 38 km * 39,200 € * 0.03 % = 447 € + 392 € = 839 € Apartment B – 8 km * 39,200 € * 0.03 % = 94 € + 392 € = 486 € Home office is possible, but in practice rather small. Since I have a very good relationship with the managing director, we can carry out the necessary adjustments in the employment contract etc. in order to exhaust the legal framework. Are there a few creative ideas to install my constellation as cost-saving as possible? Am for any tips u nd hints grateful! Best regards Lucky

Hello, I have a question to which I find so no answer on the net. The following situation: I have been employed for 2 years in a company on 450€ basis. The company headquarters or the office is 200km away. It is so that at the moment once a month I have to go to the office, make the rest complete (my few hours) home office. Now my boss has suggested me a company car, list price 30.000€. This is also to be seen as motivation. The 1% regulation is known to me and would be ok for What about the distance allowance? Or, in other words, what would the car cost me a month? Yes, I know, I could just wait for the answer from the boss, but the company’s tax advisor is still 10 days on holiday and I’m totally curious 😉 Maybe someone can help me here!

Hello forum, I need a little assessment. You can help me / give me tips. My partner and I would like to finance a car next year. Now the problem is that my partner has a negative Schufa. Ergo I can not take her into the financing with me. The financial sins at that time have been “almost” paid off, but the problem is that these remain in the Schufa files for another 3 years. n is the Schufa and I can therefore not take it into the financing, the bank then only calculates with my salary and deducts the large fixed costs such as rent, insurance, cost of living, and an ongoing loan (which is paid off next year) from my salary. (All costs we share) Earnings are actually not bad. We are about 5k net per month. My salary is 2.5k net. Can I use it to finance a car of your Me so far I have always been able to pay cash for my cars and have not yet had any experience in car dealerships with financing. Thank you Yavuz

Hello, since it is apps and special accessories (pace, vimcar) currently making it easier to keep a fiscally compliant travel book following question, after I have tried out several online tools with contradictory results. In which case is a travel book worth for an employee (conducting employee)? I pay no own share or gasoline costs, the employer pays all-inclusive leasing with fuel card etc. Tax-wise increases my annual gross by about 14,000 EUR: (List) enprice 62000, 30 km easy distance) 62000 x 0.01 x 12 = 7440 EUR 62000 x 0.0003 x 12 x 30 = 6696 EUR i.e. net “costs” me my car with my tax rate approx. 7000 EUR p.a. (all inclusive) I currently drive approx. 33 TKm, of which approx. 13 TKm to work, approx. 4 TKm to other places of work and approx. 16 TKm purely private. Who knows the topic and can tell me if a travel book could actually count on it? If no, I can take the service trips to other places of work. to make tax claims? THANK YOU for your experiences!

I ask the question separately here, because otherwise it is probably going down: residual value calculation by the manufacturer bank for financing: How realistic is this information – is the residual value rather poorly calculated or yet close to reality??? Example VW Passat List price with special equipment: approx. 53.000 € Price after special discount incl. transfer costs: approx. 40,000 € Credit interest: approx. 1.600 € Costs Total: approx. 41.600 € Rest value of the bank with financing with 1.99% over 48 months with Fahrle is this a realistic invoice or too pessimistic and I could expect a higher resale value (at least the offers are never so cheap with the portals with similar age+running performance)? Are value loss models of a well-equipped used one really cheaper, because also wear and possibly repairs come in Thank you very much! Franz

Hi together We’re thinking about financing a sharan balloon financing purchase price 38,000 down payment 15-17000 runtime ? Kilometer 8-10000 So offers I haven’t since our car dealership has problems at the moment, as regards red numbers and so on. Information I wanted to have anyway What do you think of a 0% financing? Since the vehicle price would be however 41000 would be just another Sharan. We’re thinking about driving the longer, which worries me are the interest rates In 3-5 years we will have cash liquid with which we could replace the car directly. However, I do not want to build on it, is only nice that there is the possibility. I think that the vehicle prices will go further up, at the latest when the cold months come. Thanks for your support