Category: Auto-Finanzierung Forum

Hello, I have been playing for a long time with the idea to buy a new car, especially the Golf 7 GTI. The vehicles interesting for me have running performance around the 60-70t. KM and are built in 2017 and newer. I would not pay the purchase price of approx. 20,000 € at once, but part financing. My planning would be as follows: Purchase price: 20,000 € down payment/sale: 10,000 € remains a difference of 10,000 €, which I would finance. Since I don’t like to be tied for a long time, credit calculators on the Internet spit out a monthly rate of approx. 290€ at 36 months of maturity. My net income is around 1900€. From January 2023 it is 210€ net. With my current income and my way of life I currently have 500€ per month, which I save/invest. I don’t have any other loans at work. I would also like to say that I still have a financial cushion after the deposit, which means that I don’t have any other loans. So I wouldn’t be down to zero. 😉 Now I’m looking forward to your experiences and assessments. Do you think all this is realistic or do I take care of myself? Since it would be my very first financing, I’m rather overcautious here. Finally, I want to add that I can easily carry out the typical maintenance work on the car (brake change, spark plugs, filters, etc.) myself. Thank you in advance! Greetings

Since the used car prices are currently so crazy, I think about ordering a new car. The current car is paid and will probably drive a few km without any problems. Therefore we have no pressure when the new one will be delivered at any time. I set myself up for a delivery time of at least one year (VW dealer spoke earlier of ~ 18 months), but also did not want to wait for nothing. What possibilities does the dealer have to return from the contract to tret We have 10% inflation next year. Are there clauses in the small print that the seller does not have to deliver in “special circumstances”?

Moin, short to the initial situation: – married, 2 children, house for rent, both are permanently employed – salary is high enough (€5400 gross) with free reserve after deduction of all costs of currently around €1000 that I could use – current loans: house bank monthly approx. €390 (until the end of 2025), car of my wife monthly €170 (until the end of 2024) – still running car leasing (until May 2023): €160 – Schufa is with me at 97% no negative entries Have now an offer of Skoda for a Kodiaq RS, kos At present, however, the delivery time is about 12 months, so that my down payment could be at 14-16k at the beginning of July 2023. So net income of approx. €36-38k. If I now conclude the purchase/financing agreement, then when will the financing be “valid”? Is everything triggered about 12 months before the delivery date? So income, employment contract, Schufa etc.? Are the two loans and the leasing “too much” u m another financing that would only start in 12 months?

Hello community, I need your help. I need a family car. What I could pull out of my pocket would be in the range 20k. I don’t drive much: 10k a year. The car would be insured in the underground car garage and with all-inclusive. I searched for a long time and even thought about new cars Kia and Co.. In the end I landed at used 3 Series GT, directly from BMW, means: about 30-50 Tkm on the speedometer and BMW warranty. I even had a test drive and find the car great: spacious, fits in my garage and looks nice. The problem is that even the 320i start with ~30k. My wish car, which would be really fun (from the engineization and equipment) would be more 35-38k. Now I think about whether I buy it and (logically) finance it. I have the reasonable rates with the credit with the closing rate. But somehow it seems strange to me: spend the money + pay each month + still remain guilty. On the contrary, one can say that a well equipped r 330i or 340i, which is still fully insured and is in garage, would not cost 0 in 6-8 years (with my mileage still under 150tkm) and possibly even more than my final rate. It can sound stupid to buy something that you can’t pay out of your pocket, but would it be reasonable to buy an older or cheaper car without financing and then get scrap at the end or invest a lot in the repair, I don’t know. So purely financially, abs even from comfort. Need a couple of experiences..

Hi, me and another college are both 19 and 18 and we wanted to get a car for a few months in the winter, our parents have cars that we also use but you have to ride the gently, I hope you understand what I mean. We once thought of getting an old audi 100 or something like that for a few hundred euros, the car should keep even a few thousand km after that the wear is probably scrapped. now my question: what would the insurance give us the registration cost, can help me vlt someone a little further and which dare you would recommend us … the car should already have the 100 ps, no fear I can handle with a lot of performance quite well, papa drives a 740i. thank you already young and girls

Have a question for you on the basis of a current case. How does it look if an elderly gentleman wants to have a car loan with a car bank? Example as it has happened: A gentleman from the relatives bought a vehicle in 2006 via financing. The rates are scheduled for 36 months and after that he is free to leave the car or to pay a residual sum. The rates for this at the moment amount to 260,00 Euro monthly. Now another car should come from which over 60 Mona It is a classic financing with constant rates. This amount is 487.00 per month. The employee is 84 years old, has an above-average pension, and an owner’s home, worth approx. 300,000 euros. Is it understandable that the bank of the vehicle owners refuses the loan?

I read here from time to time threads in which so great about discounts is talked, only one thing you must not forget that also the dealer wants to have a bit of money, especially since he places the cars on stock and has in addition also demonstration cars as well as employed,with the meanwhile almost usual 15% discount everyone can calculate himself how much remains of the dealer, here it means squeezing up to the bitter end and the whining then becomes even bigger if this dealer has to close because you have everything ka puttgespart and then have to make a long way to the next contract workshop or still have to drive to the bastlerverein ATU and then the screws have to re-account again if everything is fixed, so my please: LIFE AND LIFE LASS

Hello Kolleschen, I always see these super cheap credit offers with 3,71 or in some cases even more favourable for financing consumer goods. But how for heaven’s sake can I get access to such dreamy conditions. Sure in times of Basel II one will certainly have to show a good “bonance”. But could someone tell me exactly what one would have to prove for such a loan with a low interest rate?

Hello, I really need some advice from you, because I have no idea in this respect and I never had to/wanted to do anything like that before. The thing is this: I left my old diesel in August last year and bought a smoked passat (petrol) and now finance it over 4 years until it really is mine. I made this decision because I had to drive less than before and the difference between diesel and petrol also net more so big r like 5 years ago. In the meantime I have calculated and found that I drive much more than expected and the super is again almost unbearably expensive lately, that I now extremely regret not to have bought a diesel again *damn* Now my question is, do you know a way I can buy a new one for financing. As I said, for the old one I still pay a good 3 years, so sometimes so fast triggering at the bank is not in there either. I’m also not such a big earner that I could say, I pay off just a few months for 2 car rates. Would you really be extremely grateful if you had some tips for me on how to handle this. Mfg DerUnkel2002

Hello, I am about to lease a vehicle on business. BJ 08/2015 50 tkm on the speedometer 36 months leasing 25 tkm p.a. All prices in gross: Current selling price = 40,000 euros. Estimated residual value after 36 months = 20,000 euros (I already hold for too low). Comparable models with 125,000 km are just for 30,000 to 35,000 euros at mobile.de. Monthly rate would be 670 euros x 36 months = 24,100 euros. So pay 4100 euros for the “financial service” since the car is only 2 0.000 in value loses. So almost 20% calculated on 3 years, which I think is too much. Does someone know banks or portals where I get a better offer? Thanks already and many greetings!