Category: Auto-Finanzierung Forum

Hello dear community! I plan to buy a vehicle, because my beloved car has blessed the time through an accident. By saving and the residual value of the old car + compensation of the insurance (foreign accident) I come to a budget of about 16,000-18,000€. With my current salary I can easily put away 500-700€. However, pay also no KfZ tax and insurance at the moment, therefore more 500€ per month. My dream car (used, 4 years old) -> Biggest loss in value should have happened) currently costs about 24.000€. I can imagine two variants at the moment. Either I buy a relatively cheap value stable car (5.000-15.000), drive this 1-2 years, then sell this and buy my dream car with delay Or I start a 12-18 month financing for the remaining about 6.000€ which I lack. I am aware that by financing all this will be more expensive due to the interest rates. But this is the price of A certain impatience. For this you have the car almost directly. Actually I am absolutely not a friend of such financings. One buys only what one can actually afford. But this 6,000€ seems to me not all too high risk and not very nonsense. For possible repairs I have included a small cushion, I would not be at 0 after the purchase. Has anyone had experiences? Should I rather save? Thank you for your answers.

Good evening together I would like to buy a new car in the next few weeks. After many previous vehicles that I have always paid exclusively for cash, I would like to finance a car for the first time. I have already contacted some dealers and received offers, but am I unreliable which financing rates fit to my personal situation? I know this is always very individual, however I would be happy if you would give me a few tips or opinions I’m 31 years old, I live with my partner in a rental relationship. My net income amounts to 3100€. My partner has an almost identical salary, so we get a monthly income of just over 600€. However, since the car would be in my possession, I don’t add my partner’s income. When financing the car, I would basically pay a down payment of 1200€ and the rest of the car would be In this case, however, I am very indiscriminate about how expensive the new car can be in relation to income. At the moment, with the idea of buying a vehicle in the range of 3000€ to 4000€. Then I would have a financing sum between 18- and 28000€. In the calculations, there is now the possibility to take a favorable rate, between 150€ and 250€ and to increase a higher closing rate or the rate to 300€ to 350€, with a lower closing rate. The 350€ w But I actually have my absolute limit of pain, I have the feeling that this represents a lot of money every month. But what I am surprised about is that I am being promoted from €350 to €500 everywhere, which I feel is a heavy burden, but I don’t know in what relationship this fits with my income? Please excuse my long text, I would be happy if you can give me some tips on what rate with my income can be realistic.

Hello Together, your opinion about the following situation is asked here. Everything in a nutshell: On 27.02.2003 a 3way financing at Peugeot completed, 36 months duration, 20,000 KM per month, on 08.03.2006 the car with 47,815 on the clock back to the dealer, after 2 inspections & a minimum list of defects (a defective steering rod + 2 worn summer tires), the car was bought back again by the friendly for XXX€. Deregistration by the friendly 11.20 € fee + 10 0,00€ for new TÜV & AU & 80,00€ for the steering rod, all this has been deducted from the sum of the lower kilometers. Remained are about 500€ which should go back to me. On Tuesday I learned from my insurance that my car is still registered, a call to my former friend confirmed the whole, after a conversation with the managing director came today a letter from the car dealership with a list of new defects with a total cost of 1,500€. e Community??? Greetingz Roman

Hallihallo! I ask myself again and again why many people plan to resell before buying a car. With all the other things nobody does. From toaster to TV and washing machine to their own house and its furniture, all things are generally used until you can’t use them anymore. Why can’t anyone do that with the car. Just because I use the car a lot, I want to have it the way I like it and not just any po Tential later used buyers. Or do I see something wrong? I feel like I’m only one of a few who would set up in their own car and also do so if it were completely new. Some time ago, for example, I was interested in a new Lada. I was strongly discouraged from doing so, for example, because of the loss of value. So I think, “Hello? Where did I end up?” The reasons why I don’t have the Lada now are different, but possible value differences. Furthermore, VW, Opel, BMW, Toyota etc. are practically worthless if I would repel them again. How do you see that? I’m looking forward to credible reasons to sell a car before it is useless. MfG Meehster

Moin, I know the subject doesn’t really fit here, but I didn’t find a more appropriate forum. It’s about the following: I’m thinking about buying a new car. For the moment, the manufacturer doesn’t care, it’s about the upcoming VAT increase. Most manufacturers have some discreet delivery problems at the moment, as many want to buy a new car quickly before the VAT increase. Now, however, it is known in advance that the goods can only be delivered in 2007, i.e. after the VAT increase. What will happen in 2007? Is the price simply raised and the financing/leasing simply recalculated or are the prices valid at the time of conclusion of the contract? For my feeling the prices are valid according to the contract, but I also like crazy. Greeting Ken

Hello, I bought a used vehicle and must now finance it. Can I only get money for letter (without salary certificate)? Where? The vehicle (motorcycle) is worth about € 3,500 – I need only 50% of it. Thank you for your information!

Hello everybody, I would like to buy a used Audi A3 (via the Audi Bank Finance) –> I wanted to ask if you are asked if you have an indefinite or a fixed-term contract of employment? Or is usually only asked about the 2-3 last payrolls? What is the self-certification at Audi asked? -z4n3

Hello, I hope that I ended up here in the right sub-forum – at least I didn’t find any more suitable one. I’ve had a rental car from Sixt (VW Polo; White) for 1 1/2 years. Some time ago I found out that almost the complete paint is covered with small rust spots. After having an appointment with the car dealer today (because of another thing), I briefly addressed this topic. A qualified employee has the problem directly also one day. l looked at and said that an extended polish with special knets and cleaners is enough, which would cost about 250 €. Do you have experience with such a thing? Can you do this without agreement with the lessee – I mean it is only a polish – or do you have to clarify something like that? Unfortunately, I didn’t find much in the terms and conditions (at least there is nothing on the subject of polish) – and the support always takes so long for answers and maybe jema has and of you already experienced similar. Greetings

Hi, I went back to BMW today to get an offer for a 2 he GrandTourer. The first offer is for a 218i in the Sport Line version with a few extras. Discount here would be 16% and a purchase price of 36.000€ The second offer is for a 220i in the Sport Line version same extras. Discount here would be 18% and a purchase price of 38.000€ For which of both I should choose, I don’t know yet. I would finance a third of the purchase price (Hausbank 2.4 % ) The seller thought the leasing might be more attractive because, for example, there would be no maintenance costs for me during the leasing period. What do the experts say about the offers or recommendation to lease the car?

I hope you can help me. I bought a used car a month ago for 1000€ I already know that you won’t get anything special for 1000€. Unfortunately I had to tighten that would be screwed around the car a lot at the instrument unit missing all screws. Yesterday I lost oil from the hydraulics and also saw that you tried to seal it with sealing compound. For my eyes very dangerous because it is for servo steering and chassis and brake. On the purchase contract st eht: With this the buyer orders the following used motor vehicle after any warranty for defects in property, unless he has taken over a guarantee for the quality of the item, on the sideways and, if available, on the conditions of business which are included in the annex, or in the sales room.The exclusive liability for defects in property does not apply to the mediation of a sale in the exercise of his business activity to a consumer. Does the sale result in a reduction of the limitation period for property and legal defects to one year. My question is I have a right to do what? Or what do I have to do? Hope you can help me.