Category: Auto-Finanzierung Forum

Hello! I bought my Audi A3 8P 2.0 FSI by financing about 2 3/4 years ago. Now I have to pay a shooting rate of 15,000 euros after the 3 years financing period. Now I only wonder if it’s worth paying the 15,000 euros or if I drive differently better. First of all to the data: My car is an A3 8P 2.0 FSI S-line with extras like Xenon, light sensor, rain sensor, coming leaving home, climate automation, Concert 2,…). I drive about 30-35,000 km, ha b so already almost 90,000 km on the clock. Therefore I also have doubts whether the car will last the next time without expensive repairs. At first I thought of three possibilities: 1. I pay the final rate – the car belongs to me and I drive it for a few years. 2. I pay the final rate – the car belongs to me and I sell it immediately private or to a dealer and then buy a junior used one. 3. I return the car and buy a car I am also thinking about whether it is not cheaper to switch to a diesel, because of the high mileage per year. But you can hear that a diesel doesn’t bring so many advantages… If I choose possibility 3, it can be that I also get money back, because the car is in a top condition? Should possibility 1 or 2 be the best, ic can be the best way to do this. h then also get out of the financing contract prematurely? Then maybe I save some interest? Questions about questions! I hope I can give myself recommendations! Greeting, Tobi

hello to all I’m new here and looking for a advice, regarding car purchase hope I’m in the right “forum” ? I’ve been driving a ford fiesta 96 he now for 8 years, which is carried in 2 months, to grave …. I just don’t know what to buy a new car (price range up to 3500 euros) (financing, have 1000 euros available) I’m looking for a diesel, because gasoline costs have become too expensive… driving at least 10000 km a year… what kind of cars are coming in there? ? to not off he really would go to need also a gasoline …. but very reluctant… is there any good dealers in the room lübeck/hamburg? for answers I would be very grateful

I’m looking for a car like the Golf 3/4 / Civic with 110 – 120 hp but low insurance rating, because I’m only 20 and therefore only at 100%. A Corrado / CRX would also be very nice but just like the Golf GTI these are very (!) expensive in the insurance. And I would actually rather have a slightly newer car than the Corrado. I also find Alfa quite interesting, but unfortunately I can do it on http: //www.gdv-dl.de/typen.html I don’t find any entries for Alfa, so I don’t know how high they are with the insurance, but I’m afraid they are similar to the ones mentioned. Should a car be about 1000 kg of curb weight. But still no smart or such small. A3 would be the maximum, but this one is a little too heavy for me and also too expensive in the insurance. The price limit is about 5000 €. Rather diesel, as I drive about 20 tkm a year. I know that this thread here is not to 10 0% fits in, but where does it fit in better?! Then I hope you have some tips for me

Hello, I have a question about the taxation of a company car. I have the possibility to get a company car with a prescribed equipment. Gross list price for this equipment is 27,000 EUR. In addition, I can configure up to 3,000 EUR into the car, which I would have to pay from my own pocket. Let’s say as an example that I fully exhaust the limit of 3,000 EUR and have no way to work (0 km). Then makes monthly gross 300 EUR, the best The fleet management told me that the 1% rule would really be related to the value of EUR 30,000 and not only to EUR 27,000. On the one hand, I pay directly the EUR 3,000 myself and tax it month after month on the duration of the use of the company car. Can this be correct? Furthermore, the following question concerns me: The fleet management told me that the EUR 3,000 will be withheld from my salary and that the This applies only to the calendar year in which the company car was purchased. a) What exactly do you mean by this? Can someone give me a calculation example? b) I found contradictory information on the Internet. Sometimes it is said that this reduction applies only to the first calendar year and that the reduction also goes beyond the calendar year. What is correct? I hope someone knows about it. a little better than me 🙂 If you have any questions about my comments, please contact us! Thank you in advance!

Hello, I’m new here and I need your help I paid for my first car from the saved car, so I have no idea of financing, but I’ve already informed myself everywhere. I want to finance an Audi A4 car with VarioCredit. As a down payment my old car should be used. The loan amount would be about 30k€, I want to finance for 48 months with 15000 km/year. If I use the proposed rates of the Audi online computer I would have to use about 330€ This would be the value of the car with a certificated right of return ?! Now the dealer asked me how much I would like to pay monthly. I said 400-450€ to keep the final rate lower and because I could pay so much monthly. Now the question: What good is the certificated right of return now ? The final rate (about 13k€) is then lower than the value of the car. If I would then return the car in 4 years, b or would you recommend to keep the monthly rates as low as possible and to put away something in private every month? Thank you very much.

Hello, I had reported a damage that was externally in debt at sixt leasing. (This is the article https://www.motor-talk.de/…/…mse-war-not-dressed-t6184102.html) They sent me an expert who also documented the overall condition of my car. He noticed that the bonnet has a higher paint thickness and asked me if something has already been done. Seems to have been repainted. Of course, during my leasing period, it was still a good thing to do. Nothing about the bonnet and I didn’t fix anything either. I have the car now 1 year and 2 months. He recorded it in the protocol. If there has been a repainting of the bonnet and there has been a lack, does not sixt leasing have to inform me about it? Does this not represent a depreciation? The background is: I have completed the Vario financing and would like to buy the car after the leasing period, because otherwise I would like to make losses. Then you could assume that it is an accident car and I don’t get much more for the car. In case of a takeover, is the car not as much value as sixt calculated with the repainting. Shouldn’t the residual value or purchase price have to be adjusted? Do I decide for a return it would have to be taken into account there? How should I proceed? A legal protection insurance ha should I turn to sixt first or should I turn to everything with legal counsel?

Good morning together, I’m just hitting around with a question and I can’t find an answer to it anywhere. So I hope for your expertise and put it here for discussion, maybe someone has a similar situation and can bring light into the dark with his experience. I want to buy a used car. It costs 14,000€ and is relatively cheap, so I feel a pressure to buy it quickly under roof and compartment. I have the money at short notice. In other words, I would like to receive part of my liquid funds with a favourable interest rate on the car. The classic way is to choose a car, to regulate financing, to receive money from the bank, but not to use all the money for it, but to leave 500€ as a buffer and to finance it with a car loan. In other words, I would like to receive some of my liquid funds with a favourable interest rate on the car. I would like to pay car, take it with me, and connect car financing for 500€ and pay me out on the account. On the one hand, I have so much more peace of mind to compare financing offers and to carry the documents together, on the other hand, I would have the certainty that I will get the car and could use it right away. Has anyone already completed a car loan afterwards? l outstretched, and then refinance with a car loan? I wonder if the bank would finance a paid car at all or if these loans can only be concluded before the conclusion of a purchase contract. I hope for helpful answers and thank you now quite warmly, also for the many advices on other topics that have often helped me in the past as a passive user.

Hello, I’m new here and have a question. We financed a car at the BMW Bank and now want to take a loan at the house bank, we want to pay off the financing early with the loan and negotiate the car for a new one. Is that so feasible? Or does the letter go to the house bank? The new loan is not a car loan but a private one.

Hello together, very briefly: – signed in the Authohaus purchase contract for an annual car – signed in the Authohaus Darlehn contract for the car – signed in Darlehn contract with advance payment which has not yet been paid – current salary information is not yet available to the car dealer – car can not be registered yet since proof of insurance is not yet available Can the Darlehn now be revoked with the 14-day right of withdrawal and thus also the purchase contract for the car expires? m Purchase contract is explicitly the financing via Bank BDK with sum X on their terms specified. In the contract the vehicle is also explicitly specified as a financing object. I assume that it is then a composite contract?! Are there any texts or similar that prevent it by recalling the recall of the purchase contract about the car not extinguished? Many greetings and thanks!

Hello! As soon as I find a talking offer, I would like to buy a Kia Picanto Gt Line and finance it. Now I am thinking about what I would have to take into account (in advance) and hope that people with experiences have some tips for me here. 🙂 For example, I am thinking about what would happen if the car would suffer a total damage during the financing period. A comprehensive insurance would only take over the time value, wouldn’t it? I would have to pay further until the original purchase price has been paid off – even without a driving car. I have heard that there are insurance companies that would take over this difference. Which ones are recommended? Is that worth it at all or is it useful? Or is there other insurance companies that are more meaningful and do something like that? Also possible unemployment or so are there certainly topics at the bank? I have read, however, that the one often gets something. But what makes sense? The car will probably cost around €15,000. What else do I have to pay attention to or in which “traps” should I not fall into in case of financing? And is it most useful to finance the car directly at the car dealership and their bank? Loans with banks/sparkasses seems to exist at the moment only at not so attractive conditions!? And I can save even during the financial accident and then by special tax When is this worth it? Does it cost you a fee? And lastly: I changed the job at my request at the beginning of the year. I have now increased my hours at the employer, and will therefore earn 2xxx net + surcharges from August. I am out of the probationary period, but have a fixed-term employment contract until the end of 2019 – this is the standard with the employer unfortunately, but the chances are very good that I will then take over and determinate who only how are my chances for financing? And how do I say, if I wanted to finance the car now, that I have more salary from August, if that should be relevant!? If I had terminated my permanent contract before that, maybe a car should have bought before that.