Category: Auto-Finanzierung Forum

Hello together, I am a freelancer and am about to sell my company car. As a self-employed person I will be able to issue VAT with inquiries from dealers who export abroad. It seems that most of them are dealers who have a company in Germany but want to export abroad. Now some ask me if I can sell the car without the VAT (i.e. net) because the car goes abroad. I wanted to hear your opinion if this is a klever idea and if so, what I need as proof of everything (export certificate, etc.) Greetings and thanks

Hello, I have the opportunity to get a service car via my company. I would tax the car with the 1% regulation. Here are my rough basic data: Car List Price: 3000€ Distance to work: 61km Gross wage: 4000 (month) Personal tax rate: ~40% My company has submitted the following calculation: List Price: 30000 Distance: 61km GWV Total: 849€ Net load for AN: ~339,60 (849€ + 40%) Until here everything is clear and understandable to meMy company still calculates the following with pure: net leasing rate car: 300€ Insurance: 100€ Tank card: 5€ Tax: 19% Subtotal: 481,95 GET: 5,76 Car tax: 25 Leasing share AG (gross): 512,71 Net reduction due to salary conversion: 307,63 (512,71 * 60%)Total net load: 647,23 € (339,60 + 307,63) Why is the leasing share still included? Is this so common with company cars or only with me a special case? Would it be great if someone could enlighten me?

Good day, unfortunately I have the feeling that the articles that I read on the topic of company car purchase usually do not match the articles on the cost overview, maybe someone can help me here. In short an example:Buying a used car, no leasing!:BMW X4 Year of construction 2016 Km 80.000 Gross list price 57,000€ Current purchase price 32,000€ Petrol What would it cost the employee if he kept a travel book?Worker Max Mustermann: Route to AG 20 km Private use 50% Gross 2000€ Tax class 1 How much salary would Max have to give up per month? Does a travel book also pay for him if he drives more than 55% privately? So with the 1% regulation right (57,000€ x 1% = 570€ p. month, … -> about 50% tax deduction by AG = 285€ Money value advantage per month for Max)? Accordingly, he would have to give up on 285€ net? Would he be cheaper with the travel book on the way? If someone takes the time to answer, thank you!

Hello together, I am 24, earn 1500 € net and want to buy my 1st car. I would get in with the SF class 1/2. My plan was this: for about 3000-3500 € buy a used car, monthly I would have about 400 € for free perception (after deduction of rent, food, leisure and saving). Do you think that would be enough? As a reserve I would have about 1500 € if unexpected repairs were due. Which car would you recommend me? Had rather to a 1 BMW or VW Golf thought. Thank you!

Hello together, I was here so far silent reader and wanted to ask what you mean about my project. I play with the idea of buying a new (used) car at the beginning of next year. I have been watching the market for a long time and now I have found an offer that is pretty much in line with my ideas. Based on this I have calculated how I could design a financing next year: Purchase price: 28.500 € Sale/indemnity old vehicle eug: -6,000 € down payment from saved: -6,500 € remains a difference of 16.000 €. My idea is to finance this over 4 years, at a rate of approx. 350 €. After two years I would redeem the loan, because then a savings contract of approx. 8.000 € becomes due. I earn per month 2.840 € net, whereby already a VL saving of 100 € is deducted (above saving contract). In the last 24 months I could save on average 640 € per month, so the amount would theoretically be for the Kredi my questions are now: Thank you in advance.

Hello together, I have to put together the financing for my pre-ordered G Class by the end of 2022. My saleswoman could only tell me that Mercedes Bank likes to see low monthly rates. How should I choose the deposit and closing rate? Maybe there is someone here who has experience. Had thought as follows: down payment 35,000 closing rate 125,000 48-month financing of the remaining 40,000€ My credit rating is very good and our net household income is in the lower 6 st other debts or loans

Good morning. At the moment I think about financing a new car for luxury reasons. I feel like something bigger. My monthly fixed costs include: All insurances (dental supplement, household supplies, current car sales etc.), electricity, hot rental, internet, gym, mobile phone contract, food, drugstore, hairdresser, refueling, streaming services, priv. retirement provision. – Home ownership is no longer planned. At the end of this list is a plus of 850 € at the end of the month. after a down payment cost approx. 247,11 € per month. Final rate after 48 months approx. 11,000 €. The vehicle to be financed is a diesel with 53,000 km on the clock. I would then sell my current vehicle privately to get the down payment back in and put it back on the High Edge. I am very careful about financing and wanted to get back insurance. What do you think about it?

Meal together, I am faced with a (for me) tricky question. The following situation: I want to finance a new used car. The car will cost approx. 21.000€. My current equity is about 2000€. In addition, I could sell my current car for approx. 10,000€. However, I get this only in private sale, dealers usually offer approx. 800€ only. That is too much loss for me. Therefore, an inpayment for me is not possible. Now ic h best to go to the bank first. Pick me up the 19,000 € (since 2k equity) and buy me the new car and then take care of the old and give me the 10,000 € proceeds of the bank. However, a special redemption will not change the rate. However, this would be significantly important. However, I constantly and always need a car for the way to work. I have not yet found the right car for the purchase and therefore still have time and not under pressure. ss I find both a buyer for my old vehicle and at the same time the right new vehicle is I think wishful thinking. Maybe I think much too cumbersome. But how would you like to do this ? 2 credits? Once for the 10,000€ you pay back directly after sale and then a rest for the 900€ you then stammer ? I hope here on suggestions 🙂 Until then you have a nice evening!!

Hello together, because of the fact that my 15 year old Ford Focus with more than 200,000km gives up so slowly (motor problems etc.), I now want to finance a new car. Actually it was planned to drive the Focus for another two years, because it came fresh over the TÜV. But now he doesn’t want any more… Anyway, I find the Focus a very nice car and I am very interested in the Focus ST 2.3 EcoBoost: Price: 27.990 Euro Kilometerstand: 38.5 50km Year of construction: 2019 I myself have no experience with financing and wanted to hear from you if the following makes sense: Deposit: 5,600 Euro (approx. 20%) 60 months Rate á 303,50 Final rate: 9,236,70 Euro or down payment: 5,600 Euro 60 months Rate á 432,14 Euro no down payment Now to me. I myself am 25 years old. Earn approx. 3,000 Euro net per month and am a civil servant on lifetime. Monthly fixed costs amount to approx. 1,500 Euro (rent, insurance, pension, Inv I don’t have any other current loans. Children are not currently in planning, just like another apartment. Alternatively, I also find the Focus ST-Line with 150 hp (Bj. 2019) very nice. It would be less for about 4,000 euros. That would be a more sensible solution, but you don’t have any other fun aside, do you think it makes sense? Dear greetings and many thanks already! Julian

Hello! There are quite nice computers on the internet that calculate what the km drive costs by car. The problem is that they throw everything into the balance like insurance, taxes, etc. But that doesn’t quite fit, because the car is registered anyway and taxes I pay also, whether I don’t drive with it for a while or not. I’m interested therefore, how I can calculate what the km drive costs me without these o. g. factors. needs to calculate for the distance and the wear. That’s almost it, isn’t it? The loss of value may be even more pro rata, because it also loses value, if not driven with it. Does anyone have an idea how to calculate it reasonably?