Category: Auto-Finanzierung Forum

Moin to all hope that I am right here. When I went into the new negotiation with my boss, I was offered a company car. However, since I live 40KM away from the company and the list price is about 5000€ gross of the vehicles, of course I have a lot of charges, that it would certainly not count on the 1% regulation. Now to the question. If my employer after the cost is offset e.g. a rate of 300 euros for the vehicle monthly to Za But I would be willing to explain the costs for the company car, would theoretically not have any money worth advantage any more. Could this work in some way? I have already ringed at the tax office but they didn’t know any more. The tax consultant is on vacation and the decision should be made at the beginning of the week, since the orders should go out there. Hope you can give me a little tip (: Dear Greetings)

Hello together, I know that there is already one or the other topic here. But neither the topics nor the Google search have finally brought me further. No, I would say rather confused. I recently bought a car and partly financed it, for the first time! The seller said in Germany a so-called “carefree package” would be mandatory. On demand what the credit costs would be he meant 2,99% so total X and it would contain everything. fast, about 60 DIN A4 pages are printed and presented one page after another with signature fields. Of course you can say who can read is clearly in the advantage and about it I am also massively annoyed today. What happened: Purchase sum: X down payment: Y Loan amount: Z + “carefree package” Interest 2.99 % = Total loan amount As collateral for the loan the cession of the vehicle and the wage attachment were given. Then follow 3 pages to the credit agreement together with cancellation instructions (1 4 days) and some pages GTC ́s for payment, what happens if, use of the card functions etc. Following 2x insurance information including cancellation policy with 30 days. The insurance consists of 2 packages, 1x death, 1x unemployment etc. In addition, there is there, which one receives the documents together with cancellation policy again within one week and the cancellation period of 30 days from there applies. Now more than 20 days have passed and I still do not receive the documents again Only a “welcome letter” from the bank with the summary from the credit agreement (a Din A4 page). Well, can I really revoke the RSV separately within 30 days? Does the credit agreement remain unaffected by this? I feel a little messed up as the interest rate has nothing to do with 2.99% at all. In addition, I already have various insurances to cover all the mentioned risks. Since the car is already picked up and registered I do not want to use the I would like to provide extracts of the contract if it helps to clarify the situation clearly. VG

Hello I’m new here and have a few questions at once. I bought a new car last week. About half of the purchase price is financed by Commerz Finanz. The dealer said that it comes out the same with the financing, whether I take the RSV with me or not. I now have favorable interest rates. If I had omitted the RSV, the interest would have risen, so that I would have come to the end almost the same amount. Sound plausible first. For this RSV I pay approx. €550, which were included in the financing (at 1.99%). Questions that appeared afterwards:1. Can I cancel this residual debt insurance directly at the bank in writing?2. If so, is this reasonable in retrospect? Or do I run the risk that something will change in the financing afterwards (higher interest rates etc.) and I may even be worse?3. In the case that I pay a higher closing rate and trigger the loan, I would get about €550, which was included in the financing. probably a part of the RSV refunded? Or is there no possibility? Dear greetings, Sabse

Hello and good morning, the rough guidelines for company cars with private use are known to me ( 1 % of the BLP // 0.03 % monetary advantage ). Now it should be so, if you use the car exclusively, which then the 1 % regulation does NOT apply. Does this then also apply to the money values advantage? With the company car purely official journeys ( customer visits udgl. ) should be carried out, but also the journey from the apartment to the first workplace. Here I have several times Since my way from the place of residence to the workplace is 90 km (one way ), the money-value advantage ( 0.03% ) is already a house number in my case. It is clear that the AG must expressly prohibit the private use (in the employment contract or ), a “normal car” for my private journeys is of course available ( my wife and I each 1 car ). Is there an idea?

Hello dear community, in short the facts: I am 24 years old, finish my dual studies in October and get stuck in my company with a good 2 net salary in November. Since I will then be dependent on my own car, I would now like to choose my car in the next few months – the choice is a young used (10,000 to 30,000 km) BMW. I really only care about the comfort and the look of the car: automatic, multifunctional steering wheel, seat heating, xenon headlights and the “new” facelift (i.e. year of construction from 2015). According to my current research, I am able to get to a 116 – 118 BMW, which will cost about 16 – 20,000. I have not saved anything due to my income during my studies. My plan is not to pay more than 300 euros for the rate by financing 4 or 5 years and to settle the balance at the end. Either with savings, through a sale or a connection financing. I have concerns about my new employment contract because I can’t prove my last 3 months’ salaries. My salary as a dual student is currently 1400 gross, but what I think is too little for a loan iHv 16 – 20 T€. Does anyone have any other idea how to finance the 1er?

Good day together, with the following fictitious situation I would like to initiate a discussion: Let’s assume that the managing director of a GmbH would be private owner of an upper class vehicle (purchased, financed or privately leased). Furthermore, it is assumed that this owner leases his vehicle daily to the GmbH for operational use. Operating user of the rented vehicle is the managing director personally. It is assumed that a company car will not be made available to the managing director (he owns his private vehicle). It is to be discussed whether in this example for the use of the rented vehicle the 1% regulation could be applied. I am of the opinion that the regulation could not be applied because the rented vehicle would be rented exclusively for operational purposes (daywise). Private person can drive the vehicle to the company (delivery) and also drive home again as a private person (pick-up). In this respect, the control of the way between the apartment and the workplace would not be applicable. In addition, the question arose here, whether to support the circumstances a journey book would actually be to be kept? For the days outside the rental of the vehicle to the GmbH no control is necessary anyway, since the vehicle is as described in the Private property. Look forward to feedback, greeting, hawaii

Hello! I haven’t found an answer to the question so far, so I’m addressing you. If I finance a good used car at a car dealership or dealership, would it be possible not to register it yet? Say: I take the car with me and pay the monthly instalments and of course the deposit, but no taxes and insurance yet. At the moment I drive a Peugeot 206 from 2002 which unfortunately is causing more and more problems. uto in August every day (and almost 100km daily), I wanted to finance a car and put it in the garage, so that it is already there. It would be stupid if the engine suddenly stopped starting from the old car and I didn’t come to the new job (bus and train is unfortunately almost impossible in my village). Is it possible to pay and pick it up and register only when you need it?

Since my new used car had bigger repairs in the last two years, I sat down and looked at the invoices of my old Golf 3, I came to the following numbers: In 10 years (and 130,000km) I had 3,500€ worth loss and 4,500€ repairs, in total 800€ per year on average, not counting taxes, insurance, fuel, tyres and inspections. For 800€ a year I could not even lease an Opel Adam, I assume, I have a Is this a milk girl bill? My new used man lies in the year’s average with the golf, which has calmed my mind again. What do you think?

Servus people, I am now 20 years old and I am now finally out of the probation period. At the moment I drive a Seat Arosa with 50 Ps. I bought it at that time for just under 600 €, because I was 100% sure that I would destroy something about it safely. Did not take long as I took a pillar in the parking garage ?? Now it should be so slowly a new car, My financial situation is very safe. I am now the 1st year learned and working in the tool build at VW. Of course it would be obvious to take a car over the company, but I actually want something different than I see at work every day. I earn just under 2.6 net and after all the deductions still over 1200€. I don’t need a very big car, of course if there’s a nice station wagon in it I say no, but I’ve got another small car or a limousine. I’ve looked around the market and I’ve come to the decision, In my opinion, new cars are nonsense for me. A young used car or an annual car is more appropriate. In general, I find the new Opel Corsa or the new renault Clio, for example, very appealing. Look forward to your opinion and any suggestions.

Hello, I’m new here and I need your advice. The following has happened. We got a new car in October 2017 that runs through financing. The car letter was sent to us so that we could register the car. At the handover in the car dealership we handed over the car letter again. (We have a confirmation for this) After several months we noticed that the bank has not booked any instalments to date. After consultation with the bank, she said that she had the In October 2018, the car dealership arrived at us and wanted to have paid the purchase price of us within a few days. We clarified to the car dealership that it was a financing and that we had also reported to the bank about what to do with the debiting. According to the car dealership, they did not have a car letter and after repeated returns, the car dealership would not have paid the car. 2 weeks later, the dealership said that the car letter was probably lost in the mail (I have to say that in October 2017, the car letter was sent to us only as a normal letter). Now we should arrange for the car letter to be offered so that we can have a letter in our hands again, or have to send it to the bank. Yes, I am aware that I have entered into a purchase contract and have to pay for it. he, which is not quite clear to me, why does a car dealership only come to mind a year later, supps there is still not paid a car? And now also muddys the car letter and we have the racing shop to apply for this new. We certainly still bear the costs. The question is now also, the financing remains or statute of limitations because it has not (yet) been used. LG Matthias