Category: Auto-Finanzierung Forum

Hello, I have done a little bit hard with the title award. I hope, because you can still see what I mean at first glance. The following: I would like to buy a new used car. This should be financed. Now I have found a great offer from private, where I would really like to hit. In order for the monthly rates for the new car to fit into the frame, actually the old car would have to go away first. However, the potential new vehicle can be sold any time. We can spend 230,-€ per month on the instalments. The average amount of credit is about 17000,-€. Now I have already calculated various car loans, but always without a final rate. The new vehicle would cost about 21500,-€. That is, without selling the old car I have a difference of about 4500,-€. How do you solve your problem? such a dilemma? Could your banks/credit institutions recommend working with a closing rate?

Hello, I have a question for you. 🙂 I live in a very well-kept area and currently also earn quite good money. I always wonder how people buy expensive cars? Neighbors of me have a current E-Class T model 350d and a new Range Rover. Both cars I value at 70-80.000 euros each? How do you finance such cars? Do you buy the bar? Or are such vehicles only leased/financed? I bought my 2013 passat for 18,000 euros and found the I don’t know, but if I’m going to drive a new E-Class, do I have to lease it? Or do I save 50,000 euros for 5 years and then pay it in cash in one fell swoop? Classic financing with a small deduction and 30,000 euros end rate are the same only in blue, right? How did you do that? I’d be interested in your opinion and experience, Greeting Andy

Hi, here’s the thing, I’m still getting started and I have a car in sight. Unfortunately, it’s about 300km away from me. I can’t let go and WILL have it. I’m still confused with the order… I want to do it so that I can pick up the car immediately if I’m on the spot. So don’t drive twice for re-registration, etc. Is that possible? I imagine this something like this: 1. I call the dealer and tell him that I want to take the car with me immediately when I buy it. e. 2. I go to the insurance company and get me the so-called double card. So, but since I don’t have the vehicle tickets yet, so I don’t get the double card either? That means again that I get the papers first, get back, get the double card again, and then pick up the car again? 3. But I’d like to do it all in one. Ginge that? How about these five-day badges? People help me, I really want to get through nander. As I said: – Driving, paying, license plates and then changing with the bought car… That would be my favorite. But this change of registration, license plates, insurances somehow hinders me. Would you be grateful for an explanation. 😉 Ahoi!

Hello, I have the following “problems”: Leasing or financing?! I know the question has already been asked a thousand times, but I think it’s a bit tricky at the moment. What’s my problem: I have today as a freelancer without an employee of VW 2. Offers, where after 3 years exactly the same amount stands, i.e. Leasing and financing (1.9 percent) cost me the same price. Of course, the rate of leasing is lower, but due to the VAT I come. At the end the same thing. Prerequisite: After 3 years the vehicle goes back. So far so good. Now my questions: 1. Getting out of the financing will be expensive, because the remaining amount will be about the same in the course of buying out – for leasing it is certainly similar. I don’t want to get out of it, but I would like to know about the „worst case” … We were with you? Out of the leasing contract and the cash register rang to the dealer? Or to hand over the vehicle via leasing exchanges? a really someone? 2. I would make special payment when leasing, because I have had a very good year so far and would use the tax which offers me leasing there. Do you see that similar? 3. My dealer thinks that after the leasing I could easily take over the vehicle, he is even happy if that would happen. Should I be suspicious? 4. There is a residual sum in the financing, which seems somewhat high to me in contrast to the then probably available vehicle value. buyer thinks: We (VW) want to keep the rates small. Speaks for leasing, because here I would pay the “market value” if I wanted the vehicle, so the seller. How are your experiences about it? I am looking forward to your opinion.

Good evening together, I’m considering buying a new car Audi A4 Avant/A5. A few years ago I bought an Audi via APL (intermediate), and the transaction went without problems. Now I thought I’d write to the dealer who sold me the current car directly about an offer. He doesn’t make the percentages that APL is passing on at the moment. However, he asked me if I could register the new car via a trade, since he’s paying me €2,500. I am self-employed (individual company), but I have never used my car for the service until now. The seller told me that the registration can still run privately over me. What exactly does this mean? In order to check whether this is possible, he needs my trade license.

Hello dear community, I have an exciting question. I would like to tax my vehicle using the travel book method. I have bought a travel book for this. As far as everything is clear and simple. Now the following: I am self-employed, in my commercial license is address(business office) A my residence is located in another city and has address B. Business I always drive directly from my apartment B to mostly different places C. The travel book has 3 columns (business, private) So I never put anything in the column (housing/work) because I don’t have a daily working week. My tax advisor told me to just re-register my business to place B then the topic would be done. But I would like to leave my business at place A. So is there the possibility to leave my business address on place A without tax disadvantages? If I always leave the column (housing/work) in the travel book empty, that would be financially favorable, all in all gs could then ask the tax office why I even have the business on place A if I’m never there. I hope you could somehow follow this construct. I hope for a few stimulating hints … P.s the tax office should not accept the travel book, you would tax my vehicle at a flat rate with the 1% regulation. In this case, set the path between place A and B, simple distance times 0.03% of the list price. That would be fatal . Although I never this distance I don’t know how the journey book method is designed with respect to journeys between A and B. Flat-rate actually doesn’t work or ? You realize, I have problems Thanks anyway for what enlightening …

Hello, I need the help of the community in order to become clearer in my project. I need a new car at the end of this year, my old one I have already sold. It is now to become a Golf 7 or a Seat Leon. As a purchase price about 16,000€ with the desired equipment and kilometers due. I do not have the necessary small money at present and would like to finance 6,000€. The purchase of a new car should not dissolve my complete reserves and should I have already looked at the Internet and have come across various offers. I am not interested in balloon financing or 3-way financing. I would like to cancel a loan over 600€ and then over 24 months a month. However, I have not yet decided on the “Finale” car. I am afraid that the good offer is already out of print until then I have the car loan f for this vehicle. Now to my actual question. Does the car (e.g. ING-DIBA) have to be already known about the vehicle, km and price, or can an estimate be entered here? Or should I prefer to take a loan without an end-use? I would like to have the money at home and can then react directly to a good offer and buy the car. How would you handle it? Thank you!

On the subject of negotiating prices: The media coverage gives the impression that the prices of all goods and services can be negotiated freely. First of all, lower the broadcasting fees and the price of your daily newspaper. Because these are the media that you encourage as a builder to negotiate prices. For example, in the corner bar you can eat a schnitzel that might cost twice in a good restaurant. There’s hardly anything in this world that can’t make anyone a less bad one and sell something cheaper, and the people who are only guided by the price will be the just prey of such machinations. It’s unwise to pay too much, but it’s even worse to pay too little. If you pay too much, you lose some money. That’s all. If you pay too little, you sometimes lose everything, since the object you buy is the object you buy. The law of the economy forbids you to get a lot of value for little money. If you take the lowest offer, you have to count for the risk you take, and if you do, you have enough money to pay for something better.

Hello together, I have a relatively big concern, hope that you can help me further: The following case is available: From August I will start an apprenticeship. Net is available to me about 600€. In addition I go with min. 350€ into the training period, due to a rising savings contract. I think that I will drive about 16-18 tkm per year. Now my question is, is it worth a little petroler? Or does it consume too much fuel?! A diesel is probably difficult i I think that gas car is a right option, but what do you propose with my financial resources? Taking up credit at the house bank? Or financing at the car bank? Or even leasing? I hope that you can help me further, VOrschlägen what you would do in my place. Sincerely, I would like to thank you.

Hello, I have a GSXR 600 BJ 97 for which a dealer would pay me 3000 Euro if I bought a motorcycle from him. I probably want to buy a Kawasaki ZX10R BJ06. I earn 400/450/500 as an apprentice. The training starts in August. In addition, I have an income of 192 Euro secondary earnings, at a company where I am already employed for 1 year. Live with the parents and have no fixed expenses. What do I have for credit possibilities?