Category: Auto-Finanzierung Forum

Hello, I am currently in the first year of training and have about 900€ net available. Since I live at home, my current car is slowly giving up my mind and I am dependent on a vehicle, but still wanted to remain liquid, I looked at some possibilities and found out about the keyword car subscription. I have just entered all my data in the portal and shortly afterwards there was a Schufa-information and the result cut me out of my socks: “The result I have only had two contracts (still) and have been running for years. Once this is my Sim contract and once my gym membership. The amount of 319€ would be to be paid – just because of my already formed reserves. Now I have also requested a data copy from the Schufa to check what is lazy. Do you think that it is only a matter of time before we can get back to you. m Income is that this is too low or do I probably have any entries somewhere? Even if the broken subscription is not so tragic now, the negative information makes me a bit of a headache. Had never got anything on installments before and never had to pay any reminders, which actually means that I am liquid, or am I stupid and don’t look through somewhere? Thanks in advance!

Hello, since my Mitsubishi Lancer has now soon TÜV and it is hardly worth repairing it and he honestly also consumes too much, I am on it and turn to look for a new car. It should not be much smaller than the Lancer and definitely a bit more economical. For the information, the Lancer is built in 2014 and has 184tkm now on it. First I loved with a Renault Arkana, but then my partner can in the O-Ton:”Are you crazy such an expensive What if you die?…” She buys cars for a maximum of 10-12000€ (for the price you get at the moment only a Corsa) and said that I have to pay at least 1500€ in order to be able to afford it. My budget that I have left per month is just over 1000€. So much for it. I drive to work almost 90km a day, so the car should be really reliable and already some com How would you do this financially? First repair the Lancer again, continue driving and save more money? How high should I choose my budget maximum?

Hello municipality, with my previous employment relationships a car was either inside or not. But now I am asked if I want one. The car policy is relatively strict, there is a passat with pre-defined equipment and a leasing rate of 435 EUR. I have unfortunately not yet gross list price. The fuel is paid by the company, private use is allowed. I know that I have to tax 1% BLP plus 0.03% per KM. The downside is a salary waiver of 250 EUR per month. o 3000 a year. Gross of course. That’s what I’m about to do… Is that good/bad/normal/unusual? Is there a formula that calculates this? Thank you for your comments I’ve just expected an estimated BLP… What I can get out net with car would be 422 EUR less… Already a batch.

I get a company car from my employer every three years. Since 01.01.2018 new regulations have been in force, which not only specify a budget, but also directly vehicle types. Now the problem is that we are a family of five and none of these vehicle types can be used for us. I approached our company and have another vehicle T6, which they reject, however, although I would bear the costs that are above budget. You don’t, it must be at least one pass. Then I suggested that I would like to have a pure service car without 1% rule because I cannot use the service car privately. That too was rejected. What should I do now? Can my ARbeitgeber force me to the 1% rule and to the vehicle type? Should I actually take a pass which is still taxed at 1%, even though I can’t drive a meter with it privately? Thanks for your help PS: So far we had a BMW Gra n Tourer, who was already sewn on the edge. Now the children are 3 years older and it is no longer possible with the best will with this car.

Hello, we bought an Audi A4 factory service car yesterday via an Audi center or financed 1.9%. In case of signing, the seller came around the corner with a KSB Plus (approx. 1000 euros). On request, he said that the KSB must be taken otherwise it cannot be offered to us on the terms and conditions. Since we absolutely wanted the car, we agreed for the time being. Yesterday evening I again agreed to the terms and conditions (europ. standard info consumer info) durc hlest. Here it is clear that the insurance is not a prerequisite for the credit (is insurance mandatory prerequisite for the credit -> No). Furthermore, in case of collateral for the credit only the salary and the car stands. Therefore I could withdraw the KSB plus nevertheless without endangering the credit agreement or? Does one already have experience with it and can help me? I want to call in the car dealership today and ask again, unfortunately the Verk Don’t spend the week in the house and I’d like to do it.

Hello, I have now rented a cabio 4 times for the alpine trips with my wife in the summer, always so 10…14 days. Three times the Audi TT and once a BMW Z4. The BMW was a mistake 😉 For this summer I wonder if it is cheaper, e.g. in June or so, to buy a car used, and then to sell it again in September or so. Is the thought right that this is then the car I want, and secondly to get the rental company (sixt) cheaper ?

Hello, I would have been interested in how you estimate the loss in value of premium brands in the years 4-6. After the future is clearly in electric mobility and now slowly the phase begins, where you could drive the last time an R6, V6 or even V8, I deal intensively with the question. For example, you can find a BMW 340i or a MB C43 AMG currently for about 38-45k Euro depending on the equipment. Most then have a mileage between 30,000 and 60,000 km. J Finally, I wonder how high the loss of value will usually be if you drive 15-20,000 km per year yourself. In addition, some wear parts will have to be replaced and repairs will be added. The last few years I have always leased and calculated costs, usually a maintenance package was also included. So I knew quite exactly what the car cost me per month. If I now put in 40,000 euros, the risk is completely with me. I realize that n iemand has a glass ball, but if I should only get 20,000 euros after 60000 km and in three years, then the monthly loss in value is already immense. In addition, there would be further investments for repairs and services etc. Have you already gained experience or should you just drive the car for more than three years?

Hello together, due to the current situation I think about financing my little garage gold afterwards. Basically the following conditions would prevail: – excellent Schufa score – housing situation secured by family ownership – completely debt-free, never bought anything on pump, no installments, mobile phone contracts or the like to pay – owner of three historical vehicles , of which 2x Mercedes-Benz. fully cascade insured, with older Classic Data-certificate. So far so good Unfortunately, I’m a student again, so I don’t have any unsolicited payrolls, and my income is currently rather irregular, but it covers my living conditions. Now, however, I’ve been thinking for some time, due to the high inflation rate and slowly rising interest rates, of course, to burden the cars with a car loan. Of course, I want to count on a very sharp pencil here, but do you think that a bank would lend me a balloon loan under the above circumstances? t of about 30-35% of the fleet, would grant with high closing rate? I mean, the cars are not new car everyday vehicles with high expected value loss, but a fairly solid investment, and the sum obtained from it is of course reinvested rationally. Securities loans have significantly lower interest rates. I would like to go to the bank, and say: Hey, I own this, this and that, here are the proofs of value and ownership. I would like to have the sum X to the confectionery a car loan or better..? Here are the vehicle letters as a pledge. My house bank seems to have little interest here, and suggested an appointment in two and a half weeks.. Do you think this could work in general? Many greetings

My current lease runs until the middle of next year. I am currently considering buying an e-car below 40,000 € for the time after that, rather than leasing it. For 2023 it was announced to reduce the promotion from 9,000 € (BAFA + manufacturer discount) to 6,000 €. Now I am thinking about how to continue in 2023. The currently preferred car has a delivery time of 5-6 months. Discounts are currently almost none and the leasing offers are becoming increasingly expensive. I could still stay until autumn/winter was In 2023 I tried to get a demonstration car. It both had the disadvantage that 3,000 € less subsidy could be pocketed. As an alternative, I would consider just how practical it would be to order the car in the coming weeks as long as a delivery can be assured in 2022. That would have the advantage of the increased premium. On the other hand, I would have about half a year two cars. less than 200 € per month. However, two cars would have to be insured (I don’t want to fully unsubscribe the leasing car). There is also a certain residual risk regarding the premium. Final decision does not seem to be the reduction to 6,000 € yet. Maybe next year there would be more discounts by the manufacturer himself to compensate for the difference. This is currently difficult to predict. Have you ever dealt with such a procedure? Is it useful?

Today I drove the Fiat 500e and was very pleased with the car. The driving behaviour has promised me and the equipment I found quite modern and chic (at least in the upscale La Prima variant). With a driving performance of approx. 10,000km annually, mainly short and medium distance in and around the big city as well as every 4-6 weeks approx. 150km highway in the home, I think to downsize. In the car are rarely more than 2 people and much trunk I do not need either. The current leasing rates are not so convincing with the Fiat 500e. With the large battery and the one or other extra equipment (winter package, LED pig launcher, PDC) it will be difficult to find something less than 250 € per month at a term of 3 years. The purchase price would settle at approx. 36k € list price. So after environmental premium approx. 27k €. Therefore, I wonder whether leasing or purchase would be more worthwhile. In order to make the lease more worthwhile, the car would have to be worth less than € 18k after 3 years after deduction of the premiums (at the time of purchase at € 27k) (about 50% of the list price). To the 27k € there may be additional interest if car is partially financed. With the current high premiums, however, I can hardly assess how the performance of e-cars is in the coming years. An advantage for the purchase would be the flexibility, which is important to me. I can well imagine I’m also more flexible about the choice of free workshops and whether I can repair minor paint damage or whether I can live with it well. Leasing on the other hand has the advantage that I’m only tied to a car for a short time. If the car doesn’t suit me in the long run, I can just do this after 3 years. Also, the industry is very fast-paced and who knows who will be able to drive the car. How far the technology has developed in terms of batteries and electric drive in a few years, or how the prices have developed up to then. My current lease runs until next year. So it is to be seen to what extent the BAFA premium is still available next year. However, this would affect both leasing and the purchase. What is your opinion on this issue? Do you have further points that I should take into account?