Category: Auto-Finanzierung Forum

Hello forum, I have replaced the loan for my current vehicle prematurely last month. However, because of the notice period I still have to wait until the end of May until I get the letter from the bank. i.e. I transfer three installments again “normal” (March, April, May), and then end of May the whole rest. The following problem/the following question I have: On my current car (Honda Accord Tourer 2005) the brakes, the timing belts and a few other small repairs must be prepared I actually wanted to postpone this and put the car in payment or for a good used exchange. But if I get the letter in almost 2 months it will be almost too difficult for me to drive around like this. Is there the possibility to exchange the letter of the new vehicle at the bank for the old one? So that the almost two months still have the new letter as security? I don’t want to have more than 1000,- Euro in the Au I don’t want to be too “obtrusive” at a bank. The financing is running through the BMW bank. Maybe someone knows what is “growth”. Thank you very much, T. (YetAnotherUser)

Hello to everyone, when I opened the letter of the Bafa earlier, I was rigid! “with the above mentioned payment notice the environmentalärmie was reserved for the period 21.04.2009 to 21.10.2009. Within this period the registration of the new vehicle as well as the scrapping of the end-of-life vehicle should have taken place. According to the proof documents that we have submitted these conditions are not available in their case. With the end of the reservation period on 21.10.2009 the above payment We ordered the golf at the end of March and the golf arrived only on October 2nd. It is the biggest and most famous car dealer in the area and he assured us that we have nothing to worry about! We picked him up on October 2nd and left the old Corsa there a few days later, in the opinion of the dealer had no hurry – he would all erledi But then I got a call that my mother would still have to sign the contract, but that would have time, she could come by after the holiday. On October 18th my mother came back and we went the following days (don’t remember when) and signed it. Everything was great, we were invited to the Christmas party, we were called by the dealer, if everything would be okay – nothing problems. Now this letter! What now? How should I proceed tomorrow? That’s 2500 euros, I wasn’t prepared for something like that, because he would handle everything… and everything seemed to run smoothly. I have to be able to ask for the money from him, didn’t I?

Hello together, what is the procedure if you want another car of another brand during the financing? Will the car (of course with loss) be returned to the dealer and a new car made by the other dealer – or – Is there also the case that the current dealer takes the car back and takes care of the procurement of the non-branded car and adjusts the financing accordingly? So it would work if I had a brand-like wagon and during the financing (of course always with loss). Greetings

Hello dear community, I have come across your great forum by chance and would need some kind of purchase advice. I have now since January my “real” rag (before accompanied driving with 17) and slowly long for the first own car. I have saved a lot of my training fee and have now scraped together a total of 500€. In principle I don’t care about the brand as long as it is not a French or Italian. Perfect would of course be what German . Requirements would be a not too small motorization (not to be pushed by trucks on the highway), as well as an extreme “knotch ball” (fox, micra etc.) Moreover, the running costs should keep in the border area and it should be a petroler, as I will not drive more than 12000 kilometers a year. I hope you can put this one or other model to my heart. I am grateful for every answer.

Hello, first of all, I don’t think I’m right here in the “Financing” area, because I want to hear more experiences. So please tell me where I can move the topic. I’m currently driving an Audi 80, 2.6L. In the month I return on average 1000km, of which 50% city, which is anything but fun with the fuel prices with my current car. 15L Super on 100km are nothing. In addition, the use on the highway over 140km/h is no longer portable. So I’m looking for a used diesel up to a maximum of 15,000€. Since I’m impressed by Audi, it should be something in the direction again, but also like VW/Skoda etc. My big problem, which car should it become now? I think the 2.0tdi dpf with 170ps is so nice, but I have heard so often about problems beyond the 80,000km. In my price segment, however, the engines have already ~150,000km down. Is that too much for the ‘modern’ engines? If you had an older engine (2 ,5tdi), so also cheaper car possibly less running costs? Although I can not imagine that. My rough preselection is with the Audi A3 Sportback/A4 from BJ ’06 with 2.0tdi 170ps. VW Passat, Skoda Octavia RS also from this year of construction with the engine. But personally the A3 says the most. It should not become a ‘spar wonder’, a certain sportiness and a certain degree of comfort and equipment should bring the car with it. However, I am also off for older models. if they reach the current consumption values somewhat, since 15,000€ is my absolute limit. However, for this I may still be interesting, I often have to say hello to Martin through environmental zones.

Hi, I am the Marvin 17 years old, I have had my driver’s license for 11 months and I am allowed to choose a car up to 100,000€ for my 18th birthday. At the moment I still have to gurgle around with the BMW 650 (kotz) from my sister. Since I love Italian vehicles I now have 2 favorites, but can not decide. So it should be either a Ferrari 430 or a Lamborghini Gallardo. Unfortunately I don’t have a suitable subforum for the Marvin ken found and therefore hope that I am right here and can help me some Lambo or Ferrari drivers. So purely optically and from the sound I would prefer the 430, but in terms of longevity I wanted to know if the Lambo is perhaps the better car because there is a lot of Audi in it? Besides, I would like to know if you also know good tuners for the two brands, where you can get some more performance later. Thanks in advance for your answers LG Geeek o

Hello, I have a question… From the 1.08. I start my training and then also have a regulated income of net about 700€. But now my car, which I then also depend on, gave up the mind on time. In order not to get angry with an old mill again, I thought of a used car, which is to cost 700€. But the bank did not grant me a loan, because I do not meet the requirements, because the reckon with a minimum amount of 550€ monthly for d he first person + 200€ for the car, which should remain after the payment of the loan. They advised me to ask for the financing at a car dealership. Flott I found my dream car for exactly the desired price, the seller charged me the financing, tomorrow I wanted to report then… And then I remembered: what conditions do I have to bring there at all? He asked me for nothing at all. Now I stand there a bit stupid: – A payroll kan of course, I also saved a couple of € to pay the first installments, and next month I have a small side job in view – but I can not deliver a proof… – Which minimum wage should one prove exactly?! The bank would be the SantaderConsumer Bank – I am also in the probationary period, gives the problem? – Could someone from my family vouch for the time for me or would that be a problem if the latter were to be able to deliver. ts a loan has been running in another bank? I could seriously cry here…

Hello together, in advance: the search did not give me any useful results. If a similar Fred already exists, then it was not an evil intention. Discussions, whether one should pay a car better in cash or finance there is already a lot here. Also, which types of financing are preferable to others. But I am interested rather the other side, i.e. I want to pay a car cash and put my money aside so that I can even the next – hopefully better – car I would like to know from the cash payers: – Do you consciously put a certain amount aside for your next car month after month? Or do you generally save an amount X per month and if a new car has to pay this from this pot? – How do you put the money on? Savings book is stupid, Giro account much more. Daily money account, funds or savings letters? – At what intervals do you get new or used cars, i.e. with what life span k Alculate? To the background: I will soon buy my second car bar and for me the question arises about the easiest way to do that again. Against the background I found the Fred quite interesting. Thanks already for the answers.

Since I know that when it comes to deciding whether to lease or to finance better, the situation is always important, I now ask for advice and try to describe my situation: Current car: Astra G 1.6 Petrol Kilometers per year: approx. 25000 – 30000 Current KM-Stand des Autos: 120000 The mileage is related to my work. However, the route is mostly motorway. Since I have between 200 and 300 Euro petrol costs per month, a diesel would be very interesting for me. J I was with my dealer today and he currently has annual cars of a former company there. That would be an Astra H (Diesel 1.7) with approx. 10000 km. He would sell them for approx. 11.000 €. I find this is a very good offer. Then we looked at the car and then he suddenly said to me: “Why do you throw out the money like that? Do leasing. That goes with 0 € down payment and a leasing rate of approx. 200 €/month. After that you can leave the car again. And they ha You have a full guarantee and nothing can happen. Be honest and think about how much money they have already invested in their used cars. Why should you do that?” <-- sounds really good and reasonable. Now the question arises, why does he say something like that? Because he wants to/must or because it is really more meaningful? My income is about 1400 € net per month, whereby quite a lot is deducted (apartment, Ben) zin, insurance etc...) So I don't have much money left. The money I have is 3000 €. And even the money I get for my old car (estimate about 3000 € again). That means I would have 6000 € available. My question that I'm asking now is: Well, with 6000 € I could lease a good 2 years. On the other hand, I could invest the money in the "new" used ones and maybe finance the rest for 2 years, but then it would be my own. Or should I really drive my current car to the bitter end? For the next few years I will have to drive these routes and drive so many KMs. Maybe someone has a tip, because I don't know very well about this, am unsure and always break my head.

Hello forum , I know that I’m going to start a wave again with the question of meaning or nonsense. I want to buy a Golf V R-Line TDI and fi nance it via VW. Price approx. 34.000€ / deposit 850€ and then the 3-way VW over 48 months. How high must my net earnings lie about ? ( I am single and have no children) Would be nice if you can throw me some facts and figures in the room, thank you !