Category: Auto-Finanzierung Forum

Hello all, I am interested in the new 5008 and I drove a demonstration car sample. In the later negotiations I was offered either a financing with 2.99% or alternatively the power leasing. Unfortunately, however, it did not really show whether this is a residual value or a mileage leasing. The leasing for 2 years is currently available for my parameters for -0.5% which would of course be attractive. Now my question.. Actually, I would like to rent the car after 2 years. What is it like with Peugeot? It says on the Internet that this is not actually done. What are the experiences with the PSA in terms of leasing in general?

Hey guys, hope to get some opinions or advice for my situation here. It’s about the following, my wife and I completed a car financing a couple of years ago. Since our financial situation has changed a lot now, because we have also now got offspring and at that time just acted stupid or unthinkingly (you just have to say it like that) in short, the car is just too expensive to entertain us. Now maybe 40% are paid off and the Financing would still run for quite a while. Since unfortunately we do not have the means to redeem the loan just like that and yes also are not in possession of the vehicle letter was my consideration to get out of there as quickly as possible to apply for a debt rescheduling loan, then replace the vehicle and sell it. I am aware of the whole with loss vebunden. By the proceeds we would buy another vehicle and use the rest already for payment. So at least the plan was bi s now, if someone gives us a loan. I heard you could return the car even before the final rate is due at the dealer but as long as we don’t want to wait, want to reduce the running costs as quickly as possible. Would like to get some opinions, tips or something like that. How would you do it in such a situation. Thank you all already. LG

Hello, we are looking for a new car for the family. We still have a small car, but there are only small costs for insurance/tax, nothing else. For the new car we would be willing to spend up to 60,000€, it would probably be a 2 year old. Insurance due to the higher PS number would be at about 1200€ per year. Current income / expenditures: income: 8000€ net household income (+ bonus is not taken into account, however, since only 1x per year paid out about 10,000 €) Expenses: approx. 350€ We wanted to pay 20,000€. Problem is that the interest rates are now at approx. 6%, with many computers we would lose approx. 3000 – 4000€ to the bank, maybe we get a better interest if we speak directly with a bank.

In 2010, the number of private insolvencies reached a new peak. With 139,110 cases in Germany (plus 6.4 per cent and 8.412 more cases compared to 2009), the bankruptcy statistics outperform even the previous record year 2007. Young German citizens are particularly affected. Although the statistical debt total for young adults is below the federal average, the number of creditors is higher than the average bankruptcy. according to which the 18 to 25-year-olds bring it to the highest surplus of all age groups of 27 percent compared to 2009. The average debt level for German citizens in private insolvency amounted to almost 33,000 euros in 2010. But the prospects for 2011 are still clouded: “Case figures are expected to be at the same high level as in 2010,” says Bürgel Managing Director Dr. Norbert Sellin. … Private insolvency is unemployment, permanent low income, failed self-employment, separation and divorce. Moreover, lack of experience in dealing with finances and banks, inappropriate consumption behaviour and decline in income are often statistically leading to the debt trap.

Hello friends Bin new here Have an important question I have the possibility to get an Audi A 3. It costs 15,000 Tausen Euro.From my best colleague the dad wants to give it to me.I should pay 400 Euro monthly.The dad of the colleague is also in the vehicle letter.He will also keep the letter until I have paid off the car.My question now:Will I still stand in the vehicle ticket if I register the car or does it only work if I stand in the vehicle letter??? gru ß Benny

Hello, I wanted to have a loan of approx. 15,000 €. The swk bank has agreed, but I revoked the application, because my employer has no fixed network number (!) and therefore no one is available in the office. After explaining my consulting situation we did not get any further, as a mobile phone number was not accepted by the managing director. I earn approx. 2 T€ net and have fixed expenses of approx. 1400 €. To finance I have 500 € available. In the Schufa nothing negative is noted…. On because of the bad experience with the swk bank I wanted a loan with the ingdiba, santander or dkb. In all three I got a cancellation…….very strange! Mind you, I compared several providers online and had the Schufa checked with an indeterminate result. My question: 1. What went wrong? 2. Does a revocation have negative consequences with the Schufa, although one has not entered into a contract? 3. What alternative do I still have? No, no, no, no, no, no, no.

Hello all, I plan to purchase a VW Passat Variant (or comparable).Selected configuration at dealer: 140 HP Diesel DSG Highline incl. xenon, small navigator, winter tires, cruise control and keyless access. (list price c.a. 40000 EUR) Merchant releases the following leasing rate after negotiation: 395+USt.= c.a. 470 EUR. (48 months, 20,000km, deposit zero) My question to the somewhat experienced people in this field: Is this a good, mediocre or rather bad offer page ns of my VW dealer? Has anyone here perhaps even comparable values of own collected offers for similar cars (also from other brands)? I have often seen advertising from BMW, for example, that there are for 300-400 EUR gross without deposit proper 3er Kombis to have. Somehow this seems to me however rather low, or is the offer from the dealer for me only far too expensive? Thank you already.

I’ve only recently been mingled into this subforum “Financing.” I came across it by chance and find it very interesting what I’m reading here. I’ve found out that there are, of course, funding supporters, but also opponents. In the camp of supporters there are those who choose funding for various reasons, but are aware of what they’re doing. And then there are those who obviously work for them. I would like to make the following calculation example especially for those who want to think: Let’s assume that someone (person A) wants to buy a new car worth 25,000.- Euro, so typically a well-equipped car of the compact class or the lower middle class, is a wurss. Could also be a younger used car, doesn’t matter. He (or she) already owns a 6-year-old Wa This car has a current value of approx. 7,500.- € and is available as a deposit for the new car. Further financial resources are not available, nothing has been saved. The missing difference of 17,500.- € is to be financed over 3 years. Person B wants to do exactly the same, has also the same used car, but has already saved 17.500.- € and pays cash. Question: What is the financial status of person A and B? after three years? Premises: – Only the difference should be considered, i.e. the 17.500.- € advantage, with which person B enters the race, are then deducted again. – The saving on person B was possible, because person B at the beginning of the car career cycled for several years, when person A already drove the first car (…or B has driven an ancient grotto for several years, or what do I know, doesn’t matter). – Both people have always otherwise ex Act the same net income! – However, for the next 3 years Person B will invest exactly the amount that Person A is involved in financing into an open real estate fund with a guaranteed return after tax of 5% (not taking into account expenditure surcharges). i.e. the monthly additional charge should be exactly the same for both persons. – Person B should have advantages over Person A in the negotiation of the actual purchase price as cash payer. – To compensate, we assume that in return Person A can finance the vehicle at 0.0%. Person A: – Starting status Used car value 7,500.- € – Monthly burden due to financing: 17,500.- / 36 = 486.- € – Status after 3 years: Used car with 50% residual value= 12,500.- € – Asset growth in 3 years so: 12,500 – 7,500.- € Person A has after 3 years an improved asset by 5,000.- € person B: – initial status used car value 7,500.- € + equity 17.500.- € – monthly saving rate 486.- € in real estate fund/ return 5% – status after three years: used car with 50% residual value= 12,500.- €. Capital in the fund approx. (interest rate not taken into account on a monthly basis): (((((486*12*1.05)+486*12)*1,05+486*12)*1,05 = 19,305,- €. increase: 19,305,- – 17,500,- € 1,805,- – asset growth in 3 years: 12,500 – 7,500 + 1, 805= 6,805,- €. After 3 years, person B has an improved asset status by 6,805.- €. Thus, after 3 years, person B stands by 6,805,- – 5,000,- = 1,805.- € better there than person A, although person A has financed 0.0%! Over a longer period of time, the whole would look quite different, since because of the interest rate effect, person B with its financial status exponentially distances itself from the status of person A. The above invoice is also very ko The reality is that the result is even more in favour of person B. The wealth growth of person A will also be eaten up quite precisely by inflation, i.e. it will not be able to afford a better car next time due to the fact that it now has 5,000,- € more. Its newer will cost about 30,000,- €. Again, both people earn the same thing, drive the same car and otherwise have about the same amount of money. I don’t want to demonise the financing! You can also come up with the idea, even though you have the equity to finance anyway (I have already done so myself), because you expect better rates on the capital market (as in the example) or on the stock market, or because you want to remain liquid, for example. However, this should be reserved for those who are familiar with this gambling. However, for me financing is always a temporary one. r process, and never a permanent solution (according to the motto: from one financing to the next). The banks among you may forgive me my superficial calculation; it should be a model of vision. I am an electrical engineer. So…and now take me apart!!!!!!! Greeting Stuby

Hello, my parents would like to buy a new car and are currently caring with the Skoda Fabia. I’m now trying to find some alternatives to Fabia that meet their requirements. One of the main requirements is the automatic circuit and the price that should be around 13k. I’ve already searched various sites but I haven’t found a list of which vehicles in this case would be in question, maybe someone here has an overview. The second point is the disability discount (SBG 50%). Here there is a 15% discount from Skoda. My question: how to proceed with price negotiations? First negotiate a normal discount and then talk about the disability discount, or put the cards on the table from the beginning? How many % can you realistically calculate summarum? Thanking for all the hints..

Hello, I am close to my first private car sale and would like to ask your opinion regarding the processing. 1. Advertising at mobile.de and autoscout24.de 2. Until the final sale the car remains registered to me to grant the test drive. 3. On test drives I am there. 4. Buyer is interested and we directly agree on a purchase contract (e.g. from ADAC). 5. An appointment is made regarding the transfer with the buyer. 6. transfer of 50-100 EUR (if the buyer jumps off after all, which then at least the expenses are covered) 7. On the next working day the car is logged off and the signs are removed from the car. Furthermore, the registration office and the insurance is informed about the sale. 8. Buyer comes with a short identification mark on the agreed date and there is a money transfer. Then I hand over the papers and wish a safe return journey. Have I forgotten anything else ? cu un_titled