Category: Auto-Finanzierung Forum

Hello, I want to buy a Mercedes c220 from 2015 with full equipment from 2015. Price would be 20,000€ down payment I would make 4000€ out of my own pocket, rest over a loan from my bank with 2.99% interest x 48 months, would therefore have to pay back just a total of 17000€ of the bank. Now the question is worth it 4 years for a C-class from 2015? Until I have paid off my loan we are in 2023 and what is it then probably still worth. My monthly net wage is 250€ mona Since I’m still living in my parents’ house, I don’t pay a rent, so I don’t have big monthly expenses, except once a year car taxes, car insurance, fuel and smaller costs such as mobile phone contract. What do you say, it’s worth forgetting or better and satisfied with a cheaper car until you hopefully earn more and can afford such a car.

Hello, the following question to you: How can you solve it (or is it possible at all) consider a car as a salary, so to speak. I explain our case: I will get into a company and my condition was that I get a car for which I don’t have to pay anything. My consulting service is, so to speak, the financing of the vehicle. I don’t get a salary, but I don’t want to have any additional monthly costs for the car. It’s a side job for me when you see it this way. So a typical company car wouldn’t be a solution, because then I have to tax at 1%. I would have to earn this net load somehow, so that I don’t pay anything on it… Of course, it would still be good if the employer could let the car run as a company car. Is that possible at all? So again simply: my salary is basically the car. I hope you know what I mean. VG

Hello, I would like to ask you a question about the commercial leasing of vehicles and private use. By the end of 2017 there was a great offer for the Audi A6 on vehiculum. There was the Audi for 366 euros net to lease with 20,000 km per year and 320 hp – without a down payment. New price almost 70,000 euros. Now to the question: the vehicle was only commercially leased at the conditions. By chance my parents have a small GmbH and a friend already a few months ago leased a BMW and g anz flapsig claims that the controls are a joke. You only have to show the business license once, after that you could run the car in principle also via your private account. So sometimes asked so into the blue… is that possible? Do you really only have to show your business license and there are no downstream controls? Thanks & a happy new first!

Hello Together I am in the situation that I make the driver’s license, but my parents can not drive and also find otherwise only difficult companion drivers. However, I know 2 people who like to take time with me to drive, but do not have their own car, but only use car sharing offers. (Lebe in Switzerland) And I have now once used a car sharing offer to drive privately, but it still costs “a lot”. Per hour about 2.5 Euro and per kilometer 50 cent. If you drive for 2 hours fast times at over 50 Euros. (at an average of 50 kmh). It is not suitable for long distance. Besides it still has subscription costs of about 50 Euros for 6 months and still a deductible reduction etc. Now I have considered whether it makes perhaps more sense to buy a cheap used car (under 3000 Euros) and to drive with it. Basically everything is calculable up to now: from about 6000 kilometers it is worth it. Of course, you need I would like to drive a sporadic car and then it makes sense to pay for my own car now instead of giving it to the car-sharing provider. My biggest “fear” and also the most incalculable factor are the repairs that could occur. I have now considered Honda Civics from about 2007/2008, which would have to have at this price with 100k – 150k km. If they come fresh from the TÜV u Since I’m a car newbie, I’d also have an occasion test before I buy it. What are average repair costs per year for such a car? My fear is that it has a total damage after half a year, and I don’t have a car and no money anymore. I like Honda Civics optically, and also regarding the robustness and d I have heard a lot of good maintenance sleeves. Are there other models in this price range that would be recommended in terms of longevity?

Hello dear forum community, I have already read a lot here of course, but would like to describe my personal situation again and just listen to your opinion. My employer has made me an offer for a company car. Specifications: Leasing rate around 400 €, no brand limit, 15,000 km p.a., 48 months distance Workplace: 8 km Private per month : approx.250 km The total vehicle costs are taken over by the AG. I therefore have the monetary value advantage of the vehicle (1% BLP) p Instead of the company car, I would not get a salary increase, at least we have not negotiated about it. I am currently driving an Audi A4 B5 year 1999, as soon as I am young I would like to have a safe and, above all, larger vehicle. I have had an offer for a mid-range combination created by Audi, Mercedes and BMW. The BLP is approx. 62,000 € for all and the leasing rate approx. 430 €. I could also have taken a Skoda but I am willing to tax the 200 € (estimated BLP 42,000 €) more per month. Current gross salary 52,800 € + profit share So per month 4,400 € without variable components. According to the company car calculator, the Diesntwagen 401,93 € net would cost me, I think I should accept this and will probably not be able to maintain a cheaper vehicle privately? Do you see this similar or do you have a few tips? Thank you for your help!

Hello, I’m sure, this has been asked a few times similar, but I’d be interested in your opinion about the individual conditions of the company car leasing of my company. In addition to the (obligatory) money-value advantage, we also have an own share (gross), which is 1.4% of the discounted net price of the vehicle monthly-> so list price for VAT and then discount. Since we have relatively good wholesale contracts, we get discounts between 25% – 30%. I myself live 18km away from work. I have configured two vehicles and would be interested in what you think: What do you think about it? Too expensive? Or OK? Thank you for your feedback!

Moin together, I can lease a car via my employer. The vehicle is used exclusively for private use. It is a full-service leasing (tanks, insurance, taxes, maintenance etc.) The leasing rate is 600€ and is deducted from the gross. Distance Home work : 23km In addition, the 1% rule + 0.03% applies to the 23km, which I can not quite understand, because I already take over the leasing rate and use the car only privately. What would net out come In my opinion, it makes no sense to let the lease rate AND the 1% rule flow in, because you pay double for the car. Looking forward to your opinions. Greeting mH

Good day Dear Motor-Talk Community, for now: I hope that the question is asked in the right subforum, if not apologise. I have a short interest in a used car (Has still TÜV until 2021, is logged in) – it’s also all already settled – also that I have to bring a license plate for the transfer. Here is the problem that it is my first own car and that the car financing would like to take over my stepfather – since it then for My problem is now, (if I didn’t understand anything wrong) that I don’t get a license plate without having an eVB number right? i.e., would I have to take my stepfather to buy? because the license plate actually runs on his name. Or is this transferable? With kind greeting

Good evening dear community I am new here in the forum and would like to introduce myself briefly. I am in the middle of 40 and am currently working in the field service. I get my car (diesel) and pay 1% of the list price monthly. Now I will change the employer and then will need my own vehicle. The work path totals approx. 130km/working day (75% highway). In addition, there are several longer trips in the leisure time. I am looking for an Excel table or calculation help, which me at me In addition, I would compare all costs such as purchase price, inspection costs, tyres, insurance, tax etc.. I have already registered here, in 2014 there was someone with a similar question. The “computer help” was then exchanged via PN, if I remember correctly. My heart beats for the brand SKODA: Octavia, Rapid and now the new Scala. A I’m still open to other providers, and I need your support.

Hello together, first of all, it’s different and second than you think. I have a new car due relatively quickly. As I’m not really informed about the subject of credit, I try this way and hope for experiences of individuals here in the forum. I would have to finance 10,000€ – 15,000€ somehow, because I want to buy a new car before my old one goes back. Basically, there are several possibilities – without valuation: – Dispo (~6.9% interest) – Herstellerbank (will be weigig bei Gebäuten) – Auto credit in general – Consumer credit Now there is the nice advertising with credits + negative interest, which makes me curious, knowing that only a very specific circle of perones can be considered for it. Of course you could now rattle off all portals and destroy yourself the Schufa (is that really so, no idea?) or jmd, has a tip. I think entpr. credit rating is available (Schufa score very good I would say and is about 9 years no loans o,ä,). search is: -credit framework: 10-15,000€ – term: at least 3 months, the highest no matter what the lowest interest rates promise. The possible short term therefore, because I unfortunately need a new car before I return my old one, therefore the “gap”. – interest rate max 1.9% Ev. has jmd nn Tip. VG Jochen