Category: Auto-Finanzierung Forum

Moin people, I have been reading here for a few years, but could not contribute to discussions so far. Therefore my first post (and at the same time first thread): I am looking for a used car leasing for max. 500 € per month (incl. VK with GAP etc.): Car: A4, 3, C-Class, Passat Equipment: Diesel, Automatic, Tempomat Running time: 12 to 24 months Running time: 30,000 km / year I know the usual GW-leaser (with the HLA it almost worked, however they had the car between Now I’ve come across www.gwleasing.de. Has one of you already had experiences with them or have you heard about them? P. S.: No, I can’t lease a new car because I’m a freelancer and only finished my studies four months ago -> Credit rating = 0. And yes, I’ve calculated it: for about 4,000 € a year a young, German middle-class vehicle at 30,000 km -> unbeatable P. P. S.: I’ll be connected to gwleasing.de and update here if someone else is looking for experiences with them. Thank you

Hello all, I am currently in promising contract negotiations with a new AG. Since my new job is about 90 km (simple journey) away from my place of residence, one of my conditions is the position of a company car. I have now read into the topictile already. However, it is not clear to me yet. I would like to turn to the following example. a) My desired gross wage is 4.500 p/M b) List price of the company car 20,000 EUR c) Distance to the Work (simple journey) 90 km To calculate the net wage there are two possibilities:a) The “money value advantage of travel costs to work” is NOT taxed by the AG.Invoice: List price x 0.03 % x km = 20,000 x 0.03 % x 90 km = 540 EUR plus the money value Vortel des Firmenwagen = 20,000 * 1 % = 200 EUR => The gross wage to be taxed is then 5,240 EUR ( 4,500 + 540 + 200) => Net comes out then 2,270,86 EUR) The “money value advantage of travel costs to work” is issued by the AG. invoice: List price x 0.03 % x km = 20,000 x 0.03 % x 90 km = 540 EUR Minus Paschalization ceiling (= what the AN can sell in the context of its tax explanation about the advertising costs) = 0.3 €/km * 90 km * 15 days = 405 = 135 EUR must “Only” be taxed by the AN plus the monetary values of the company car = 20,000 * 1 % = 200 EUR => The gross wage to be taxed is then 4,835 EUR ( 4,500 + 135 + 200) => Net comes out then 2,482,77 EUR Conclusion: You can see deutl (b) for the AN as clearly better than variant a). What is not quite clear to me, however, why variant b) should also be better for the AG ? This must pay the travel costs for the work path in the amount of 405 EUR plus the tax on the 405 EUR (i.e. 405 * 15% = 60.75 EUR). In total about 465 EUR. In variant a) does this pay all the AN ? I hope you could understand where my problem hangs. According to literature, variant b) is both for the AG as well as for the Au ch the AN better than variant A) In advance thank you for your help

Servus, I have a question and that’s what I have to get a Golf 7. However, not as a cash purchase but financing. At the moment I earn 350€ a month & the car would cost 250, the VW Bank gives me alone with this naturally without a guarantor not this credit. Now the question: How much would my income have to be that I can finance the amount of 250€ without a guarantor? there is something like a table or decide the times so? Of course I get from my parents still money for fuel and from time to time also what of grandparents etc for insurance but as guarantor they do not want to be registered. Another question would still be if I could get the credit only on me from 600€ monthly income then I could also work also where other work e.g. for 250€ so that I get total to 600€ or does not go with 2 different salaries or do I have to tax the money then or not ? Thank you

hello, I finished my training last year, now work since november 2012 in a permanent job in another company. since I have to drive about 35km to work every day, I got a scrap box for 500 (opel corsa). that I need a new car sooner or later was clear. now I thought to finance a used car over a relatively short period of time. an audio a3 8P for approx. 7-8,000 euro. (year of construction 2003/2004, up to a maximum of 130000 km) I am 23 years old, earns approx. 1350 euro net in public service, indefinitely. I would have to deduct 200 euro from the net salary for petrol, so I still live at home no rent. I wanted to put away 400 euro for the car (for rate and maintenance), so I stayed about 5600 to live. until May I would have about 3000 euro together, which I could take as payment. so I would have to take still pimal daumen 5000 euro credit, which I then in a ze at the end of the year I get a special annual payment, about 80% of the salary in addition. I would also get back by the tax return also around 2500 euro, due to the travel costs to work. for me actually the reason that I would have paid the 5000 euro relatively quickly. I always wanted an audio and the dream I would like to fulfill now simply. about the financing you could argue about now, but I want to j not waiting another 1 year. what do you think about it? is that portable? did I miss anything?

I am a freelance IT consultant and from 1.3.13 for 12 months with a fixed customer (will probably be extended by another year in 2014). I now want to buy a new car and lease the business. I have about 200 journeys of 40km easy distance from home to the customer. No further career-related journeys. -> 16000km p.a. According to my experience about 4000km private journeys are added, so that a leasing with 20,000km p.a. is close. Share of 80% and the private at 20% For this case it would be useful to keep a travel book and not the 1% regulation + 0.03% for the journeys home workplace. Is it correct for this case to count all expenses for the vehicle to 80% as operating expenses? Pre-tax deduction as well for 80% of expenses. Do I have to pay/tax anything else?

Hello people, have decided to get me a car. It’s my first car I’ve been standing in my professional life for 1.5 years thanks to God and have an indefinite contract. Found a beautiful BMW 116i 2007 year of construction and would like to finance it. 7.900 € VHB should cost it. I can pay 2,800 € myself. So after negotiation should be about 4,700 € to be financed. My question: Which bank should I do this best? Of course I have in my Bek In my case, the BMW Bank. However, in the online comparisons only the house banks are displayed, e.g. Targobank with the supposedly best condition. I am confused and do not want to make a gross mistake in the financing. I want to pay the car for 3 years and can keep the rates flexible or make special payments. However, since I am an absolute newcomer ic h Advice. Can you help me? Thank you in advance Greeting

Hello, I want to sell a car online for the first time and I am faced with many questions and few answers, hope someone can help me here. Pictures are made and the car is ready to be put online. I bought a prepaid card because I don’t like to put my real phone or cell phone number on the net. But how exactly does this work now? I put this in and it calls me three people. I can’t order all because in the stupidest case two drive for free, no one wants it either. Does it mean if I have an appointment I don’t accept any more ? Vlt with the hint that it is possible to have it in x days ? Then someone wants to buy the car….I can’t sign it off beforehand, since I still drive it until the sale. I would also hate to give it away with vehicle registration and letter. There are contract forms in which I type in the sales date and a deadline for the registration of my car for the buyer. r do not sign off and thus build an accident or worse, is this contract then legally usable or liable then I as “still” vehicle owner ? How to trigger such a thing more meaningful ? Which contract forms do you know ? Which one is best suited ? Have now the one of the ADAC here, which looks quite usable . Let your test drives do ? Do you put there kilometers or times ahead which can be driven at most ? And if someone wants to “reserve” the car then, only against advance payment ne hme ich an ? So many questions. Would you like to spare me a lot of trouble…. Is there also somewhere reading what there are so for well-known tricks and abzockmaches ? If there would like to be a bit informed, is probably always better. Hope you can help me a bit ! Many greetings

Hi guys, I’ve read a lot of threads about financing, but my question is another one. How much do you save a month ? So in concrete terms in numbers. I wonder because when you’re young you shouldn’t save or ? Many simply forget that you’re only young once, you shouldn’t cut out the money. Of course you should save, but you shouldn’t be short of “self “. Especially in youth the experiences and experiences are worth gold, beautiful cars even if you are expensive. I save 250 euros a month, and that as AZUBINE. I think that’s enough in young years. I just don’t have the impression of some lives anymore ?!? I also save of course, for example with the car, that I can also do a lot of things myself. No expensive inspections etc. But I don’t mean specifically cars, but generally the quality of life. For example, “let’s eat” or just travel on holiday, or just treat yourself to nice things. also another perspective, so I say yes “How much do you save in the month? ” ( Honest) and for what do you save? Bigger purchase or security thinking? Do you want to stop sometime and treat yourself to something? or save yourself to the rent death? Greetings

Hello together, the question was probably asked X times, but since it is always individual I hope for feedback from experienced drivers. I am 19 years old, soon start an education with 700 Euro (net), of course* the first vehicle must be here! Previous driving practice with both automatic and manual transmissions. Vehicles that are eligible for me: – Chevrolet Camaro 5L Cabrio RS Bj: 1990 (174 PS)Automatics – Toyota Supra 3.0 non Turbo Bj: 1993 (245 HP) Au tomatik – Mazda RX 8 Bj: 2004 (192 hp) Manual transmission – Pontiac Firebird Bj: 1998 (196 hp) Automatic – Ford Mustang 3.8 V6 Bj: 1995 (190 hp) Automatic – Mazda 6 Sport 2.3 Bj: 2003 (166 hp) Manual transmission – Mitsubishi Eclipse Bj: 1997 (141 hp) Manual transmission – Nissan Skyline R34 GT Neo 2.5L Bj: 1998 (200 hp) Automatic – Mitsubishi Lancer 1.8 Invite CVT Bj: 2008 (143 hp) Automatic I know a lot of vehicles with “a lot” of hp, insurance is made on Papa as 2nd car at 85% , car tax and petrol I have to pay everything myself. I am realistic* and know that of the 700 about 500 – 600 will remain (drink no alk, do not smoke, celebrate is also not so, 30 Euro for the fitness studio fix costs). The most important thing! The car is only used in my spare time, work place on the front door (1Km)! With which of these vehicles can I drive “a lot” without holding on to any tank? What would you advise me to do? Cars I can paint from the beginning? Tips grateful except “Buy a Smart, Twingo, Opel Corsa” . Mfg

How do you pay a car at the dealership today? That’s what I ask because I have to think about buying my new car 12 years ago. I’m the type who likes cash and I don’t have a problem running around with €2000 or €3000 or from the bank to the dealer. At that time the dealer was just shocked that I had the €14000 in cash with me. He just meant that you don’t do it anymore… Now my question like this is going on today? What next I’ll be like If the merchant doesn’t want the money, he’s in bad luck.