Category: Auto-Finanzierung Forum

Hello together, first of all: I’ve already tried google and found nothing directly suitable for my question. Also in advance: I know that I could have regulated this differently from the beginning. e.g. by a cheap used to bridge, etc. This simply to direct the focus directly to the question. So: I ordered a new car in November 18, runs through this so-called 3-way financing. More precisely it is about a Ford Focus ST-Line. The problem here is that I own it. However, my car broke down in October 2018, which is why I drove my motorcycle with minusgrades without matching clothes (Hab ne Sommer/Autumn-Kombi) until November. Since I couldn’t / wanted to go through this until the early jar, I just inquired in various car dealerships and finally ordered the ST-Line, because the ST should only be on the market in mid-2019. I am now wonderfully satisfied with the car – only wanted (and w ill) really the ST. The question here is simply whether there is in general (independent of the dealer etc.) the possibility to give the dealer the car back (clear, with loss on my side) and to rewrite the contract to another car, here the ST. Of course I am aware that I will draw loss from it. I have the contract now at least 3 years and 3 months (I think that not the conclusion of the contract in November, but the delivery in February measured Is there any of you already experience? Please no answers that I have already received. In case it would have been smarter to take a cheap used bowl for half a year. Is not possible now. Oh yes, the contract has been concluded about the Ford Bank, if that is relevant for reviews. I thank you for helpful answers anyway! Have a nice evening and a nice weekend to you!

Hello, I’m about 30 years old and I’m an electronics technician. I’ve been working at my current employer since last year, I’m still in an open-ended employment contract. I’ve been driving my old Audi A3 8L for a few years now, he’s been doing me good services for the years, but slowly the mistakes, the chassis is causing problems, although many things have been exchanged. Now I’m looking for a solution to get a new mobile kit. And on the market there are different ways to pay for such things In the moment, there is about 5000 euros on the savings account. To the car: Combi (passenger class) from 130 kW decent equipment Budget 500 to 25t depending on the car I drive about 50 km to work (back and forth). I come about 15tkm a year. I earn an average of 2200 euros net as salary, this often varies up to 3000 euros, if I make overtime or additional shifts, and of course Christmas money and holiday money. eld. My rent incl. ancillary costs and internet and television is 400 euros per month. In addition 160 to 200 euros for food. If I set my maintenance at a flat rate of 900 to 1000 euros is in any case generous. What kind of purchase of a vehicle can you recommend to me?

Hello dear Motor-Talk municipality, I just signed up because I have a question directly. I also have a bit of a stumbling block in the forum but I’m just not quite sure. It’s about: I will probably return my A1 next June after 3 years of financing and can still pay about 2,000€ due to several kilometers. Therefore, unfortunately, I have virtually no possibility to make a deposit for a new car and certainly not to pay the final rate of the Audi. But I will have to drive about 40.000km a year (without moving) and would also like to drive a comfortable and comfortable car. In addition, the trunk should offer a little more space than the A1. The most suitable models for me are the XCeed, Ceed SW and ProCeed. Do you consider it realistic to finance one of the mentioned models for up to 350€ per month at a duration of 4 or 5 years? Automatic is not a must, if it should be the 204hp variants, I know Would be a higher consumption, which would probably be fatal with my driving performance. Maybe one or the other has an opinion about it and can call financing examples with so many km. Besides, I find unfortunately only KIA dealers, which offer the expensive Santander financing with 3-6% interest rates. No idea where there are dealers, which offer the 0.77 or 1.77% of KIA Finance… Rejoice me to read something of you. Until then, it’s good!

Moin together ! I hope you can help me. I work in the employed field service with an insurance company. For the journeys to customers I use my private car. From my employer I get a RKP which is of course taxed. In addition I run with 3 work colleagues a small office which I go to about. 3 times a week. Since I was still in training until summer 2016, I have no experience with keeping a travel book. Since beginning of 2017 I have introduced a Travel book in order to make the journeys to customers taxable. I am not sure at the moment whether the keeping of the travel book is at all correct. I drive every day about 60 km on business. It makes sense to keep a travel book or am I wrong? I always write in the travel book: date, travel time (when I left in the morning and came back home in the evening), route (there I write only the place. At the request of Fina nzamts I could list exactly where exactly which customer lives, because I have daily reports for my employer), purpose of the journey (usually I simply write “customer dates” and KM-Stand start of journey, driven kilometers (exactly determined by a route planner) and KM-Stand end of journey Sometimes my days also run so that I e.g. drive to the office in the morning to make preparations or take care of customertermien and then I drive back to my customers. then also all trips with this flat rate of 0.30 Euro paid off? There is in my travel book still the column “Visited persons”. I would hate to write the names of the customers there (data protection!). Shouldn’t the tax office really have a problem with that? If you can help me with my questions I would be very grateful to you.

May anyone interested get an idea. 6,9 million Germans are over-indebted (in the sense of sustainable payment disruptions, spending exceeds revenue), which is 10% of the adult population. https://www.boniversum.de/studies/denominated atlas/ In this sense: In the case of debt, you sit faster than some people believe.

Hello everyone, because of an accident one of our vehicles is unfortunately a total damage. For this we would need a reasonably quick replacement. Therefore the friendly Audi dealer calculated us an offer for an A6 demonstration car. Since the Audi leasing for “used vehicles” was not so sparkling, he created an offer about the so-called VarioCredit.https://www.audibank.de/…/auf_eine_blick.html The offer that was created for us is very “leasing-like”. In my opinion, it is too high a final rate. In other words, I personally would not assume that the estimated price can be realised on the market in three years’ time. Now Variocredit offers the right to return the vehicle with a certificate. Thus, the dealer is obliged to take the vehicle back after the fixed term and replace the final rate at the bank. Accordingly, the final rate – in contrast to a normal three-way financing – can depend on me. The only problem that I see right now is that the dealer goes bankrupt and I only have a certificated right of return to him. Has anyone had any experience with the vehicle return within the scope of the Vario Credit? Is this just as straightforward as when leasing? Or do you see other pitfalls?

Hello MotorTalk Forum, I ask you to help me a little bit. Since my old Corsa 1.2 from 2001 is not the best long-haul vehicle, I would like a new car for 100km daily. My route consists of 95% rural road and 5% town or villages. I have been looking for a little bit in the Hyundai i30 1.4 T-GDI DCT N-Line. The look of the car as well as the equipment and the guarantee convince me very much. I need help with the following. This car is available from a dealer as a demonstration vehicle with 3500km. LP is 23.99€ down payment 500€ 48x 428.09 € (3,99 %) + selected comprehensive insurance approx. 191€ Monthly (starter SF 0) would be approx. 620€. At Autohaus24 I have reconfigured the car. LP is 29.489.99€ down payment 5,898.00 € transfer cost 682.72 € closing rate 884.71 € purchase price at the end of the term (optional) 12,090.89 € 48x 241,10 € including all inclusive + CAP insurance. I now calculate the purchase option at the end and d the final rate on the monthly costs I get to 510,xx€. Is that right that I get away with the new car from Sixt significantly better due to the cheaper insurance or did I forget a mistake of thinking or something? I probably know that I would have to pay with an older vehicle probably less monthly, however I would probably be on the safe side with the guarantee of the vehicle. However, I will gladly take suggestions for other cars if you think of any. Thank you

I will change my job soon and have the following options in the new job: Car Allowance ~800 EUR Gross and 0.3 EUR / Kilometer Or a company car: all paid (A3 / A4 level) – I guess that’s about 35K / 40K worth. On the first model I would get gross almost 10,000 more, but must finance the car / workshop / insurance etc., however, that’s my car at the end. The company car costs me about 140 EUR per month from my net income n ( 40,000 x 1% x 35%) This means that I have about 550 EUR available (~400 EUR Net + 150 company cars “Net Negative” On paper, the company car is probably better, because almost all carefree and keep a super brilliant car. But also a car that I would never have bought. I would otherwise finance a 15-20K golf, i.e. my net assets will go up as I can call over a few years yes car my own, which then maybe still worth 8K I can’t judge the performance of the car, but I guess that’s 25,000 p.a. (I don’t have a work path either) Long speech, short meaning – I think I’m financing a somewhat temperate car myself and I don’t think I’m getting better after a few years, or what do you think? Of course, company cars are out of sight, from the point of view…

Hello dear forum community, although I always found the idea of having a “flatrate for the car” (leasing), I have avoided the topic of private leasing completely so far, because I was advised not to do so from many sides. One of the reasons was that (allegedly) in the private sector dealers like to send invoices about subsequently discovered impairments on the vehicle, from which one can not protect itself. I have here already many Beitr I am still very unsure about the issue of leasing/financing, so I hope it’s okay that I create another topic. It would help me a lot if someone could tell me if I really have to be “feared” of such cases or if I can really see the system like a flat rate for the car? If so, what do I have to pay attention to? Briefly to my situation: As a replacement, I am currently looking for a car for the next few years. In fact, I had planned to buy a used diesel for about 650€ for this time. However, I find the idea of paying a fixed “carefree” amount per month for a new car also very interesting.

Hello, I am allowed to drive a company car from January this year, BMW 318 i Touring (BLP 39.200 €). In Nov. 2019 I moved together with my girlfriend due to upcoming offspring into an own apartment (apartment A), before I lived in the parental home (apartment B). Since I was unsure about the steering of the company car I first registered the apartment A as a subsidiary residence, apartment B is still the main residence – at least on paper. Parental allowance I have to register the apartment A as the main residence, otherwise no parental allowance is allowed. (Requirement for parental allowance: “…to stay with his child during parental allowance receipt in a common household”). Since the main residence is by definition “the place where a person is mainly staying”, the tax office would probably not accept it anyway. This results in the following taxation for the company car: company car – 39,200 * 1% = 392 € Remove ng to the workplace Apartment A – 38 km * 39,200 € * 0.03 % = 447 € + 392 € = 839 € Apartment B – 8 km * 39,200 € * 0.03 % = 94 € + 392 € = 486 € Home office is possible, but in practice rather small. Since I have a very good relationship with the managing director, we can carry out the necessary adjustments in the employment contract etc. in order to exhaust the legal framework. Are there a few creative ideas to install my constellation as cost-saving as possible? Am for any tips u nd hints grateful! Best regards Lucky