Category: Auto-Finanzierung Forum

Hello, I have a question to which I find so no answer on the net. The following situation: I have been employed for 2 years in a company on 450€ basis. The company headquarters or the office is 200km away. It is so that at the moment once a month I have to go to the office, make the rest complete (my few hours) home office. Now my boss has suggested me a company car, list price 30.000€. This is also to be seen as motivation. The 1% regulation is known to me and would be ok for What about the distance allowance? Or, in other words, what would the car cost me a month? Yes, I know, I could just wait for the answer from the boss, but the company’s tax advisor is still 10 days on holiday and I’m totally curious 😉 Maybe someone can help me here!

Hello forum, I need a little assessment. You can help me / give me tips. My partner and I would like to finance a car next year. Now the problem is that my partner has a negative Schufa. Ergo I can not take her into the financing with me. The financial sins at that time have been “almost” paid off, but the problem is that these remain in the Schufa files for another 3 years. n is the Schufa and I can therefore not take it into the financing, the bank then only calculates with my salary and deducts the large fixed costs such as rent, insurance, cost of living, and an ongoing loan (which is paid off next year) from my salary. (All costs we share) Earnings are actually not bad. We are about 5k net per month. My salary is 2.5k net. Can I use it to finance a car of your Me so far I have always been able to pay cash for my cars and have not yet had any experience in car dealerships with financing. Thank you Yavuz

Hello, since it is apps and special accessories (pace, vimcar) currently making it easier to keep a fiscally compliant travel book following question, after I have tried out several online tools with contradictory results. In which case is a travel book worth for an employee (conducting employee)? I pay no own share or gasoline costs, the employer pays all-inclusive leasing with fuel card etc. Tax-wise increases my annual gross by about 14,000 EUR: (List) enprice 62000, 30 km easy distance) 62000 x 0.01 x 12 = 7440 EUR 62000 x 0.0003 x 12 x 30 = 6696 EUR i.e. net “costs” me my car with my tax rate approx. 7000 EUR p.a. (all inclusive) I currently drive approx. 33 TKm, of which approx. 13 TKm to work, approx. 4 TKm to other places of work and approx. 16 TKm purely private. Who knows the topic and can tell me if a travel book could actually count on it? If no, I can take the service trips to other places of work. to make tax claims? THANK YOU for your experiences!

I ask the question separately here, because otherwise it is probably going down: residual value calculation by the manufacturer bank for financing: How realistic is this information – is the residual value rather poorly calculated or yet close to reality??? Example VW Passat List price with special equipment: approx. 53.000 € Price after special discount incl. transfer costs: approx. 40,000 € Credit interest: approx. 1.600 € Costs Total: approx. 41.600 € Rest value of the bank with financing with 1.99% over 48 months with Fahrle is this a realistic invoice or too pessimistic and I could expect a higher resale value (at least the offers are never so cheap with the portals with similar age+running performance)? Are value loss models of a well-equipped used one really cheaper, because also wear and possibly repairs come in Thank you very much! Franz

Hi together We’re thinking about financing a sharan balloon financing purchase price 38,000 down payment 15-17000 runtime ? Kilometer 8-10000 So offers I haven’t since our car dealership has problems at the moment, as regards red numbers and so on. Information I wanted to have anyway What do you think of a 0% financing? Since the vehicle price would be however 41000 would be just another Sharan. We’re thinking about driving the longer, which worries me are the interest rates In 3-5 years we will have cash liquid with which we could replace the car directly. However, I do not want to build on it, is only nice that there is the possibility. I think that the vehicle prices will go further up, at the latest when the cold months come. Thanks for your support

Hello, I have been playing for a long time with the idea to buy a new car, especially the Golf 7 GTI. The vehicles interesting for me have running performance around the 60-70t. KM and are built in 2017 and newer. I would not pay the purchase price of approx. 20,000 € at once, but part financing. My planning would be as follows: Purchase price: 20,000 € down payment/sale: 10,000 € remains a difference of 10,000 €, which I would finance. Since I don’t like to be tied for a long time, credit calculators on the Internet spit out a monthly rate of approx. 290€ at 36 months of maturity. My net income is around 1900€. From January 2023 it is 210€ net. With my current income and my way of life I currently have 500€ per month, which I save/invest. I don’t have any other loans at work. I would also like to say that I still have a financial cushion after the deposit, which means that I don’t have any other loans. So I wouldn’t be down to zero. 😉 Now I’m looking forward to your experiences and assessments. Do you think all this is realistic or do I take care of myself? Since it would be my very first financing, I’m rather overcautious here. Finally, I want to add that I can easily carry out the typical maintenance work on the car (brake change, spark plugs, filters, etc.) myself. Thank you in advance! Greetings

Since the used car prices are currently so crazy, I think about ordering a new car. The current car is paid and will probably drive a few km without any problems. Therefore we have no pressure when the new one will be delivered at any time. I set myself up for a delivery time of at least one year (VW dealer spoke earlier of ~ 18 months), but also did not want to wait for nothing. What possibilities does the dealer have to return from the contract to tret We have 10% inflation next year. Are there clauses in the small print that the seller does not have to deliver in “special circumstances”?

Moin, short to the initial situation: – married, 2 children, house for rent, both are permanently employed – salary is high enough (€5400 gross) with free reserve after deduction of all costs of currently around €1000 that I could use – current loans: house bank monthly approx. €390 (until the end of 2025), car of my wife monthly €170 (until the end of 2024) – still running car leasing (until May 2023): €160 – Schufa is with me at 97% no negative entries Have now an offer of Skoda for a Kodiaq RS, kos At present, however, the delivery time is about 12 months, so that my down payment could be at 14-16k at the beginning of July 2023. So net income of approx. €36-38k. If I now conclude the purchase/financing agreement, then when will the financing be “valid”? Is everything triggered about 12 months before the delivery date? So income, employment contract, Schufa etc.? Are the two loans and the leasing “too much” u m another financing that would only start in 12 months?

Hello community, I need your help. I need a family car. What I could pull out of my pocket would be in the range 20k. I don’t drive much: 10k a year. The car would be insured in the underground car garage and with all-inclusive. I searched for a long time and even thought about new cars Kia and Co.. In the end I landed at used 3 Series GT, directly from BMW, means: about 30-50 Tkm on the speedometer and BMW warranty. I even had a test drive and find the car great: spacious, fits in my garage and looks nice. The problem is that even the 320i start with ~30k. My wish car, which would be really fun (from the engineization and equipment) would be more 35-38k. Now I think about whether I buy it and (logically) finance it. I have the reasonable rates with the credit with the closing rate. But somehow it seems strange to me: spend the money + pay each month + still remain guilty. On the contrary, one can say that a well equipped r 330i or 340i, which is still fully insured and is in garage, would not cost 0 in 6-8 years (with my mileage still under 150tkm) and possibly even more than my final rate. It can sound stupid to buy something that you can’t pay out of your pocket, but would it be reasonable to buy an older or cheaper car without financing and then get scrap at the end or invest a lot in the repair, I don’t know. So purely financially, abs even from comfort. Need a couple of experiences..

Hi, me and another college are both 19 and 18 and we wanted to get a car for a few months in the winter, our parents have cars that we also use but you have to ride the gently, I hope you understand what I mean. We once thought of getting an old audi 100 or something like that for a few hundred euros, the car should keep even a few thousand km after that the wear is probably scrapped. now my question: what would the insurance give us the registration cost, can help me vlt someone a little further and which dare you would recommend us … the car should already have the 100 ps, no fear I can handle with a lot of performance quite well, papa drives a 740i. thank you already young and girls