Category: Auto-Finanzierung Forum

Hello! I hope I’m right here and describe my problem!I had an unindebted accident, whereby my car(Fiat Stilo Kombi Bj2003) suffered a total damage! The car is fully financed and the loan is still running for 4 years. Residual debt approx.8000€. My EX girlfriend vouched for the car and since we still understand each other very well, I pay my installments every month.I have now commissioned an expert and see what he sets in value. Can I use the money from the insurance company to buy a new car and continue to pay the instalments or ask the bank to replace the loan, because there will be a residual value of the vehicle and to sell the scrap car, I need the letter. I would like to use the rest and scrap value to buy a new vehicle and continue to service the loan, but the bank has no more security except my guarantor! Thank you for your help!!!

Hello together! I would like to buy a Volvo V50, which has run as a demonstration car. I would like to extend the car with some useful extras such as removable coupling. I will pay the car literally cash. Is it advisable to haggle the price first and then, if necessary, to trade the extras or vice versa? I am grateful for relevant information. Greeting Matze

Hello first of all to this forum I am now 20 years old and have been feeling for 2 years and 2 months. unfortunately I have to ask myself because I could not really find something for this purpose. I will be serving civil service from november and at the beginning of my (hopefully) training in the next year I will buy a car. the question arises: which? so my priority criteria are: – purchase price max. 4000€ better below – fuel saving petrol – lower insurance ngsbeitrag – low taxes – relatively low mileage (how much is ok with such a price?) – cheap spare parts / repertures – no car prone to the whole history still a few questions and namely: 1.) I would insure the car via my father. he already has a 2nd car. can one still take a 3rd car into the insurance? 2.) if yes, how much % and euro in the year would be expected (he drives car without accident for 30 years)? 3.) is e right s that well-known “young cars” like corsa or golf are very high in insurance? if not the corsa would be in my tighter selection. at the moment I can’t remember anything anymore. I ask you to give me some suggestions and tips and answer my questions, if that is possible. thanks already and friendly greetings lame

Somehow I didn’t want a topic “hijacking” for this post. I’ve been looking for a new car for a long time. In focus, S5, RS5, S4 Avant, BMW 335i, M3 Coupé, etc… Well… theoretically I can pay the cash. Practically you should calculate the financing. I like to save, with a reason why I can also afford the above car (just the waged background). Well, but I don’t get an invoice. Audi has a “super” now. Rtolle” 2.8% Leasing action. But if I calculate this (with the official computer) for a RS5, then my hair is too high. RS5 Coupé, net 118’850CHF, financial contribution 15’000, 24 months, 15’000km => 2650/Mt. If I calculate this on the 24Mt, then this comes to 87’000CHF, so I pay for 2 years RS5 drive 87kCHF. (Calculation does not look much different for 36Mt) If I take the rate calculation to help, and calculate with above key figures, I come to a kk Alculatory residual value of the RS5 (Fix given by AMAG) of almost 59’200CHF Heisst: For AMAG, a 2 year old RS5 with 30tkm still has a book value of 60kCHF ? What I mean by that, actually it is in this case yes HansWieWurst how deep the leasing rate is, as long as the respective lessors can define themselves a “fantasy residual value” (which one does not see at first sight and is also variable). So simply lower the (visible) interest rate and in the background the res And: How does that work then? I would pay additional tax costs, or would I get something refunded? Somehow the whole leasing extrem suspect is for me. Do I miscalculate, or is it simply pulled over the table? Would be glad to inform you. As I calculate this, the lessor gets 87kCHF from me, can then sell the car for the 80k (see, 80k not the 60k book value of which they in the leasing council e) and earn so 160k of a car net 118k is ? Do I see what not ? Do I have somewhere a thought error ? Is that the same with all brands ? Or is there (depending on the manufacturer) also differences concerning “realistic residual value ” ? PS: If one assumes a realistic residual value of 80kCHF for a 24Mt old RS5 with 30tkm, the leasing rate would have to be 1860CHF ….

Hello dear readers. As already written above I am looking for an alternative to the private sale of my car. Currently the used ones are rather avoided if it is not just a year car. Now I don’t know how to get my car away. I have to buy a new used one from private but have to get mine away for that first. Since I’m moderately tensed I am looking for an alternative to the stressful private sale. Has already tried to sell his car to the V isitenkarten Autohändler zu verkaufen ? Maybe someone has the same problem and can give me a good tip. mfg, Christian

Hello guys, yesterday a 20 year old car “sold” for 300€. Here I put it in mobile.de, and after 1min. a foreign buyer called. He knocked after a few dates he wanted to know about me. Then he said that I had received a purchase confirmation by email, which I should answer. So I confirmed this by email and took out the ad. Nnoch on the same day his colleague with the tow truck was there from a county about 150km away. Of course P The guy then telephoned with an Arabic accent a few times with his cell phone and looked under the bonnet a few times, then suspected all possible non-existent damage and phoned around again. A long time later he then pressed the money into my hand and loaded the car. I unscrewed the license plates and kept the car letter to register the car myself. I should then simply send the papers back to me. He didn’t want to have a TÜV and AU report. I just wanted to conclude a purchase contract, when the guy suddenly asked me about the old letter. I affirmed this and went into the house to get him. I didn’t find him right away, but I didn’t come back after about 5min. In the meantime the guy and my car had disappeared. Now it seems funny and a little murky: car away, (real) cash, still all the papers and license plates. in my possession, but no terrible thing, that the car has been in the hands of the guy since yesterday. Do I have to worry about that???

Hello together, I need your help. I’m not sure at the moment if this is a good offer or if I should consider another financing. Limousine 04/2016 15,442 km 100 kW (136 hp) Diesel Automatik Purchase price 29,000€ Advance payment in € 0.00 € Duration 48 months Total running power 80.000 km Effective annual interest 2,99 % Fixed interest rate p.a.2,95 % Total loan amount (net loan amount)29,000 € Total amount 31,557,12 € Final rate 13,915,20 € (49. Rate) Mtl. Plus3-Finance What do I have to pay attention to? Have heard the closing rate should be lower than the actual residual value of the car? Can I still negotiate it with the dealer? Thank you for your help.

Good day, I hope my question is right here. I became aware of an affordable A6 leasing deal during the Audi used car weeks. So dealers contacted, passed by, test drive made, application signed. This all happened on Saturday 07.10.. On the following Monday, 09.10., the bank approved the leasing…Wonderful! Seller then said he would send the registration documents to my registration office. (He doesn’t want to personalize you to me.) I don’t get any more information from the seller. Everything went very fast until the shelter, but since then it has been massive. I called him every day at times, wrote emails and asked for updates. This Tuesday (17.10.) he called me in the evening and said they only just had the papers from the bank he had to hand over, because I would be the owner of the letter). Furthermore, the TÜV had expired, which still needs to be made new. So far so good, now the question arises to me whether I should continue to check every day and questions like state of the art is, or whether this is usual, that this can take longer?? Delivery of the vehicle was actually planned for the 30.10., on the part of the car dealership, but it would have to be registered in a log-proof way… Is just my first leasing vehicle so far, maybe that’s why I am so “nervous” Thank you for Your tips!

Hey together, I need some advice from you. First of all some text: Currently I drive an A-Class which is leased over Mercedes 4 years and is due to be returned in January 2024. I am now an absolute fan of the MBUX system, which is why I want to stay with Mercedes after the leasing end. Since we still have a dog, the car should become a comi for the future, which is why I kept an eye on the C-Class (W206) as a T-model. Only the C-Class also has the MBUX. D As a car we would buy or completely finance ourselves without annoying closing rate. We have a monthly rate of up to 480 euros available for this. If I look at the used car market so there is currently the C-Class hardly under 40k as gasoline and automatic. I assume now naively that there will probably be more used C-Classes for 38-40k by the end of 2023 (I know only speculation and supply and demand are decisive). For this we would have a credit of 34,000 Taking up Euro with a maturity of 72 months + making a down payment of 6,000 euros. Thanks to the credit comparison I can definitely get away cheaper than that I finance directly at Mercedes Bank. Because when I enter the figures in the online finance computer of Mercedes I always get only 7,49% effective annual interest rate and a rate of over 500 euros at 6 years. What I find crazily when I find a credit for 440 euros per month via an online comparison. J My question is, does someone have other experiences that you get different conditions with Mercedes personally? Especially as an official? And would you consider a financing for 6 years as useful? What’s another point of dispute with my wife, she would rather be an older model. Only if I now buy a C-Class from 2018 for about 25-29k Euro with a mileage of probably 70-100k and which in January 2024 is then already 6 years old and is likely to be financed another 3 years I have to see rather a higher probability that there will be several repairs. Would I be happy about a few opinions and finally I might be thinking too soon Greetings Daniel

Hello, my old Skoda won’t do it for long (is my first car still and I’ve got that proud 8 years now, and he’ll be 14 soon ). Now I’m slowly looking around, but I don’t want to take so much money into my hands (from the point of view) once. I’ve always heard of 0% financing offers – is there something like that more often? If so, do you get out somewhere when this will be given to which manufacturer? I’m quite open about my new car. Generally it should drive – and I think I would like to have a new car/year registration (Astra GTC, Ibiza, so something in size just). Does anyone have an idea? Thanks and greetings, Frank