Hello, I had reported a damage that was externally in debt at sixt leasing. (This is the article https://www.motor-talk.de/…/…mse-war-not-dressed-t6184102.html) They sent me an expert who also documented the overall condition of my car. He noticed that the bonnet has a higher paint thickness and asked me if something has already been done. Seems to have been repainted. Of course, during my leasing period, it was still a good thing to do. Nothing about the bonnet and I didn’t fix anything either. I have the car now 1 year and 2 months. He recorded it in the protocol. If there has been a repainting of the bonnet and there has been a lack, does not sixt leasing have to inform me about it? Does this not represent a depreciation? The background is: I have completed the Vario financing and would like to buy the car after the leasing period, because otherwise I would like to make losses. Then you could assume that it is an accident car and I don’t get much more for the car. In case of a takeover, is the car not as much value as sixt calculated with the repainting. Shouldn’t the residual value or purchase price have to be adjusted? Do I decide for a return it would have to be taken into account there? How should I proceed? A legal protection insurance ha should I turn to sixt first or should I turn to everything with legal counsel?
Category: Auto-Finanzierung Forum
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Car financing – first pay cash and then finance with car financing
Good morning together, I’m just hitting around with a question and I can’t find an answer to it anywhere. So I hope for your expertise and put it here for discussion, maybe someone has a similar situation and can bring light into the dark with his experience. I want to buy a used car. It costs 14,000€ and is relatively cheap, so I feel a pressure to buy it quickly under roof and compartment. I have the money at short notice. In other words, I would like to receive part of my liquid funds with a favourable interest rate on the car. The classic way is to choose a car, to regulate financing, to receive money from the bank, but not to use all the money for it, but to leave 500€ as a buffer and to finance it with a car loan. In other words, I would like to receive some of my liquid funds with a favourable interest rate on the car. I would like to pay car, take it with me, and connect car financing for 500€ and pay me out on the account. On the one hand, I have so much more peace of mind to compare financing offers and to carry the documents together, on the other hand, I would have the certainty that I will get the car and could use it right away. Has anyone already completed a car loan afterwards? l outstretched, and then refinance with a car loan? I wonder if the bank would finance a paid car at all or if these loans can only be concluded before the conclusion of a purchase contract. I hope for helpful answers and thank you now quite warmly, also for the many advices on other topics that have often helped me in the past as a passive user.
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Substitute financing wg change of vehicle
Hello, I’m new here and have a question. We financed a car at the BMW Bank and now want to take a loan at the house bank, we want to pay off the financing early with the loan and negotiate the car for a new one. Is that so feasible? Or does the letter go to the house bank? The new loan is not a car loan but a private one.
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Autkauf Darlehn Right of withdrawal
Hello together, very briefly: – signed in the Authohaus purchase contract for an annual car – signed in the Authohaus Darlehn contract for the car – signed in Darlehn contract with advance payment which has not yet been paid – current salary information is not yet available to the car dealer – car can not be registered yet since proof of insurance is not yet available Can the Darlehn now be revoked with the 14-day right of withdrawal and thus also the purchase contract for the car expires? m Purchase contract is explicitly the financing via Bank BDK with sum X on their terms specified. In the contract the vehicle is also explicitly specified as a financing object. I assume that it is then a composite contract?! Are there any texts or similar that prevent it by recalling the recall of the purchase contract about the car not extinguished? Many greetings and thanks!
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Tips for financing. Insurance?
Hello! As soon as I find a talking offer, I would like to buy a Kia Picanto Gt Line and finance it. Now I am thinking about what I would have to take into account (in advance) and hope that people with experiences have some tips for me here. 🙂 For example, I am thinking about what would happen if the car would suffer a total damage during the financing period. A comprehensive insurance would only take over the time value, wouldn’t it? I would have to pay further until the original purchase price has been paid off – even without a driving car. I have heard that there are insurance companies that would take over this difference. Which ones are recommended? Is that worth it at all or is it useful? Or is there other insurance companies that are more meaningful and do something like that? Also possible unemployment or so are there certainly topics at the bank? I have read, however, that the one often gets something. But what makes sense? The car will probably cost around €15,000. What else do I have to pay attention to or in which “traps” should I not fall into in case of financing? And is it most useful to finance the car directly at the car dealership and their bank? Loans with banks/sparkasses seems to exist at the moment only at not so attractive conditions!? And I can save even during the financial accident and then by special tax When is this worth it? Does it cost you a fee? And lastly: I changed the job at my request at the beginning of the year. I have now increased my hours at the employer, and will therefore earn 2xxx net + surcharges from August. I am out of the probationary period, but have a fixed-term employment contract until the end of 2019 – this is the standard with the employer unfortunately, but the chances are very good that I will then take over and determinate who only how are my chances for financing? And how do I say, if I wanted to finance the car now, that I have more salary from August, if that should be relevant!? If I had terminated my permanent contract before that, maybe a car should have bought before that.
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Company cars with own ownership plus 1% rule?
Moin to all hope that I am right here. When I went into the new negotiation with my boss, I was offered a company car. However, since I live 40KM away from the company and the list price is about 5000€ gross of the vehicles, of course I have a lot of charges, that it would certainly not count on the 1% regulation. Now to the question. If my employer after the cost is offset e.g. a rate of 300 euros for the vehicle monthly to Za But I would be willing to explain the costs for the company car, would theoretically not have any money worth advantage any more. Could this work in some way? I have already ringed at the tax office but they didn’t know any more. The tax consultant is on vacation and the decision should be made at the beginning of the week, since the orders should go out there. Hope you can give me a little tip (: Dear Greetings)
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Residual liability insurance, revocation & consequences
Hello together, I know that there is already one or the other topic here. But neither the topics nor the Google search have finally brought me further. No, I would say rather confused. I recently bought a car and partly financed it, for the first time! The seller said in Germany a so-called “carefree package” would be mandatory. On demand what the credit costs would be he meant 2,99% so total X and it would contain everything. fast, about 60 DIN A4 pages are printed and presented one page after another with signature fields. Of course you can say who can read is clearly in the advantage and about it I am also massively annoyed today. What happened: Purchase sum: X down payment: Y Loan amount: Z + “carefree package” Interest 2.99 % = Total loan amount As collateral for the loan the cession of the vehicle and the wage attachment were given. Then follow 3 pages to the credit agreement together with cancellation instructions (1 4 days) and some pages GTC ́s for payment, what happens if, use of the card functions etc. Following 2x insurance information including cancellation policy with 30 days. The insurance consists of 2 packages, 1x death, 1x unemployment etc. In addition, there is there, which one receives the documents together with cancellation policy again within one week and the cancellation period of 30 days from there applies. Now more than 20 days have passed and I still do not receive the documents again Only a “welcome letter” from the bank with the summary from the credit agreement (a Din A4 page). Well, can I really revoke the RSV separately within 30 days? Does the credit agreement remain unaffected by this? I feel a little messed up as the interest rate has nothing to do with 2.99% at all. In addition, I already have various insurances to cover all the mentioned risks. Since the car is already picked up and registered I do not want to use the I would like to provide extracts of the contract if it helps to clarify the situation clearly. VG
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Revoke/announce residual liability insurance? (Commerz Finanz)
Hello I’m new here and have a few questions at once. I bought a new car last week. About half of the purchase price is financed by Commerz Finanz. The dealer said that it comes out the same with the financing, whether I take the RSV with me or not. I now have favorable interest rates. If I had omitted the RSV, the interest would have risen, so that I would have come to the end almost the same amount. Sound plausible first. For this RSV I pay approx. €550, which were included in the financing (at 1.99%). Questions that appeared afterwards:1. Can I cancel this residual debt insurance directly at the bank in writing?2. If so, is this reasonable in retrospect? Or do I run the risk that something will change in the financing afterwards (higher interest rates etc.) and I may even be worse?3. In the case that I pay a higher closing rate and trigger the loan, I would get about €550, which was included in the financing. probably a part of the RSV refunded? Or is there no possibility? Dear greetings, Sabse
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Service car WITHOUT private use, monetary advantage?
Hello and good morning, the rough guidelines for company cars with private use are known to me ( 1 % of the BLP // 0.03 % monetary advantage ). Now it should be so, if you use the car exclusively, which then the 1 % regulation does NOT apply. Does this then also apply to the money values advantage? With the company car purely official journeys ( customer visits udgl. ) should be carried out, but also the journey from the apartment to the first workplace. Here I have several times Since my way from the place of residence to the workplace is 90 km (one way ), the money-value advantage ( 0.03% ) is already a house number in my case. It is clear that the AG must expressly prohibit the private use (in the employment contract or ), a “normal car” for my private journeys is of course available ( my wife and I each 1 car ). Is there an idea?
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Financing the first car
Hello dear community, in short the facts: I am 24 years old, finish my dual studies in October and get stuck in my company with a good 2 net salary in November. Since I will then be dependent on my own car, I would now like to choose my car in the next few months – the choice is a young used (10,000 to 30,000 km) BMW. I really only care about the comfort and the look of the car: automatic, multifunctional steering wheel, seat heating, xenon headlights and the “new” facelift (i.e. year of construction from 2015). According to my current research, I am able to get to a 116 – 118 BMW, which will cost about 16 – 20,000. I have not saved anything due to my income during my studies. My plan is not to pay more than 300 euros for the rate by financing 4 or 5 years and to settle the balance at the end. Either with savings, through a sale or a connection financing. I have concerns about my new employment contract because I can’t prove my last 3 months’ salaries. My salary as a dual student is currently 1400 gross, but what I think is too little for a loan iHv 16 – 20 T€. Does anyone have any other idea how to finance the 1er?