Category: Auto-Finanzierung Forum

Good day together, with the following fictitious situation I would like to initiate a discussion: Let’s assume that the managing director of a GmbH would be private owner of an upper class vehicle (purchased, financed or privately leased). Furthermore, it is assumed that this owner leases his vehicle daily to the GmbH for operational use. Operating user of the rented vehicle is the managing director personally. It is assumed that a company car will not be made available to the managing director (he owns his private vehicle). It is to be discussed whether in this example for the use of the rented vehicle the 1% regulation could be applied. I am of the opinion that the regulation could not be applied because the rented vehicle would be rented exclusively for operational purposes (daywise). Private person can drive the vehicle to the company (delivery) and also drive home again as a private person (pick-up). In this respect, the control of the way between the apartment and the workplace would not be applicable. In addition, the question arose here, whether to support the circumstances a journey book would actually be to be kept? For the days outside the rental of the vehicle to the GmbH no control is necessary anyway, since the vehicle is as described in the Private property. Look forward to feedback, greeting, hawaii

Hello! I haven’t found an answer to the question so far, so I’m addressing you. If I finance a good used car at a car dealership or dealership, would it be possible not to register it yet? Say: I take the car with me and pay the monthly instalments and of course the deposit, but no taxes and insurance yet. At the moment I drive a Peugeot 206 from 2002 which unfortunately is causing more and more problems. uto in August every day (and almost 100km daily), I wanted to finance a car and put it in the garage, so that it is already there. It would be stupid if the engine suddenly stopped starting from the old car and I didn’t come to the new job (bus and train is unfortunately almost impossible in my village). Is it possible to pay and pick it up and register only when you need it?

Since my new used car had bigger repairs in the last two years, I sat down and looked at the invoices of my old Golf 3, I came to the following numbers: In 10 years (and 130,000km) I had 3,500€ worth loss and 4,500€ repairs, in total 800€ per year on average, not counting taxes, insurance, fuel, tyres and inspections. For 800€ a year I could not even lease an Opel Adam, I assume, I have a Is this a milk girl bill? My new used man lies in the year’s average with the golf, which has calmed my mind again. What do you think?

Servus people, I am now 20 years old and I am now finally out of the probation period. At the moment I drive a Seat Arosa with 50 Ps. I bought it at that time for just under 600 €, because I was 100% sure that I would destroy something about it safely. Did not take long as I took a pillar in the parking garage ?? Now it should be so slowly a new car, My financial situation is very safe. I am now the 1st year learned and working in the tool build at VW. Of course it would be obvious to take a car over the company, but I actually want something different than I see at work every day. I earn just under 2.6 net and after all the deductions still over 1200€. I don’t need a very big car, of course if there’s a nice station wagon in it I say no, but I’ve got another small car or a limousine. I’ve looked around the market and I’ve come to the decision, In my opinion, new cars are nonsense for me. A young used car or an annual car is more appropriate. In general, I find the new Opel Corsa or the new renault Clio, for example, very appealing. Look forward to your opinion and any suggestions.

Hello, I’m new here and I need your advice. The following has happened. We got a new car in October 2017 that runs through financing. The car letter was sent to us so that we could register the car. At the handover in the car dealership we handed over the car letter again. (We have a confirmation for this) After several months we noticed that the bank has not booked any instalments to date. After consultation with the bank, she said that she had the In October 2018, the car dealership arrived at us and wanted to have paid the purchase price of us within a few days. We clarified to the car dealership that it was a financing and that we had also reported to the bank about what to do with the debiting. According to the car dealership, they did not have a car letter and after repeated returns, the car dealership would not have paid the car. 2 weeks later, the dealership said that the car letter was probably lost in the mail (I have to say that in October 2017, the car letter was sent to us only as a normal letter). Now we should arrange for the car letter to be offered so that we can have a letter in our hands again, or have to send it to the bank. Yes, I am aware that I have entered into a purchase contract and have to pay for it. he, which is not quite clear to me, why does a car dealership only come to mind a year later, supps there is still not paid a car? And now also muddys the car letter and we have the racing shop to apply for this new. We certainly still bear the costs. The question is now also, the financing remains or statute of limitations because it has not (yet) been used. LG Matthias

Hello, I have done a little bit hard with the title award. I hope, because you can still see what I mean at first glance. The following: I would like to buy a new used car. This should be financed. Now I have found a great offer from private, where I would really like to hit. In order for the monthly rates for the new car to fit into the frame, actually the old car would have to go away first. However, the potential new vehicle can be sold any time. We can spend 230,-€ per month on the instalments. The average amount of credit is about 17000,-€. Now I have already calculated various car loans, but always without a final rate. The new vehicle would cost about 21500,-€. That is, without selling the old car I have a difference of about 4500,-€. How do you solve your problem? such a dilemma? Could your banks/credit institutions recommend working with a closing rate?

Hello, I have a question for you. 🙂 I live in a very well-kept area and currently also earn quite good money. I always wonder how people buy expensive cars? Neighbors of me have a current E-Class T model 350d and a new Range Rover. Both cars I value at 70-80.000 euros each? How do you finance such cars? Do you buy the bar? Or are such vehicles only leased/financed? I bought my 2013 passat for 18,000 euros and found the I don’t know, but if I’m going to drive a new E-Class, do I have to lease it? Or do I save 50,000 euros for 5 years and then pay it in cash in one fell swoop? Classic financing with a small deduction and 30,000 euros end rate are the same only in blue, right? How did you do that? I’d be interested in your opinion and experience, Greeting Andy

Hi, here’s the thing, I’m still getting started and I have a car in sight. Unfortunately, it’s about 300km away from me. I can’t let go and WILL have it. I’m still confused with the order… I want to do it so that I can pick up the car immediately if I’m on the spot. So don’t drive twice for re-registration, etc. Is that possible? I imagine this something like this: 1. I call the dealer and tell him that I want to take the car with me immediately when I buy it. e. 2. I go to the insurance company and get me the so-called double card. So, but since I don’t have the vehicle tickets yet, so I don’t get the double card either? That means again that I get the papers first, get back, get the double card again, and then pick up the car again? 3. But I’d like to do it all in one. Ginge that? How about these five-day badges? People help me, I really want to get through nander. As I said: – Driving, paying, license plates and then changing with the bought car… That would be my favorite. But this change of registration, license plates, insurances somehow hinders me. Would you be grateful for an explanation. 😉 Ahoi!

Hello, I have the following “problems”: Leasing or financing?! I know the question has already been asked a thousand times, but I think it’s a bit tricky at the moment. What’s my problem: I have today as a freelancer without an employee of VW 2. Offers, where after 3 years exactly the same amount stands, i.e. Leasing and financing (1.9 percent) cost me the same price. Of course, the rate of leasing is lower, but due to the VAT I come. At the end the same thing. Prerequisite: After 3 years the vehicle goes back. So far so good. Now my questions: 1. Getting out of the financing will be expensive, because the remaining amount will be about the same in the course of buying out – for leasing it is certainly similar. I don’t want to get out of it, but I would like to know about the „worst case” … We were with you? Out of the leasing contract and the cash register rang to the dealer? Or to hand over the vehicle via leasing exchanges? a really someone? 2. I would make special payment when leasing, because I have had a very good year so far and would use the tax which offers me leasing there. Do you see that similar? 3. My dealer thinks that after the leasing I could easily take over the vehicle, he is even happy if that would happen. Should I be suspicious? 4. There is a residual sum in the financing, which seems somewhat high to me in contrast to the then probably available vehicle value. buyer thinks: We (VW) want to keep the rates small. Speaks for leasing, because here I would pay the “market value” if I wanted the vehicle, so the seller. How are your experiences about it? I am looking forward to your opinion.

Good evening together, I’m considering buying a new car Audi A4 Avant/A5. A few years ago I bought an Audi via APL (intermediate), and the transaction went without problems. Now I thought I’d write to the dealer who sold me the current car directly about an offer. He doesn’t make the percentages that APL is passing on at the moment. However, he asked me if I could register the new car via a trade, since he’s paying me €2,500. I am self-employed (individual company), but I have never used my car for the service until now. The seller told me that the registration can still run privately over me. What exactly does this mean? In order to check whether this is possible, he needs my trade license.