Category: Auto-Finanzierung Forum

Hello dear people! I’m quite a newcomer in the field of car financing, but in the near future (April/May 2010) I intend to finance a “new” car, more precisely a used Golf V R32. I don’t want to discuss the car in itself, I think it’s nice and the new R in the 6 is just not a 6-cylinder anymore… Well, my actual questions: I definitely only want to buy from the VW dealer or contractor, because A I have at my last VW, which I with a BMW dealer bought, bad experiences with warranty made, and B I consider this to be the safer method regarding damages etc. (explains me if this is a misconception). Well, since I want to buy from the VW dealer I also thought it useful to finance it via the VW bank. Is that the right way, is there “packs” quasi with discounted insurance or something like that? Or is it actually smarter to talk to the house bank or someone else? Should I speak for the VW dealer? Bank decide (but also applies to other car banks), how does that work? Let’s say that the purchase price is 23,000€, then I finance the purchase price or can you say 25,000€ to buy the missing winter tyres or something like that from the difference? With a normal bank that would be piepegal, because you specify the loan amount, or are car financings at the bank different? Suppose I look now on the Internet over the VW-GW-Börse and see, in the Batz i-Land is someone who agrees to me: can I go there, then say yo that’s it and then pick it up in Hanover from my dealer? Simplifies admission etc., let alone the question of money, otherwise I would have to drive twice to Batzi-Land. Any question would be whether there are certain guidelines that are decisive for financing. Rich salary certificates, or must one prove that one has a fixed employment relationship (I own, but I am interested in this )? S eehhhhr many questions, I’m sorry too, but I know that I’m sure some can help here. Thank you in advance! Greetings, Thibaut

Hello dear forum user, short to me: I am 18 years old and student in the 2nd semester. I now have my driver’s license for more than a year and slowly it is not enough for me to get the car of the parents only from time to time on the weekend. I need by public transport about 1h to university, my friend also lives 1h away from me, so that I spend about 3h on “slim” days in buses and trains. I have for some time also about cheaper alternatives to Car thought, but scooters are simply too dangerous and too weather-dependent. So now I am about to inform myself about cars to be financed as cheaply as possible. Especially often during my researches Ford KA, Fort Fiesta and VW Polo were recommended, however, I am also open for alternatives! The car should not be older than 3 years, preferably a year or new car would be my favorite. I do not want a 10 year old car, where I constantly need to reparate My parents and grandparents said that they would pay me a car, but that they could not afford the running costs (sprit, insurance, taxes). (I have to say that my parents own 2 cars and now the 3rd one in the family would come to it. ) So that means that the purchase costs would fall away for me. I also thought to have the car insured by my parents. With the high percentages I can still be At the moment I get 250€ a month and have savings of approx. 800€ with which I would pay all the running costs. My question is whether I would manage to finance the car over my entire study period (which will be about 4-5 years).

Sorry that I’m talking about the scrapping premium again, but unfortunately I didn’t find any information about it in the other topics and at BAFA or I just read it over. So it’s about that I bought a car a few months ago and there were a few difficulties now that don’t really belong here. Then I got counseled by a lawyer and he said that there could be a change. So that my dealer would get the car back. and I have the money minus a few euros for the kilometers travelled etc. Therefore I now ask myself how it is handled with the scrapping premium which has already been paid to me. Does this change then, so to speak, be considered a buyback or is simply handled as if the contract had never existed and therefore I had no right to the premium and which is demanded again? And what does this look like if then I would give my dealer a chance after all and take another new one? Actually, the time has already expired, but I can’t help it if there are shortcomings. Yes, I know that it’s actually meant for financing here and yes, I know that it’s not a legal advisory forum and that real legal advice is prohibited, too. But I just hope that someone here knows about it and can tell me how it works out. I also didn’t find a section where it would fit in better.

Good tomorrow’s forum community. I’m in a kind of mess. In our household are an 11 year old Seat Altea Freetrac 170 Diesel-PS and an 18 year old VW Polo with 60 petrol -PS. Both have about 168,000 km. We would like to buy at least one new one. Are to consider whether it should not be a factory newer. Because there is still a guarantee and no repair costs. It should be a Suv with four wheel, because we need 4×4. I think, since I have a used also financial I can also buy a new one, which I return shortly before the warranty expires. Leasing is cheap at the moment, only horrors me possible follow-up costs at the return. In addition we have eon little child and whether we can give the car back 100% so is questionable. I heard and also read that financing would be better. There you can give the car back too. Now I have a few questions. Must, if you return the car the closing rate paid we rden? What about the deposit at the next vehicle. Will the first vehicle be charged? A (VW) dealer explained to me years ago that the vehicle can be financed up to the final rate. Then either pay the rate, continue to finance or fetch new ones. If that were so, I would tend to lower the rates for a higher final rate. Is it also true that if you can get financed higher discounts? Every dealer says something different, just to sell his vehicles. Ahja and another question. Does this happen with EU vehicles exactly like this? Thank you in advance Greeting Christian

Hello, with a new car leasing 2 years 15,000km/year, would you recommend Audi Fleet? Extra charge would be 30 euros per month. If I understand this correctly, covers “Fleet” inspections including material? But with a new car I don’t need an inspection?

Hello dear motor-talker, just a short question. Maybe someone knows something about it. Nen Freund bought a used car in the car trade on installment payment. Now the 6 installments did not pay, the car salesman came to the car now and took the number plates off and moved them in. He only moves them out again when the open installments are paid. Can he do that ??????? buddy can now no longer drive and I also do not always have the time ???? K. A if the right is with the signs Greetings Chuck y

Hello, I need a little advice from you on a vehicle purchase especially with regard to the financial situation. We are currently driving a Volvo XC 60 (EZ2016 D4 awd) for half a year. The vehicle is fully financed with 290€/m and a closing rate of approx. 850€. Purchase price approx. 23.000€ In addition we are currently in the house construction and our driving profile has changed. Instead of approx. 17,000km/a we are now at 28-30,000km/a. We currently have 1 child (will soon 1), a zwe ites is to follow in the next years. So a car is wanted where 2 children with baby shell or reboarder fit in the back seat. Since I am about 1.95m tall and a year ago had a intervertebral disc surgery it should become a Suv. Despite this the xc60 from the 2nd child probably becomes too small (behind me no child seat fits). Since the car is used for commuting to work the consumption and wear also plays a role. This is stormy higher in an SUV therefore we like to e My real question is, what is most useful financially, especially with regard to our child and the (dear) house construction, a car has slipped for me from the weight to the bottom. I don’t want to spend so much on a car and see the extra costs for an SUV (even if it’s more back-friendly) not currently. Vans fall out categorically (we both find ugly and the body shape is also unfavorable to commute) I want possible t a small financial burden monthly. Basically also nothing speaks against older vehicles, as long as they are chic (O-Ton woman). Repairs disturb me also (less), only an old car we would have to fully finance because there are no reserves for it. The car should have automatic, comfortable seats and good light and of course space. With the annual drive power, makes there a gasoline or diesel sense? (The liter prices are currently densely populated each other) What about Most useful? Current car continue driving? Cheap 3-4 year old combo financing? “Older” car for approx. 10-12.000 ́€ finance + reperatures if necessary? Sorry for the Wall of Text, am looking forward to your advice. Greetings

Servus together My family now has 4 heads for 2 months. Currently I drive a Mazda 3 BM, but now it gets damn tight – I just need something bigger. Leasing runs out in October. I can currently spend 300 € per month on the vehicle (sprite/insurance is not taken into account). What is meaningful here? Leasing? is damn tight I think. Boys used to buy with used car loan and drive until it comes into the mill? Could I imagine as long as there is I wouldn’t want to give up on automatic and ACC. Performance doesn’t have to be crazy, 150 hp or more is enough, and the more economical, the better of course. I know that it’s damn difficult to get all this under one roof, what would you do in my place?

Hello, does anyone have a strategy on how to handle all vehicle-related costs via the credit card? Background is that I want to move as much revenue on the credit card as possible, so that the fee is not paid there and I get premiums (whether it’s miles or other). Is there even a way to finance car loans via the credit rate? Can you pay the workshop bills by credit card at VW, for example? What about comprehensive insurance? Insurers accept the KK payment? I know that Germany is somewhat underdeveloped in terms of the capital market. Here you can’t even pay by card in most bakeries (and they are surprised that they go bankrupt in series LOL). The Anglo-Saxon countries are somewhat further developed in this regard.

All prices include VAT. Car price: 44,110 EUR Extras (ex works): 630 EUR Extras (other): 985 EUR Deposit: 0 EUR Discount: 9.945 EUR (22.23%) Driving performance/year: 15,000 km Duration: 48 months 1st rate: 459,47 Follow-up rates: 468 EUR Annual effective interest rate: 1.99% Balloon rate: 18.746,06 EUR Fixed interest rate per annum : 1.97% Netdar loan amount: 38,468 EUR Total amount: 40,733,53 EUR Transfer costs are additional and can increase the net loan amount. The net loan amount is inclusive of a instalment protection and unemployment insurance premium co-financed on customer request. Thank you in advance.