Category: Auto-Finanzierung Forum

Servus dear automobiles, I have a job change: out of the office, into sales, on the road, where the car becomes practically my second home. The type of work is expected to be employee and independent sales representative at the same time (of course for different companies). The company offers an A6 or A4 station wagon as a business car. However, I myself am a big BMW fan and have long loved the E65 7 with a V8. This one is needed for around 12 years. .000€ incl. “CarGuarantee” on the market. With tax law, I still know almost nothing about it. Therefore the question to you: 1. Does it make economic sense to get the used 7er and not to accept the business car of the company and to have it paid out in cash? 2. Can the purchase price / running costs of the used 7er’s be taxed somehow, if one uses the as independent predominantly (90%) business? Best regards Stephan

Hey you, have received the following offer for a 520d touring: Advance payment 5000 Eur 36 months a 526.31 Eur 55,000 km / year with the following data: 18″ Light alloy wheels V-spoke 328 with emergency running characteristics KM-Stand: 18822km EZ 03/12 Leather Dakota black Adaptive curved light Ambientes Light Apps Automatic rear flap operation Car Start Stop Function Outdoor mirror automatically blinding Tyre with emergency running characteristics BMW Assist BMW Head-Up Display BMW Individual Sun protection glazing BM W Online BMW TeleServices Brake Energy Regeneration Dachreling Aluminium satin-plated Extended connection of the music player in the mobile phone Advanced BMW Online Information Driving experience switch incl. ECO PRO High-light assistant Luggage compartment package Mobile phone preparation Business with Bluetooth HiFi Speaker system Inside and exterior mirrors automatically blinding Interior mirrors automatically blinding Innovation package Instrument combination with extended sizes Integrated active steering Interior strips Schwa rz, high-gloss Internet Automatic climate control Comfort seats front, electrically adjustable Lordose support for driver and passenger Music interface for smartphones Navigation system Professional navigation system Professional with integrated mobile phone preparation Bluetooth Panorama Glass roof Park Distance Control (PDC) front and rear Headlight washing system Seat heating for driver and passenger Sports leather steering wheel Voice input system Control TeleServices USB audio interface Warning triangle Xenon light for passing and driving beam Additional 12 V socket What do you think of this offer?

Hello dear people, I have a question about the “diversity” of a 3-way financing. Currently I am a student with a regulated smaller monthly income, which my company pays me (dual student) and drive one, through the factory leased, Audi A3. Now I notice more and more, leasing is not so right for me. It is great at my age always to drive new cars, because I get a new one every 8 months and also that I never thought about workshop costs However, a small screwdriver heart and full of envy I look at my friends, who can make all kinds of beautiful changes on their cars. Of course, I don’t like this possibility with the leasing vehicle, so more and more the desire in me cooks up to me to get my own vehicle. As a car enthusiast, of course, it should not be a bread and butter model. It should be sporty and fun. I actually think of GTI up to max. 18. Thousand Euro. The pity is only, I have no savings in order to be able to pay a fee and the monthly instalments should be quite small with 100-150€ (so that I still have enough reserves for maintenance etc.). My thought game was now: 0% down payment (possibly paying an old used one), small instalments (100-150 €) and then large closing rate. The big closing rate is no problem, since I, with a 36 month financing, in 18 months full working engineer I would also like to know whether it is possible to adjust the monthly instalments after e.g. 18 months from 100€ to e.g. 350€? I already thank you for the answers. Have you had a good evening yet! I would like to thank you for the answers, and I would like to thank you for the answers.

Good morning, I ordered a cla by leasing contract. The takeover is about to take place, but unfortunately I am no longer able to pay the vehicle due to a draft room impact (both down payment and monthly rate). The contract was only concluded by email, i.e. I sent the signed documents by e-mail. Now I would have had to sign the original at the time of collection. Further problem I never received an order confirmation un d when ordering a vehicle, we are talking about accepting the attached new vehicle sales conditions. Only these conditions are not attached, I assume that the penalty is fixed there. I have already admitted the vehicle, is there any way for me to get out of the contract free of charge?

Good day to my fellow forummen, for a long time it was quiet around me (a lot of work) but now I’m back. I have a personal question for you. How did the costs of a car develop in relation to your own income? Do you feel you are getting poorer or can you keep your car status every year? I hope I have made myself clear. So an example: Our neighbor always drove a Mercedes C class (cost of a C class ) since the year 2000. All Costs of Ownership (All costs associated with the car ) Fuel, wear, car procurement, insurance, car tax etc. So for 14 years he drives a C class. Now with the C class as you certainly know a model change to. Usually he then buys the new model as an annual car. But now he has bought a Opel Corsa (without wit ) Reason: He can not afford a C class anymore, we have looked more closely. In the year 2000 had n we looked at all costs ( invoices ) and then compared the costs with 2014. Partially the costs doubled and then we compared his income ( wage certificate 2000 ) with 2014. The cost of the same model increased significantly more than his income. He earned earlier 3850 DM, that is converted 1968 € Now under unchanged conditions he earns 1750 € His income has fallen. ( profession tram driver ) What has happened between 2000 and 20 14 modified: 1. Elimination of holiday money and Christmas money 2. Elimination of monthly allowances for shift service Therefore my honest question! Figures are not important for me, it counts the percentages. How has your income developed in relation to the expenditures car ?

Since I have already fallen on my nose several times in relation to the residual value, I now think about leasing (kilometer calculation). The whole becomes more calculable for me, since I do not have to worry about the later payment. The cars, the higher the additional equipment is, are, as a percentage of the list price less worth. The whole additional equipment is not taken into account to the same extent as the list price and thus pushes the percentage rest. In the private market, my vehicles usually cannot be marketed, since the residual value is still too high when sold. So I am forced to pay my used vehicle to the dealer. So even now and thus for me a leasing would only be possible with the manufacturer bank. Geleast is to be a Volvo V70 to the following basic data: Leasing agreement with mileage invoice LP 50,000 Euro gross down payment 20% leasing rate 450 Eu ro grosso LZ 48 months KM 100,000 would therefore pay about 31,000 euros for the period of 4 years. Hardly believe that I would get rid of the car to the residual value again. That would be, in relation to the list price, at 19,000 euros. Even if I would now consider a discount of 10%, still a residual value of 14,000 euros would be. This amount will probably not get me again or only hard, since on the private market nobody would pay me a 4 year old car with the running leist This is my experience so far. In my opinion, therefore, I do not have a large cost by leasing, avoid a capital commitment by cash payment and have no risk regarding the residual value. A financing would not be possible for me, since I do not want to keep the vehicle after the 4 years. Then I could also choose the cash payment option.Ha Am I missing something?

Hello, I would like to lease a Seat Ibiza 1.6 16V Comfort Edition 5-door with 77KW/105 hp (Super lead-free). Since I still did not have my own insurance and could only take over an insurance with SF 1/2 (140 %), I would be interested in the offer with Sixt with the flat-rate insurance. (Since this seems to be much cheaper for me) I have added extra equipment and come according to Sixt to a list price of 18.33€ (incl. VAT). on 54 monts and 10,000km of mileage per year (in case of mileage billing) I get the following conditions: Advance payment of 20% of the list price = 3666€ (including VAT) Delivery/approval costs = approx.800€ (including VAT) monthly rate = 249.92€ (including VAT) The monthly rate is inclusive of all-inclusive package insurance (from Sixt), which is 89.25€ (including VAT) per month alone, including maintenance/wear and a protection against small damages that reduce the residual value would not be able to repererate because of the same retention (= FAirbag Plus). So, now to my questions: 1) Do you think that this is a good offer? Or do you think I get away with another (serious) supplier or with a dealer even cheaper? 2) Are there other costs besides the costs of taxes, petrol, tyres and any repairs, if I don’t drive more than 10,000km per year? 3) Does anyone know if you still have any problems with Sixt? a little bit? (I don’t actually assume, but you never know *g*) Thank you for answers and help! Sirstepfen

Hello, here’s what I’d like to do with an e90 330d lease. At the moment, I have an Audi A4, which he’s supposed to take into account. Now, however, there’s an amount of €250 to be paid off at the Audi Bank (normally until the next year – small installments) I could now pay off the amount and let me hand it over to the car letter, then he could take it into payment. However, I’m not quite as liquid at the moment and that would take a few months until I get the amount to a Does he have the possibility to transfer the remaining instalments to the Audi Bank and give them with the rest? Then I would have to wait net and he would have no financial disadvantage either. If someone says now then I should rather not lease 330d, I get more net in 2 months. Thank you

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