Category: Auto-Finanzierung Forum

Hi you, I would like to ask you as experts about cars. And I would like to finance an e-car after the end of my lease in the autumn. I have not yet specialized on the model, however it should be a solid model of the lower to middle price class with a range of approx. 250-300km (e.g. Opel Corsa-E). A Tesla Model 3 Standard Range would be a dream, however, they currently have quite a delivery problem… a real question. There are felt to be endless possibilities over which one can run the financing: manufacturer bank, dealer, house bank, internet credit, etc. It is important to me that it runs uncomplicated, without a deposit and you do not need an indefinite work contract or the like (I don’t know if this is at all common with a car loan) A closing rate may be a pleasure, since so the rates become significantly cheaper, which is also my goal. I’m sorry that it might sound a little unprofessional, but these are my circumstances… Thank you in advance!

Hello, we would like to finance a new car. Is simply our dream car. We earn together about 2950€, both in permanent employment, one of them in the public service. We pay no rent, because we live in property and only pay the electricity of it and otherwise no additional costs. We can save about 1500€ each month, to life and for other things also about 1450€. We can count about 25.000€-26,000€, the car would then still be about 4 That would be about 700€ or more for 6 years (just a rough bill from me). Insurance costs will be covered, we would then have to take over only the rate, fuel and maintenance costs. Please do not comment on the amount or anything else, only your opinion whether we would get the credit approved or it is perhaps a too high sum and we would overestimate ourselves. Thank you.

Hello dear people! I have a job offer before which I would get a company car “Ford Mondeo”. The price of the car would be about 30.000€. The company applies the 1% regulation, so I would have to pay 300€ of my gross, which would of course be counted on my salary. The company car is also released for private use – fuel costs are paid completely! The job is a service technician place where I work from my place of residence to I would not drive to the company, but to the customers. Tax class 1. My question/s: – Due to the pendulum between my place of residence and the customer I usually do not drive to my employer, are these individual journeys taxed apart from the 1% regulation extra with the 0.03% regulation or are there then extra costs at me? (This would of course be with a mileage of about 50,000 in the Year very happy!) – Can I make a good estimate in advance of what I would get out in the end with a gross total earnings of 3000€ (acceptance value) at net? Bzw. whether it would be an advantage or disadvantage for me to use a company car? I am looking forward to your answers Thank you!

Hello dear community, despite the danger that my question is not particularly clever, I would like to ask you. The following facts: My employer offers a company car model where the travel book method is mandatory. I would like to determine for myself the worst case. I as an employer have to pay a usage fee of 300 € net for the leasing rate. If we now assume annual costs of 1000€ and I would like to drive 100% private like in the case with the Fah can I get away worse with the travel book than with the 1% method or do I pay a maximum of 1%? Should I pay a maximum of 1% for a 100 percent private use then the bill for a BLP of 50 000€ would look as follows: 1%* 50 000 * 12 months = 600€ – 3600 user fee= 240€ = No further effects (first place of business left out) Is this so far correct? Thank you in advance and best regards Nima

Hi? So far I have only read silently, but for some time I have been asking a question on the screen, I work as an employee with church background. I have come across it through research that there is a platform called WGKD and that can get discounts in the staff of charitable institutions. Has anyone ever used this and could say something about it? Thank you

Hello together, as a newcomer at Motor-Talk I need your help: My wife had an accident without fault. The rep-costs according to expert reports were 8,310,42 Euro net (gross 9.889,40 Euro, VAT-share 1.578,98 Euro) The replacement was estimated at 19,957,98 Euro net (23,750,00 Euro gross). The residual value for 9.991,60 Euro net (11,890,00 Euro gross) We did not have the vehicle repaired and charged according to expert report. 8 Euro transferred (replacement value 19,957,98 (net!!) plus residual value 11,890 Euro). The insurance writes that it has settled on a total damage basis. Is there a possibility to get the missing VAT of 1,578,98 Euro from the insurance still. P.S. We have bought a new car incl. registered VAT from the dealer (if this is important) Thank you for your help !!!

Hi, currently driving a Ford Focus bj2016 and would like to continue the compact class. The Focus cost new 15k and was financed to 60 months, with the financing with early replacement after 46 months was through. At that time I paid 300€ per month. So far so good, now I want to drive the Focus as long as it is economically worthwhile and ask myself how much money I would have to put aside to have enough money for an equivalent at the time of vehicle change. sounds hard to find, but I’m trying hard to figure out when the car will let me down. Currently it’s 70tkm of mileage after about 5 years. My plan would be to save 150€ per month from next year and replace the focus with 210tkm and 15 years old with the successor. Does that sound realistic? Or should I raise the amount? LG Haasinger

Servus Together, I have already read through all the amounts on the topic of Car Allowance, but I have not yet become quite conclusive. Briefly to me and my project: I am currently thinking about whether I should order a company car again or switch to the Car Allowance. After all the deductions will remain for me monthly so about 850€ then by the way. Km I can not settle with the company, but only make tax claim. Business I drive so about 50 to 60 TKM a year. Me However, between 300 and 400 km a day but also once a month a longer route zb Munich Frankfurt or Munich Düsseldorf. Unfortunately, my employer only offers diesel vehicles. In my view, the daily routes, however, are also easy to travel with an electric vehicle. My consideration is to buy me an electric vehicle for the daily routes and the long distances with my already existing 2 Grand Tourer to the My question is tax-recognised if you use two vehicles for business purposes or is that limited to max one car? Thank you for your opinion and assessment.

Hello, I found a car at a dealer. I couldn’t pay it at once. The car was supposed to cost 18,000 €. I decided to pay 11,000 € and to finance the balance plus interest. It runs 36 months with a closing rate of 3,000 €. Now I have already paid instalments for a year and consider replacing the car prematurely. I have to call the Santander and request a replacement letter. Then probably the one on it. Is it necessary to terminate the credit agreement in writing? Do I then receive the letter or the car dealership? I have made the credit directly via the car dealership at Santander. But the car dealership is completely out now or? The car is then mine, since I would have paid it completely. How long does it take, according to experience, until the letter actually arrives? If I have to pay for the car, then I have to pay for it. he financing would simply run, then just book off the closing rate and then send the letter? I once heard that they can’t just do it because of the amount. If no, they will notify me that I have to pay myself? Who has experience with the Santander?

At the moment I am superior to selling my 330D XDrive. I like the car very much, only the car repair shops (at least 4 tried) excite me endlessly and the BMW enjoys 2-4 stays per year due to small things. Since the 3s is also too big, I also want a great smaller one. I would like an idea would be a 190-220ps Audi A3/Mercedes A class/BMW 1er, very well equipped around 50-55,000€ LP. I would have the 50k together in a year, so it could buy without a loan. This is the case for the last 4 years, before that it was less, because passively invested. Therefore, without consideration, it would be 30,000€ down payment + 20,000€ credit for 3-5 years (4% interest). Then I would still have invested 20-30k which 2-4k per year should generate return. Which would be gone if the savings were completely stuck in the car. Plan is also to drive the car 4-5 years, that is 80,000 – 100,000km. Vllt also longer fal Is the car still fun. Income is enough. Counted on 12 salaries there are 4.000€ net. The used car prices are also very high at the moment, but it is still at least 1-2 years so stay because the chip shortage can not be solved so easily. Therefore the 50,000km/2 years car are now not exactly great offers in my opinion.