Category: Auto-Finanzierung Forum

Good afternoon. I have a question regarding a loan in the training. Briefly to me, I am 21 years old and am in an education as a media technologist at the Rheinpfalz-Zeitung. My probation time at the training AND from the driver’s license is already around. My first year of training ends soon, and I would like to finally drive a vehicle with which I am satisfied after I have sold my previous vehicle so that I could buy something robust to buy every day cheap to the Well, I drive less than 10,000 km a year as I alternately spend three weeks in work lessons. This allows me to buy something nice. I am single, live with my parents in the house until the end of my training and have no pre-credits or running credits. I can spend the full training salary freely because I work as an assistant for about thirty hours a month. Up to now, 350€ have accumulated. My training salary is 470€ net, in addition my parents get the child allowance of around 190€. I think I will not get a loan so easily, and even if then maybe 3000€ at most. Now I wonder if my parents can hold on as guarantors? This worked wonderfully with my sister and my brother who also financed their cars at 23 and 25. But what has changed until then is that my father retires from next month, and my mother is currently unable to work due to an artificial joint (an only 1200€ every month that come into the household). As much as I know my father also earns 1200€ in pension and he also works on 400€ based also after the pension. But now the real question, how much can the amount be awarded. How is this calculated? I would like 500€ so that my budget with the saved amounts to around 850€. That would be the “naja” version. In the best case I would like 800€ thus about 11500€ available. Sounds utopian for my income. ? I would let the whole MAXIMAL run for 24 months, in no case longer. Monthly would be optimal to pay the 300-350€, then I still have enough money for fuel and insurance. Disco visits, drinking I don’t go anyway, from that I live quite abstinence. Vehicle should be a CLK 500 2004 or CLK 55 AMG 2003-04. Ask for advice, MFG.

Good morning together! I drive a company car on my small individual company. I leased it and will now replace it prematurely. I already have a buyer who buys the car from me. However, since I drive the car as a company car, I also have to sell it as a company and therefore definitely grant 1 year liability for material defects. If I sell the car now from the company to me as a private person, in order to sell it from private to the new buyer, I can Is there something not legal here? It is clear to the buyer that he will buy the car directly from me. Only my tax advisor has pointed this out to me. Thank you for a short feedback!!

Good day together! I’m new here and I thought I’d just get an opinion from you before my project becomes more concrete. Briefly to me: in the middle of 20, full-time workers with just under €2000 net per month (thanks to changing shifts). I’ve been driving a Opel Astra H, which I got as 2 years old used for €13.000 at that time. Now this (petrol) has 191,000km down and always accompanied me over 170,000 km without a gun. Slowly, however, it’s time to look around for something new. I still paid for this car in cash, but I don’t want to do that anymore. What I plan to do now: I would like to finance a car, and I would like to buy a young used car again. Ideally, I would be either an Audi A3 (avant) or a Golf GTI. As a target, the monthly rate should be plusminus 200€, since I want to refuel the car and insure it is only important to me: no deposit and no final rate! Ideally, I imagine that, I pay for the car a few years and then give it back again to get a new one on similar terms. Almost like a kind of permanent rent. Is that possible? MfG Dennis

Hello together, I am entitled to a company car above my employer. Leasing partner is alphabet and I have the choice between Audi, BMW and VW. I noticed that the monthly leasing rates (full service leasing) differ very much. Just for comparison (basic equipment without extras): Audi A4 2.0 s-tronic > 1000€ BMW 320D Touring Automatic: approx.600€ VW Passat 2.0 DSG Highline: > 1000€ What is the reason that BMW is so cheap and Audi/VW so extremely expensive? n Leasing conditions or the alphabet belongs to the BMW Group and offers better prices?

Hello together, Have a question about leasing. Company A is insolvent and the leasing contract is to be transferred from company A to company B. Both have the GmbH as legal form. The problem: Company A has done the business so far and company B has been inactive so far, but has a neutral balance sheet. The whole goes over the VW leasing company. The shareholder/GF of both companies is the same person. My question(s): What is the transfer in the way? Company B must have certain sales/revenues u What credit quality result can be expected from such an inactive company (B) and how will the Leasin company react to the transfer? Thank you for your help! Greetings, Thomas

Hello, read the most diverse articles about car control for an hour now, but I don’t get really smart about it or almost all of them refer to private use. I would get a car, it can only be used professionally (private journeys are forbidden) and there is a duty to book journeys. The company car is used practically only for trips between home and work place as well as for professional appointments etc., how is the Fa I understand correctly that the 1% regulation only applies if the vehicle is allowed to be used privately. Speak of the 1% regulation does not concern me, because only professional use. – Vehicle value approx.22,000 € – Simple distance housing work 60 KM – 20 working days/month The invoice is valid for me: 22,000 € x 0.03% x 60 KM = 396 €. So right? These 396 € are then counted on my gross salary, from the total gross income the tax is then paid. The tax deductions (approx. 33%) are calculated, the 396 € will be deducted from the gross salary, but the tax deductions will remain the same, so that the “higher” deductions will be deducted from the gross salary? Does the company car cost me about 130 € net? Refuelling and repairs will be paid by the company, a fuel card will also be included. Am I correct with this invoice and consideration? Would you be super grateful for an answer.

Hello, regarding the shortening of my contract from the 35d F25 because of the purchase of the G01, according to Freundlichem, I got an incredible number game of the BMW bank. I wanted to go fundamentally from 36 to 24 months and was prepared to bear the clear additional costs of the shorter leasing (additional costs of the 24th rate at once for 2 years). At the number games of the BMW bank I could put the current until the leasing end in the garage, because the expense compensation would have the full amount of the L And for that I would have given the fat guys 12 months before. LACHER!!! If the early reception of a very young X3 seems to be so unattractive, even though one wants to invest 80-85 tsd € for a vehicle at BMW again, the question inevitably arises whether one negotiates even harder when a car is leased near the end of the model in the future. Makes me a bit stunned, how the numbers turn back and forth. other experiences? LG

Hello together, I am a freelancer and am about to sell my company car. As a self-employed person I will be able to issue VAT with inquiries from dealers who export abroad. It seems that most of them are dealers who have a company in Germany but want to export abroad. Now some ask me if I can sell the car without the VAT (i.e. net) because the car goes abroad. I wanted to hear your opinion if this is a klever idea and if so, what I need as proof of everything (export certificate, etc.) Greetings and thanks

Hello, I have the opportunity to get a service car via my company. I would tax the car with the 1% regulation. Here are my rough basic data: Car List Price: 3000€ Distance to work: 61km Gross wage: 4000 (month) Personal tax rate: ~40% My company has submitted the following calculation: List Price: 30000 Distance: 61km GWV Total: 849€ Net load for AN: ~339,60 (849€ + 40%) Until here everything is clear and understandable to meMy company still calculates the following with pure: net leasing rate car: 300€ Insurance: 100€ Tank card: 5€ Tax: 19% Subtotal: 481,95 GET: 5,76 Car tax: 25 Leasing share AG (gross): 512,71 Net reduction due to salary conversion: 307,63 (512,71 * 60%)Total net load: 647,23 € (339,60 + 307,63) Why is the leasing share still included? Is this so common with company cars or only with me a special case? Would it be great if someone could enlighten me?

Good day, unfortunately I have the feeling that the articles that I read on the topic of company car purchase usually do not match the articles on the cost overview, maybe someone can help me here. In short an example:Buying a used car, no leasing!:BMW X4 Year of construction 2016 Km 80.000 Gross list price 57,000€ Current purchase price 32,000€ Petrol What would it cost the employee if he kept a travel book?Worker Max Mustermann: Route to AG 20 km Private use 50% Gross 2000€ Tax class 1 How much salary would Max have to give up per month? Does a travel book also pay for him if he drives more than 55% privately? So with the 1% regulation right (57,000€ x 1% = 570€ p. month, … -> about 50% tax deduction by AG = 285€ Money value advantage per month for Max)? Accordingly, he would have to give up on 285€ net? Would he be cheaper with the travel book on the way? If someone takes the time to answer, thank you!