Category: Auto-Finanzierung Forum

Good day I play with the idea of buying a car as a 2nd car as a value investment/summer. Unfortunately, I had an accident with my actual summer car about 3 months ago. I am 20 years old and earn about 220€ net still live with my parents and have saved a good 7,500€. Now I stumbled on an ad which sounds very tempting a Golf IV R32 1st hand and 77,000km for 20,000€. But should take on a financing and w don’t know if it’s worth buying the car as a value investment/summer car. I have a 1.9 tdi to work which is really cheap. Now what’s your opinion? Is that maybe only the teens senseless or worth something?

Hello everybody, I can imagine that there are already a few topics on this topic, but I’m not really getting through on this issue yet. Brief description: I now have the opportunity to decide between a salary increase of 650,- € or a company car. At the moment I earn 3100€ gross, am tax class 1. So I would get fixed 3750,- € gross. The company car can cost up to 50,000€ and must be either Audi, Mercedes, Or BMW. The employer wears here with everything, fuel for private trips, workshop, inspection etc. This financing then runs over the 1% regulation. At the moment my work path per route is 50km and I drive a 10 year old golf with something over 100,000km. What would you advise me to do? I find that the deductions by the company car are enormous and am not sure if I am cheaper without company car. Can you help me ? P.S I would like a Mercedes CLA for a good 37,000 € very much, which also allow t.

Hello together, I’m also trying to find out / calculate whether a company car (VW) is worth it or not. I have calculated my expected net for a salary increasehttps://www.behalt.de/https://www.nettolohn.de/https://www.handelsblatt.com/brutto-netto-computer/https://www.jobware.de/Sales Calculator.html/https://www.n-heydorn.de/Sales Calculator.html/ and “against” the cost of a company car including the cost of a private car.https://www.nettolohn.de/rec hner/firmenwagenrechner.htmlhttps://www.handelsblatt.com/firmenwagenrechner/ My result is that it only pays off if it becomes a plug-in hybrid, with the 0.5% regulation. At the moment I drive a quite cheap KIA BJ 2016 / 100tKM, which was still nothing and which only insurance me 260 EUR per year (300 EUR SB at VK, 150 EUR SB at TK). In my calculations I took into account insurance, taxes, tires, tyre storage, inspection + parts, TÜV, refueling and value loss. Yes, the KIA doesn’t last forever and problems + costs are to be expected. The company car would bring me a portion of safety as I would be rid of all car worries. The gasoline price development would not meet me. I have only a very short way to work (3 km), which speaks for a company car. Privately I am currently not driving much, which speaks against a company car. And it must be a VW, which speaks against a company car, see below. If someone still has good approaches / tips / Li nks / Ideas?! The coalition agreement says “hidden” that the 0.5 % regulation should be removed from plug-ins. Does anyone know if this will also apply retroactively?! If I now pick up a company car with 0.5% and in 6 months comes the change … And where we are at the topic: Why is there not the VW Tiguan Allspace as a hybrid? (Question to VW or the dear God) And why are there no clever motors at VW Plug-In Hybrids? e.g. these here as a hybrid with 100 HP more by electro) 200 hp diesel (2.0 TDI SCR 4Motion DSG) 245 PC gasoline (2.0 TSI 4Motion DSG) Mazda brings new 6-cylinder diesel and gasoline and plug-in hybrid! Thanks for feedback!

Hello, a friend bought a car from a car dealership chain. He gets around 920€ early pension and can’t handle money at all. Now his old car has broken and he thought he could buy a new one at the car dealership. There he was offered a Hyndai i20 for around 21000€. The rate is 230€. The car seller looked at the financial situation and the loan was granted. A month later my friend realized that he couldn’t afford it. He wanted to return the car, which would only have been possible for a fee of 4000€. Now I wonder if all this is legal at all. I mean, any person who can handle money will immediately realize that this financing cannot work.

Hello together! I hope that I’m right here. Shouldn’t be legal advice, but looking for a few tips. I recently signed a contract and ask myself if this is all so OK. It’s about a car, which is now difficult to get at all (chip shortage, delivery times at least 6 months). Accordingly, the new car prices went up strongly, up to 250€ above the list price or price on the website of the manufacturer. 3 months old demonstration car decided with 1400km mileage. However, I did not pay attention to the contract (it is actually a serious dealer). In the contract is just new car purchase. Neither km performance, nor other concrete data about the actual vehicle. However, the concrete data are in the contract for the warranty extension. The price is the list price of the new car – with transfer etc. Purely pricey I find the deal ok, especially because you just get nothing – od He just overpriced. But that the contract is about a new car – without reference to the actual car makes me stutzig. What could happen there and we can do best? Request a new contract? Hope there is someone who can help. Thanks in advance.

Hello everybody, I am indiscriminate about how to continue with vehicles from October onwards. I can and would like to spend a maximum of €600 per month with fuel tanks for the car and not be tied to loans and co. for more than 3-4 years.The shorter the better.A few basic data so that you can assess the current situation of me:- Current Opel Corsa AutoAbo // 430€ monthly // 2000 kilometers per month = 24,000km per year – Only 1 year own car had insured on my name – So SF 1 (with self-registration I pay almost the highest insurance rate) – 55€ Garage costs – 150-20€ monthly approx. for refueling – hardly equity (maximum 2000€) // Rest would have to run by credit Previously driven by AutoAbo (Ford Focus Tournament ST-Line 1500km/month for 390€ monthly) What do you think would be a good opportunity for me? Of course, I would prefer a station wagon that will also survive a few years. Since I drive a lot with 2000 kilometers per month, it would also have to be Ach 5 years with approx. + 100,000 + 120,000 multi-kilometres are still ready to drive. Is this even realistic when I buy a used car? Even new cars are already difficult with such high distances or? And leasing means: I often have to insure myself and pay for additional maintenance, as I often come out more expensive at the end than with AutoAbo. Be happy about suggestions, how I could make this best. Also with suggestions for suitable used cars. for a loan would be the maximum I think 10,000€ +-, whereby here would still be minimal leeway. If you need more information, let me know!

Good morning, I have to buy a car, the new value of which will be about 70 thousand euros. But my tax advisor said that this would not make sense. My profit would increase by approx. 4000€ and I would have to pay more income tax accordingly. Do you have another possibility to drive such a car without having to keep a travel book, so that you might get away from this 4000€? Nice weekend Kristofer

Good day, I own an A-Class in the 3+ financing. However, a few months ago I had a self-inflicted accident due to Aquaplaning. I had this damage repaired directly via my insurance company. There was no evaluator regarding impairment. Will I get problems with it? Finally, it is now an accident car.

Hey, short pre-information: I think about getting an E46 330 Coupe after my training (from 1.7) take-over offer is already available and I will stay safely in the company. I would then be at about 220€ net per month. Do not have any rental costs or anything else, fixed costs per month are currently at about 100€ In the training I drove an E46 325i, however this had a motor damage due to own fault, because with my training salary I have some Reper now I think about my dream car “again”. Costs will be the good thing about 10 000€ I saved at the moment almost 2000€, the financing would be then ~8000€ Now my question: Since I currently have no car and walk a day to work I would like to have that already in July, urgently need a car, now I think about buying something cheap for the 2000€ and saving me the 800€ in a year or whether I can buy the 800€ in 1-1.5 How do you see that? Thank you

Hello together, we bought a Skoda Superb in mid-February and finance it through Santander Bank. In order to get a better interest rate, we have taken out two additional insurances (RSV Plus and Safe Plus). I then read here in the forum that it is possible to revoke the additional insurances and to retain the financing contract at the better terms. In the financing contract it is stated that the insurances can be terminated monthly and change depending on the The dealership then contacted me and put me under real stress. Now I have this e-mail: “Since you have withdrawn the hedges (purchase price protection + RSV) and the interest rate was linked to the financing products, the financing has been terminated. Accordingly, we have to complete a new financing. If you do not want to accept the offer, I ask you to purchase the purchase price (less interest) I feel right here and I would like to know from you whether someone has advice or has already been in this situation. Greetings and thanks in advance.