Category: Auto-Finanzierung Forum

Hello! Vllt you can support me in my decision whether to keep my existing Tiguan 2 or exchange it for a new used Tiguan. On the situation: My balloon financing runs out at the end of June. During the runtime it was 0% interest. It is then open a closing rate of 10,000€, which I either redeem, continue to finance or choose another car. As with balloon financing usual. I currently drive for work 20,000Km/ Year. I plan to work for 2 years and then retire. Then the driving performance is reduced significantly (max. 10,000km/year). Momentary mileage is about 90,000km. Variant 1: Keep the car and pay the final rate 50% immediately and fund 50% (interests still unknown). Then I would have paid a mileage of 130,000km at the start of the pension, the car would be 7 years old completely. Variant 2: Return the car next June and finance a new used car (Tiguan 2) . My dealer would take the car back for 15,000€. (According to Dat.de it would be even 16,500€) Which variant would you choose? Continue driving because I will retire soon and drive less and accept any repairs due to the higher mileage. Or rather take a new Tiguan (in any case no longer possible with 0% lenses!)? To the existing car: Volkswagen Tiguan (AD1)(01.2016->2020) Special model Join EZ: 01/2019 (EURO 6d-TEMP) mileage: 91 .000 km Motor 2,0 Ltr. – 110 kW TDI, body: 4-door Drive type: Front drive Gearbox 6-speed Euro 6d-TEMP Start/Stop system Greetings

Hello, I use the portal for the first time myself. I always read here. I also don’t have a huge long question ider would like to answer specifically to me and my income and my situation, but experiences. My question is how likely it is that a financing through the car dealer at Santander is rejected. I know the criteria like no negative Schufa, good score, regular income, permanent contract etc.. I still worry, you know the banks, at the end it is called despite good income etc, nevertheless no. Is it a difference whether you want a private loan at the house bank or make a financing for a car via the car dealer? What is more approved? And are there also people with not so huge income or a Schufa score of less than 95%, who have nevertheless been approved for car financing? Thanks already for your experiences. Thursday I get to know if everything works, but have ka ufvertrag etc already signed with the car dealer. But I am a head man who always worries and is afraid, tomorrow comes the call, was rejected”. So how likely is such a thing? Thank you <3

At the moment I am faced with the decision whether the purchase of a company car is advantageous for my situation. My annual salary is 70k (tax class 1) and my annual driving performance 7,000 km private and work back and forth 3,000 km, which makes me think whether this is a profitable option. With the option of an own car I would opt for a small used car worth 12,000 euros (consumption 6L/100km), which then completely my own In addition, there are ongoing costs such as repairs, TÜV, insurance, taxes and fuel that I would have to finance from my already taxed net income, I think that will be €2,500 a year. My calculation shows that the maintenance of the used car would amount to €5,000 over two years, plus a value loss of €3,000, resulting in total net costs of €8,000 in the first two years. In the case of a company car, I am considering a BMW 2 plug-in hybrid with a list price of 42,000 euros. The leasing rate for an annual drive of 10,000 kilometres amounts to 370 euros per month, plus the taxation of 0.5% of the list price and a flat-rate calculation for the distance to the workplace of 10 kilometres. Costs for repairs, TÜV, insurance, taxes and fuel for the company’s wagon n are taken over by the employer. List price of 42,000€, with 0.5% of the list price: 210€ Work path: 0.03% * 42000€ * 10km) 126€. Gives a monetary advantage of 210€ + 126€ = 336€. Gross annual salary is about 70,000€, hence tax burden 40%. Could someone help me to determine the annual cost of a leased company car? I would like to understand how the offer of a company car affects my annual net income – i.e. how much less can I pay for a company car? This would be the result of an increase in the number of jobs in the Community.

Hey am 24 & would have asked n if you would do it the same way Currently I have n 3 Bmw running over the BmW bank, purchase price 32k & more than half is paid are still 15k open. With a sale I get about 23-25k for it so I have at the end still 8-10k „profit for the next car. Now the question, I wanted to get a C8 Corvette for about 106000€ , i.e. the amount from the other car as a deposit + 5k own capital. The monthly rate I would also make 1,2-1,5k there I only have fixed costs of 300€ with a earnings of 2.8k net rising. [Job is 95% safe for the future] ) In 4 years this would be 72k + the ca 15k payment € which are already paid off then. prefer n higher rate instead of I spend the money so. [Once money there is usually out ????] Outlook into the future is not planned own home or children since I can theoretically live at home free of charge for which I am grateful [own floor] Since I would save the money anyway I’d buy a car like this doesn’t make any difference if I’m enjoying it now or only right in 4-6 years? Vlt changes my future for home after the years but there’s nothing planned since it’s supposed to be for the car tbh. Did you just want to hear your opinion like you think ??. Would you do it the same way?

Hi together, the following situation between buyer and seller within the family. Private car purchase, which is recorded in writing in the purchase contract, with a standard form from the Internet. (Mobile/ADAC/etc.) The whole was agreed in instalments, which were all paid so far, monthly. There is not a single delay in payment. 1/3 of the purchase sum has been paid with the rate. The remaining 2/3 are still outstanding and continue according to the contract with the rate. gbrief was with the buyer, because of registration etc. was forgotten to give the seller back into his care. Is of course not good and cuddly, but because of lack of time and new job. Now there was a dispute and seller demands the vehicle letter because he was guided to remember for the second time. (Understandable) There was a 2 day period and the buyer reacted because he did not want to stress any more by transferring the remaining full purchase amount (The 2/3 still open The next installment would only be due in the following month. The seller now claims to want to sell the car, because by paying the complete remaining purchase sum (2/3), which he wants to remit again to the buyer the contract would be void. Because indeed on instalments was agreed. Of a special payment or closing rate nothing is in the form. The contract itself states “The vehicle remains the property of the seller until the full payment of the purchase price.” He wants to keep the car and is dependent on it, had various costs already (repairs, insurances, maintenance etc.). Is the contract invalid/invalid because the “rate payment” was broken by complete transfer? Can the seller sell the car, although there was no payment delay as soon as he has the vehicle letter again? And that is what the contract would be void of? Can the buyer insist on the instalment payment as soon as he has his 2/3 Retrieve?

Hello car friends, how much of the net income would you spend on car financing (in whatever form: credit, leasing etc.) per month? Thanks for an honest answer

Hello, I have the following situation: I financed a Renault Mode 1.2 16V Night and Day Edition last September. Since I did not like the car as a whole, I have now leased (or requested) a new car, which will be delivered in about 3-4 months. Since the mode is still available with just under 13,000 euros (including 4 years of maintenance and warranty) in the books, I want to sell it now with the least possible loss at book value. But it should not be more than 1000-2500 euros if possible. Does anyone have experiences like such a young car, besides the Internet exchanges and local press, can get rid of it well? Thank you for all the tips!

Hello forum, I have chosen a car, tested cars and found it good. The whole thing was then held by me and the seller contractually and I paid the car. Now it turns out that the seller does not have the letter, or has to trigger. Since I have no desire to forward the money to her (then I would be pretty stupid), I want to have my deposit again. What do I do if she does not pull out the deposit? The purchase contract is invalid, in which also the deposit was kept, since the seller is not the owner of the pkw, but this has stated in the purchase contract. Mfg

Halli Hello, who can recommend a credit institution with good conditions for a car loan? I would have a part of the purchase sum financed, only in case of pain? Does anyone have information to contact if you could? Looking forward to numerous information and contributions 18- inches p.s. me is very interested in the 3 way financing, someone has experience with it and what do you think about it?

Hello, yes I know, for the 1000th time the same subject. Maybe nevertheless someone has a advice/opinion. I have finished my studies since last year and started my first job in January. I have never owned a car. I am now for a while to calculate whether and what I can afford. Currently the favorite is an A35AMG, 15000/24/??. This would be in my configuration between 600€ (€0 deposit) and 420€ (€400€ deposit) yw. rounded In addition: – Insurance at the HUK SF9 VK with new car compensation for the leasing time 800€ p.a. – tax 210€ p.a. What I could not find yet: What is added to inspection costs in two years or at 30,000 km? Does anyone have experience with the vehicle return at Daimler? My financial situation: On average, I earn 3400€ depending on the workload (usually between 320€ and 360€) expenses monthly (keep up quite precise book): rent/food/electricity etc.: 700€ Insurance In, Fitness, Leisure: 600€ Savings deposits Shares/Fonds/RV:400€ (before Corona 700€) Holiday: 200€ Currently the surplus of 1500€ goes to the daily money account, earlier into the depot. I have 6 months probation period, which runs until the end of June. Chef has already said that he will keep me, but I did not have this (yet) confirmed in writing. Could this be a problem for the lessor? Is my budget balance for the leasing bank sufficiently “positive” or could they be on a higher down payment b My employment contract is limited to 5 years, but that is longer than the lease period. My job is quite safe and very much in demand. Even if I should fly out today, I could sign a new contract tomorrow.