Hey good day for the first time I would have asked a question: so I got my driver’s license before a few weeks and now I’m looking for a car. I’m still a student and I don’t have more than 1000€ and monthly for the purchase, of course, not much money to pay for ordentl. insurance etc. so it also has to be inexpensive in maintenance. I already have some ideas like Toyota Starlet, VW Polo… would be nice if someone could help me find the right car here thanks MfG TiBo
Category: Auto-Finanzierung Forum
-
Leasing conditions: Need advice
Hello together, since I am not so powerful in commercial computing, I ask the professionals to evaluate the following leasing conditions: business leasing, vehicle price 26490.- gross; 36 months, 30000km per year, deposit 8000.- gross The following offer is available to me: 36 x 192.78 gross residual value 15789.- gross Is this “favorable”? How do you calculate something like the eff. annual interest rate (or is it called otherwise for leasing?)?
-
Car Finance
Hello people! And this is about financing … with some problems… Certainly some will say now, don’t you pay it back anyway… Due to my background I’m going to tell you now. I’ve always been driving cars I paid in cash between 1500-2200 euros … all in all I had used 3…. after some time I always had problems with the … Now I want to finance a car …. no new car but e what has less than 50tkm… As an example a BMW 218i active tourer … are at 11.000 – 17,000 euros The problem with the whole story is, I had at that time mobile phone contracts not paid and several thousand euros debts … believe were total 3500 euros … I paid off this last year …. it would now take 3 years until the entries will be deleted …. I myself work at the post office and have a net earnings of 1430 euros … since I will soon get married also the L ohnsteuerklasse so I would earn 1650 Euro net… No house bank (sparkasse) would give me a loan… with which SchufaScore no wonder… now there are of course pages that offer this… these are to be considered with caution… as example:https://www.autokredit.net/…/ There are only payrolls required (think about usually the parental 3 months) Is this really so easy? the idea is to save money this year … 200-500 euros Mtl and then to take a loan next year if that should work out… Would I be very pleased about an education!
-
VW Arteon for 99 EUR – offer too good? Where is the hook..
Hi, here is the VW Arteon with environmental bonus for 99 EUR p.m. at 10,000km p.a. and 24 months term (0 EUR down payment). And here is the A5 Coupe for 149 EUR. Can this be or is there any catch here? Sounds too good for me to be true!? Thank you!
-
how much can I demand for my w213 ?? Financing acquisition / sale
Hello, I am the owner of one : W213 e220 Diesel Year of construction 12/2016.. ( 194 ps ) Complete avant-garde ( inside and outside ) Km : 69000 , accident-free in the color light-eleven leg ( taxi yellow ) the car has with Mercedes still about 24.169 € rest credit open NETTO / still 44 monthly rates must be paid off approx. 560 € monthly gross has the car cost 41650 € and has made as deposit 10000 € !! Now I want to dissolve my operation and must somehow get rid of the car now, I go in the car The buyer must also pay the VAT of approx. 4400 €. That is, the car costs approx. 27400 € incl. VAT. according to paper understands itself My question is I can also demand extra what on it is to sell a car which is still financed ?? According to mobile etc. the car has a higher value with the specified information ?? approx. 30,000-32.000 €. I hope you have understood the meaning of what I want Thank you and have a nice day
-
Leasing = incalculable risk?
Hello together, I play with the idea to give my current Mercedes A-Class (W176) at my Mercedes dealer in payment in order to switch to the new model (W177). So far I have always paid directly for my cars or financed through the Plus3 financing, but it was mostly used or annual car. My dealer has now made the following offer: Duration: 48 months – Total loan amount 37.366 € – Special payment 6.000 € – eff. annual interest rate: 1.56% – monthly R at incl. VAT: 255,77 This sounds like very little money for a new car. Now I am not sure, however, if I look over any big hook at the action. I would like to reduce the duration to 24 months with the same special payment. Is it recommended to pay a special payment in this amount to keep the monthly instalments low? What hidden costs (apart from insurance and tax) do I have to pay attention to? ckgabe von Leasingfahrzeuge bei Mercedes? Thank you in advance!
-
Leasing with NEGATIV interest rates
Hello Motor-Talker, have you already seen the leasing offers from Smart? Now new: reading with negative interest rates! (In the advertisement in the “star”, which I saw yesterday, MINUS 6.99 % were shown). My question: isn’t this an eyewipe? The dealer told me that Smart wants to “push” the leasing. I think that’s very suspicious. But why don’t they want to push the financing? Isn’t it really just about the sales figures for new cars? And I also find verd I can play around with KM numbers and leasing runtime in the leasing machine on the smart website until I get even MINUS 24% (!!!) “leasing factor” (whatever that is supposed to mean). You think you have to strike immediately! Unfortunately, the dealer can’t tell me which confectioners I can take over the smart at the end of the runtime. I don’t want to fall into the scratch trap, where every little stone blow at the end of the runtime is expensively paid. How do I get the bank to tell me BEFORE what conditions I can take over the Smart after 24/36/48 months? What is a “leasing factor”. Is minus 24% “leasing factor” as great as it sounds or is it like a Chinese ghetto blaster: 500 watts, but zero sound!
-
Leasing as an independent with done negative feature in the Schufa ?!
Hello you love This is my first post and I hope someone can help me further. I have been a self-employed sales representative for about 2 years and now want to lease a car via Vw Bank. (15,000€ Rate 140€ Duration 4 years) Through the company for which I work I get a large customer discount. The dealer didn’t want to pay me any income or anything else, my business license is enough. My problem is that I entered a Schufa entry over 210 two years ago. This was marked as done a week later. In addition, I moved 2 times last year, my Schufa score is now 70,1% I can hardly believe!! I also have a loan over 600€. Does anyone have any experience how ‘culant’ the Vw Bank can handle such a thing? The entry is finally done….
-
Customer service invoice not accepted in case of leasing return
I have leased a car for two years via a company CAF (I have illegiblely abbreviated the company name in order not to get any trouble here). These are leasing cars for athletes. At the handover of the FIAT branch in Düsseldorf, no service booklet was added, which was only later noticed. A friend also got a similar car, also without a service booklet. I then had the customer service done at AutoFit at the end of these 2 years. The rest was taken care of and I received an invoice as proof. When the car was returned to Fiat, I submitted it. I was then told that points mentioned above were missing and I was also charged with a KOMPLETTER customer service in addition to a small damage. I objected on the spot, but the FIAT man told me that he didn’t care about my objection, because he has a contract with CAF and he had a contract with CAF. This is what I tried to do, but in response, the invoice was almost uncommented, including debiting (by the leasing bank). In my opinion, this is all abzocke of the Fiat branch, since there were no service papers for both cars and was declared insufficient for both cars when checking the invoice of the customer service. The cost of spark plugs is 4x4Euro and the pollen filter is about 10 Euro. (Whichever I would pay, as something was really forgotten) In return, however, I am charged about 250 for a complete customer service, although oil changes, inspections etc. were carried out 3 weeks before. What do you think about it? Am I really wrong?
-
BMW Leasing – KM-Leasing or residual value?
Hello, I have ordered a new BMW 320d. The car is to be delivered next week. The financing will be through BMW leasing. In the sales talks I made clear to the dealer that it is very important to me that I have the opportunity to take over the car after the 36 months. After long overlays I trusted the seller’s recommendation and signed the kilometer leasing. Furthermore, I made business leasing because according to the sales rs “there are no differences”. In the meantime, I have read that only private leasing offers the possibility to take over the car after the lease period. However, an additional right of cancellation has to be agreed. Of course, I am a little disappointed that the seller did not immediately draw my attention to the fact that the takeover is only possible with private leasing. I will urge that the lease agreement be amended to this effect – and even before the delivery of the W agens. Now my questions to you: What experience did you have in taking over the car after the lease period? Especially with BMW. Were there problems with a takeover, even if no right of cancellation was agreed? Is the KM leasing also the cheaper option when taking over the car later, since the residual value to be paid is allegedly lower than with the residual value leasing? What was the residual value of the car in the past after 36 leasing months? According to BMW-Ve This (if at all) will be 50% of the NP. Sixt expects about 60% here. But the leasing rates at Sixt with residual value leasing are much cheaper. Thanks for your answers Klaus