Category: Auto-Finanzierung Forum

Hello all, I got a leasing car with 10,000 kilometers per year for a duration of 36 months about 6 months ago. Now, well, in relation to the contract, I got together with my girlfriend, so my driving behaviour changed and I, if I have to move and then drive to work, would have to be very limited by driving. I then thought that I could adjust the kilometers afterwards. My Anspre The question is, when do I have to do this? The contract already states that I can only drive 10,000km a year, but if we say at the beginning of the 3rd year at 29,000km or so, then the lessor doesn’t know that I might have had 28,000km in the 24th month, instead of 20,000km; I could have done the 9,000km in a month. In other words: can I stay on the phone for so long? I’d like to have 15,000km “yearly”? Because otherwise, since I’m still relatively far at the beginning, I probably pay more at extra rates (I calculate a minimum of 50€ per month) than the more kilometers would be worth? I’ll look at Pi times thumbs maybe come out at such 40,000km at the end, which would be 952€ at an over-kilometre price of 9.52cent. I pay from now on 50€ more at 30 months Restlau I would say that we would say yes 1500€ and that is only estimated now, because maybe they want even more per month. Would we just say 10 months to pay the 50€ more would I get away cheaper. Does someone have experiences with something like that or was in a similar situation? Does this go through like this or is it said rather: “Well, you’re in the third year, you should have thought about that earlier”? Or should I just let it come to that and end up tinkering, with me ev Then stop now should be spending something monthly? Thank you!

Hello, at my car dealership I received the following offer for a Peugeot 308: Peugeot 308 SW GT with 20,000Km (EZ 13.04.2018): € 23.880,- in which financing contract says: Purchase price: Car: € 24.040,- (incl. approval) CAP insurance: € 1482,76 Rest of debt insurance expenses: € 2.462,66 Total credit transfer: € 27.984,42 Interest rates: € 3.473,54 /Eff. annual interest rate 2.99%/Total amount: € 31.457,96 (71 months a € 291,-) Final rate: € 10.802,64 I would like to ask the following questions: – Sales r did not offer me the GAP insurance and residual debt insurance expenses as an option, but calculated from the beginning. Is it normal? Suppose they would be optional, would be for € 4000,- quite expensive options. Maybe this is about sensible insurances, I would have expected to ask me anyway … 2. Question concerns the final rate calculation. According to the contract the basis is 7500Km / year. How far is it problematic? I drive about 50,000Km / year. How do you find there The offer for the car? Gr. I.

Hello! The following problem I am self-employed and run an UG. I have contacted a BMW branch office and made a financing request for a car. I was informed that this would not be possible without a guarantee. However, I need a car very quickly and would also like to finance one. I intend to convert the company into a GmbH if everything is going well but that will take about 4 months. I talked to my girlfriend and she has been there for r decided to enter into the guarantee. Now to my question. Is it easier to finance a car with a GmbH without guarantors? If this should be the case, can one terminate the guarantee after founding a GmbH?

Hello together, to the background: I used to have a somewhat bad lifestyle and unfortunately did not pay attention to my finances, thereby building up debts. I stood very negative in the Schufa, meanwhile everything has been wiped out and the last thing Mtte found its end in 2017 and since then (as the only thing) stands as done in the Schufa. My score is of course still in the bucket, which rises only very slowly. I have a regulated income, am official at life time Now I want and need a new car because my mind is so slowly giving up. It is not supposed to be incredibly expensive, but an annual car or day registration would be nice, so around the 15,000 Euro (Ford Focus or similar) Since I really wanted to appear as a cash payer was the original plan to take a loan and pay cash at the dealer. Unfortunately I can’t get this one, although everything is done and nu This is why the question (of course I know no one has a glass ball but someone has had similar experiences or is a banker with a car bank or AUrto seller or or or…): What do auto banks say about it? Before I embarrass myself with the seller I wanted to ask here. Are auto banks more kulant? The car remains finally as security in the dealer’s possession. Ode r I don’t need to try it at all and end?` I would be grateful about a few experiences!