Category: Auto-Finanzierung Forum

Hello, I’m new here in the forum and wanted to create a post right away… So: I’ve been driving a Golf 3 1.4 since 1st year. Since the car is slowly but surely gammelting away under my butt and since I just want something faster, it would be time to buy a new one. Only I don’t know which one. I’ve already driven several cars, small cars but also bigger ones and still am not conclusive to me. The biggest problem it is the price-performance ratio. te yes already quite like a nice fast car drive, but the maintenance costs should not blow up the frame ( have about 800 euro available in the month). And in the purchase should not cost more than 4000 max.. I have in the past quite often the car of my buddy gafahren and he has already told me quite to. It is an Alfa Romeo 156 sportswagon with the 2.0 150 ps machine. The performance of the car I liked already and also the look, but I wanted to know if you might know another car or have the same performance, but is cheaper/better in the quality etc.. Because otherwise I would really get the Alfa. I just like this exciting new one, because I’ve driven the car a lot and that wouldn’t be anything new if you understand me. OK thank you in advance Lg Yannick

Hello, I would like to buy a car which costs about 15 000€, 800€ I could pay, what possibilities do I actually have to pay for that car ? Guess, Leasing ? Credit ? I start a training in September, I earn there about 600 net. have looked at mobile that financing offer the 15000 so purchase price entered the 8000 as a down payment and term 36 months following comes 4.39% – 9.92%** Citibank 222.45 € Citibank Online Credit 508.05 what amount must ss i pay monthly ? the 222€ or 508 ? further comes the following condition for credit request of maturity Mind. for 6 months employed at the current employer indefinitely You act on your own account Permanent residence or bank account in Germany no negative SCHUFA entries (here on the loan application with negative Schufa) No independence (here on the loan application for self-employed If I start the training in September it is already not true with = minimum employed for 6 months at the current employer indefinitely. Do I still get a loan ? DANKE

Hello community, greet you, rented me a smart last time, since I did not drive a car for last months, or 1 1/2 years, which was quite restrictive for me and simply makes dependent on bus & train and therefore came again fully into the experience car driving. Am I thinking about for approx. 3-5 T EUR a used then however – without warranty – because from private to – buy or even monthly rates to a car bank with a used in the range up to approx. 10 T EUR without deposit, good does the advice If I give 5000 to the private person it can happen to me at any time, that with the car something is not right so from year 95-96 to 98-99… and then the workshop stays start…. What are your advices, if you would like to be sooo again mobile. *Schwärm* The car banks “help” one after examination of the numbers very gladly to unrestricted mobility. Best thanks in advance for the support and many greetings and many smiles. t I may change my nickname soon 🙂

Hello together! I don’t want to get rid of the basic discussion about financing and buying cash, because the ghosts are getting apart anyway. 🙂 Still have a question about financing. I chose a car in the car dealership, because I want to finance over the next 4 years. My girlfriend and I can easily bear the monthly financial burden and our “financial plan” is not too tight … money for unforeseen would still be there monthly. But now it’s s In the same company I was taken over indefinitely – of course with the legal probation period from the standard employment contracts. The probation period is over at the end of the year. In the department in which I was taken over I have been working for 4 months now (3 months were my last training step for training). I know in the probation period nobody can guarantee that I will not be kicked out, but is a n big company – with a small company the danger is bigger?! (or is that too naive) What I really want is that under these circumstances the bank most likely does not grant any financing and I need a guarantor (best the parents – there is 22 and still need his parents *head shake* – well other subject). My friend also does not go as “security” – there still in training. If my parents would vouch for this, I think that for d he 9 months would not be possible from the contract (form me to have read a model contract, you can cancel at least 6 months after the start with 3 months period!) Or would you have to take over the guarantee for the entire term? It’s actually only about if I don’t manage the probation period – that they then take over the installments. You would have to terminate the contract then and that would be the above-mentioned nine months. After the probation period you can also be terminated n, but just harder or if you go after it you shouldn’t buy anything 😀 What do you think about it? – Nice Saturday

Hello in the round, I have a financing question. My old car will call for some repairs to the next TÜV (>1000 €) and is a small car, gasoline, 9 years old. I drive more than 50km of highway and city a day + excursions on weekends, more than 12 thousand a year. After 3 1/2 years I would like to have something more comfortable now. At the moment I could probably get rid of it between 2500 and 3500 euros. Desired vehicle is currently a 1 BMW, Diesel, 116d, from 2016, 43 tsd. km, from the Händl I would pay 4000 – 4500 €. The car costs 13500 €. 9000/9500 € would be to be financed. I would be able to pay a monthly rate of 161 € if I were to finance more than 60 months. Basically, this is acceptable to me, as I expect an additional salary increase of (net) 200 € in the summer and I have an indefinite job in the ÖD. } Question: Do I plan here with a too long funding period with a view to the age of the vehicle? The second point that concerns me is the maintenance. My car is now rather cheap. However, I do not see the striking differences between Golf, Astra and BMW in a free workshop. The Astra got away with the costs even worse than the 116d according to the ADAC used car check. In other threads I have read a lot about this, but who has a very concrete experience with models from 2015 on, I would be very grateful to ite to share. Greetings!

Hello, how do you pay a car properly with the least risk? So far I had always paid in cash, financed the rest. Now I want to pay the purchase price completely. However, the sum (about 13,000 Eur) is too high for me as cash. Or is it here the amount still within the usual scope of the cash payment? My experience here regarding the payment processing of larger sums is limited. The car dealer (contractor) said I should transfer one day before collection and possibly bring the transfer receipt. He should register the car for me. Here I have already given him the EVB number. How would you proceed exactly?

Hello, I need a vehicle for my business, but I probably have a problem. I have to get a little bit further and describe my situation. I had massive financial difficulties 2 years ago and could therefore no longer serve my loan rate until it came to the pay-as-you-go. I made myself independent at the beginning of the year. But kept my old job part-time. There I currently earn ~1150 € net per month. The pay-as-you-go is still running. advertising runs very well (the profit is ~ 2500 €/month before income tax) and I urgently need a vehicle (Ford Transit, Citroen Jumpy o.ä) for the company in the new year. But fear that it will become almost impossible due to the payroll & Schufa entries, because I have nothing in my hands except the BWA of my business for just 10 months and just in the Corona time nobody can say how the situation of my business or my income will develop in the next years. rd. Does anyone here have any idea of the matter or an idea how to solve it, if leasing or financing is rejected? Used car purchase is unfortunately not in question, since I had to put my previous profits almost completely into the operation to get it to run so well at all. So I currently have only a few small reserves for possible repairs etc.

Hello all, first of all the little history: August 2019 relatively young Golf 7 GTI financed. 900€ paid, 12k Euro run on four years. Well, by changing jobs, promotion etc I have been able to travel so well in the last months that I can trigger my car prematurely in November. What I could already read out from my contract is a precaution compensation, which VW would like to have. This is to be counted with one percent (1%) of the still open loan amount. However, I could not find: Will the interest, which is charged over the four years, be partly refunded to me (or charged)? Before I call the VW Bank now, I wanted to ask for advice here, maybe one of you already has behind it. Greetings

Hello, I have a new company car available. Now I have had two sample invoices prepared by the accounting department. Once with and once without own share. For both invoices the 1% + way to work is added to my gross wage. As far as clear. With the invoice with own share the own share (200€) is additionally deducted. The payment amount, i.e. net, is at the end with the invoice with own share higher than without own share. Can this really be true? indicate that the higher I set my own share the higher my net will be. Where is the mistake of thinking? A colleague from another company (belongs to the same group of companies) has been paying an own share for a long time and that’s all right. Thank you for your help

Hello together, the desired model + equipment is found, but with currently approx. 37,000 EUR has a quite juicy price for me (new model as a young used/annual car/etc., available since 09/2019). I know that the whole thing is far from sensible. I am only concerned with the opinion of more experienced people than me, whether it is possible with my financial situation. I have currently about 30,000 Euro available on the account. Another 10,000 are invested in shares, to which i In the event of an emergency, I will be able to get a salary of approx. 2,000 – 2,100 EUR per month. According to mobile.de, I get 8,300 EUR for my current car, I start from worst case 5,500 – 6,000 at an AH? Ongoing expenses I have an extra cost of 400 EUR (I still live at home). I have planned to move out in 3 years at the latest. I would like to cover the 10,000 to 12,000 for this. A house purchase is not planned in the long term. I am currently Single. So I have about 1500 in the worst case monthly for saving & spending. Now it’s your turn. Is it relatively risk-free to finance this car? Or complete nonsense? Does it make sense to wait for the further depreciation of the new model? Thank you in advance & friendly greetings