Category: Auto-Finanzierung Forum

Hello to each other, for a long time I have been concerned with the question of what actually makes the most sense from an economic point of view, especially because there have been very attractive leasing offers over and over again lately. I have been driving a Golf 7 GTI for almost three years, with which the financing expires at the beginning of 2021. I am very satisfied with the car and also a little less driven than originally assumed. The car was handled very carefully. It (garage, hand wash, no long life) because I wanted to buy it out at the end of the term (final rate almost 19k €). Then the car would be mine, I would have less liabilities (with the current rate not really burdened me) but at the same time is invested a lot of coal in an object that continues to lose value. Now the thought of just leasing a new car came to me. Comparable cars exist for around 200-250 € per month, which is calculated 24 months around the 5k € and so much the golf will probably also lose value in the same time. The costs are fixed calculable (horror stories except for return times) but in the end the car doesn’t belong to me and the game starts from the beginning. About a used car around the 10k you could also think about but here there is of course a higher risk of having to invest further money in the near future because there may be any repairs to be done. The highest value loss will be sol But you probably already have a poop behind you. How do you think about the situation and what have you decided (for what reasons)?

Hello, my grandpa has financed a used car directly from Renault. This is 74 and the vehicle costs 14000€. He gave his pension notice to the seller and he typed all the data into his computer. After 2 minutes the decision was made by the Renault Bank. He had to make countless signatures (very many). The seller copied everything and we could go. The vehicle is currently still on the yard of the dealer (HU etc. are still being made) As far as s o well, I have now read through the loan request and determined that in case of income instead of 1320€ (pension) stands for 1680€. The seller has done this on his own, my grandpa only gave his pension notice. The Renaultbank will want to know where the remaining 350€ are? The dealer is a Renault car dealer. Financing data: 14000€ to 48 months with a closing rate of 2000€. Letter goes to the bank after registration. Opa does not have to rent zah 300€ for the car. He wants to have the car and can’t explain why the dealer does it that way.

Hello, I am currently long-term ill and the Cardif insurance also takes care of my monthly rate, after I had to make myself totally naked, e.g. release the doctor from the confidentiality obligation. So far so good, who wants to have a performance also has to give something for it. Now it is so that I have quit my employment on medical advice. Telephonely the Cardif told me that from the time of unemployment I would no longer have any entitlement to their benefits, since I do not blame It is only decisive who has resigned. I did not want this to happen, but I have emerged from my illness and the job search is a solution to get back to working life. Wouldn’t make a whole year ill in the sense of the Cardif as long as my health insurance company participates. What do you say about it?

Hello gentlemen, I recently financed a car 22 years ago and it was worth about 10k EUR, so I am a little inexperienced. I don’t have any loans or anything else. I will drive about 20K per year. I found a good 530e hybrid for 44K with the following values: BMW target financing 5.99 % Rate: 449,00 Euro/month Duration: 48 months Eff. Annual interest rate: 5,99 % nominal interest rate p.a.: 5,86 % tied Deposit: 12,500,00 Euro Final rate: 15,953,06 Euro Processing fee price: 0,00 Euro Net loan amount: 31,440,00 Euro Loan total amount: 37,056,06 Euro 24K on the clock and at the end of 2019 was the first registration. Is there a kind of consultant who also honestly advises? I could also pay the car completely, bar I would not want to lose so much but otherwise I would hardly have cash. Is it worth it, ideas, suggestions? Thank you in advance.

Hello, I’ve already learned something about this topic from Google, but the topics were all a little older. I’m currently changing my vehicle and I’m satisfied with the financing of BMW as well. Now I’ve read that many people cancel or cancel the installment insurance + GAP insurance. Has anyone recently done this and tell me how it ended up? Insurance runs through the alliance. There I would withdraw. If the BMW Bank got an info about the BMW Bank, I’d like to know more about it. nd the rates are adjusted or how? The amount of funding is 27.900 euros and the insurance companies come up with 3000 euros. I find it crisp. Surely these products have your meaning and offer a certain protection BUT I happen to work myself at the Allianz (but not in the private customer sector, which is why I am ignorant) and am well secured. Thank you.

Hello together, I have a big problem with the BMW dealer / BMW Bank. On 17.10.2022 I registered my new car and then picked up at the BMW dealer on 18.10.2022. On 19.10.2022 I then cancelled the insurance packages GAP + RSV by e-mail at the next possible date. Today I received a call from the “friendly” BMW seller and he said, due to the cancellation/dismissal of the insurance, must be made according to the BMW bank a new credit agreement/application the interest n 2.99% is now expected to rise to 5.49%. This is all to be signed as soon as possible and the applications are still going out by Express today. I meant that I am not mindful of this and I signed a contract with 2.99% and want to keep it that way and that the insurance packages are independent of the credit agreement. His answer was that this was not possible and the BMW bank could say bad-ass, return the car (vehicle registered). h now turn to the BMW bank. Can anyone possibly tell me how I can best solve the problem now? I thank you in advance for your help. Lg, Ervin

Hello, we are “in glad expectation” of the birth of our little Suzuki Vitara and have difficulty getting information about the delivery date to our dealer with whom the leasing contract was concluded. “Unbinding delivery date” would be next week and for two weeks now I have been calling the dealer to see if it would remain (after all we also have a scheduled delivery date for our current leasing vehicle at another dealer). . Basically I do not reach the responsible persons and recall requests are only … let’s say benevolently “tough” complied (up to 1 out of 5) Before then – without reference to my specific case – an employee of the company told me that one could not call any delivery dates anyway. Only if the car was delivered, one could make an appointment with me. On my request: No, one also does not know whether a vehicle was on a ship and where this ship is Then you stand there with your mouth open and ask yourself: “Uhm … how please?” Can anyone judge what the lady told me? Trying to escape – or is that really so. P. S. Sure, I’m still trying to reach the responsible employee (1 working, 1 sick, 1 holiday) and of course I’m clear about the “non-binding” and the 6 weeks and the deadline setting etc.

Hello I hope you understand me, a slightly longer text: We financed our car, bought us a caravan this year and found out that our financed car is too weak, chose us a new one and wanted to refurbish, said, are several dealers and one offered us something suitable. We then got the description and pictures from the dealer and said yes. We then brought our current car there,the refurbishment we wanted to do a test drive and so on but the new one hasn’t been transferred yet, what if we don’t like the car? our old one is already gone, now have a rental car out of the car house! you have only 14 days right to call again? and our old one is certainly gone until then ? lg excuses the spelling, talking is easier

Hello, unfortunately I’m not so fit for the service car calculation. I hope you can help me further. My gross salary is 3110,58€ incl. company car (1% regulation) I have easy way distance 35km LBP 39820€ 200€ will be deducted net for the vehicle use in addition to the 1% regulation the fuel costs I have to carry myself What does the company car cost me the bottom line? How much is the actual money value advantage? Thanks in advance.

Hello together, my question is addressed to all those who have experience with the connection financing of VW Bank. In just under two weeks the closing rate of my Golf VI is due. I have and did not intend to return the vehicle because I am very satisfied with it – except for small things – and since the closing rate is significantly below the price of current used car offers (which are also usually significantly worse equipped with similar age and similar mileage) of the relevant In Since my VW dealer had to register before a time of insolvency and by now no longer existed I received from him logically no offers or information about the further process. For this reason the question arises for me now about the expiration regarding the financing of the final rate. I could pay them in cash however some other small construction sites, for which I would prefer to use the amount (instead of there possibly to take up more expensive loans Therefore, I would like to pay only a part of the closing rate in cash and would like to continue to finance the rest – a higher interest rate (previously 2.9% eff. ) I accept up to a certain percentage. Does anyone have current experiences such as this specifically with the VW bank expires? Should one become active in advance and ask for an offer or will one automatically submit an offer for further financing? Does the VW bank offer (due to the so far complete and punctual Rateenza) In the last 47 months) more favourable conditions than foreign banks? Which interest rate do you have to reckon with at the moment with a connection financing approx.? First of all thank you for the answers!