Category: Auto-Finanzierung Forum

Hello, I would be very pleased with the legal assistance of an expert or experienced person. At the end of September the financing of my mother’s A4 expires and the closing rate is due. She likes the car and she wants to continue to finance it. The offer of the Audi dealer is very good except for the fact that an unnecessary credit protection letter of 1,400,- EUR has been included. The “top” conditions are only possible with the KSB, so he can not expect it out. Furthermore (O-ton Hä ndler) must meet any quotas at Audi For me, this feels like a pairing business 🙂 What if my mother signs the contracts and withdraws the KSB within the deadline? To what extent did someone do that? It would have to be two independent contracts, so that the financing continues, right? Collaborative transactions are not allowed? Many questions 🙂 I thank in advance for the support

Hello, I have a general question about car financing. Since I have always paid my cars in cash before, I don’t quite understand the end of the financing. In order to calculate it easier, I now take rather rounded fantasy numbers. I bought a new A1. This over 24 months financed with a deposit of 10,000€. Rate e.g. 400€/month. Rest debt after 2 years 15,000€. That would mean after 2 years a sum of 19,600€ which I have paid. If I did not do that, I would not be able to pay n understand correctly, can I now pay the 15,000€ on it and the car belongs to me, or, I return the car and then get something for it? The residual value minus the 15,000€ residual debt or how? So if the car has a residual value of e.g. 20,000€ after 2 years, the 15,000€ that I still have open will be deducted from it and will get 500€. Is that so correct? So I would have paid 14.600€ for a car that I was allowed to drive for two years and what I don’t even belong to in the end t. And this KM-statement, which are in the contract, are then still included, so that I possibly get more or less money than the 500€? Thanks for an info

Hello people, short to me : I am 22 years old and would like to fulfill my dream with a m4. I still live with my parents have almost no fixed cost per month except my mobile phone contract. I earn 3,500€ gross entry salary currently. I have looked for which and found some for 38-45k. Would it be realistic for me to finance and entertain such a car? I would live 1000€ a month enough to live. As said would be a dream of mine. Hope her kö nnt give me some helpful answers. Save stupid comments like there are other priorities. I can also tackle them in a few years.

Hello all, I have in the past financed a Tesla Model 3 with almost 2% and a duration of 48 months at the ING and without deposit. I made every month special payments, so that the car (39T€) was paid within 16 months without having lost notice of quality of life with a net income of 5T€ as a worker in a group. The car was and is still mega horny. However, I want to sell it and my dream, a G-Class, we It’s used with 50T Km and before 2019 from 60-80T€. Now it’s the case that there are no penalty payments at the ING, if you replace the loan prematurely. (as with me above). Purely from the logic I should take a loan with a particularly long term (96 months) to keep the monthly rate and interest payments low. And with the special payments actually pay off the car or not? Do I have a mistake in thinking somewhere? In retrospect I would have a problem with the first credit a for 96 months….

Hello together, I’m new here and I’m now waiting for my leased Ibiza which I’m supposed to be able to pick up in the 17th KW in WOB. My question is now in how far it makes sense to have the windows darkened afterwards and by a professional, because I think it would look quite chic with the white paint. Suppose I decide not to buy the car after 4 years and to hand it back to Sixt, I will have problems getting the foil off or goes the 100% with lots of Work and time off? I thank you for the nice recording and for the answers in advance. LG

Hello in the round, I like to drive my SLK and have a total of about 30000 km per year, which I rewind. Originally it was planned to drive only 15-20000 km from this year, but it is clear that it will stay at the 30000 km. Now the SLK for commuting is somehow too bad and also too expensive for me, so I am currently thinking about whether a reorientation to the shuttle car e.g. a golf and the SLK to a pure seasonal vehicle to register for only a few thousand kilos A cheap bang falls away because I will spend a lot of time in the car and also not have the nerve often to stand in the workshop, as was the case with me before. Rather a young used person prefers me, as long-term investment, because my constellation of living, work and stable=hobby can not be brought under one hat except by commuting. Has any of you already had good experiences with holding a summer car and a kilometer car I’d like to talk to Eva.

Hello together, My BMW 220d Coupè is about to return the lease and there are a few points where I could use a few tips very well. It’s about what work I prefer to do in advance. 2) Inspection is due 4/2018 (see photos). I’ll hand over the car this month, do I have to pay for it? If I turn on the car is there inspection: 8000km 04/2018 but not in red. 3) I have a tiny dent on the trunk, scratching r on the rims and a scratch on the dashboard – make or let? Thank you so much for your tips and help!!

Hi people, I’ve been asking myself the question for some time. (I hope I don’t make it complex) – Especially the 2-3 years old vehicles have the grossest behind them. The used vehicles (i.e. 2-3 years old), are rather rare to lease. If I make an explosive example: Mercedes Benz C63 AMG: These are all average values from mobile.de (just rough first). So quintessence: I get a 2 year old Benz (as before current model), drive it 2-3 years, say 15k loss, ko mm i with 36 months of use and subsequent resale on a theoretical rate of (15000 / 36) 333,33 EUR. I make from it times 500 EUR (500*36 = 18.000) to have later a little more to spend and can be compared as a rate also super with leasing. So rough value: Buy again later sell: -15.000 EUR at 3 years, 10tkm p.a., monthly load: ca 500 EUR. My research according to c63er leasing offers actually results only new or annual car offers (so no comparison conditions: 36 months / 10tkm / o. Anz. If 2015er costs c250 avant 400 EUR, c63 will easily cost 600 per month. Somehow I forgot some component (that means something big, the smaller things are equal to each other). Or: It is really like that, but you just need to add the necessary small change by 50k EUR, from then on it seems to be easy… feedback… PS: Also important -> This year should be c63 faceli The type of offer from above is only comparable if a model change is imminent…

I’m just thinking about leasing a car. Which brand/model is still completely unclear, but that’s not what I’m talking about here. Here’s just an example: I’m independent, single and had a taxable income of 30,000 € in 2016. According to bmf-steuercomputer.de the income tax would then be 5,768 €. Well, the assumption that I would have had a leasing vehicle in 2016 with a monthly gross rate of 439 € and a gross list price of € 39.990, not a special payment. Then I could have deducted the leasing rate completely from my profit and would therefore have to count on a taxable income of € 30.000 – (12 x € 439) = € 24.732. However, I drive the car also privately and would apply the so-called 1% rule, i.e. 1% of the list price per month to my profit. So this would be € 12 x € 399.90 = € 4.799. That would be my taxable income € 24.732 + € 4799 = € 29.531. calculator.de would be the income tax of €5.613. Is my invoice so correct? Or do I have a (thinking) error somewhere? Thank you for your answers in advance! Marco

Hello, I am the new one here and I have a question….as first: I have 2 small shops for about 14 years and for 9 years I have a GmbH with good balance sheets, everything tippi toppi…since then I always lease my cars over the BMW Bank, so far without any problems because: Balance sheets are great, for years always my rates well paid, never been anything. Now I wanted to order a new car at the beginning of last week and: will be rejected if I don’t at least 9,000 euros !!! le!!! What I didn’t need all these years and the explanation was: since I am the shareholder of the GmbH and at the same time also hired myself as managing director—hhhh…hello??? How else can I do that, ponder….I am totally angry honestly said, my husband still has to do with a gentleman from the BMW Bank tel. but: nothing. After all these years I wonder, what’s wrong??? Every employee who earns less than half as I get a financing without Deposit and I will be rejected after all these years or should make a fat deposit…sorry…would love to hear your experiences or much can anyone tell me why there was suddenly such a “clash” from the nice BMW Bank for me…thanks for reading…