Category: Auto-Finanzierung Forum

I am the sole shareholder/manager of a GmbH in the field of industry. Company foundation was at the end of 2014. 100% of equity was invested. Since January 2018 the initial investments are back inside and there is regular sales. Previously there was no or only minimal sales. In January 2018 we made sales i.e. from €30,000. Monthly we have been contractually assured by framework contracts with various distributors since 2018. Our profit margin before taxes, however, after operating costs is about 50% As managing director, I do not receive a salary, but pay me a certain amount (usually 1000€) monthly as a loan from the GmbH (usually 1000€). I do not think I have a good creditworthiness. Is it possible under these circumstances to lease a company car with a new price of 52.000€ (15,000/36/0)?

Hello it is a new vehicle (new Mazda 6) that should normally be with one-day approval. The dealer said this is not possible, he gets problems. Now it should become a driving point, that has a holding time of 6 months…… so the vehicle remains to be leased to the dealer for half a year, and I buy it… sales contract goes also on me … insurance also I should pay ( I drive after all) after half a year is then changed to me … now I finance the car (not about the dealer) and am not quite sure with the duration of the stop.. could be that it is a crooked liability .. just think the worst thing about it;-) someone has experience with vehicle purchase with stopover time (registration to the dealer for a certain time) The financing is pending, and I also have to decide whether to take the vehicle wool or not (the dealer has offered at least that if I do not agree with the change). I was also able to get back from the purchase contract) So experiences of people who have acquired a new driving show, with holding time 🙂 Thanks PS. Calm me, so that I can make the purchase 😉 wait for my new one after all already 3 months.

Hello together, I am currently thinking about changing my Focus mk4 for a ST X automatic, as I have been following this dream for a long time and unfortunately Ford 2025 is setting up the production of this car. All this as a new car, this would cost me 40,49€ with overpass. As a down payment I would sell my car private for about 17,000€ and put 10,000€ on it, 13,49€ remain to finance. I would pay this to 48 months to 200€ each (9600€). 90€ and about 500€ interest (currently there is a 0.99% action on interest) Now to me, I earn 1900 net, minus all fixed costs like rent, livelihood etc remain currently about 600€, sometimes more times less. I will drive in the year about 25.000km, of which 45km simply to the job. Yes I am aware that the ST will consume a little more than my current, which I drive with about 6l/100km. Due to the higher consumption and the insurance would be about 150€ more to the fixed food Is this a dream that can be fulfilled or should I rather let it be and continue my journey? LG

Hello, I’m just about to make a decision on a salary increase or service car. I hope you can help me with this. Current salary 4335€ gross, married (SK 4), without children. Option 1: salary increase to 4875€ gross – i.e. from approx. 2680€ to approx. 3020€ – net increase + fuel card 50€. Option 2: service car (no matter the brand, total not yet decided exactly but up to 70k€ rather 60k€) All costs of the service car (insurance, maintenance, wear) are borne by the AG. I can easily shop in the company. Controlling 0.5% regulation. My work path is just back and forth: 70 km (5 days of the week). There are no official trips. Privately I drive about 20-25 000 km a year. Currently I drive a Polo 2004 1.4 petrol as a second car. It drives and runs well. Actually costs me only fuel per month (approx. 150 €). Maintenance costs (oil and other costs I do myself – but also costs not even over 100 €) For longer distances I use BMW 5e r 2015 520d costs me: 250€ financed + insurance 83 € (plan was to change next year). A variant with company car would not be bad. I would then sell both cars. Hopefully you can help me and give good suggestions ?

Hello community, I am currently facing a question that I still couldn’t resolve in my mind. I currently have a Peugeot 208 on sale at Mobile.de. Today a serious dealer from another federal state who is looking for a car on behalf of a customer. The dealer is himself a large Peugeot dealer. He wants to propose several cars to the customer and asked for my data and asked for my final price. If the customer chooses my car He would pick up the car. The car is financed and in a few months the final rate would be due. This is higher than the sum that would be paid by the dealer. However, the dealer would like to have the car letter at pick-up. However, I can’t advance in the big full amount. How do I best deal with the situation. Has anyone experienced an idea or specifically the same? Thank you very much!

Servus, my training ends in August and will be taken over for a limited period of time. I will only be permanently in 1 year. I would like to get an Audi A4 or Skoda Superb if possible this year. However, since I have only saved 3000€, as well as only one car, which is between 4000 and 500€ worth, it will not be enough for a cash payment. The price of the cars is depending on the brand and model between 29 – 35tsd Euro. My colleague in training has a car for 15tsd at VW. No one had to vouch for them or anything else. Do the car dealerships have their own banks? How does that work? At the savings bank, they want to see an indefinite contract. What are my options? They will probably ask themselves why I don’t want to wait until I am taken over indefinitely. Well, I finally want to buy a nice car, which I would like to drive for many years. Thanks to the current policy everything becomes more expensive until you can buy nothing more. Better now than never. I would appreciate nice and helpful comments Greeting Lukas

Hello, the following concerns: My Audi is running via a VarioCredit at the Audi bank. It is a 2017 A4 B9 2.0 TDI, the contract is still running for 2 years from today. I always think about what I am doing with the vehicle at the end of the runtime. I could have imagined that I will take over the vehicle at the end. But now it’s the case that my Audi’s online estimates are already significantly less valuable (about 700€) than the predicted R In the meantime, it might be due to the diesel problem and the 2 facelifts. Now it would be a bad business for me to take over mine, because I could get “better” vehicles (also at the same dealer) for the same price. Are there experience values, how dealers deal with this issue? You have to take back the cars, so also have the high residual rate on the cheek? Do the internal with the Audi bank clarify or will this simply be used as a And do you think that this again gives me room for negotiation? According to the motto: “I take it to the current course, because otherwise you don’t get rid of it better?” 🙂 I’m probably not the first one to play through this topic mentally. Is there something worth experiencing about it? PS.: And no, I don’t want to damage or snarle a dealer, but just look at how I like the best? PS.: And no, I don’t want to damage or snarle a dealer, but just look at how I like the best I make a cut, just like everyone else 🙂 Thank you for your answers!

Hello forum, I have replaced the loan for my current vehicle prematurely last month. However, because of the notice period I still have to wait until the end of May until I get the letter from the bank. i.e. I transfer three installments again “normal” (March, April, May), and then end of May the whole rest. The following problem/the following question I have: On my current car (Honda Accord Tourer 2005) the brakes, the timing belts and a few other small repairs must be prepared I actually wanted to postpone this and put the car in payment or for a good used exchange. But if I get the letter in almost 2 months it will be almost too difficult for me to drive around like this. Is there the possibility to exchange the letter of the new vehicle at the bank for the old one? So that the almost two months still have the new letter as security? I don’t want to have more than 1000,- Euro in the Au I don’t want to be too “obtrusive” at a bank. The financing is running through the BMW bank. Maybe someone knows what is “growth”. Thank you very much, T. (YetAnotherUser)

Hello to everyone, when I opened the letter of the Bafa earlier, I was rigid! “with the above mentioned payment notice the environmentalärmie was reserved for the period 21.04.2009 to 21.10.2009. Within this period the registration of the new vehicle as well as the scrapping of the end-of-life vehicle should have taken place. According to the proof documents that we have submitted these conditions are not available in their case. With the end of the reservation period on 21.10.2009 the above payment We ordered the golf at the end of March and the golf arrived only on October 2nd. It is the biggest and most famous car dealer in the area and he assured us that we have nothing to worry about! We picked him up on October 2nd and left the old Corsa there a few days later, in the opinion of the dealer had no hurry – he would all erledi But then I got a call that my mother would still have to sign the contract, but that would have time, she could come by after the holiday. On October 18th my mother came back and we went the following days (don’t remember when) and signed it. Everything was great, we were invited to the Christmas party, we were called by the dealer, if everything would be okay – nothing problems. Now this letter! What now? How should I proceed tomorrow? That’s 2500 euros, I wasn’t prepared for something like that, because he would handle everything… and everything seemed to run smoothly. I have to be able to ask for the money from him, didn’t I?

Hello together, what is the procedure if you want another car of another brand during the financing? Will the car (of course with loss) be returned to the dealer and a new car made by the other dealer – or – Is there also the case that the current dealer takes the car back and takes care of the procurement of the non-branded car and adjusts the financing accordingly? So it would work if I had a brand-like wagon and during the financing (of course always with loss). Greetings