Category: Auto-Finanzierung Forum

Hello dear community, I have come across your great forum by chance and would need some kind of purchase advice. I have now since January my “real” rag (before accompanied driving with 17) and slowly long for the first own car. I have saved a lot of my training fee and have now scraped together a total of 500€. In principle I don’t care about the brand as long as it is not a French or Italian. Perfect would of course be what German . Requirements would be a not too small motorization (not to be pushed by trucks on the highway), as well as an extreme “knotch ball” (fox, micra etc.) Moreover, the running costs should keep in the border area and it should be a petroler, as I will not drive more than 12000 kilometers a year. I hope you can put this one or other model to my heart. I am grateful for every answer.

Hello, first of all, I don’t think I’m right here in the “Financing” area, because I want to hear more experiences. So please tell me where I can move the topic. I’m currently driving an Audi 80, 2.6L. In the month I return on average 1000km, of which 50% city, which is anything but fun with the fuel prices with my current car. 15L Super on 100km are nothing. In addition, the use on the highway over 140km/h is no longer portable. So I’m looking for a used diesel up to a maximum of 15,000€. Since I’m impressed by Audi, it should be something in the direction again, but also like VW/Skoda etc. My big problem, which car should it become now? I think the 2.0tdi dpf with 170ps is so nice, but I have heard so often about problems beyond the 80,000km. In my price segment, however, the engines have already ~150,000km down. Is that too much for the ‘modern’ engines? If you had an older engine (2 ,5tdi), so also cheaper car possibly less running costs? Although I can not imagine that. My rough preselection is with the Audi A3 Sportback/A4 from BJ ’06 with 2.0tdi 170ps. VW Passat, Skoda Octavia RS also from this year of construction with the engine. But personally the A3 says the most. It should not become a ‘spar wonder’, a certain sportiness and a certain degree of comfort and equipment should bring the car with it. However, I am also off for older models. if they reach the current consumption values somewhat, since 15,000€ is my absolute limit. However, for this I may still be interesting, I often have to say hello to Martin through environmental zones.

Hi, I am the Marvin 17 years old, I have had my driver’s license for 11 months and I am allowed to choose a car up to 100,000€ for my 18th birthday. At the moment I still have to gurgle around with the BMW 650 (kotz) from my sister. Since I love Italian vehicles I now have 2 favorites, but can not decide. So it should be either a Ferrari 430 or a Lamborghini Gallardo. Unfortunately I don’t have a suitable subforum for the Marvin ken found and therefore hope that I am right here and can help me some Lambo or Ferrari drivers. So purely optically and from the sound I would prefer the 430, but in terms of longevity I wanted to know if the Lambo is perhaps the better car because there is a lot of Audi in it? Besides, I would like to know if you also know good tuners for the two brands, where you can get some more performance later. Thanks in advance for your answers LG Geeek o

Hello, I have a question… From the 1.08. I start my training and then also have a regulated income of net about 700€. But now my car, which I then also depend on, gave up the mind on time. In order not to get angry with an old mill again, I thought of a used car, which is to cost 700€. But the bank did not grant me a loan, because I do not meet the requirements, because the reckon with a minimum amount of 550€ monthly for d he first person + 200€ for the car, which should remain after the payment of the loan. They advised me to ask for the financing at a car dealership. Flott I found my dream car for exactly the desired price, the seller charged me the financing, tomorrow I wanted to report then… And then I remembered: what conditions do I have to bring there at all? He asked me for nothing at all. Now I stand there a bit stupid: – A payroll kan of course, I also saved a couple of € to pay the first installments, and next month I have a small side job in view – but I can not deliver a proof… – Which minimum wage should one prove exactly?! The bank would be the SantaderConsumer Bank – I am also in the probationary period, gives the problem? – Could someone from my family vouch for the time for me or would that be a problem if the latter were to be able to deliver. ts a loan has been running in another bank? I could seriously cry here…

Hello together, in advance: the search did not give me any useful results. If a similar Fred already exists, then it was not an evil intention. Discussions, whether one should pay a car better in cash or finance there is already a lot here. Also, which types of financing are preferable to others. But I am interested rather the other side, i.e. I want to pay a car cash and put my money aside so that I can even the next – hopefully better – car I would like to know from the cash payers: – Do you consciously put a certain amount aside for your next car month after month? Or do you generally save an amount X per month and if a new car has to pay this from this pot? – How do you put the money on? Savings book is stupid, Giro account much more. Daily money account, funds or savings letters? – At what intervals do you get new or used cars, i.e. with what life span k Alculate? To the background: I will soon buy my second car bar and for me the question arises about the easiest way to do that again. Against the background I found the Fred quite interesting. Thanks already for the answers.

Since I know that when it comes to deciding whether to lease or to finance better, the situation is always important, I now ask for advice and try to describe my situation: Current car: Astra G 1.6 Petrol Kilometers per year: approx. 25000 – 30000 Current KM-Stand des Autos: 120000 The mileage is related to my work. However, the route is mostly motorway. Since I have between 200 and 300 Euro petrol costs per month, a diesel would be very interesting for me. J I was with my dealer today and he currently has annual cars of a former company there. That would be an Astra H (Diesel 1.7) with approx. 10000 km. He would sell them for approx. 11.000 €. I find this is a very good offer. Then we looked at the car and then he suddenly said to me: “Why do you throw out the money like that? Do leasing. That goes with 0 € down payment and a leasing rate of approx. 200 €/month. After that you can leave the car again. And they ha You have a full guarantee and nothing can happen. Be honest and think about how much money they have already invested in their used cars. Why should you do that?” <-- sounds really good and reasonable. Now the question arises, why does he say something like that? Because he wants to/must or because it is really more meaningful? My income is about 1400 € net per month, whereby quite a lot is deducted (apartment, Ben) zin, insurance etc...) So I don't have much money left. The money I have is 3000 €. And even the money I get for my old car (estimate about 3000 € again). That means I would have 6000 € available. My question that I'm asking now is: Well, with 6000 € I could lease a good 2 years. On the other hand, I could invest the money in the "new" used ones and maybe finance the rest for 2 years, but then it would be my own. Or should I really drive my current car to the bitter end? For the next few years I will have to drive these routes and drive so many KMs. Maybe someone has a tip, because I don't know very well about this, am unsure and always break my head.

Hello forum , I know that I’m going to start a wave again with the question of meaning or nonsense. I want to buy a Golf V R-Line TDI and fi nance it via VW. Price approx. 34.000€ / deposit 850€ and then the 3-way VW over 48 months. How high must my net earnings lie about ? ( I am single and have no children) Would be nice if you can throw me some facts and figures in the room, thank you !

If we ask our Renault dealer, he reacts somewhat uncomprehensively. Therefore, I hope for some suggestions from your side: Situation: a Renault privately leased – runs another three-quarters year – then he goes back to the dealer. But now we are full of Renault – honestly – the muzzle, would like to stop the leasing immediately and instead take an Opel. Used by any dealer – however financed. Now the Renault dealer stubbornly imagines that we could use the vehicle. buy out (doesn’t go) He hitped, the Renault-Leasing-Bank insists on the fulfilment of the contract – or we could interrupt the contract and take another Renault for it (waheh!). Idea? Capital for interim financing definitely not available. LG Achim

Hello I am more or less facing a problem. I am currently driving a Micra, BJ 1997, 195000 km and slowly but surely no longer fit for driving. With my current employer I am on 1 June out of the probation period and come into an indefinite employment relationship. My job is all of Germany. The problem now is that I need a new car, but probably only for 36 months, because after 2-3 years in the job you “rise” and get a company car. So now go a new car doesn’t make much sense for 2-3 years. But if I were my favourite, because I have dealer warranty here and have 3 years rest before repairs, TÜV etc. (could have been). A used car would be in question, whereby I would of course like to have a “stupid” car and they all commute so between 15-20,000 euros. So also an amount that I would have to finance. On the other hand, I wouldn’t have to take a dienstragen right after the 3 years, but could then just w I would have a maximum of 8000 euros, but then my whole “cash money” would be gone. Finazing is actually no problem, because the mileage flat rate to my salary will be transferred on average 400-600 euros in addition every month. I’m looking for a good plan to buy a car without destroying unnecessary money (almost a contradiction in itself, I know 🙂 ) Maybe you still have good tips or ih r was in such a situation and can help me. Thank you very much!

hall together! I looked at a car today, which I would like to buy. during the visit I noticed, because the owner told me that this is a diploma car (he himself is the diploma).Now to my question: since this is indeed tax-free, was also when buying this car no legal VAT was paid in Austria (20%) if I buy this car now privately from him, then the 20% is due? I hope there is someone among you who can help me with this. also write about whether you come from Germany, Austria or anywhere else, because the laws are different from country to country. if someone also has personal experiences with such things, please answer! thank you for every helpful answer mfg bernd