Category: Auto-Finanzierung Forum

Hello, I have a few questions about Sixt Private Leasing. has someone already had such experiences: 1. Have I read here and there that there has to be a special payment, is that so or what condition do you need to complete this without a special payment like you can also configure the whole thing? 2. Delivery times: So right you get it out only after a complete application, so that there is also no back? Can I rely on a telephone statement roughly in advance? would think that they give extra a shorter time to buy 3. Return, Fairbag: Since you have 250 euros net on individual damages, is that worth it? Are they still very pingy? Do you have advantages if you continue with Sixt Leasing and new car afterwards? 4. Where can I find information if you have to return your car after half the runtime? Ginge that? 5. what happens if you had an accident or something is replaced properly, no matter if you now have your own eight about insurance or debt over his insurance, so that it is at the end an accident car? how does the leasing technique make itself felt? 6. insurance can still be freed up I think, right? 7. Is there still any catch?

The other day I had the discussion with my father about how much 1 km with the car actually costs. Our opinions are quite different. He thinks you can count on about €1/km, which I think is quite exaggerated… As an example we took the gulf of my mother. It is a Golf VI, 2.0TDI, 140hp, DSG. The car was one of the last of its generation with EZ 03/2013, had 4000km on board and cost €20,000. Cash purchase. The car is driven about 20,000km a year. The reason for the story was that I wanted to take a road trip with my girlfriend – and we could have taken a rental car. However, my mother said that she didn’t need the car at all, so we should take your car. I very gratefully accepted the offer and so we drove in 10 days well 3000km. My father now thinks, after we came back, that this makes an equivalent of about €3000, what I got there to drive on vacation It is not a dispute, but a discussion – in which he is quite sure that he is right. ======================================================================================================================= Insurance per year: €600 Cars Tax per year: €300 Service / HU / Workshop costs per year: €300 Wear parts, tyres, brakes, windscreen wipers, washing liquid per year: €400 This makes up for €1600 fixed costs per year. In addition, the fuel costs are more or less variable. at 20,000km and 6l consumption are approx. 1200 liters and at 1,35/litre the additional €1600. So with fuel this would be approx. €3200 per year. However, since I was fueling at my own expense during the trip as well as paying motorway fees, I assume here again from the initial €1600. 20,000km – €1600 3,000km – (€1600 / 6,67) = €240 I know that the loss of value can also be taken into account, but: Who is right here? How much “equivalent value” was the car on holiday? a lot costs a km with our golf? Is this generally a “good method” to be able to determine the costs for other vehicles as well?

Good morning, car lovers! For my new job I would like to buy a new vehicle, it must be a diesel, because with these kilometers the decision is made easy. I calculate with 50,000 km + x, the variable because it is field service. So every day I drive around 100 km simply to work, i.e. with the deduction of the holiday roughly estimated 40,000 km easy. I can resort to a gross salary of 45,000 €. Apparently, however, it is worthwhile with This is why, of course, the question arises as to whether leases, buys or finances. Leasing is too expensive for the private sector. It would certainly be possible for the first few months to take over the lease, whereby one has to pay helm with the contract, especially the multi-kilometres and when the contract is taken over the documentation of the pre-damage on the vehicle. Buying would be an option to save the interest on financing, however, I do not know what In the case of financing, it should be the monthly instalments, when buying, you will have to write off for several years. In the case of financing, you will be easier to get out of the contract than in the case of leasing, but you can look forward to a juicy additional payment. For the start, a “small” A4 or 3 Series BMW than an annual car is waiting for me, because the value loss in the first year is already murderous. However, I don’t know yet how long I will hold the car. In other words, if I sell the car again after 1-1/2 years and with what monthly costs without fuel do I have to expect? What would you advise me to do? mfg knetfigurformer

Moin people, I have been reading here for a few years, but could not contribute to discussions so far. Therefore my first post (and at the same time first thread): I am looking for a used car leasing for max. 500 € per month (incl. VK with GAP etc.): Car: A4, 3, C-Class, Passat Equipment: Diesel, Automatic, Tempomat Running time: 12 to 24 months Running time: 30,000 km / year I know the usual GW-leaser (with the HLA it almost worked, however they had the car between Now I’ve come across www.gwleasing.de. Has one of you already had experiences with them or have you heard about them? P. S.: No, I can’t lease a new car because I’m a freelancer and only finished my studies four months ago -> Credit rating = 0. And yes, I’ve calculated it: for about 4,000 € a year a young, German middle-class vehicle at 30,000 km -> unbeatable P. P. S.: I’ll be connected to gwleasing.de and update here if someone else is looking for experiences with them. Thank you

Hello all, I am currently in promising contract negotiations with a new AG. Since my new job is about 90 km (simple journey) away from my place of residence, one of my conditions is the position of a company car. I have now read into the topictile already. However, it is not clear to me yet. I would like to turn to the following example. a) My desired gross wage is 4.500 p/M b) List price of the company car 20,000 EUR c) Distance to the Work (simple journey) 90 km To calculate the net wage there are two possibilities:a) The “money value advantage of travel costs to work” is NOT taxed by the AG.Invoice: List price x 0.03 % x km = 20,000 x 0.03 % x 90 km = 540 EUR plus the money value Vortel des Firmenwagen = 20,000 * 1 % = 200 EUR => The gross wage to be taxed is then 5,240 EUR ( 4,500 + 540 + 200) => Net comes out then 2,270,86 EUR) The “money value advantage of travel costs to work” is issued by the AG. invoice: List price x 0.03 % x km = 20,000 x 0.03 % x 90 km = 540 EUR Minus Paschalization ceiling (= what the AN can sell in the context of its tax explanation about the advertising costs) = 0.3 €/km * 90 km * 15 days = 405 = 135 EUR must “Only” be taxed by the AN plus the monetary values of the company car = 20,000 * 1 % = 200 EUR => The gross wage to be taxed is then 4,835 EUR ( 4,500 + 135 + 200) => Net comes out then 2,482,77 EUR Conclusion: You can see deutl (b) for the AN as clearly better than variant a). What is not quite clear to me, however, why variant b) should also be better for the AG ? This must pay the travel costs for the work path in the amount of 405 EUR plus the tax on the 405 EUR (i.e. 405 * 15% = 60.75 EUR). In total about 465 EUR. In variant a) does this pay all the AN ? I hope you could understand where my problem hangs. According to literature, variant b) is both for the AG as well as for the Au ch the AN better than variant A) In advance thank you for your help

Servus, I have a question and that’s what I have to get a Golf 7. However, not as a cash purchase but financing. At the moment I earn 350€ a month & the car would cost 250, the VW Bank gives me alone with this naturally without a guarantor not this credit. Now the question: How much would my income have to be that I can finance the amount of 250€ without a guarantor? there is something like a table or decide the times so? Of course I get from my parents still money for fuel and from time to time also what of grandparents etc for insurance but as guarantor they do not want to be registered. Another question would still be if I could get the credit only on me from 600€ monthly income then I could also work also where other work e.g. for 250€ so that I get total to 600€ or does not go with 2 different salaries or do I have to tax the money then or not ? Thank you

hello, I finished my training last year, now work since november 2012 in a permanent job in another company. since I have to drive about 35km to work every day, I got a scrap box for 500 (opel corsa). that I need a new car sooner or later was clear. now I thought to finance a used car over a relatively short period of time. an audio a3 8P for approx. 7-8,000 euro. (year of construction 2003/2004, up to a maximum of 130000 km) I am 23 years old, earns approx. 1350 euro net in public service, indefinitely. I would have to deduct 200 euro from the net salary for petrol, so I still live at home no rent. I wanted to put away 400 euro for the car (for rate and maintenance), so I stayed about 5600 to live. until May I would have about 3000 euro together, which I could take as payment. so I would have to take still pimal daumen 5000 euro credit, which I then in a ze at the end of the year I get a special annual payment, about 80% of the salary in addition. I would also get back by the tax return also around 2500 euro, due to the travel costs to work. for me actually the reason that I would have paid the 5000 euro relatively quickly. I always wanted an audio and the dream I would like to fulfill now simply. about the financing you could argue about now, but I want to j not waiting another 1 year. what do you think about it? is that portable? did I miss anything?

I am a freelance IT consultant and from 1.3.13 for 12 months with a fixed customer (will probably be extended by another year in 2014). I now want to buy a new car and lease the business. I have about 200 journeys of 40km easy distance from home to the customer. No further career-related journeys. -> 16000km p.a. According to my experience about 4000km private journeys are added, so that a leasing with 20,000km p.a. is close. Share of 80% and the private at 20% For this case it would be useful to keep a travel book and not the 1% regulation + 0.03% for the journeys home workplace. Is it correct for this case to count all expenses for the vehicle to 80% as operating expenses? Pre-tax deduction as well for 80% of expenses. Do I have to pay/tax anything else?

Hello people, have decided to get me a car. It’s my first car I’ve been standing in my professional life for 1.5 years thanks to God and have an indefinite contract. Found a beautiful BMW 116i 2007 year of construction and would like to finance it. 7.900 € VHB should cost it. I can pay 2,800 € myself. So after negotiation should be about 4,700 € to be financed. My question: Which bank should I do this best? Of course I have in my Bek In my case, the BMW Bank. However, in the online comparisons only the house banks are displayed, e.g. Targobank with the supposedly best condition. I am confused and do not want to make a gross mistake in the financing. I want to pay the car for 3 years and can keep the rates flexible or make special payments. However, since I am an absolute newcomer ic h Advice. Can you help me? Thank you in advance Greeting

Hello, I want to sell a car online for the first time and I am faced with many questions and few answers, hope someone can help me here. Pictures are made and the car is ready to be put online. I bought a prepaid card because I don’t like to put my real phone or cell phone number on the net. But how exactly does this work now? I put this in and it calls me three people. I can’t order all because in the stupidest case two drive for free, no one wants it either. Does it mean if I have an appointment I don’t accept any more ? Vlt with the hint that it is possible to have it in x days ? Then someone wants to buy the car….I can’t sign it off beforehand, since I still drive it until the sale. I would also hate to give it away with vehicle registration and letter. There are contract forms in which I type in the sales date and a deadline for the registration of my car for the buyer. r do not sign off and thus build an accident or worse, is this contract then legally usable or liable then I as “still” vehicle owner ? How to trigger such a thing more meaningful ? Which contract forms do you know ? Which one is best suited ? Have now the one of the ADAC here, which looks quite usable . Let your test drives do ? Do you put there kilometers or times ahead which can be driven at most ? And if someone wants to “reserve” the car then, only against advance payment ne hme ich an ? So many questions. Would you like to spare me a lot of trouble…. Is there also somewhere reading what there are so for well-known tricks and abzockmaches ? If there would like to be a bit informed, is probably always better. Hope you can help me a bit ! Many greetings