Category: Auto-Finanzierung Forum

Hello together, I am 24, earn 1500 € net and want to buy my 1st car. I would get in with the SF class 1/2. My plan was this: for about 3000-3500 € buy a used car, monthly I would have about 400 € for free perception (after deduction of rent, food, leisure and saving). Do you think that would be enough? As a reserve I would have about 1500 € if unexpected repairs were due. Which car would you recommend me? Had rather to a 1 BMW or VW Golf thought. Thank you!

Hello together, I was here so far silent reader and wanted to ask what you mean about my project. I play with the idea of buying a new (used) car at the beginning of next year. I have been watching the market for a long time and now I have found an offer that is pretty much in line with my ideas. Based on this I have calculated how I could design a financing next year: Purchase price: 28.500 € Sale/indemnity old vehicle eug: -6,000 € down payment from saved: -6,500 € remains a difference of 16.000 €. My idea is to finance this over 4 years, at a rate of approx. 350 €. After two years I would redeem the loan, because then a savings contract of approx. 8.000 € becomes due. I earn per month 2.840 € net, whereby already a VL saving of 100 € is deducted (above saving contract). In the last 24 months I could save on average 640 € per month, so the amount would theoretically be for the Kredi my questions are now: Thank you in advance.

Hello together, I have to put together the financing for my pre-ordered G Class by the end of 2022. My saleswoman could only tell me that Mercedes Bank likes to see low monthly rates. How should I choose the deposit and closing rate? Maybe there is someone here who has experience. Had thought as follows: down payment 35,000 closing rate 125,000 48-month financing of the remaining 40,000€ My credit rating is very good and our net household income is in the lower 6 st other debts or loans

Good morning. At the moment I think about financing a new car for luxury reasons. I feel like something bigger. My monthly fixed costs include: All insurances (dental supplement, household supplies, current car sales etc.), electricity, hot rental, internet, gym, mobile phone contract, food, drugstore, hairdresser, refueling, streaming services, priv. retirement provision. – Home ownership is no longer planned. At the end of this list is a plus of 850 € at the end of the month. after a down payment cost approx. 247,11 € per month. Final rate after 48 months approx. 11,000 €. The vehicle to be financed is a diesel with 53,000 km on the clock. I would then sell my current vehicle privately to get the down payment back in and put it back on the High Edge. I am very careful about financing and wanted to get back insurance. What do you think about it?

Meal together, I am faced with a (for me) tricky question. The following situation: I want to finance a new used car. The car will cost approx. 21.000€. My current equity is about 2000€. In addition, I could sell my current car for approx. 10,000€. However, I get this only in private sale, dealers usually offer approx. 800€ only. That is too much loss for me. Therefore, an inpayment for me is not possible. Now ic h best to go to the bank first. Pick me up the 19,000 € (since 2k equity) and buy me the new car and then take care of the old and give me the 10,000 € proceeds of the bank. However, a special redemption will not change the rate. However, this would be significantly important. However, I constantly and always need a car for the way to work. I have not yet found the right car for the purchase and therefore still have time and not under pressure. ss I find both a buyer for my old vehicle and at the same time the right new vehicle is I think wishful thinking. Maybe I think much too cumbersome. But how would you like to do this ? 2 credits? Once for the 10,000€ you pay back directly after sale and then a rest for the 900€ you then stammer ? I hope here on suggestions 🙂 Until then you have a nice evening!!

Hello together, because of the fact that my 15 year old Ford Focus with more than 200,000km gives up so slowly (motor problems etc.), I now want to finance a new car. Actually it was planned to drive the Focus for another two years, because it came fresh over the TÜV. But now he doesn’t want any more… Anyway, I find the Focus a very nice car and I am very interested in the Focus ST 2.3 EcoBoost: Price: 27.990 Euro Kilometerstand: 38.5 50km Year of construction: 2019 I myself have no experience with financing and wanted to hear from you if the following makes sense: Deposit: 5,600 Euro (approx. 20%) 60 months Rate á 303,50 Final rate: 9,236,70 Euro or down payment: 5,600 Euro 60 months Rate á 432,14 Euro no down payment Now to me. I myself am 25 years old. Earn approx. 3,000 Euro net per month and am a civil servant on lifetime. Monthly fixed costs amount to approx. 1,500 Euro (rent, insurance, pension, Inv I don’t have any other current loans. Children are not currently in planning, just like another apartment. Alternatively, I also find the Focus ST-Line with 150 hp (Bj. 2019) very nice. It would be less for about 4,000 euros. That would be a more sensible solution, but you don’t have any other fun aside, do you think it makes sense? Dear greetings and many thanks already! Julian

Hello! There are quite nice computers on the internet that calculate what the km drive costs by car. The problem is that they throw everything into the balance like insurance, taxes, etc. But that doesn’t quite fit, because the car is registered anyway and taxes I pay also, whether I don’t drive with it for a while or not. I’m interested therefore, how I can calculate what the km drive costs me without these o. g. factors. needs to calculate for the distance and the wear. That’s almost it, isn’t it? The loss of value may be even more pro rata, because it also loses value, if not driven with it. Does anyone have an idea how to calculate it reasonably?

Hello all, at the end of December I am out of my current job (employer change), at the beginning of the next season I wanted to buy a new motorcycle. I plan to sell my current motorcycle, so I can use it as a down payment for financing (about €3,000). My current net income amounts to about €2,000, my expenses are about €800 per month. The price of the motorcycle I want to finance is with special equipment. At about 13.000€, after a deposit the loan amount is approx. 10,000€. Since I have only used vehicles and have no experience with credit institutions (except a loan with the house bank, which I have paid back reliably), I wanted to inform myself how informed people would assess whether I can get a private loan over this sum in March (i.e. after the probation period). If the chances of rejection are quite high I would prefer, me do not capture a Schufa entry for the rejection.

Hello, I have had someone drive into my parking golf 7. I had an expert report done. Both doors on the left side have to be made. In the report stand ~4200€ gross for material and effort in a VW specialist workshop. The car is financed by VW. The approximate market value of the vehicle is 14.500€. I had already played with the idea to sell the car before. Am I forced by the financing to perform the repair at a VW specialist workshop? Or ka n am I paying out the 4200€ from the opposing insurance and having the damage repaired in a free workshop? Thank you, Greeting Pablo

Hello, from my own experience, I can only encourage everyone to take a close look at this financing and also ask Sixt about it. With a good offer the price is partly good, but you always have to have in mind as described here in the forum it is ultimately a leasing with all advantages and disadvantages. But in my view Sixt is not the most customer-friendly lessor. I have now left my cars after 3 years and will not return this model of the Now to my question, the last act of my Sixtleasing history. The vehicle can only be delivered free of charge in Munich/Garching, otherwise in my case there are 422,-€ transfer fees (is part of the contract). Now I have the car in Berlin counter and find it at carpark sixt on the internet again with location Berlin. I find this already naughty, I have paid for a contractual service which was not performed. try to get this money back or is it wasted time and nerves, I find it very bold. Does anyone have a tip on how to proceed ?