Category: Auto-Finanzierung Forum

Since I have already fallen on my nose several times in relation to the residual value, I now think about leasing (kilometer calculation). The whole becomes more calculable for me, since I do not have to worry about the later payment. The cars, the higher the additional equipment is, are, as a percentage of the list price less worth. The whole additional equipment is not taken into account to the same extent as the list price and thus pushes the percentage rest. In the private market, my vehicles usually cannot be marketed, since the residual value is still too high when sold. So I am forced to pay my used vehicle to the dealer. So even now and thus for me a leasing would only be possible with the manufacturer bank. Geleast is to be a Volvo V70 to the following basic data: Leasing agreement with mileage invoice LP 50,000 Euro gross down payment 20% leasing rate 450 Eu ro grosso LZ 48 months KM 100,000 would therefore pay about 31,000 euros for the period of 4 years. Hardly believe that I would get rid of the car to the residual value again. That would be, in relation to the list price, at 19,000 euros. Even if I would now consider a discount of 10%, still a residual value of 14,000 euros would be. This amount will probably not get me again or only hard, since on the private market nobody would pay me a 4 year old car with the running leist This is my experience so far. In my opinion, therefore, I do not have a large cost by leasing, avoid a capital commitment by cash payment and have no risk regarding the residual value. A financing would not be possible for me, since I do not want to keep the vehicle after the 4 years. Then I could also choose the cash payment option.Ha Am I missing something?

Hello, I would like to lease a Seat Ibiza 1.6 16V Comfort Edition 5-door with 77KW/105 hp (Super lead-free). Since I still did not have my own insurance and could only take over an insurance with SF 1/2 (140 %), I would be interested in the offer with Sixt with the flat-rate insurance. (Since this seems to be much cheaper for me) I have added extra equipment and come according to Sixt to a list price of 18.33€ (incl. VAT). on 54 monts and 10,000km of mileage per year (in case of mileage billing) I get the following conditions: Advance payment of 20% of the list price = 3666€ (including VAT) Delivery/approval costs = approx.800€ (including VAT) monthly rate = 249.92€ (including VAT) The monthly rate is inclusive of all-inclusive package insurance (from Sixt), which is 89.25€ (including VAT) per month alone, including maintenance/wear and a protection against small damages that reduce the residual value would not be able to repererate because of the same retention (= FAirbag Plus). So, now to my questions: 1) Do you think that this is a good offer? Or do you think I get away with another (serious) supplier or with a dealer even cheaper? 2) Are there other costs besides the costs of taxes, petrol, tyres and any repairs, if I don’t drive more than 10,000km per year? 3) Does anyone know if you still have any problems with Sixt? a little bit? (I don’t actually assume, but you never know *g*) Thank you for answers and help! Sirstepfen

Hello, here’s what I’d like to do with an e90 330d lease. At the moment, I have an Audi A4, which he’s supposed to take into account. Now, however, there’s an amount of €250 to be paid off at the Audi Bank (normally until the next year – small installments) I could now pay off the amount and let me hand it over to the car letter, then he could take it into payment. However, I’m not quite as liquid at the moment and that would take a few months until I get the amount to a Does he have the possibility to transfer the remaining instalments to the Audi Bank and give them with the rest? Then I would have to wait net and he would have no financial disadvantage either. If someone says now then I should rather not lease 330d, I get more net in 2 months. Thank you

Hello! I hope I’m right here and describe my problem!I had an unindebted accident, whereby my car(Fiat Stilo Kombi Bj2003) suffered a total damage! The car is fully financed and the loan is still running for 4 years. Residual debt approx.8000€. My EX girlfriend vouched for the car and since we still understand each other very well, I pay my installments every month.I have now commissioned an expert and see what he sets in value. Can I use the money from the insurance company to buy a new car and continue to pay the instalments or ask the bank to replace the loan, because there will be a residual value of the vehicle and to sell the scrap car, I need the letter. I would like to use the rest and scrap value to buy a new vehicle and continue to service the loan, but the bank has no more security except my guarantor! Thank you for your help!!!

Hello together! I would like to buy a Volvo V50, which has run as a demonstration car. I would like to extend the car with some useful extras such as removable coupling. I will pay the car literally cash. Is it advisable to haggle the price first and then, if necessary, to trade the extras or vice versa? I am grateful for relevant information. Greeting Matze

Hello first of all to this forum I am now 20 years old and have been feeling for 2 years and 2 months. unfortunately I have to ask myself because I could not really find something for this purpose. I will be serving civil service from november and at the beginning of my (hopefully) training in the next year I will buy a car. the question arises: which? so my priority criteria are: – purchase price max. 4000€ better below – fuel saving petrol – lower insurance ngsbeitrag – low taxes – relatively low mileage (how much is ok with such a price?) – cheap spare parts / repertures – no car prone to the whole history still a few questions and namely: 1.) I would insure the car via my father. he already has a 2nd car. can one still take a 3rd car into the insurance? 2.) if yes, how much % and euro in the year would be expected (he drives car without accident for 30 years)? 3.) is e right s that well-known “young cars” like corsa or golf are very high in insurance? if not the corsa would be in my tighter selection. at the moment I can’t remember anything anymore. I ask you to give me some suggestions and tips and answer my questions, if that is possible. thanks already and friendly greetings lame

Somehow I didn’t want a topic “hijacking” for this post. I’ve been looking for a new car for a long time. In focus, S5, RS5, S4 Avant, BMW 335i, M3 Coupé, etc… Well… theoretically I can pay the cash. Practically you should calculate the financing. I like to save, with a reason why I can also afford the above car (just the waged background). Well, but I don’t get an invoice. Audi has a “super” now. Rtolle” 2.8% Leasing action. But if I calculate this (with the official computer) for a RS5, then my hair is too high. RS5 Coupé, net 118’850CHF, financial contribution 15’000, 24 months, 15’000km => 2650/Mt. If I calculate this on the 24Mt, then this comes to 87’000CHF, so I pay for 2 years RS5 drive 87kCHF. (Calculation does not look much different for 36Mt) If I take the rate calculation to help, and calculate with above key figures, I come to a kk Alculatory residual value of the RS5 (Fix given by AMAG) of almost 59’200CHF Heisst: For AMAG, a 2 year old RS5 with 30tkm still has a book value of 60kCHF ? What I mean by that, actually it is in this case yes HansWieWurst how deep the leasing rate is, as long as the respective lessors can define themselves a “fantasy residual value” (which one does not see at first sight and is also variable). So simply lower the (visible) interest rate and in the background the res And: How does that work then? I would pay additional tax costs, or would I get something refunded? Somehow the whole leasing extrem suspect is for me. Do I miscalculate, or is it simply pulled over the table? Would be glad to inform you. As I calculate this, the lessor gets 87kCHF from me, can then sell the car for the 80k (see, 80k not the 60k book value of which they in the leasing council e) and earn so 160k of a car net 118k is ? Do I see what not ? Do I have somewhere a thought error ? Is that the same with all brands ? Or is there (depending on the manufacturer) also differences concerning “realistic residual value ” ? PS: If one assumes a realistic residual value of 80kCHF for a 24Mt old RS5 with 30tkm, the leasing rate would have to be 1860CHF ….

Hello dear readers. As already written above I am looking for an alternative to the private sale of my car. Currently the used ones are rather avoided if it is not just a year car. Now I don’t know how to get my car away. I have to buy a new used one from private but have to get mine away for that first. Since I’m moderately tensed I am looking for an alternative to the stressful private sale. Has already tried to sell his car to the V isitenkarten Autohändler zu verkaufen ? Maybe someone has the same problem and can give me a good tip. mfg, Christian

Hello guys, yesterday a 20 year old car “sold” for 300€. Here I put it in mobile.de, and after 1min. a foreign buyer called. He knocked after a few dates he wanted to know about me. Then he said that I had received a purchase confirmation by email, which I should answer. So I confirmed this by email and took out the ad. Nnoch on the same day his colleague with the tow truck was there from a county about 150km away. Of course P The guy then telephoned with an Arabic accent a few times with his cell phone and looked under the bonnet a few times, then suspected all possible non-existent damage and phoned around again. A long time later he then pressed the money into my hand and loaded the car. I unscrewed the license plates and kept the car letter to register the car myself. I should then simply send the papers back to me. He didn’t want to have a TÜV and AU report. I just wanted to conclude a purchase contract, when the guy suddenly asked me about the old letter. I affirmed this and went into the house to get him. I didn’t find him right away, but I didn’t come back after about 5min. In the meantime the guy and my car had disappeared. Now it seems funny and a little murky: car away, (real) cash, still all the papers and license plates. in my possession, but no terrible thing, that the car has been in the hands of the guy since yesterday. Do I have to worry about that???

Hello together, I need your help. I’m not sure at the moment if this is a good offer or if I should consider another financing. Limousine 04/2016 15,442 km 100 kW (136 hp) Diesel Automatik Purchase price 29,000€ Advance payment in € 0.00 € Duration 48 months Total running power 80.000 km Effective annual interest 2,99 % Fixed interest rate p.a.2,95 % Total loan amount (net loan amount)29,000 € Total amount 31,557,12 € Final rate 13,915,20 € (49. Rate) Mtl. Plus3-Finance What do I have to pay attention to? Have heard the closing rate should be lower than the actual residual value of the car? Can I still negotiate it with the dealer? Thank you for your help.