Category: Auto-Finanzierung Forum

Hi, let’s ask a question. Can you calculate where on the Internet, or is there a rule of thumb or anything else to calculate what I can afford ? So if I have so much equity and so much capital, and so much in the month can pay off ? So that I already know in which price frame I can move …. Thanks. Lg Michele

Hello together, I bought a car about 4 years ago via a 3 way financing. Now next month the final rate is out after which I then get my vehicle letter or the registration certificate Part II. Now my question is how long do you have to wait for it? In the letter of the bank it is noted that after arrival the final rate of the letter should be sent to me after 8 weeks. I find this for quite a long time and would like to know if anyone has any idea if this is so normal or if I have to set the bank a deadline within which I want to have the letter available. Thank you already for your help!

Hello, here’s what I ordered a kamiq for my wife via meinauto.de. I was told by telephone that I could withdraw from the purchase at the moment when the dealer informed me that the vehicle can be picked up on a certain date. In the meantime, due to the galloping prices in all areas, we are no longer sure that we can do everything without any problems. This is not about the monthly rate of 82€ and a deposit of 800€. We would sell the Peugeot 208 bj. 08.18. It is more about the time after the 4 years of leasing. Then the Kamiq has a residual value of 17000€. Of course, we can give it back. If I think so correctly, then the new cars prices are no longer in order. 110hp ambition with the package Business and Travel and even a smaller package bring it to 30,000€ 2019 I paid for a eu Tiguan with 130 hp and a very good equipment a little over 26000€. Seen in the table, it was about the average price for new cars. In 2011 it was 27000€, in 2022 already about the 42000€. That actually says everything. But no matter. Maybe one of you knows if I still have a chance to withdraw from the leasing contract. If not, then I was impressed by the phone. These were the famous blindfolds for a new car.

Hello, I am 26 years young and want to finance a Porsche Cayman. I have already covered 900€, but I still lack about 75.000€, I have already asked banks. I find unfortunately that the interest rates are far too high, about 5.99% was the lowest offer! I earn 320€ a month and could easily spend 1500€ for the financing, live with my parents, therefore only small monthly costs. Hope that the value of the car does not fall, so I would have Do you think the interest rates will be even cheaper? Should I wait a few more months?

Hello, my wife and I would like to buy an AMG, it is our dream car. You 26 , I 28 are working and have monthly net 750€, no children no house, for the car we have already saved about 40,000€, are needed a total of about 81.000€. So we want to finance 41,000€, if possible with special redemption, we would spread the instalments to 5 or 6 years, so that monthly does not have to be paid too much, but nevertheless we want to have the freedom and use special redemption so hopefully in a maximum of 4 years to end the financing. Did someone do it like that? We don’t want to wait any longer, because our current car is too old and doesn’t last long.

Hello! Vllt you can support me in my decision whether to keep my existing Tiguan 2 or exchange it for a new used Tiguan. On the situation: My balloon financing runs out at the end of June. During the runtime it was 0% interest. It is then open a closing rate of 10,000€, which I either redeem, continue to finance or choose another car. As with balloon financing usual. I currently drive for work 20,000Km/ Year. I plan to work for 2 years and then retire. Then the driving performance is reduced significantly (max. 10,000km/year). Momentary mileage is about 90,000km. Variant 1: Keep the car and pay the final rate 50% immediately and fund 50% (interests still unknown). Then I would have paid a mileage of 130,000km at the start of the pension, the car would be 7 years old completely. Variant 2: Return the car next June and finance a new used car (Tiguan 2) . My dealer would take the car back for 15,000€. (According to Dat.de it would be even 16,500€) Which variant would you choose? Continue driving because I will retire soon and drive less and accept any repairs due to the higher mileage. Or rather take a new Tiguan (in any case no longer possible with 0% lenses!)? To the existing car: Volkswagen Tiguan (AD1)(01.2016->2020) Special model Join EZ: 01/2019 (EURO 6d-TEMP) mileage: 91 .000 km Motor 2,0 Ltr. – 110 kW TDI, body: 4-door Drive type: Front drive Gearbox 6-speed Euro 6d-TEMP Start/Stop system Greetings

Hello, I use the portal for the first time myself. I always read here. I also don’t have a huge long question ider would like to answer specifically to me and my income and my situation, but experiences. My question is how likely it is that a financing through the car dealer at Santander is rejected. I know the criteria like no negative Schufa, good score, regular income, permanent contract etc.. I still worry, you know the banks, at the end it is called despite good income etc, nevertheless no. Is it a difference whether you want a private loan at the house bank or make a financing for a car via the car dealer? What is more approved? And are there also people with not so huge income or a Schufa score of less than 95%, who have nevertheless been approved for car financing? Thanks already for your experiences. Thursday I get to know if everything works, but have ka ufvertrag etc already signed with the car dealer. But I am a head man who always worries and is afraid, tomorrow comes the call, was rejected”. So how likely is such a thing? Thank you <3

At the moment I am faced with the decision whether the purchase of a company car is advantageous for my situation. My annual salary is 70k (tax class 1) and my annual driving performance 7,000 km private and work back and forth 3,000 km, which makes me think whether this is a profitable option. With the option of an own car I would opt for a small used car worth 12,000 euros (consumption 6L/100km), which then completely my own In addition, there are ongoing costs such as repairs, TÜV, insurance, taxes and fuel that I would have to finance from my already taxed net income, I think that will be €2,500 a year. My calculation shows that the maintenance of the used car would amount to €5,000 over two years, plus a value loss of €3,000, resulting in total net costs of €8,000 in the first two years. In the case of a company car, I am considering a BMW 2 plug-in hybrid with a list price of 42,000 euros. The leasing rate for an annual drive of 10,000 kilometres amounts to 370 euros per month, plus the taxation of 0.5% of the list price and a flat-rate calculation for the distance to the workplace of 10 kilometres. Costs for repairs, TÜV, insurance, taxes and fuel for the company’s wagon n are taken over by the employer. List price of 42,000€, with 0.5% of the list price: 210€ Work path: 0.03% * 42000€ * 10km) 126€. Gives a monetary advantage of 210€ + 126€ = 336€. Gross annual salary is about 70,000€, hence tax burden 40%. Could someone help me to determine the annual cost of a leased company car? I would like to understand how the offer of a company car affects my annual net income – i.e. how much less can I pay for a company car? This would be the result of an increase in the number of jobs in the Community.

Hey am 24 & would have asked n if you would do it the same way Currently I have n 3 Bmw running over the BmW bank, purchase price 32k & more than half is paid are still 15k open. With a sale I get about 23-25k for it so I have at the end still 8-10k „profit for the next car. Now the question, I wanted to get a C8 Corvette for about 106000€ , i.e. the amount from the other car as a deposit + 5k own capital. The monthly rate I would also make 1,2-1,5k there I only have fixed costs of 300€ with a earnings of 2.8k net rising. [Job is 95% safe for the future] ) In 4 years this would be 72k + the ca 15k payment € which are already paid off then. prefer n higher rate instead of I spend the money so. [Once money there is usually out ????] Outlook into the future is not planned own home or children since I can theoretically live at home free of charge for which I am grateful [own floor] Since I would save the money anyway I’d buy a car like this doesn’t make any difference if I’m enjoying it now or only right in 4-6 years? Vlt changes my future for home after the years but there’s nothing planned since it’s supposed to be for the car tbh. Did you just want to hear your opinion like you think ??. Would you do it the same way?

Hi together, the following situation between buyer and seller within the family. Private car purchase, which is recorded in writing in the purchase contract, with a standard form from the Internet. (Mobile/ADAC/etc.) The whole was agreed in instalments, which were all paid so far, monthly. There is not a single delay in payment. 1/3 of the purchase sum has been paid with the rate. The remaining 2/3 are still outstanding and continue according to the contract with the rate. gbrief was with the buyer, because of registration etc. was forgotten to give the seller back into his care. Is of course not good and cuddly, but because of lack of time and new job. Now there was a dispute and seller demands the vehicle letter because he was guided to remember for the second time. (Understandable) There was a 2 day period and the buyer reacted because he did not want to stress any more by transferring the remaining full purchase amount (The 2/3 still open The next installment would only be due in the following month. The seller now claims to want to sell the car, because by paying the complete remaining purchase sum (2/3), which he wants to remit again to the buyer the contract would be void. Because indeed on instalments was agreed. Of a special payment or closing rate nothing is in the form. The contract itself states “The vehicle remains the property of the seller until the full payment of the purchase price.” He wants to keep the car and is dependent on it, had various costs already (repairs, insurances, maintenance etc.). Is the contract invalid/invalid because the “rate payment” was broken by complete transfer? Can the seller sell the car, although there was no payment delay as soon as he has the vehicle letter again? And that is what the contract would be void of? Can the buyer insist on the instalment payment as soon as he has his 2/3 Retrieve?