Category: Auto-Finanzierung Forum

Hello guys, I bought a new car by financing in December 17 with 2000€ down payment. The sum is currently at approx. 11.500€. Momentary rate is 215€ mtl. I chose the car too quickly at that time and would have liked to have another, cheaper used (evtl Astra H o.ä) about 4-5 tsd. Since I can’t easily get out of the financing or return the car, I thought the following: I borrowed the approx. 11,500€ from my house bank, redeem the loan and then sell my current car. (Probably iwas would get between 10 and 11 tsd out). I would then buy another car and pay back the rest (about half of it) to the bank and pay off the remaining approx. 500€ in normal installments. What do you think of this idea? Apart from that, of course, I make a little minus when I sell. Dear greetings and nice weekend I wish.

Hello everyone I have a question and that’s what it’s about that I live in Switzerland and want to look for a car in DE. Can you lease a car from Switzerland in DE? If so, how do you proceed?

Hello together, I need help. I bought a car last week from a big renowned dealer and afterwards I felt kind of light-eyed. In itself everything on the car was up to the windshield, which has a small rockfall at the corner. I of course addressed the dealer directly and he said directly that he would fix this and I should just report this to my insurance company a few weeks later and the dealership would then be the Selbs Since I have never bought a car before, I naturally thought that this is a fair proposal. But that would be insurance fraud?? The dealer would have to take it and not my insurance. What can I do about it now? He has also confirmed this in the contract. Second question: I have completed a credit protection letter Plus when financing, because I thought it was useful. When I did some research, I realized that it was basically completely unnecessary. Can I get this revocation? The car was financed by the Audi Bank (volkswagen Bank). And how does that work out? I don’t want to upset the dealer either, because now two things bother me.. and unfortunately this dealer is also near me. Maybe I see him again for some reason and he reacts stupidly to me. I would be happy if you can give me good tips.

Hello dear people, I would be interested in your experience with balloon financing and how you did it. Maybe someone has had similar experiences like me. Here are mine: At 19 years stupid and no plan of saving. Accordingly, I had nothing on the edge, but wanted to have my desired car absolutely. Therefore, a few years ago, I signed a catastrophic financing, in hindsight. Keyword: balloon financing. Cheap guess and big promises from the dealer. Probably he was still laughing himself afterwards, as one can sign such a contract. After 3 years of financing first doubt came about about the end rate and the generous misconduct of the dealer. I could not sleep any more with perplexity. I could never and never pay the rest rate. With a further financing with the same rate and very good interest rate, I would have come to a financing period of a total of 10 years. the car already had a corresponding mileage, this was not an option for my father’s opinion and advice. When I returned to the same dealer to “request” his promises, he presented me with similar offers. I should pay the difference between replacement and purchase and then could have another. Well, at least I learned from error number 1 then went there without a new car. After rapping off many car dealerships and catching up from many offers and the m I’ve found a car dealer who made me a fair offer. Nevertheless, I’ve made a lot of loss and still take it out. I’d like to know if there are more people who have fallen for something like that. I feel like I’m the only idiot that’s happened. Sincerely, I’m the only one who’s got to say that.

Dear community, I am currently asking many dealers about leasing / financing conditions etc. I noticed that the dealer conditions are very fluctuating – partly in the range of almost 400 or 500 euros. Everyone actually works with the VW Bank, wouldn’t the conditions have to be the same everywhere? I wonder just how it can be that some dealers release their cars for around 500 euros for financing and others for around 1000 Eur o. To this one must say that it is always about the same model, the mileage as well as the engines and also the prices all in the same range. I am of course aware that one thing can theoretically be cheaper with Edeka than with Rewe but in such large ranges? Maybe someone can answer me the question so that I can understand it reasonably.

Hey together, I’ve been thinking a lot over the last few months, because the new Arteon R from VW (2.0 petrol, 320 hp) is a great attraction to me. However, the good piece currently costs 60,000€ with the basic equipment and right here is the crux. I don’t have the money so ready and would have to finance the car accordingly, and in this subject area I know very little about it. Maybe there is someone here who is a little more experienced with this topic, and from own experiences n can report what you should pay attention to and where/how you can finance the best. My current capital is 7,500€ and I currently earn 2,100€ net monthly. However, I am close to my Bachelor’s degree and will then receive a reasonable salary increase, however, how high this is not possible to estimate. Of course, it is clear that financing with a high maturity will be necessary, so I will be committed to the loan for a long time. I am well aware of the risks involved (especially since the car is also associated with running costs. Refuelling, inspection, insurance, possibly accident…). However, I am concerned here to benefit from the experiences of others and to obtain information, on what to pay attention to. Is even a leasing offer possible useful? Thank you very much!

I have financed a car and have now found in the contract that a full or partial cascade insurance is necessary for the contract to be valid. However, I have already got the car and not a full or partial cascade. Only a liability. Can it happen now that the financing by the bank is dissolved? I am afraid that they then say, then the contract will be dissolved by the bank. I also have so far only the loan application before the bank But then I wouldn’t get the car or? Is my first financing therefore my (doofen) questions

Hello, I am currently in the first year of training and have about 900€ net available. Since I live at home, my current car is slowly giving up my mind and I am dependent on a vehicle, but still wanted to remain liquid, I looked at some possibilities and found out about the keyword car subscription. I have just entered all my data in the portal and shortly afterwards there was a Schufa-information and the result cut me out of my socks: “The result I have only had two contracts (still) and have been running for years. Once this is my Sim contract and once my gym membership. The amount of 319€ would be to be paid – just because of my already formed reserves. Now I have also requested a data copy from the Schufa to check what is lazy. Do you think that it is only a matter of time before we can get back to you. m Income is that this is too low or do I probably have any entries somewhere? Even if the broken subscription is not so tragic now, the negative information makes me a bit of a headache. Had never got anything on installments before and never had to pay any reminders, which actually means that I am liquid, or am I stupid and don’t look through somewhere? Thanks in advance!

Hello, since my Mitsubishi Lancer has now soon TÜV and it is hardly worth repairing it and he honestly also consumes too much, I am on it and turn to look for a new car. It should not be much smaller than the Lancer and definitely a bit more economical. For the information, the Lancer is built in 2014 and has 184tkm now on it. First I loved with a Renault Arkana, but then my partner can in the O-Ton:”Are you crazy such an expensive What if you die?…” She buys cars for a maximum of 10-12000€ (for the price you get at the moment only a Corsa) and said that I have to pay at least 1500€ in order to be able to afford it. My budget that I have left per month is just over 1000€. So much for it. I drive to work almost 90km a day, so the car should be really reliable and already some com How would you do this financially? First repair the Lancer again, continue driving and save more money? How high should I choose my budget maximum?

Hello municipality, with my previous employment relationships a car was either inside or not. But now I am asked if I want one. The car policy is relatively strict, there is a passat with pre-defined equipment and a leasing rate of 435 EUR. I have unfortunately not yet gross list price. The fuel is paid by the company, private use is allowed. I know that I have to tax 1% BLP plus 0.03% per KM. The downside is a salary waiver of 250 EUR per month. o 3000 a year. Gross of course. That’s what I’m about to do… Is that good/bad/normal/unusual? Is there a formula that calculates this? Thank you for your comments I’ve just expected an estimated BLP… What I can get out net with car would be 422 EUR less… Already a batch.