Category: Auto-Finanzierung Forum

Moin Moin, I am a student and would like to buy a car. I will only drive 99% in the city with the car. The box should be inexpensive in maintenance (consumption, insurance etc.) and of course reliable. I could spend 2000€ for the car, it can also be 230€ if the car is then much better and cheaper because of the 300€. Tax and insurance are paid from another pot. I hope you can help me find a reliable and cheap car. Thank you in advance.

Hello dear ones! Now there is also trouble with us! We leased a Citroen C2 VTS 1.6 HDi FAP 3 years ago. We started on the 0% financing at Citroen then, because the offer sounded good. It is of course a residual value leasing. At that time it was assumed as a basis for calculation that the car goes back after 3 years and then it has 60,000 km on the speedometer. So far so good. The guaranteed redemption value is now, according to the contract, 7,728.00 €. Today I have with said m dealer called and let him know that the flicker has only 36.000 km on the speedometer and we would hand it off including winter tyres on aluminium wheels, sports radiator grill and iPod port (of course, everything was not available ex factory, but was installed afterwards, but can be removed again). He then gave me the following information: If I would return the car in a perfect condition, then the vehicle value would be at 6,100 € at present. n! According to Schwacke, the car has a dealer’s purchase value of 7,300€. Now my question to you: What is the basis of the dealer’s calculation? I mean, he can come and say that the car is in principle not worth anything more. The car has cost new almost 18.00€. I am stunned that it is supposed to be worth only 1/3 of the new price. And that after only 3 years. What experience values do you have about this? I thank you already in advance for your answer en!!!

Moin people, the following – I have before me in January to buy a used Audi A6 3.0 TDI (4F). He should have a maximum of 150k km away. My first question would be if you had any concerns about this mileage? I have already rummaged a bit at Mobile – the prices are so at 12k – 17k for an A6 with proper equipment. I would like to handle all this via a so-called 3 way financing (balloon loan). in, since this year the new model still appears. So I could simply “pay” the final rate again by handing out the car. I wouldn’t drive the car for more than 3-5 years anyway. My question about financing – did you have experience with it? If so which? And what do you think of this possibility of financing? mfg d1rtysouth

Hello, I think I could have a little problem: My girlfriend once ordered something from amazon about my name, without telling me something, which is actually not so bad, but unfortunately my car insurance was also debited in the week, so the costs of amazon could not be debited any more. Do I already have a Schufa entry? Can I do this problem if I finance my car over VW? I work in the public service, get a regular and good it’s salary and I guess I have one of the safest jobs Do you think there can be problems?

Hi, I’m done with my studies in the summer and I’m currently driving a Polo 6N year 95. However, it’s starting now slowly with wear and repairs. Since I earn my money from summer then, I wanted to get another one. At the moment, the new 6 golf was quite appealing to me, but the one with 16k is still quite expensive (year-old car), which is why only a financing would be possible. I could not afford a used one at once. Either way, I would start I don’t have my own apartment at the moment and I don’t have any other obligations. I just wanted to get a JAhreswagen. I know that the VW is very expensive, but I already paid about 1000€ more for my current polo than for other models. So far I have driven very well with it and the car never let me down. en ^^. what would you do? or which car would you choose? thank you and many greetings.

Hi people, I have received an offer and would like to buy an A class. so A180 CDI Mistralblau Year of construction 2008 Kilometer: 31 000 km and normal equipmentPrice: 14000,00 € with 1. TÜV AU new 2. Brakes new 3. Customer service new 4. 24 months Young star warranty. I want to pay 7000,00 € and finance the other 7000,00 €. The question is however as follows: It may be that I want to sell the car again in 2 or 3 years, now the question. In 2 or 3 years the value of the car may be I would like to pay a final rate of 7000,00 € and until then only interest. My bank thinks the A class would be too expensive because bad color and above all very many kilometers and then the consumption would be very high. He advises me about the financing and the purchase! What do you say about it?

Hello all, I drive about 40,000 km a year. 32,000 of them to work alone with 80% ATB. My eleven-year-old used car has cost me over 600€ in the last 18 months and 60,000km a month (purchase, rep.) Residual value is no longer so great. For the journeys every day the vehicle must be economical. For the journeys with the family must have woman and two children space. For the holiday we need space (combi). It should also be reliable. Mind. Equipment for me are – Climate -Xenon -Tempomat -AHK -USB 🙂 Do you get this balancing act somehow? When used, the rep. risk at my driving performance is too incalculable. Demonstration cars for 3 years lease or balloon financing and then return? And relative low Riskiko of expensive repertures (guarantee)? Or buy over 5 years and complete additional guarantee (is there the up to 200,000km?) I am grateful for your tips. CU TA

Hello together! Since I have only anger and disproportionately high replacement costs with my used car at the moment, I am thinking of paying for it and getting a car through a financing. However, since I am not very well acquainted with this kind of “car purchase”, I would have a question or several questions about it. It should become a car of Honda and Honda itself also offers a relatively good financing computer on their homepage. e” also a little explained, but I just want to get this explained exactly or correctly ^^ And this is about the following:When financing a car I can choose three different types of financing:Ballon financing: You pay low monthly rates + a higher fixed closing rate. That means I pay a down payment, the accrued rates AND in any case the final rate, right? (so that the car really belongs to me in the end). This is clear to me^^3-Options-Financing: You decide at the end of the contract period whether you will pay * the residual value and keep the vehicle * the balloon rate will continue to finance and the vehicle will continue to drive * the vehicle will return on the basis of the buyback guarantee Here is the real crux, I explain once as I understand it: I will pay a down payment in this case too, decide for a runtime Then I can choose which of the 3 options I can choose at the end of the time. What do I have to consider with Option 2 and 3? Will the balloon rate in the previous rates be further financed? So that the existing contract is virtually “renewed”? And: What do I have to understand under Option 3 exactly? It would be very nice if some helpful people would find themselves here^^ Thanks in advance!

Hi, I’ve been asking myself for a long time now what it would cost me if I wanted to afford a car as a student. Since I’m actually a motorcyclist and I don’t do anything out of cars (which I could afford), I don’t really make any demands on such a vehicle at all. Just one thing: it has to be cheap. But I don’t mean the purchase price, but all the costs we say is over 5 years. Which car should be bought best and how much m I assume that I would drive 10k km in the year. I found the Seat Marbella of my buddy quite suitable. So again the demands: comfort: min.2 sit and a roof safety: eigtl. however does not harm to calm the parents. everyday suitability / useful value: perfect to 100% no matter a green plaque would be good. Optics: this is your own When I see all these golf 4, ford focus, corsa b, ford ka etc. driving around, I feel bad. They’re just a lot too bender. It should just be so ne cart where you don’t care. (seat marbella) It’s hard to describe what I mean. But an externally completely wrecked cart I would prefer a golf 4 at any time if the technical condition fits. I would then, for example, simply use the car with the roll in a striking paint paint and repair parkblessuren improvised. Well, I’m a bit own and I don’t think I can understand well what I mean but the main focus is: a cart for 5 years for as little gravel as possible.

Hello! I am currently a student and bought myself about 1.25 years ago a new Golf VI GTI. Works from the financing also so well. Pay monthly a rate of 146 € + 83 € insurance. I took the package with a 0.9% financing and had a deposit of 9,500 € through scrapping premium, environmental premium, slaughter and own savings. After four years a final rate of 18.000 € is due. In my planning, however, there were now changes, because I will probably continue to study without income or go abroad for a year. What losses should I expect if I return my golf already prematurely? Do you mean my contact person participates in this? Can I expect to get something from my deposit? Thank you for your information