Category: Auto-Finanzierung Forum

Hello, would like to buy me a car financed by a private seller. The car is not financed by the manufacturer’s house bank, but there is a branch of this bank in my city. So far, but the constellation in my case is not quite understandable: A financing is after all a loan contract consisting of lender (=bank) and borrower (=in my case the seller)?! ->Here is a problem for me that the contract The bank is the owner of the car, since it is not yet fully paid. The current seller would become the owner with payment of the last installment, right?! Would it be possible for the seller to request the letter from/at a bank branch near us? There the letter could then be triggered and the vehicle could be transferred to me as a buyer. Is that true? Ask me only if it is a problem, if the holder is not present or maybe knows nothing about the sale of the car? What rights does the registered holder have in this case? How does this affect me as a buyer? Does someone know about it? Would I be very happy about an answer!

Good day, I have the opportunity to get a company car from my employer now in the training (Fiat Punto Evo) I also understood the 1% regulation but how does the whole together with a new price of the vehicle of 19.150 €? My gross salary is now in the 1st year 600 € I would make a deposit of 3,000 Euro and monthly a surcharge of 120 € which I then get back privately. mfg

Hello everyone I have a few questions for you to buy and finance a Jettas. So I’d like to start with my father to buy a Jetta Freestyle at a list price of 25,714.00 euros, so far so well. He would like to finance the car with the 0.9% financing of VW for 48 months. How does it work if he orders through an intermediary. How high would the financing sum be as high as the list price or like the discounted price – 4000 euros VW environmental premium. In general, it would be better for him to have a small deposit or no deposit at all and a small rate as possible. I have already tried to find a specific answer for the search function for many answers I would be very grateful and would like to thank you in advance.

So far I have not come across the corresponding threads with my search, therefore I apologize if I open a topic here which has been discussed several times in other places (btw a link would be nice). I push in my used car search, whether via Autoscout24 or mobile.de again and again at dealers, who only want the contact by mail and offer relatively new used cars at 50% below the market value. Partially I hit fast created Inte rnetseiten where directly dozens of cars are offered to above-mentioned conditions. Current example:http://www.mdautomobile.de/ On the one hand, I know of course that it can not be done with right things, if I get a 2006 RS4 that has run just 50TKM for 18.00€ after, on the other hand, I want to know exactly because of what dubious machinations are behind it! Are the vehicles stolen? What is behind it? If someone knows closer or possibly already Erf I would be very pleased to have an answer to this question.

Hello together, I would just be interested in what the different manufacturers offer so to push the year 2010. I know from Daimler that the “Young Stars” are offered as an annual car grade with a 3.33% financing and that the leasing rate at Privatleasing Plus and Businessleasing Plus (these are two products where the insurance rate is fixed for max. 48 months and costs depending on the vehicle and vehicle age between 29,- € and 89,- € monthly) This is also contrary to the theory that cash payers receive higher discounts – now it is more likely that the manufacturers prefer to give their discounts in interest-rate advantages and reduced leasing rates, so as not to openly show how much you “leave out”. Which actions of which manufacturers and banks do you still know?

So far, my fiancée and I have both been pendling far to work, they 45 KM easy, I 65 km easy. For them, vehicles are medium to purpose, for me also hobby. She has a 2016 Renault Twingo, I have a Seat Ibiza 6L as a winter car and a Megane 3 RS as a summer car, because I do not want to drive >30 TKM annually with the Megane. She has now made herself on 01.03. and therefore “pends” only 15 KM easy. She must now at the beginning probably Fah If she were now employed normally, I would simply exchange cars with her, since we would both simply state 30 cents/KM as advertising costs regardless of the actual costs. You would drive the short way more often with the Megane, then I would use the Twingo and the Ibiza could be sold. Is such a constellation also legally possible if she is independent? She wants to keep the book in order to prove that she is travelling >50% in business (is she definitely)? I don’t think that is allowed, because the costs would not be clean to separate with reasonable effort. The fuel costs of the Megane would be almost twice as high as with the Twingo… Have you already had experiences with such a constellation or any other idea? Greetings

Hello, I have read in the forum once but found no answer for my specific case. I have a company car (Passat 2.0 TDI / 190PS) to the BLP of 61,000€. The leasing rate due to all kinds of GK discounts is only 600€ gross. There is also everything there: tires, maintenance etc. in principle all inclusive. In addition, there are fuel, insurance, tax and small stuff like disc clear etc.. I can not accurately quantify these costs. I drive about 40,000 km a year, of which about 40.000 km 2x50km daily journeys to work (250 days x 100km = 25,000km). Furthermore, I use the car for about 5,000km private. Rest (10.000km) are on duty. My share of the service decreases rather than that it increases. In addition, the shortest route (39km) from place of residence to place of work is taken into account with the payroll fee 50km for the faster route (already recognized by the FA). My tax class is 5 / top tax rate (42%). The following approach: Due to the fact that I currently tax 1% of the BLP and still 0.03% for the journey to work, I have nothing of the discount, which is reflected in the leasing rate. My taxation currently looks like this: + money-worthy advantage company car (1,0 % regulation) = 610,00 € + money-valued advantage driving costs (61000 * 0,03% * 39 km) = 713,00 € = total money-value advantage to be taxed = 1323,00 € A travel book for me?

Hello, I’m in a situation I haven’t found anything on the net. I hope you can help me. I work for a company in bicycle distance with a customer at 35km distance. We have an office there on the premises. So I ride my bike to the company parking lot in the morning, get into the car, drive to the customer and drive back to the company parking lot and home with the bike in the evening. During my stay with the customer I don’t drive at all. I am employed by the company around the corner and my location is the office with the customer. I don’t know what that means with regard to the first workplace. Up to Corona I have solved this via a ride, but was forbidden because of contagion risk. Now the question arises to me: How is this with a monetary advantage? I have unfortunately not kept a daily travel book so far, had no idea about it. I have read that you have to prove at least 3 months. I’d drive the car for another 3 months and I could still get it started today. Also, you should be able to share the kilometers you drive fairly cleanly through the days and would just come to the conclusion that at best I have made a detour over the gas station. I’m afraid of a huge tax post payment. The car costs about 30,000€ and I drive 70 km a day. Would be with 1% rule damn expensive. But here I read again and again that the company car from to H I don’t know how to get the first place of work and place of duty in all the regulations. Does anyone have any advice? Would be very grateful!

Moin Moin, I would like to ask you a few questions about Vario financing at Sixt and hope that someone can help me here. I’m currently looking for a new car, as I’m afraid my mind is giving up. Now I’m thinking about whether I’m leasing a new car or “lease” from Vario financing. At Sixt, I would currently use the “Hyundai i20 1.0 T-GDI 74kW DCT Trend” including 10% down payment, closing rate and transfer costs for 30 months and 15,000 km per year for 63.59€ In addition, I could add the carefree package for just under 26€ a month, which would cover all maintenance and inspection work as well as wear-related repairs. Now I would have some questions about the carefree package as well as the overall concept leasing. 1. Would one necessarily use such a carefree package if one had the car only 30 months? Which maintenance and which wear parts have to be made or exchanged in time? 2. Would that be for leasing, or in the case Vario-Fin 3. This would now be the Hyundai with automatic. I am very happy to drive automatic. What would you rather recommend with Hyundai? With me the situation at the moment is that my car turns out to be a barrel without floor and feels something broken every few weeks. That’s why I would like to have a new car and there best then for the period of leasing also my peace and that I don’t have to worry about whether the car needs to go back to the workshop again. ss. I say thank you very much in advance and look forward to your answers.

Hello. The following mysterious case: car re-purchased and financed. Now after the end of this financing the balance was financed again via Skodabank and the car dealership. I revoked the credit protection letter (ratenschutzversicherung) for the closing financing properly and in due time. The revocation was confirmed by the bank already 2 weeks ago. And now a letter comes in from the car dealership: you want a close 250€ risk flat rate because the KSB was terminated prematurely. The KSB has been revoked, not canceled. What risk should the dealership have by the revocation? Is something like this known or already happened to someone? Is this legally OK? For me this sounds easy: “I try to get the lost commission for the KSB in otherwise!” Can of course also mislead me, then I swallow the toad and pay that. Is after all only eta 1/6 of the complete cost of the KSB. But only if I have to. Thank you for your help and opinions.