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Moin to all hope that I am right here. When I went into the new negotiation with my boss, I was offered a company car. However, since I live 40KM away from the company and the list price is about 5000€ gross of the vehicles, of course I have a lot of charges, that it would certainly not count on the 1% regulation. Now to the question. If my employer after the cost is offset e.g. a rate of 300 euros for the vehicle monthly to Za But I would be willing to explain the costs for the company car, would theoretically not have any money worth advantage any more. Could this work in some way? I have already ringed at the tax office but they didn’t know any more. The tax consultant is on vacation and the decision should be made at the beginning of the week, since the orders should go out there. Hope you can give me a little tip (: Dear Greetings)

Hello together, I know that there is already one or the other topic here. But neither the topics nor the Google search have finally brought me further. No, I would say rather confused. I recently bought a car and partly financed it, for the first time! The seller said in Germany a so-called “carefree package” would be mandatory. On demand what the credit costs would be he meant 2,99% so total X and it would contain everything. fast, about 60 DIN A4 pages are printed and presented one page after another with signature fields. Of course you can say who can read is clearly in the advantage and about it I am also massively annoyed today. What happened: Purchase sum: X down payment: Y Loan amount: Z + “carefree package” Interest 2.99 % = Total loan amount As collateral for the loan the cession of the vehicle and the wage attachment were given. Then follow 3 pages to the credit agreement together with cancellation instructions (1 4 days) and some pages GTC ́s for payment, what happens if, use of the card functions etc. Following 2x insurance information including cancellation policy with 30 days. The insurance consists of 2 packages, 1x death, 1x unemployment etc. In addition, there is there, which one receives the documents together with cancellation policy again within one week and the cancellation period of 30 days from there applies. Now more than 20 days have passed and I still do not receive the documents again Only a “welcome letter” from the bank with the summary from the credit agreement (a Din A4 page). Well, can I really revoke the RSV separately within 30 days? Does the credit agreement remain unaffected by this? I feel a little messed up as the interest rate has nothing to do with 2.99% at all. In addition, I already have various insurances to cover all the mentioned risks. Since the car is already picked up and registered I do not want to use the I would like to provide extracts of the contract if it helps to clarify the situation clearly. VG

Hello I’m new here and have a few questions at once. I bought a new car last week. About half of the purchase price is financed by Commerz Finanz. The dealer said that it comes out the same with the financing, whether I take the RSV with me or not. I now have favorable interest rates. If I had omitted the RSV, the interest would have risen, so that I would have come to the end almost the same amount. Sound plausible first. For this RSV I pay approx. €550, which were included in the financing (at 1.99%). Questions that appeared afterwards:1. Can I cancel this residual debt insurance directly at the bank in writing?2. If so, is this reasonable in retrospect? Or do I run the risk that something will change in the financing afterwards (higher interest rates etc.) and I may even be worse?3. In the case that I pay a higher closing rate and trigger the loan, I would get about €550, which was included in the financing. probably a part of the RSV refunded? Or is there no possibility? Dear greetings, Sabse