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You need a new car, but on the Bank account where business is slow – there’s only one financing helps. In the Trend of so-called mobility packages, but are they really the best choice? The main financing models in the Overview.


26.800 Euro – so much the cost in 2011, according to the Center Automotive Research at the University of Duisburg-Essen a new car on average in Germany. For many people a lot of money to pay the car in cash. According to the Aral-mobility study, only 35 percent of respondents planned to 2011 to pay for the new cars directly on-site.

Instead, the vehicle financing is growing in popularity. The customer can choose between different models. Use instead of own, is the Motto. Classical forms, such as hire purchase and Leasing play still a big role, but the Trend for so-called mobility packages.

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But what exactly lies behind the names and what are the advantages of the pumped mobility? SPIEGEL ONLINE presents the most important models for financing and says that for whom you are the right choice.

The all-inclusive-financing: mobility packages

Driving a car is expensive. Not only the acquisition costs but also the maintenance of the vehicle. So the 1.6 TDI, for example, for a current VW Golf, according to the Internet portal of auto check costs 134 Euro per month for insurance, taxes and maintenance due. These Items are included in the monthly Rates of the so-called mobility packages. In some Offered, the customer has also the possibility of the maintenance for a small extra charge to cover.

The provider of this service, the banks, the car manufacturers are mostly. However, there are this form of financing, for example, in connection with a sponsorship model, the company Athletic Sport Sponsoring (ACE). It provides for the athletes, officials and coaches an All-inclusive package, but with a very short contract period of one year.

The amount of the monthly Rate is determined generally in accordance with the original price of the vehicle and the duration. In General, to interested parties, with costs ranging from around 200 euros for a Smart (ASS), and about 300 euros for a Mercedes B-class (on the Bank of the manufacturer).

Best for: This Form of financing is ideal for people who stay flexible want. The costs are clearly structured and manageable. On the other hand, the lengthy financial burden, are facing a career change, such as loss of job, because the running times are quite short.

Cost example

Vehicle:
Mercedes B 180 Blue Efficiency

Product name:
Privat-Leasing plus

Purchase price ex-factory:
26.358,50 Euro

Deposit:
6946,02 Euro

Runtime:
36 months

Mileage total:
45.000 km

Monthly Rate:

299 Euro (including insurance, maintenance)

Source: Mercedes-Benz Bank

Free Choice: Three-Way Financing

After a amount, flexible Deposit, a monthly Rate, in the Three-way financing is due. At the end of the term, the driver decides whether he wants to give the car back or keep it. He wants to drive the car more, he has two options: Either he pays at the conclusion of the contract specified final rate, or chooses to continue to Finance the final installment due to a new contract in the case of the car Bank.

The monthly Rates are quite low. They are about 50 percent below the amounts of a classic car Finance. The reason: During the term of the contract, not the complete amount of the loan must be repaid, but at the end of a relatively high circuit remains rate. It corresponds to the previously calculated residual value of the vehicle.

Best for: This Form is ideal for the indecisive motorist. Only at the end of the term, he must decide whether to keep the car or return. In addition, the customer can respond with this model more flexible to the possible content variations.

Cost example

Vehicle:
Mercedes B 180 Blue Efficiency

Product name:
Plus3 Financing

Purchase price ex-factory:
26.358,50 Euro

Deposit:
6946,02 Euro

Runtime:
36 months

Mileage total:
45.000 km

Final rate:
Had 12,652,08 Euro

Monthly Rate:

264,36 Euro

Source: Mercedes-Benz Bank

The Classic: Buying Rates

The principle is simple: A Bank grants credit to the purchaser, with the purchase of the vehicle is totally or partially funded. Lender is either a classic money house or a car Bank. This is a financial services provider, which belongs to the respective car manufacturer. The repayment is made in monthly Installments.

The amount of the payable redemption depends on the price of the vehicle, the sum of the Deposit and the term of the contract. Some of the services, the customer can adjust the amounts depending on your personal financial situation on a monthly basis.

In addition to the purchase price of the vehicle, additional costs for interest, credit or providing commissions to fall. The effective annual rate of interest mainly depends on the model, credit amount and the term. In the Volkswagen group, for example, currently, between 0.10 (for example Seat Ibiza) and 5.99% (Seat Alhambra) to be due and payable.

Best for: The hire purchase is suitable for buyers who already at the time of conclusion of the contract know that you like the car after the last tee you want to keep.

Cost example

Vehicle:
Mercedes B 180 Blue Efficiency

Purchase price ex-factory:
26.358,50 Euro

Deposit:
6589,60 Euro

Effective Annual Interest Rate:
4.99 percent

Runtime:
36 months

Final rate:
not applicable

Monthly Rate:

591,42 Euro

Source: Mercedes-Benz Bank

For Entrepreneurs: Leasing

This type of financing is especially for entrepreneurs interesting. In this case, the car is not bought, but rented. Therefore, the customer finances the loss of value and not the purchase price. The key for businesses: The leasing object – so the car does not appear in the balance sheet of the company. In addition, the Rates can be entered in the accounts as operating expenditure. In addition, the leases do not need to take the borrowers the line of credit with its banks.

As with the Three-way model, the lessee (customer), not the original price of the car, but the loss of value. The difference between the original price and the future used car value is.

Best for: The tax advantages of leasing play for private persons, no special meaning. Therefore, this model is mainly for accounting for registered enterprises.

Cost example

Vehicle:
Mercedes B 180 Blue Efficiency

Purchase price ex-factory:
26.358,50 Euro

Deposit:
6589,60 Euro

Runtime:
36 months

Mileage total:
45.000 km

Monthly Rate:

261,75 Euro (including insurance, no maintenance)

Source: Mercedes-Benz Bank

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