Buying, Financing or Lease a Car in Germany? Which is worth it?

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  • เผยแพร่เมื่อ 20 พ.ย. 2024
  • Buying, Financing or Lease a Car in Germany? Which is worth it?
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    Disclaimer: None of the content in this video is meant to be considered as investment advice, as I am not a financial expert and am only sharing my experience with stock investing. The information is based on my own research and is only accurate at the time of posting this video but may not be accurate in the future.

ความคิดเห็น • 56

  • @Easyservice-x8q
    @Easyservice-x8q 4 วันที่ผ่านมา

    Ahsan your explanation so good

    • @ahsanfinance
      @ahsanfinance  3 วันที่ผ่านมา

      Thanks for the appreciation

    • @Easyservice-x8q
      @Easyservice-x8q 3 วันที่ผ่านมา

      @ahsanfinance Thank you very much,I watch all your videos

  • @Wandrer618
    @Wandrer618 13 วันที่ผ่านมา

    Amazing job brother ❤

    • @ahsanfinance
      @ahsanfinance  13 วันที่ผ่านมา

      Thank you so much

  • @HudHasib
    @HudHasib 17 วันที่ผ่านมา

    I always wait for your next video. I would really appreciate if you make a update video on your stock portfolio on a monthly or once in a 2 months basis. You can also explain the reason behind the spike or fall of your stock.
    I want to learn more on that topic.
    Thanks and Regards
    Hasib

    • @ahsanfinance
      @ahsanfinance  17 วันที่ผ่านมา +2

      Thanks for the appreciation. Ill launch the portfolio update in the coming weeks

  • @abcd-ek1rt
    @abcd-ek1rt 8 วันที่ผ่านมา +1

    I have taken a leasing car for 3 years, as I am new driver and certainly have very less knowledge to handle repairs or maintenance. 😮

    • @ahsanfinance
      @ahsanfinance  7 วันที่ผ่านมา

      Thanks for sharing. Yes it can be a good option for some beginners.

  • @paivig
    @paivig 8 วันที่ผ่านมา

    Thanks for the video. This analysis is valid is only for ICE vehicles. BEV could be bit different (still financially mostly better, but comes with whole set of reliability issues).

    • @ahsanfinance
      @ahsanfinance  7 วันที่ผ่านมา +1

      Interesting point indeed. I would mostly agree too.
      I wanted to add BEV into the analysis but the data isn't simply there yet. Specially for the used market. For example, on mobilede there are about 1.5Million offers out of which only 78000 correspond to electric vehicles. In addition to that most of those offers are starting at 30K€+ which in my opinion would not be suitable for 95+% of the expact community looking for a car and I think 99% of first time buyers. That said, I will definitely include electric vehicles in the follow up video

  • @FabricioHR
    @FabricioHR 14 วันที่ผ่านมา

    I bought an Audi A5 2012 with 80.000 Km and so far it has been the best decision for the money.

    • @ahsanfinance
      @ahsanfinance  14 วันที่ผ่านมา +1

      May I ask how much did you buy it for?

    • @FabricioHR
      @FabricioHR 14 วันที่ผ่านมา

      @@ahsanfinance sure 12K. It is a S-line coupe edition.

    • @ahsanfinance
      @ahsanfinance  14 วันที่ผ่านมา +1

      That is a very good price for the milage

    • @abdullahzafar1862
      @abdullahzafar1862 12 วันที่ผ่านมา

      How often you need to go for maintainance? And how much is the maintainance cost.

    • @FabricioHR
      @FabricioHR 12 วันที่ผ่านมา

      @@abdullahzafar1862 once a year as usual for any car. Oil and filter change for 200 €

  • @anumrana5065
    @anumrana5065 14 วันที่ผ่านมา

    Hey Ahsan,
    Thanks for the informative video. Do you think having a company car for a newbie would be a good option ?

    • @ahsanfinance
      @ahsanfinance  14 วันที่ผ่านมา

      By a company car, do you mean is it a good Idea if a newbie gets a car from the company?

    • @anumrana5065
      @anumrana5065 13 วันที่ผ่านมา

      @@ahsanfinance Yes, I mean from our employer. This way we just have to pay some amount of tax monthly, no insurance, no leasing anything.

    • @ahsanfinance
      @ahsanfinance  13 วันที่ผ่านมา +2

      Well in most cases I think this would be the ideal situation. You dont have any upfront costs, no insurance and specially no depreciation to worry about. The only thing would be the allowance of company car to be used for personal purposes. Some companies have no issues with private usage but most have strict conditions.

  • @nuhadkhazii1103
    @nuhadkhazii1103 14 วันที่ผ่านมา

    Great Video!! Could you please make a video on Deutsche Bank account for students and all the benefits?

    • @ahsanfinance
      @ahsanfinance  14 วันที่ผ่านมา +1

      Well honestly speaking Deutsche Bank is not that Great

    • @nuhadkhazii1103
      @nuhadkhazii1103 14 วันที่ผ่านมา

      @@ahsanfinancewould you recommend revolut for students instead?

    • @ahsanfinance
      @ahsanfinance  13 วันที่ผ่านมา +2

      Yes Revolut is good option. Have a look at this video where I compare some more with Revolut: th-cam.com/video/L_sFNQNrPeE/w-d-xo.html

  • @kalaiselvanpanneerselvam1004
    @kalaiselvanpanneerselvam1004 16 วันที่ผ่านมา +1

    Hi, thanks for the video! The EU reimport cars (EU neuwagen) seems to be cheaper than new german cars. Do you have any information on it?

    • @ahsanfinance
      @ahsanfinance  15 วันที่ผ่านมา +1

      Well EU reimports are indeed cheaper and if you buy it from a reputable handler who has all the proper paperwork then it can also be a good option. The biggest downside would be when you resell it, most people think that as its a reimport there might be something wrong with it even if there isn't one. Additionally make sure that you are aware of the Gas emmision standards for that specific car and its features. As those would be different from the same car sold in Germany.

  • @itzael1619
    @itzael1619 17 วันที่ผ่านมา +1

    Hi, could you share where did you get the lost value over the years graph?

    • @ahsanfinance
      @ahsanfinance  16 วันที่ผ่านมา +1

      I got the data from Allianz and Huk Car Insurance

  • @Bull641
    @Bull641 17 วันที่ผ่านมา +1

    Ahsan bhai beard badi acchi hai aapki, Mashallah

    • @ahsanfinance
      @ahsanfinance  17 วันที่ผ่านมา +1

      Thank you 🙏🏾

  • @dafreakingusername
    @dafreakingusername 14 วันที่ผ่านมา

    If you are new in Germany you need a valid residency longer than the lease or financing

    • @ahsanfinance
      @ahsanfinance  13 วันที่ผ่านมา

      Yes, thanks for pointing it out. I should have taken the visa situation in account in the video as well.

  • @vielson
    @vielson 11 วันที่ผ่านมา

    I knew this already but what about the conditions of the leasing? Can I get the auto at the end? should I pay more at the end or in the begin etc etc etc
    Dankeschön auf jeden Fall

    • @ahsanfinance
      @ahsanfinance  11 วันที่ผ่านมา +1

      Well this is an overview video and the conditions for leasing vary from case to case. For example : You can keep the car at the end for a specific amount of fee or you can just pay any damage fee and give the car back. In most cases if you pay more at the start/beginning your leasing fee would be reduced compared to paying a higher amount at the end.

  • @Derz675
    @Derz675 17 วันที่ผ่านมา +2

    Hey ahsan can you suggest a high interest German savings account bank

    • @ahsanfinance
      @ahsanfinance  17 วันที่ผ่านมา

      Look into C24 and Trade Republic

    • @VineetPandya-h5g
      @VineetPandya-h5g 17 วันที่ผ่านมา +1

      Trade Republic

    • @mosaaabbb
      @mosaaabbb 15 วันที่ผ่านมา

      Klarna is 3,03%
      Trade republic 3,25%

  • @stephengozie1410
    @stephengozie1410 15 วันที่ผ่านมา

    Good guy man you are the best has an

    • @ahsanfinance
      @ahsanfinance  15 วันที่ผ่านมา

      Glad you liked the video

  • @Derz675
    @Derz675 13 วันที่ผ่านมา

    I’ve been watching your videos for some time and im new in Germany and with investing im from india and tried to sign up in both scalable capital and trade republic with my Indian passport but neither of those worked.. what can i do now?

    • @ahsanfinance
      @ahsanfinance  13 วันที่ผ่านมา

      May I ask what error do you get when you signup with Scalable Capital?

    • @Derz675
      @Derz675 13 วันที่ผ่านมา

      @ when i was trying to add my country it wasn’t showing India

    • @ahsanfinance
      @ahsanfinance  13 วันที่ผ่านมา

      Even on Scalable Capital? That is quite weird

    • @Derz675
      @Derz675 13 วันที่ผ่านมา

      @@ahsanfinance yes what to do now?!

    • @ahsanfinance
      @ahsanfinance  13 วันที่ผ่านมา

      Perhaps look into: ahsanfinance.com/Finanzen

  • @dafreakingusername
    @dafreakingusername 14 วันที่ผ่านมา

    3 yo car just from leasing is ideal

    • @ahsanfinance
      @ahsanfinance  13 วันที่ผ่านมา

      Were you able to find good deals with Used cars for leasing?

  • @Sarojininagarmarket_official
    @Sarojininagarmarket_official 6 วันที่ผ่านมา

    It’s little confusing

    • @ahsanfinance
      @ahsanfinance  5 วันที่ผ่านมา

      If you have a specific question, ill try to answer it if I can

    • @Sarojininagarmarket_official
      @Sarojininagarmarket_official 5 วันที่ผ่านมา

      @ Na .. I like your other videos tho 👍🏻

  • @d.deepak
    @d.deepak 15 วันที่ผ่านมา

    👍

  • @siddheshshivraj3534
    @siddheshshivraj3534 16 วันที่ผ่านมา +1

    We have to address the elephant in the room. Why do us desis buy used Audi, BMW & Mercedes for high costs with low features + lower selling price at time of sale.

    • @ahsanfinance
      @ahsanfinance  16 วันที่ผ่านมา +2

      Well I think its a cultural thing. For most people, its almost impossible to buy these luxury brands back home. Here its not the case. You can easily find used cars at a decent rate. Hence the decision. But I do think, some people over extend their budget just to get the Premium Brand name.