Re: Living in Germany Hello Sn1p3r,
Getting a used car is quite an experience (or was one at-least for me) and the process is pretty much the same as how we do it in India only thing you need to take care about is your local license and your credit history incase you wish to purchase the car on loan, which depends on how much time you have spent in Germany. I for one had a really hard time getting bank approve the loan since it had been just 2 months in Germany.
The procedure starts with searching for the car either online ( http://www.autoscout24.de or http://www.mobile.de being the top resources), visiting third party dealer shop or by visiting the car manufacturer showroom directly. But don't expect the sales guys to be as proactive as in India, you have to tell them the car you are interested in and the top limit of your budget. Usually these dealers are open for negotiation for a few hundreds or offer other kind of benefits. What i managed was getting a free TUV check and fluids top-up's before taking the delivery of the car.
Once you have chosen your car, comes the part to check the documentation. If you are buying directly from the owner you need to be a bit careful about checking the service history, TUV (this is important document which is renewed every two years for ensuring your car is road worthy). All the documents are sorted most by the dealer or the showroom and differs for direct buyers. One more thing you need to check while choosing your car is the set of Summer and Winter tires. Here in Germany, you have to change your tires every 6 months and usually a used car comes with a set of both (and if the previous owner used both). These days you also get cars with 4 season tires which can be used round the year but locals here prefer having 2 sets, 1 for each season.
For bank loans, usually the dealers and showroom guys do a direct spot check with their banks and let you know the decision either approved or not. However, before doing that you would need to work with them the monthly payments you wish to pay and the amount of down payment. You can also ask for your bank for a loan directly and then use that money to purchase the car. I dont know how the bank hypothecation works here as I never explored that option. Buying a used car from car manufacturer IMO offers a low rate of interest than reaching out to the banks via the dealers. When I was shopping for a used car with Audi and VW were offering 0.99% and BMW was offering 3.99%. If you are working for large organizations, these manufacturers have other "special" offers too.
Apart from the above the only thing to finally take care is applying for car registration, the Insurance and Tax which are based on the CO2 emission of the car. If you are taking the car insurance for the first time it is usually very high since you have no experience on german roads and thus higher the risk. I had taken the insurance from my office consultant so don't know how it is to approach directly to the insurance companies.
This is more or less what I went thru while my first used car purchase
Do feel free to post your queries and i would try my best to answer them
All the best with your search.
Last edited by dar3dev|l : 3rd October 2015 at 20:39.
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