Leasing deals still apply: electric cars and hybrids at special prices

adminonApril 27, 2022February 11, 2022Leave a Comment

Car leasing: what you need to pay attention to

Although the deadline for the black-friday offers ended yesterday, some leasing bargains continue, especially for electric cars and plug-in hybrids (PHEV). The best example is an offer for the Renault Zoe (50 kWh), which is offered at a lower price than at the ADAC. In the video you see what you should pay attention to the leasing contract in principle.

For links on this page the dealer pays if necessary. A provision, z.B. For vehicles marked with or green underline. More info.

Cheap! Special offer! Up to XX percent off! So it screams from the billboards of numerous internet stores from amazon to zalando. And also the big leasing platforms first and foremost leasingmarkt.De, but also zero leasing.Com want a big slice of the bargain pie. So it’s no surprise that even after black friday and special offers such as black leasing week at leasingmarkt, there are still a lot of cars on the market.De , the leasing platforms continue to offer some cars at extremely fair conditions- especially electric and plug-in hybrid cars.

However, you should not buy blindly. In the video above, we explain a few important basic facts about a leasing contract. We point out five important factors at the end of our five leasing bargains:

Leasing offers after black friday

price / performance (quality)

Very good
Satisfactory
Bad

Specialist editors evaluate the products advertised by the dealers on the basis of qualitative criteria.

Renault ZOE EXPERIENCE R135 Z.E. 50 incl. Battery

With winter tires you get the strong zoe, so the one with 50 kwh. However, the leasing period is four years with an annual mileage of 10.000 km. Attention: 11 cents per extra kilometer are not without. good: you can pick up the vehicle at 5 renault locations across germany, so you usually don’t have to travel too far. battery rental is now included, which was not the case with previous zoe offers.

From 148,83 euro per month plus 778,86 europassage

Peugeot 208 electric active

Offer valid for 2 years and 10.000 annual kilometers (but can be changed) and is really good considering the good mileage and that this is an e-car. You can pick up the car in cologne, but you have to wait 6,5 months until it will be there.

From 124.99 euros per month plus 760 euros transfer costs

Nissan leaf 40kwh (ZE1) "VISIA" (white)

Extremely low lease factor of 0.25 for an e-car! With e-pedal, which makes the brake virtually superfluous. The deal is valid for 36 months with an annual mileage of 10.000 km and the usual e-car down payment of 6.000 euros, which you can get back from BAFA. Attention: high extra mileage price of 11 cents per km. vehicle is available immediately and is located in euskirchen. .

from 75 euro per month plus 999 eurotransfer

SEAT leon FR 1.4 e-hybrid

A strong price for a PHEV that has a purely electric range of around 40 to 45 kilometers and is very well equipped, as is typical for FR. Ideal running time of 24 months at 10.000 km annual mileage. vehicle is available immediately and is located in bavaria. Closer location and more kilometers are not known – necessarily ask at the dealer!

124 euro monthly leasing rate plus 990 euro transfer fee

VW ID.3 life pro performance

With zero leasing.Com there is the VW ID.3 for private individuals. The vehicle is immediately available. Various terms and mileages selectable.

215 euro monthly leasing rate plus a whopping 1.099 eurotransfer

These are the facts you need to pay special attention to when leasing

term:ideally, it is 24 months – because then the factory warranty covers the entire term. If you still want to lease for longer (which can also have advantages, such as not having to buy new winter tires every two years), we advise you to extend the warranty period. It costs extra, but then you can really drive carefree during the entire leasing period.

leasing factor:the rule here is: the lower the better. The factor is calculated from the term of the lease, the lease rate, the purchase price of the car or car list price and the one-time payment. How you can calculate the leasing factor yourself, you will learn in this article.

additional costs:often a nuisance are the so called transfer costs, which are often around 800 to 900 euro. This does not mean that the car will be delivered to your door, but only that the car will be delivered to the dealer who made this leasing offer. Ideally, the dealer is not too far away from you, since you not only have to pick up the car, but also return it at the end of the leasing period. Be careful with additional offers such as insurance or service: it is often not worthwhile to take them, for example because you are already in a very high no-claims class or because it is an e-car with very low service costs.

inclusive kilometers:in principle, the favorable leasing rates are on a basis of 10.000 kilometers of mileage per year designed. Don’t worry, you don’t have to stick to this per year, it’s just important that you don’t exceed these kilometers cumulatively at the end of the term. Üby the way: there are sometimes (but not always)!) a goodwill of about 2.500 kilometers. If you drive more than the agreed number of kilometers, you pay for it. If you drive less, you get something back per kilometer. So you should know exactly how many kilometers you drive per year. Do the math, compare the leasing rate with a higher inclusive mileage and with the extra mileage prices (it should not be more than 7 cents per km)!).

Down payment:even in private leasing, it is now common that you do not have to pay anything for your new leased car (except for the transfer – see above). The exception here are the offers for e-cars or plug-in hybrids. However, they stretch here only the deposit of, for example, 6.000 euro only before, because you get this money back from the state within the framework of the electric car subsidy.

black friday is over: these are still the best deals

even though black friday is over, the bargain madness continues, especially at amazon. For those who are already tired of bargains, we have a special service: the CHIP editors scan the offers daily and filter out the really good deals. You will find a list of these in this news item.

Where does the name black friday come from?

Where exactly the designation comes from is unclear. One theory, however, is that retailers’ sales are so high on this day that they can recoup losses or slip back into the black.

In the USA, the first Friday after Thanksgiving is "black friday" Called. This bridge day is used by many americans, for example, to do the first christmas shopping. In addition, dealers lure customers with sometimes extreme discounts. In the U.S., black friday and the following weekend are among the busiest sales days of the year.

every year on this day, the biggest discount campaign in online retail also takes place in germany: on black friday, stores such as amazon, saturn, ebay, cyberport and many others promise to offer their products at extremely reduced prices. The black friday sale is therefore the climax of the cyber monday week initiated by amazon and at the same time heralds the start of the hotly contested christmas shopping season.

If you want to take out a loan with a bank, you will hardly be able to avoid the schufa inquiry. Negative schufa entries lead to credit rejection in the vast majority of cases. At least the credit will be much more expensive.

Important distinction: the topic of credit and schufa usually leads to confusion. It makes a difference whether you are looking for a credit without schufa query or a credit without schufa entry.
Credit without schufa query: in the case of credit without schufa inquiry, the bank would grant you a credit without obtaining a schufa information for the decision. But this does not mean that the credit agreement is not reported to schufa.
credit without schufa entry: with a credit without schufa entry, the bank grants you a credit without this being reported to schufa. This is often the case with small loans. However, this does not mean that the bank does not check the schufa information in advance.

schufa plays an essential role in the approval of loans.

the schufa information is a very important feature for the bank when approving loans, because it provides very quick information about the applicant’s financial situation.

Is the schufa score too low, the bank usually rejects the request in order to protect itself from a potential loan default.

What does the schufa information mean in concrete terms and does it exist? possibilities for a credit without schufa? These questions should be answered in the following.

What is schufa and why is it needed??

"schufa" stands for "schutzgemeinschaft fur allgemeine kreditsicherung" (protection association for general credit protection) – the largest credit agency in germany. schufa’s history goes back to the 1920s. the current structure with schufa holding AG as the umbrella, however, has only existed since 2000. schufa is supported by banks, large commercial enterprises and other service providers. Typically, these are industries that are interested in the schufa data.

At the schufa are more than 800 mio. Entries of around 67 million. Federal citizens stored. This means that practically every adult in germany is listed in the schufa database. The data stored concerns contracts with regular payment obligations, payment behavior and payment problems. Even if the solvency is permanently in question, it will be "noted" in the schufa.

A company that is a schufa partner can be schufa queries give an impression of solvency and willingness of its customers. This is important information for deciding whether a transaction should be concluded at all. For banks, the schufa query is an indispensable part of the creditworthiness check.

What does schufa provide information about??

schufa stores a lot of data, but does not disclose all of it in queries. According to schufa, only data is made available that is necessary for a trusting business relationship are necessary. schufa partners also generally receive only relevant data extracts. A distinction is made between A and B contract partners. Banks usually belong to the A category. These partners receive both stored positive and negative characteristics about the person in question, who must always give his or her consent for the schufa information to be provided.

The positive characteristics are about existing credit relationships to (other) banks or credit card companies. In the case of negative features, the following are listed – if available "conspicuous features" listed in the case of payment behavior from all contractual relationships recorded by schufa. An important additional and summarizing piece of information is the schufa-score value.

What is schufa scoring??

schufa scoring is an instrument that uses mathematical-statistical methods to aggregate the data stored by schufa into a score score condensed. This makes it possible to derive the probability that a customer will default on payments – a very important piece of creditworthiness information.

In addition to the "normal" information, Schufa partners also receive the score value that they require for their credit assessment be able to use. A special bank score is made available to banks in the process. How exactly the score is calculated and how individual features affect it is a well-kept schufa trade secret. However, it is immediately obvious that negative characteristics worsen the score.

What role does schufa play in credit inquiries??

schufa comes into play even when a credit inquiry is made. A distinction must be made between pure condition inquiries and "real" credit inquiries in the sense of credit applications. A credit inquiry is a non-binding inquiry with a bank about the conditions under which a loan would be possible. This is the only way to make effective comparisons, because the individual creditworthiness of the inquirer is taken into account when determining the terms and conditions. This is not possible with general condition data.

Condition inquiries are reported to schufa with the characteristic "KK" (condition inquiry) reported. But they have no influence on the credit rating. Other banks cannot see it either. After a short time, the characteristic is automatically deleted. Requests for conditions, such as those that can be made via our comparison portal, are therefore in fact neutral in terms of creditworthiness and without any risk whatsoever.

The situation is somewhat different for "real" credit inquiry from. This takes place when a signed credit application is submitted to a bank together with the necessary documents – i.e. the credit is sought in a concrete and binding manner. Here the characteristic "AK" (credit inquiry) registered and remains stored at schufa for one year. At this time, it can also be seen by other banks in schufa queries.

Avoid several credit inquiries in succession

Many credit inquiries within a short period of time indicate that the applicant is in urgent need of a loan and is having problems obtaining it. Many almost simultaneous AK notifications therefore also worsen the schufa scoring. For this reason, a "real" credit inquiry is not schufa-neutral.

Credit without schufa – what does that mean??

"credit without schufa" either means that, when granting credit no schufa query will take place or that the credit will be granted even if (individual) negative schufa characteristics present. However, as a rule, these must not be too serious. In the case of an ongoing personal insolvency or an affidavit in the schufa file, even the most risk-tolerant lender will refuse the loan.

Instead of "credit without schufa", the terms "credit without schufa", "credit despite schufa" or "credit neutral" are often used. the same facts are always meant.

Who needs a credit without schufa?

Interest in a credit without schufa have naturally above all persons, who already dispose of negative schufa entries. Most of the time credit prospective customers, their creditworthiness deficiencies shows. Sometimes such credit is requested because further borrowing is intended and the schufa file is to remain "unencumbered" despite additional credit, in order not to worsen credit opportunities. Perhaps the personal experience of a credit rejection "because of the schufa" motivates to look for a credit without schufa.

If you have any doubts about your own schufa quality, however, it is advisable to first check a self-disclosure to obtain information from schufa in order to find out which data are actually stored. once a year, there is even a right to free information. In view of the enormous amount of data, it is not uncommon for schufa data to be incomplete, outdated or incorrect – for example, due to name confusion.

With a schufa error there is of course a right to prompt payment correction. In some cases, a schufa problem can be easily solved in this way. A credit that is neutral in terms of credit rating is then superfluous.

How do you get a loan without schufa??

loans without schufa are usually not offered by german banks, they are only available through credit intermediation. Serious credit offers are often loans from Swiss banks that specialize in this type of business and use credit intermediaries as a sales channel. that’s why people also talk about "swiss credit.

swiss banks as foreign institutions do not belong to the german schufa system. For this reason, no schufa query takes place for credit inquiries and the credit is not reflected in the schufa file. It is insofar actually schufafrei or schufaneutral.

However, schufa-free in this case does not mean that no credit check takes place. It is – in the absence of other data – often even particularly carefully. Even if you want to have a swiss credit or another credit without schufa, you must – as with other credits – be able to prove that you are able to repay the credit.

For the increased credit risk are interest surcharges to pay. A credit without schufa is usually more expensive than one with schufa. freedom from schufa has its price. Nevertheless, it is worthwhile to compare such offers as well.

What to look out for in a credit that is free of credit history problems?

Particularly with the credit without schufa one should look particularly carefully. Unfortunately, there are also some companies in this special credit business dubious providers, who want to earn money with the financial distress of others. The granting of a loan is often not intended at all. Caution is particularly advisable:

Prospective borrowers have to pay in advance: some offers require borrowers first in advance payment go, if they want to receive the credit. upfront fees for credit checking and approval or costs to be borne for sending documents are unusual, in some cases inadmissible, and almost always indicate a dubious provider;
credit is only available in exchange for additional products: sometimes credit is only possible if additional financial products be concluded. these then have little to do with the actual purpose of the financing. It’s mostly about insurance or gray capital market products – in many cases overpriced or associated with special risks. The credit is then the lure to get financial creations to the man (or woman) that no one else wants;
Expensive home visits and consultation: the consultation per home visit or via an advice hotline is a condition for the granting of credit. For the "consulting service" a compensation demands without which the credit is supposedly inaccessible. Here only with the consulting model is to be earned.

Beware of black sheep

Often one tends in the emergency to accept an offer, whose conditions and contract conditions are actually hardly bearable. Especially dubious providers like to take advantage of this "hardship". Therefore, a contract should never be signed out of necessity without first knowing the terms of the contract.

Are there alternatives to the credit without schufa??

1. pawn credit

The pawn credit is a "classic" form of credit that has somewhat gone out of fashion. It works quite simply: the pawnbroker grants a loan and receives a corresponding collateral "valuable" pawn. If the loan is repaid as agreed, the pledge is returned. Otherwise, the pawnbroker is allowed to use it and thus "hold himself harmless".

Since the lender already holds his collateral in his hands, spare the otherwise usual credit check. No schufa information is required either. The pawn credit is a "real" credit without schufa. However, the term is usually only a few months, it does not offer more than a bridge.

2. Short-term or small loans

Even more short-term are short-term or small loans. These are credits for a few hundred euros with a term of a few weeks, maximum three months. They are available from specialized online providers. The schufa is queried here, but the criteria are less strict than for "normal" loans. Such a loan can also only temporarily plug financial gaps until the next salary is received.

What to do when credit grows over your head?

Often, a credit without schufa is especially in demand when the debts are already getting out of hand threaten. Borrowing is made easy today and when more and more loans pile up, even manageable amounts can become a problem with each individual contract.

At some point, the "cumulative" installment burden is no longer bearable. And many a borrower has already lost track of his obligations. A credit-free loan is then supposed to bring the solution to an acute debt problem.

As a rule, however, it does not solve the problem, but only exacerbates it. Even if the loan comes about, it ultimately means only a further installment obligation. The next financial bottleneck is then pre-programmed.

It is better to bring order into one’s debts and re-establish sound finances. This can often be achieved by rescheduling existing loans and combining them into a new loan with rates that are adjusted to the borrower’s financial capacity.

If you cannot manage this on your own, you should not be afraid to seek professional help from a debt counseling service. If you can get a grip on your financial situation in this way, it is always better than the last resort of private insolvency.

The beautiful glowing golf balls are visible even in poor lighting conditions. There are different types of balls that shine, such as z.B. LED light balls, balls that charge with uv light and balls with glow sticks.

Sometimes you’re so busy doing your best that you forget golf is just a game at the end of the day. And games are supposed to be fun. It’s good to take a step back now and then and forget all the mechanics and decorum that take up so much of your golfing life.

But how to do it? night gulf is an excellent option. It’s fun and relaxing, but you can also work on your game.

Surely you need some additional equipment like UV light ball markers, UV flashlight, glow in the dark golf balls, LED flag markers etc. if this sounds like fun to you, check out our list of the best glowing golf balls below.

These balls have a recharge function that lasts up to 15 minutes. These balls look like normal golf balls and have the ability to glow in the dark. make sure you read this guide and choose the best option for you.

The best luminous golf balls

Glowing golf balls golf floating glowing ball golf training balls golf practice balls night golf balls no LED inside for night training with long range and distance shots 3 pieces

material: luminous golf balls the inside is made of high quality elastic rubber and fluorescent powder and the outside is made of dupont sarin.
Golf glow-in-the-dark floating ball: this ball absorbs light automatically during the day, glows at night and absorbs light quickly, which is a good helper for playing at night
Simple and practical: during the day the surface of the ball is bright green. In the evening, the ball can make light glow, making it easier to see and pick up the ball.

Golf balls, glow in the dark, glow in the dark, long distance, led golf balls, customizable, 6 colors

Glow in the dark golf balls, glow in the dark, long distance, led golf balls, customizable, 6 colors

Vtretu glow golf balls: 6 glow in the dark golf balls that are easy to activate. Just give it a whack with your club or bounce it on a hard surface. Available in 6 bright, vibrant colors (red, green, blue, yellow, pink and white). Keep them in the carrying bag that comes with them.
Usage time: lights up for 10 minutes per activation. Longest glow time on the market. Total battery life is 40 hours. It means you can hit the ball over 800 times. You have enough time to play and find your ball without worrying about losing it in the dark. Enhance your night golf experience
High quality: our glow in the dark golf balls are waterproof and durable. Features a 3-layer USGA compliant design. You do not have to give up distance or feel. Designed for your golf satisfaction.

VORCOOL 3pcs light up night golf balls LED light up golf balls reusable night golf ball

VORCOOL 3Pcs Glowing Night Golf Balls LED Glow Golf Balls Reusable Night Golf Ball

Ultra bright LED golf ball that glows at night
The size, weight and power are the same as normal golf balls.
Golf ball is made of rubber and surlyn, can be reused for many times

to the offer 14,99 € 16,99 €

What to consider when buying glow in the dark golf balls

Types of light up golf balls

There are two different types of glow-in-the-dark golf balls. The first ones are powered by UV light. They can be charged by exposing them to UV flashlight or strobe light. The best glow-in-the-dark golf balls are usually charged by UV flashlight because they are brighter and glow more and last their ability longer.

The other type is powered by a battery inside the golf ball itself. These balls are only good as long as the battery lasts.

Light time

Most of these glow in the dark golf balls will last long enough to play a round of golf. But be warned: the cheaper versions don’t last as long and may start glowing before the game is over.

Color

Like many of the golf balls on the market today, glow in the dark golf balls come in a variety of colors. UV light powered balls glow white while charging and green when ready to play. Battery operated LED light balls come in many other colors, including red, blue, green, white, pink and orange.

Regardless of which LED light color you choose, it’s a good idea for everyone in the group to have something different. So there can be no confusion during the round about which ball belongs to whom.

Conclusion on glow-in-the-dark golf balls

There is probably no better way to take a break from the grind to get better than playing golf at night. No, you probably won’t set a course record, but spending a warm summer evening on the golf course with friends and family is a lot of fun.

You have a variety of options to choose a ball for the dark night. From balls with glow sticks, uv light and flashlight charged balls to led light up golf balls. Some of them have a compression core with a soft cover and the same weight and size as normal golf balls. Some have a life of 15 minutes and need to be recharged, others have the ability to light up for the entire game of golf. Some of them will be high performance golf balls.

The good news is that all you need are glow in the dark golf balls when it comes to equipment. The above list should help you know what to look for and give you some options so that you can enjoy your time under the stars in the square without breaking the bank.