![\"Classic](\"https:\/\/loans.tiida-nissan.ru\/wp-content\/uploads\/sites\/664\/2022\/12\/oldtimer-und-oldtimer-6e2369c.jpeg\" "\\"\\"")
<\/div>\n<\/p>\nClassic cars are very popular nowadays. But not only the charm of classic cars manages to inspire young and old. In addition, classic cars are suitable for a value investment with a car. Due to the high cost of classic cars and also youngtimer prices, it is advisable in some cases to opt for classic car financing. In doing so, however, you need to think carefully about which type of vintage financing you prefer.<\/p>\n
FAQ on classic car financing<\/h2>\n
From when is a car a classic car?<\/p>\n
In Germany, cars are considered classic cars if they have a history license plate, or H license plate for short. This get cars that are more than 30 years old.<\/p>\n
What is my classic car worth?<\/p>\n
It is not so easy to determine the value of your own classic car. There are many criteria that influence the value of the car. In addition to classic car catalogs with prices and market valuations, there are lists and portals on the Internet that can be used to estimate value. Also the exchange with other oldtimer lovers can help one further. If the classic car is to be sold or a classic vehicle is to be purchased, a professional appraisal is a good decision.<\/p>\n
The diverse and large classic car market<\/h2>\nThis is important<\/h3>\n
In recent years, the market for classic cars is growing consistently. In Germany, cars that have a history license plate are generally referred to as classic cars. These H-plates get in principle only cars that are more than 30 years old. There are now more than 600 in Germany.000 classic car.<\/p>\n
This speaks for a high demand for a classic car, so that a value investment with the car offers itself. But not only the number of historic cars is growing continuously. Rather, it is the value of classic cars, so that the value investment with the car offers great opportunities for you. In Germany there are more and more classic car exhibitions. The demand and interest are growing continuously.<\/p>\n
If you buy a classic car, you can use it as a long-term investment with a car. Among other things, the German Oldtimer Index provides information about the chances of success. This has been rising steadily in recent years, so the chances are good that you invest your money wisely with a classic car financing.<\/p>\n
Oldtimer costs and Youngtimer prices – the differences between the cars<\/h2>\nClassic Car:<\/h3>\n
At least 30 years old (the date of the first registration is important here) No significant changes and predominantly original condition <\/p>\n
Youngtimer:<\/h3>\n
No uniform definition since deletion from the StVO today inconsistent definition; experts see 15-20 years as the minimum limit <\/p>\n
Oldtimer and Youngtimer differ not only regarding the associated costs. A classic car must necessarily be at least 30 years old. Important for this calculation is the day of the first registration – this is the key date, so that you own a classic car 30 years later.<\/p>\n
You must not have made significant changes to the car. Rather, the car must be predominantly in its original condition – otherwise you have no chance of getting the coveted H license plate. In addition, it is common practice that the equipment of a classic car is up to date.<\/p>\n
A modern radio, for example, is out of place in a 40-year-old classic car. The last word has then still the Kfz expert with the TuV. Only if this gives his yes, you get the H license plate. From now on you own a classic car, which is also an investment at the same time.<\/p>\n
In contrast, with a youngtimer not only the prices vary. Many people use the youngtimer term when referring to vehicles that are not yet classic cars. In addition, however, it is important that these vehicles are cherished and maintained by car enthusiasts. Nobody calls a brand-new car a youngtimer. As a certain minimum limit see many experts 15 or. 20 years.<\/p>\n
In the past, the term youngtimer was regulated in the StVO. After that 20-30 years old cars were youngtimers. However, this regulation was deleted without replacement, so that the definition is now inconsistent. Nevertheless, the Youngtimer prices are also rising, so that an investment is also possible with it.<\/p>\n
The possibilities of classic car financing<\/h2>\nThis is important<\/h3>\n
If you want to buy a classic car, you must first learn about the classic car cost. If you can not pay for the classic car immediately because of the high price, you have the option of classic car financing. In the long term, classic car financing pays off if you use the classic car as a financial investment with a car. Depending on the type of classic car and the amount of the price, different possibilities of classic car financing are suitable. So you have to depend on the classic car and your personal situation which credit you want to use.<\/p>\n
Financing options at a glance:<\/h3>\n
To decide on the right classic car financing, it is important that you know in advance the classic car costs or, if necessary. Calculate the Youngtimer prices correctly. Because otherwise the rude awakening threatens. You need the approximate classic car costs before the classic car financing to choose the right model. In the calculation, not only the purchase price plays a decisive role.<\/p>\n
In addition, you should include costs for a parking space and appraisals. Regular inspections and maintenance as well as memberships in classic car clubs are also quite expensive. Other relevant cost points are the expenses for spare parts and repair costs. If you include all these points in the classic car costs or youngtimer prices, you have created the basis. With the help of the total amount you can now weigh which loan offer of a bank is the best possible classic car financing for you.<\/p>\n
Installment loan<\/h2>\n
A popular and common financing model for classic cars is the installment loan. You conclude a conventional credit with the bank of your confidence, which you can use afterwards due to the missing earmarking after your discretion – in your case for the purchase of an oldtimer. The costs are calculable for you. When you have paid the last installment, you are the proud owner of a classic car.<\/p>\n
Car loan<\/h2>\n
Many banks also offer a special loan for cars in general – the car loan. The loan from the bank is earmarked. So you may use the credit only for the classic car financing – other expenses are not allowed. Even though you may have to surrender your vehicle title as collateral, the car loan is an interesting option.<\/p>\n
Because many banks offer improved conditions for such car loans. After all, in the event of default, the bank still has the option of liquidating your classic car. A value investment with a car is therefore an option for banks, which they are often happy to support.<\/p>\n
Classic car financing at the dealer<\/h2>\n
Many car enthusiasts also rely on dealer financing for classic car financing. Because car dealers often advertise extremely favorable conditions, with which most banks can not compete. However, caution is advised when buying a classic car from a dealer. Because many dealers add some money in advance on the classic car costs, so that you ultimately no longer benefit from the favorable conditions – on the contrary.<\/p>\n
Leasing and balloon financing<\/h2>\n
Leasing is also possible with classic car financing. Thereby you finance your new classic car extremely flexible. The ownership of your investment, the car, you acquire, however, only at the end of the leasing period. As long as the classic car remains the property of the lessor. At the end of the term often a high additional payment becomes necessary. However, it is difficult to calculate the residual value for a classic car. For this reason, an installment loan or a car loan are usually preferable.<\/p>\n
With balloon financing you pay monthly installments as with an installment loan. At the end of the loan term, you must then pay a balance to pay off the loan. This type of classic car financing is most suitable for you if you have more liquid assets at the end of the loan term than at the beginning.<\/p>\n
Three-way credit<\/h2>\n
The three-way loan offers three options for you at the end of the term. Either your car goes back to the dealer or you take over the car with a final payment. In addition, with follow-up financing, you can also finance the final payment in installments – according to your personal preferences. Thus, the three-way loan is particularly interesting for people who want a high degree of flexibility.<\/p>\n
More tips for classic car financing<\/h2>\n
No matter which loan type you prefer, you should also consider other tips to successfully get your classic car financing over the line. In the beginning you should make sure that you have calculated the financial needs exactly.<\/p>\n","protected":false},"excerpt":{"rendered":"
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