Car despite negative Schufa entries completed?

au
8

And although I want to fulfill a dream for myself, unfortunately I acted like an idiot at 18 and built up debts that I paid off at 20. I'm currently 22 and want to buy a Mercedes C63 AMG, which is no longer a problem financially. I could buy the car in cash, which would not be worthwhile for me. So I would like to lease it or finance it. However, my previous history keeps me from many of my wishes, as is the case with a negative Schufa.
Now I need advice from someone who probably knows how to make my wish come true.

I earn between 3900 euro and 4400 euro a month regularly. Have enough on the side, and have fixed costs of 1000 euro a month included in everything down to the smallest thing (rent, Netflix, music app, cigarettes, etc.). And my job is future-proof and I'm permanently employed.

And please refrain from making stupid comments that are just useless.

me

Then buy it in cash, what's the problem when you supposedly have so much money over? 🙄

I bought all my cars in cash because I buy me not a fan of things on pump or even borrow

Je

Your negative entries with the Schufa will be deleted 3 years after completion.

https://www.hanseaticbank.de/klarmacher/finanzieren/wann-werden-schufa-eintraege-geloescht

these three years will only start to be counted at the end of the year in which you paid the debt. For example, if you pay an overdue amount in the spring of 2019, the waiting period for deletion does not begin until the turn of the year 2019/20. Three years later, on January 1, 2023, you will then be rid of the entry.

Si

If you can prove that your debts have been paid off, you can normally apply to Schufa for an early deletion of the entries.

Jo

He just babbles and of course doesn't have the cash

Because people with a lot of cash have no worries at all, except for health issues.

They can do anything

Also lease cars or buy real estate.

ha

There's no real advice on that. The dealership will decide whether or not they will offer you financing. Rather difficult with negative Schufa. The amount of your income doesn't really count and it's no longer a bombproof job. When the money is there, pay for the car in cash, otherwise you have to search as long as you can find a dealer who does not mind a negative credit bureau report.

Si

It is not the dealership that decides, but the lending bank

ro

Why is it not worth buying in cash?

Financing or leasing is not possible with a bad Schufa

Br

That's the way it is. But there are a few euro in costs as far as I know. But that shouldn't matter if he has the money to pay the AMG in cash