8 Facts about the environmental badge

adminonApril 27, 2022February 4, 2022Leave a Comment

Green, yellow or red there are over 50 environmental zones in germany, you are only allowed to drive on these roads with the appropriate environmental sticker. in almost all cities only vehicles with a green fine dust sticker are permitted. The exceptions are augsburg and neu-ulm, which are also accessible with a yellow sticker. The environmental zones are intended to contribute to the reduce nitrogen oxide and fine dust pollution. We have summarized the following facts for you so that no questions remain unanswered about the fine dust sticker.

How to obtain the environmental badge

You can get the fine dust sticker at the TuV, at dekra, the vehicle registration offices, the citizens’ registration offices or purchase online. Specially machine-printed environmental badges guarantee long legibility and service life.

Note: currently also need electric cars a green environmental sticker (also those equipped with an e-plate)!

Determine the emission group of your car

All vehicles can be divided into so-called pollutant groups. The higher the group, the lower the vehicle’s emissions. information about the color of the environmental sticker can be obtained from the key number of your car. The vehicle registration document states the type of vehicle, the drive type and the emission key. You can find the key number in field 1 of the old vehicle registration certificate and in field 14 of the new registration certificate.1. In each case the last two digits give information about the number.

This applies to foreign vehicles

foreign vehicles also require an environmental sticker. The vehicle registration document states according to which emission standard the vehicle is registered in another european country. If no emission standard is entered, then the classification is based on the year of first registration.

For foreign electric cars the blue sticker so that you receive the same privileges as vehicle owners with the E-license plate. This is currently only issued by the registration offices.

How to affix an environmental sticker:

You want to put your new environmental badge on your vehicle? In the following video, we show you how you should proceed to ensure that your sticker has a long service life:

The remove environmental badge

You have changed your license plate or bought a used car? Then you also need a new environmental sticker for your vehicle. In the following video, you can see how to remove the old sticker within a very short time:

Fines for driving in an environmental zone without a sticker or with an illegal sticker

If they are registered without or with a yellow or. If you drive into a green zone with a red sticker and are checked, you will have to pay a fine of 80 euros. This applies not only to driving, but also for parked vehicles. If you are in the driver’s license probationary period, you can expect a higher penalty. If you commit one A violation or two B violations, you will face additional penalties.

What many vehicle owners do not know: with a change of license plate, it is obligatory to have a new sticker as well. If the combination on the license plate and on the sticker do not match, you will also be subject to a fine.

Exemption for vehicles without a green sticker

If your vehicle does not have a green environmental sticker, but you still need to drive in the environmental zone, you can apply for an exemption permit.
To do this, they must meet one or more of the points listed below.

General requirements:

Registration of the vehicle occurred before the 1. august 2014
Vehicle may technically not retrofitted (proof and issuance of a certificate by a recognized expert of a testing agency)
Economically not possible, to procure a replacement vehicle with a green sticker (private individuals: verification of economic reasonableness with the help of the seizure limits)

Specific reasons for granting an exemption are the following:

Overriding individual interests that cannot be postponed (e.g.B. Regular necessary doctor’s visits)
population is provided with essential goods or services (z.B. supplies for pharmacies or social and nursing care services)
Special vehicles such as heavy-duty trucks, cranes, vintage cars, towing vehicles of exhibitors or cars with regulated catalytic converter, which have the key numbers 04, 09 and 11

The costs for an exemption permit, depending on the type or. size of the vehicle and duration of the permit between 10 and 100 euro.

Notice: there are local requirements in addition to the federal regulations. These can vary depending on the city and municipality.

The VW emissions scandal and its impact on the environmental badge

At this time, it is still unclear whether the VW emissions scandal will have any impact on the environmental badge. As long as the German Federal Motor Transport Authority does not make any changes to the registration, everything applies as usual for the environmental sticker.

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Every application for a loan is only a request for the bank, not an obligation. Accordingly, it can also happen that your request for financing for a vehicle is rejected. Reason for this is usually a lack of creditworthiness on your part. Often, however, this refusal does not mean the end of your automotive dreams. Because you can also use other options for car financing – depending on why exactly your application was rejected.

Like any loan, the desire for a car loan can also be rejected by the bank.
The central reason is usually that the bank sees in the applicant too high a risk of non-payment.
However, there are many ways and means to still get a serious loan or otherwise get a vehicle.

This page at a glance

Why does the bank refuse financing?

There are problems with schufa

The schufa as the most important credit agency in germany can be the deciding factor in a bank’s decision for or against granting a loan. This is because the bank knows the financial situation of almost every German. Whenever you get a financing, conclude a cell phone contract, or otherwise have longer-term financial obligations, you can assume this: you must contractually agree that your data will be transmitted to schufa. Accordingly, they also get to know if there are financial problems. About:

Have you ever defaulted on the payment of your cell phone bill or a previous loan in the past??
Have you had difficulties in paying your rent??
Have you made several specific credit inquiries to banks in the past year, instead of the more schufa-neutral conditions inquiry?

All of this and more can mean that your schufa score, and thus an important part of your theoretical creditworthiness, is bad – that is, a score of at most 100 points. It provides a simple overview of how likely you are to repay the loan, calculated according to secret principles. The further your score moves down from 100, the more negative it is – and the riskier you appear as a borrower.

Your type of employment

Your schufa-score can be positive, and still your credit application can be rejected. Then your employment could be the problem. Especially often this is the case with the following things:

You are newly employed by an employer or even still in the probationary period.
you are self-employed or freelancer and also new in business.*
You are studying or are dependent on third parties in some other way to make a living.

In these cases, many banks will see you as too high a risk with too little collateral and reject your loan application.

*self-employment is not a reason for rejection per se, but most banks only grant loans at generally higher interest rates and only to self-employed persons/freelancers who have been successful for several years.

The ratio of your income to the amount of the loan is correct

Imagine you get 1.400 euro net salary. You want a car but a credit over 40.have 000 euros. This would mean that even in the completely unrealistic case that you would have to pay monthly 1.if you pay back 400 euro and we completely ignore the interest, it means a 28-month risk.

In other words: with every credit application, the ratio of your income to the credit amount is checked. The more you want to borrow, the higher your income must be – because the banks only want you to repay as much as you can realistically afford each month. it is not in their interest to get the money back without considering the feasibility; because that would also increase their risk.

By the way, this reason for rejection can also be based on the fact that you have other liabilities to service – such as several zero-percent financing or other loans. If such are present, your desired credit sum must be again smaller, in order not to be rejected.

Summary

When a loan is refused, in most cases there are problems with the creditworthiness.
Often it is a problem with the schufa-score or the employment relationship.
Often, however, the bank also considers the credit request to be too high in view of the applicant’s income. This is exacerbated by other ongoing obligations.

What to do if the car loan is rejected? Your options

clean up your schufa score

If the schufa is the reason for rejection, the bank will inform you about it. Then you should do some research: ask schufa for a postal check data copy according to article 15 DS-GVO to. Analyze this paper very carefully. Sometimes it can happen that there are still things in it (and drag down your score) that should have been deleted a long time ago – and in rare cases there may also be false entries.

You discover in your schufa documents such old burdens, which should not appear there in view of the deletion periods any more? There are records that demonstrably do not match your financial history? In this case, you should contact the credit agency immediately and demand that it be corrected. If your score was the reason for rejection, but only therefore negative, this is probably enough to get the loan.

ask other banks

There are over 1.700 different banks and savings banks. Just because one of them turned you down doesn’t automatically mean they all will – especially in cases where your credit rating is only "borderline" but not overwhelmingly negative.

As long as the schufa is not a reason for rejection, it may well be that your loan request, which bank A has rejected, goes through with bank B without any problems. However: this requires several credit requests. Since these affect the schufa, you should not inquire with too many institutes.

Bring a second borrower into play as guarantor

As the sole applicant, the bank will not lend you the desired amount? Then it may be that the financing works out if there is a second borrower – and thus the risk of non-payment is considerably reduced.

Whoever is considered as a second borrower is largely the same for the credit institution, as long as he or she has a good credit rating. For you, however, it should be absolutely trustworthy people from your immediate environment:

Your partner
A very good friend
Close relatives (such as your parents)
Possibly your employer

Keep in mind, however, that the person may have to vouch for you. You should be able to pay for the loan on your own.

Reduce the credit amount

Does it have to be a new car for 40.000 euros or is a smaller new car for half that price enough for you?? Or: does it have to be a new car at all?? After all, the loss of value in the first years is enormous – very young used cars with only a few kilometers you can get for a fraction of the new price with the same equipment.

If you consider this option and it is suitable for you, you can probably reduce the required financing considerably. In principle, this increases the probability that you will get the loan – and you will also be debt-free more quickly.

ÜConsider leasing instead of buying

You only need financing if you want to own the car in a legal sense. But especially if it is a new car, you should also ask yourself if owning the car is that important for you – after all, there are a lot of obligations involved (like getting a loan) and the car will cost you a lot in a few years, for example when it comes to the MOT/repairs.

it does not have to be a possession? Then you should talk to the car dealer about leasing. Every new car dealer has something in his repertoire, and there are also numerous independent leasing companies that operate independently of the brand.

That can bring some advantages into the field:

Leasing is a form of rent. So you do not need a loan.
Your creditworthiness will also be checked, but in many cases the requirements are less strict.
You will only keep the car for a few years. After that you can buy it, as long as the residual value or. The mileage corresponds to the agreed data, without further payments return.

Again, leasing is much easier to get, especially in borderline creditworthiness cases – and it’s cheaper, too, considering the monthly costs. You should also keep in mind that you only pay for the use, so no interest is added, which every loan entails.

Our car loan is not earmarked. You can borrow it freely for the purchase of a new car, used car or other motor vehicle. Car repairs or the purchase of car parts can also be easily financed with our auto loan.

Car loan: what people look for before buying a car

The fast loan for your car

vexcash offers a car loan on fair terms and with flexible conditions. If you need a loan for a used car, choose your desired amount in our loan calculator and then fill out the application form. With the videoident procedure is then the convenient verification from home.

If all the requirements are met, the loan will be approved and paid out within a very short time. the loan amount is paid out in full and can be used to finance the desired car, whether new or used. The refund is made within 30 days. So you can pay off the car loan quickly and even save money in the process.

Advantages of a car loan from private sources

The advantages at a glance:

Fast processing within a short time
Credit even with average credit rating
Flexible repayment in one to six installments
Low interest rates thanks to short terms

the fast payout offers yet another advantage: with a favorable car loan from vexcash, the customer has the option of paying cash for the desired new or used car at the dealership. This often allows high discounts on the purchase price, which are not applicable if the customer opts for a dealer loan. Due to the flexible repayment options, there is also the chance to repay the car loan from vexcash much faster.

1. Fast and uncomplicated processing

The advantages of a small loan via vexcash are very diverse. Applications can be submitted around the clock and from any location, without taking a long time or having to overcome bureaucratic hurdles. Quite the opposite. For a car loan from vexcash are only a few steps required. If the customer has a sufficient credit rating, he or she receives a very fast and unbureaucratic approval. Unnecessary waiting times and long official procedures, which are common with bank or dealer loans, are thereby eliminated.

2. Low interest rates due to short terms

The effective annual interest rate for a car loan is 13.9%. At first, this does not necessarily sound favorable for a car loan. But the savings are due to the short term: if you take out a car loan in the amount of 1000 euros and repay it within 30 days, you only have to repay 1011.59 euros – the interest amounts to a low 11.59 euros.

3. Improved credit rating due to fast repayment

Long repayment periods for car loans quickly cause borrowers to lose track of their creditworthiness and at the same time burden their schufa score. the faster you pay off a car loan, the better it will affect your credit rating. Due to the flexible repayment options, vexcash gives you the chance to pay off the car loan within 30 days in just one installment. If required, repayment in two, three or six monthly installments is also possible. Vexcash is completely geared to your personal wishes and possibilities.

4. Payout even with average credit rating

Most car loans require a good schufa score. However, due to the low loan amount and the short repayment period, it is possible for you to obtain a car loan from vexcash even with an average credit rating. If you can prove that you have a regular income and additional collateral, we will even approve a car loan despite a negative schufa entry.

Requirements for a car loan for used cars

Basically, a favorable car loan for used car financing from vexcash is possible from 18 years of age. In addition, a fixed income of at least 450 euros should be proven. A residence in Germany as well as an account with a German bank are likewise necessary for the permission of a car loan.

Unlike conventional car loans, with vexcash you do not necessarily have to have a high schufa score. Due to our framework conditions for loans and with appropriate collateral, a medium schufa rating is also sufficient for the approval of a car loan.

Additional requirements for a successful car loan are the necessary documents, which are submitted after the application is made. This includes current proof of income and other collateral, as well as your ID card or passport for verification purposes.

If you meet all the requirements, you have a good chance of getting a car loan for used cars.

The requirements for a car loan at a glance:

Minimum age 18 years
Permanent residence in germany
Account with a german bank
At least medium credit rating
Proof of income and identity card

The car loan at your free disposal for your car

Since all instant loans from vexcash are not earmarked for a specific purpose, you are completely free to use your car loan as you wish. So whether you need money for a new or used car, pay off an existing car loan or just make a down payment on a new car, it’s entirely up to you. Even car repairs or the purchase of spare parts is possible with our car loan without any problems.

Take out a loan for a car – it couldn’t be easier

If you have decided to apply for a car loan, the process at vexcash is quick and easy.

Is a car loan without schufa possible??

Similar to a bank or dealer loan, vexcash will also take a look at your credit report when you apply for a loan to buy a car. It is advantageous if there are no negative entries.

However, this is not a condition. In contrast to other banks, vexcash can also grant a car loan if there are minor negative entries or if you only have a mediocre credit rating.