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Autohero calculation: 12 of 20 groups cannot afford cash purchaseThe example calculation uses a vehicle price of €17,324 and a 58-month saving period.
- Without interest or returns, this would require nearly €299 per month, based on median gross salaries and a 10.3 percent savings rate.
- According to the calculation, hairdressers accumulate only about 54 percent of the purchase price after 58 months, or 58 percent in tax class III, and still fall short by more than €7,000.
- For tax class I, the analysis puts the gross monthly salary threshold for a cash purchase within the typical usage period at around €4,800, while savings remain insufficient for 10 of 20 occupational groups in tax class III.
- According to a market study by the German Banking Association, 27 percent of all used cars in Germany were financed through third-party funds in 2023.
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