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Vergleichsportal CHECK24.de: PKW in Ostdeutschland häufiger kreditfinanziert als in Westdeutschland

17. Juni 2014 chronist Auto 229

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Jedes fünfte Auto ist kreditfinanziert – Männer und Frauen in Deutschland finanzieren ihren PKW ähnlich häufig per Darlehen

Das unabhängige Vergleichsportal CHECK24.de hat alle in den Jahren 2012 und 2013 über CHECK24.de abgeschlossenen Kfz-Versicherungen für PKW analysiert und die Angaben zur Art der Fahrzeugfinanzierung (Eigenfinanzierung, Kredit oder Leasing) ausgewertet. Nach dieser Erhebung sind bundesweit rund 15 % der dort versicherten Autos mit einem Kredit finanziert (alte Bundesländer 20 % ; neue Bundesländer 14 %). Insgesamt ist der Anteil kreditfinanzierter Autos in Deutschland zwischen 2012 und 2013 um 1,63 Prozent gesunken. In den westlichen Bundesländern lag der Rückgang bei 1,57 Prozent, in den östlichen bei 1,44 Prozent.

Der Geschlechtervergleich zeigt: Bei Männern liegt der Anteil bei 14,79 Prozent, bei Frauen bei 15,90 Prozent. Mitarbeiter im öffentlichen Dienst finanzieren ihre PKW zu 19,15 Prozent und damit innerhalb der untersuchten Berufsgruppen am häufigsten mit einem Darlehen. Die Berufsgruppe der Auszubildenden, Studenten, Schüler, Zivildienstleistenden und Mitarbeiter im Bundesfreiwilligendienst finanziert ihre Autos am seltensten mit einem Kredit. Der Anteil liegt bei 6,49 Prozent (möglicher Grund: Geringes Einkommen).

Auch Personen ohne Anstellung und Hausfrauen bzw. -männer (7,83 Prozent) sowie Rentner und Pensionäre (9,48 Prozent) nutzen innerhalb der untersuchten Berufsgruppen bei der PKW-Finanzierung vergleichsweise selten ein Darlehen. Ein möglicher Grund für diese geringen Werte ist, dass Verbraucher dieser Berufsgruppen aufgrund des fehlenden regelmäßigen bzw. geringen Einkommens in den Augen der Bank eine geringe Kreditwürdigkeit haben. Vermutlich wird die Finanzierung des Autos in diesen Fällen auch über den Partner des Versicherungsnehmers abgewickelt. (Quelle: Auszug aus einer Pressemitteilung vom 17.06.2014 von CHECK24.de im Zuge einer ots-Veröffentlichung)

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