At the moment I am superior to selling my 330D XDrive. I like the car very much, only the car repair shops (at least 4 tried) excite me endlessly and the BMW enjoys 2-4 stays per year due to small things. Since the 3s is also too big, I also want a great smaller one. I would like an idea would be a 190-220ps Audi A3/Mercedes A class/BMW 1er, very well equipped around 50-55,000€ LP. I would have the 50k together in a year, so it could buy without a loan. This is the case for the last 4 years, before that it was less, because passively invested. Therefore, without consideration, it would be 30,000€ down payment + 20,000€ credit for 3-5 years (4% interest). Then I would still have invested 20-30k which 2-4k per year should generate return. Which would be gone if the savings were completely stuck in the car. Plan is also to drive the car 4-5 years, that is 80,000 – 100,000km. Vllt also longer fal Is the car still fun. Income is enough. Counted on 12 salaries there are 4.000€ net. The used car prices are also very high at the moment, but it is still at least 1-2 years so stay because the chip shortage can not be solved so easily. Therefore the 50,000km/2 years car are now not exactly great offers in my opinion.