Greetings, I play with the idea to buy a used BMW (M2) soon. My planned procedure is: pay 25,000, 15.000 over 36 months absolve + 10,000 closing rate. I would have the means to pay the purchase sum of 50,000 directly, but then I would have to attack ETFs and depots, which I do not want to dissolve. In order to remain liquid I therefore want to finance half, or the final rate results from the sale of my current car (1 BMW), private I would 12-14k at the moment, so probably around 10k at the dealer. My idea: to have 25,000 invested, with an expected return of 10% p.a. (ETFs). Then yields a return of 8275€ after 3 years, which is definitely higher than the interest rates to be paid. But the big question now is how the interest rates at BMW are currently shaped? Generally, 6.5% are estimated, which I already feel is very high. However, I am working in the ÖD (unscheduled) and have a very good SCHUFA score, which i.d. R has better conditions, but the question is whether BMW is interested in this and could be “acted” here. As I know BMW car dealerships, I guess the chance is rather bad. Does anyone have current experiences about this? Actually, I wanted to ask this question on relevant financial forums, but there is the common opinion that cars are only going “from A to B”, and actually every Renault Clio should drive for the maximum saving rate. A financing, however, in which one should the but I don’t think it’s a bad idea.