Hello gentlemen, I recently financed a car 22 years ago and it was worth about 10k EUR, so I am a little inexperienced. I don’t have any loans or anything else. I will drive about 20K per year. I found a good 530e hybrid for 44K with the following values: BMW target financing 5.99 % Rate: 449,00 Euro/month Duration: 48 months Eff. Annual interest rate: 5,99 % nominal interest rate p.a.: 5,86 % tied Deposit: 12,500,00 Euro Final rate: 15,953,06 Euro Processing fee price: 0,00 Euro Net loan amount: 31,440,00 Euro Loan total amount: 37,056,06 Euro 24K on the clock and at the end of 2019 was the first registration. Is there a kind of consultant who also honestly advises? I could also pay the car completely, bar I would not want to lose so much but otherwise I would hardly have cash. Is it worth it, ideas, suggestions? Thank you in advance.