Moin, short to the initial situation: – married, 2 children, house for rent, both are permanently employed – salary is high enough (€5400 gross) with free reserve after deduction of all costs of currently around €1000 that I could use – current loans: house bank monthly approx. €390 (until the end of 2025), car of my wife monthly €170 (until the end of 2024) – still running car leasing (until May 2023): €160 – Schufa is with me at 97% no negative entries Have now an offer of Skoda for a Kodiaq RS, kos At present, however, the delivery time is about 12 months, so that my down payment could be at 14-16k at the beginning of July 2023. So net income of approx. €36-38k. If I now conclude the purchase/financing agreement, then when will the financing be “valid”? Is everything triggered about 12 months before the delivery date? So income, employment contract, Schufa etc.? Are the two loans and the leasing “too much” u m another financing that would only start in 12 months?