Hello, I have been playing for a long time with the idea to buy a new car, especially the Golf 7 GTI. The vehicles interesting for me have running performance around the 60-70t. KM and are built in 2017 and newer. I would not pay the purchase price of approx. 20,000 € at once, but part financing. My planning would be as follows: Purchase price: 20,000 € down payment/sale: 10,000 € remains a difference of 10,000 €, which I would finance. Since I don’t like to be tied for a long time, credit calculators on the Internet spit out a monthly rate of approx. 290€ at 36 months of maturity. My net income is around 1900€. From January 2023 it is 210€ net. With my current income and my way of life I currently have 500€ per month, which I save/invest. I don’t have any other loans at work. I would also like to say that I still have a financial cushion after the deposit, which means that I don’t have any other loans. So I wouldn’t be down to zero. 😉 Now I’m looking forward to your experiences and assessments. Do you think all this is realistic or do I take care of myself? Since it would be my very first financing, I’m rather overcautious here. Finally, I want to add that I can easily carry out the typical maintenance work on the car (brake change, spark plugs, filters, etc.) myself. Thank you in advance! Greetings