Hello! As soon as I find a talking offer, I would like to buy a Kia Picanto Gt Line and finance it. Now I am thinking about what I would have to take into account (in advance) and hope that people with experiences have some tips for me here. 🙂 For example, I am thinking about what would happen if the car would suffer a total damage during the financing period. A comprehensive insurance would only take over the time value, wouldn’t it? I would have to pay further until the original purchase price has been paid off – even without a driving car. I have heard that there are insurance companies that would take over this difference. Which ones are recommended? Is that worth it at all or is it useful? Or is there other insurance companies that are more meaningful and do something like that? Also possible unemployment or so are there certainly topics at the bank? I have read, however, that the one often gets something. But what makes sense? The car will probably cost around €15,000. What else do I have to pay attention to or in which “traps” should I not fall into in case of financing? And is it most useful to finance the car directly at the car dealership and their bank? Loans with banks/sparkasses seems to exist at the moment only at not so attractive conditions!? And I can save even during the financial accident and then by special tax When is this worth it? Does it cost you a fee? And lastly: I changed the job at my request at the beginning of the year. I have now increased my hours at the employer, and will therefore earn 2xxx net + surcharges from August. I am out of the probationary period, but have a fixed-term employment contract until the end of 2019 – this is the standard with the employer unfortunately, but the chances are very good that I will then take over and determinate who only how are my chances for financing? And how do I say, if I wanted to finance the car now, that I have more salary from August, if that should be relevant!? If I had terminated my permanent contract before that, maybe a car should have bought before that.