4 years ago I got myself a Mercedes with Plus3 financing, i.e. a residual value financing with repurchase guarantee (over the residual value) – thus almost like leasing. If you convert to LF I come to 0.77 vehicle BLP 69000, 48 months, special payment 8000, monthly rate 368. Since it is a financing, the bank gives an interest rate of 0.96% effective annual interest. Now the contract runs out slowly and I wanted to buy a new vehicle at the same dealer hoping to buy the same So I asked for another vehicle, BLP, same deposit, same term, etc. Only now the monthly rate would be clearly over 500 euros. The dealer doesn’t know why, he can’t do anything. That’s all the bank has to say. It’s all because the bank now wants 2.99% or, depending on the model, 3.99% interest rates. I have looked at it and actually this rate seems to be normal. I happen to have a special offer from the bank at that time. the Mercedes bank caught without noticing it? I don’t see now to pay for an equivalent vehicle at once 10000 € more. He then offered me a vehicle with a BLP of 59k – then almost come back to the same monthly rate. I’m talking less about the monthly rate than about the total price I pay over the duration of 4 years. With my current car it was quite exactly 25k, with the new offer it was depending on model 33-35k. And I can see that somehow I don’t think so.