Hello, In the next few months the purchase of a car is due. So far I bought all cars used and if necessary classically financed. Now I play with the idea to buy a slightly more expensive car with little mileage. Of course, these are a little more expensive, which makes classical financing difficult. High rates + long runtime. I already know that it will tempt me to change in 3 years. So the car should/must not pass into my possession but I pay a In order to get an idea of where you end up there in terms of rates, I asked for a Mondeo with 30,000 kilometers for 1990€. What the dealer sent me there, I found anything else than attractive. At 2 years of duration and 15,000 KM a year, he calculated a residual value of 900€. Accordingly, I liked only the use. So a selection financing jumped into my eye, also called Vario, closing rates or balloon financing, with a certificated return right at the end of the term. I should pay the 11000€ loss in the 2 years, plus interest. This means that the rate is over 500€. For fun, I have configured a new car with Variofinancing on MeinAuto.de. Then I pay just 320€ per month. Then why should I take a used one? Who determines the residual value of the used one? The dealer himself? In other words, I could get better conditions from another dealer? Or does Ford Bank do that?