Hello together, I was here so far silent reader and wanted to ask what you mean about my project. I play with the idea of buying a new (used) car at the beginning of next year. I have been watching the market for a long time and now I have found an offer that is pretty much in line with my ideas. Based on this I have calculated how I could design a financing next year: Purchase price: 28.500 € Sale/indemnity old vehicle eug: -6,000 € down payment from saved: -6,500 € remains a difference of 16.000 €. My idea is to finance this over 4 years, at a rate of approx. 350 €. After two years I would redeem the loan, because then a savings contract of approx. 8.000 € becomes due. I earn per month 2.840 € net, whereby already a VL saving of 100 € is deducted (above saving contract). In the last 24 months I could save on average 640 € per month, so the amount would theoretically be for the Kredi my questions are now: Thank you in advance.