Hello dear community! I plan to buy a vehicle, because my beloved car has blessed the time through an accident. By saving and the residual value of the old car + compensation of the insurance (foreign accident) I come to a budget of about 16,000-18,000€. With my current salary I can easily put away 500-700€. However, pay also no KfZ tax and insurance at the moment, therefore more 500€ per month. My dream car (used, 4 years old) -> Biggest loss in value should have happened) currently costs about 24.000€. I can imagine two variants at the moment. Either I buy a relatively cheap value stable car (5.000-15.000), drive this 1-2 years, then sell this and buy my dream car with delay Or I start a 12-18 month financing for the remaining about 6.000€ which I lack. I am aware that by financing all this will be more expensive due to the interest rates. But this is the price of A certain impatience. For this you have the car almost directly. Actually I am absolutely not a friend of such financings. One buys only what one can actually afford. But this 6,000€ seems to me not all too high risk and not very nonsense. For possible repairs I have included a small cushion, I would not be at 0 after the purchase. Has anyone had experiences? Should I rather save? Thank you for your answers.