Good evening together I would like to buy a new car in the next few weeks. After many previous vehicles that I have always paid exclusively for cash, I would like to finance a car for the first time. I have already contacted some dealers and received offers, but am I unreliable which financing rates fit to my personal situation? I know this is always very individual, however I would be happy if you would give me a few tips or opinions I’m 31 years old, I live with my partner in a rental relationship. My net income amounts to 3100€. My partner has an almost identical salary, so we get a monthly income of just over 600€. However, since the car would be in my possession, I don’t add my partner’s income. When financing the car, I would basically pay a down payment of 1200€ and the rest of the car would be In this case, however, I am very indiscriminate about how expensive the new car can be in relation to income. At the moment, with the idea of buying a vehicle in the range of 3000€ to 4000€. Then I would have a financing sum between 18- and 28000€. In the calculations, there is now the possibility to take a favorable rate, between 150€ and 250€ and to increase a higher closing rate or the rate to 300€ to 350€, with a lower closing rate. The 350€ w But I actually have my absolute limit of pain, I have the feeling that this represents a lot of money every month. But what I am surprised about is that I am being promoted from €350 to €500 everywhere, which I feel is a heavy burden, but I don’t know in what relationship this fits with my income? Please excuse my long text, I would be happy if you can give me some tips on what rate with my income can be realistic.