Hello together, after a long time back and forth I decided to finance an annual car through a car dealership, because the current interest rate is extremely attractive with 0.99%. The car is financed by Vario financing. I make a down payment of 6,375.00 € and have a monthly rate of 313.00 € (incl. ServiceComfort – maintenance and wear). The closing rate is 30.000.00 €. I drive 30,000 KM a year and therefore the car would be reduced with almost 100,000 – 105,000 KM. The vehicle is an Audi A5 2.0 TDI Quattro with a current sales value of 45,000 euros and a mileage of 5,800 KM. Now I have looked at the last annual reports and balance sheets of the car dealership. In 2017, the car dealership had a year’s deficit of more than 700,000 € to be estimated, and sales have also decreased. According to the company’s current management report, the forecast for this year looks better. Well, you never know. My problem is now that In case the car dealership registers insolvency, I would have to buy the car from the Audi Bank for 30,000 euros. In my modest assessment, I find the estimated residual value too high. I would definitely like to reject the car at the end of the 36 months and would not get 30,000 euros more for a 3 year old car with a mileage of 100,000 – 105,000 KM. Thus, the residual value makes me currently stutzig, since I do not like at the end of the term, in case of a possible insolvency of the Au tohaus, 5.000 Euro or similar much burn. Perhaps also my assessments are wrong and the residual value blows about like this. I would be pleased about opinions. Many greetings