Hello, we are looking for a new car for the family. We still have a small car, but there are only small costs for insurance/tax, nothing else. For the new car we would be willing to spend up to 60,000€, it would probably be a 2 year old. Insurance due to the higher PS number would be at about 1200€ per year. Current income / expenditures: income: 8000€ net household income (+ bonus is not taken into account, however, since only 1x per year paid out about 10,000 €) Expenses: approx. 350€ We wanted to pay 20,000€. Problem is that the interest rates are now at approx. 6%, with many computers we would lose approx. 3000 – 4000€ to the bank, maybe we get a better interest if we speak directly with a bank.