Just look at autosuch.de the VW Sharan. I came across a few offers: A) Purchase price 26,954 42 months, 12,500 km, 100 Euro Deposit effZins 0.16% returns monthly rate: 294 Euro B) Purchase price 27,880 42 months, 12,500km, 100 Euro Deposit eff Interest 0.18% returns monthly rate: 266 Euro Difference: 42x(294-266)=1,176 (100 Euro Deposit I only took because the rate calculator 0 Euro does not always accept immediately) Now I ask myself why A) with a lower Price price has a higher rate? Does A) assume a lower residual value? Just see that A is a diesel and B is a gasoline. I would like to negotiate with A and come to the level of B. A and B are two different VW car dealerships. Can each dealership store its own values with the rate calculator? Otherwise, the same purchase price and the same information would always have to come out of the same rate, right?