Used car market explodes – finance new car

Good day, my Opel Astra G from 1998 slowly but surely gives up the spirit. I have been looking for a new car for a long time and wanted to hear your opinion. The used car prices are immensely high, actually I had an Audi A5 from approx. 2018 in mind or maybe also a 3 Series BMW same BJ. At least so the price and size class. Since I would not like to pay more than 300,00€ a month for the loan, because I also just drive a maximum of 4500km a year, am ic h me very unsure what to do now. As a beipsiel:https://suchen.mobile.de/…/details.html?… Let’s say I get the car with a deposit for 21,000€ and finance it for 5 years at 2,69% interest. (Is that realisich nowadays?) At a closing rate of 800€ I land at about 250€ a month, that would be fine for me. Would it even be worth considering buying an annual car, for example:https://suchen.mobile.de/…/details.html?… And the one below To finance the same conditions, let’s say 300€ a month but then just has a correspondingly large closing rate open? Would then have to be around 25,000€ the closing rate, but that will also be about worth the car or? Then I could see if I will continue to finance the closing rate or sell the car and land at +- 0. Your thoughts about this would interest me! Greeting Jebins