Property in good condition financable?

It is a BMW G20 M340i.

Oh, I thought more of an M5 Competition or something. Then I take back what I said about the maintenance costs. It doesn't cost more than any A5 or the like. For my E63s, I paid 2,200 for the small service with oil change and front brake pads. For that, you can still put new tires on the M340 and change a mirror.

Oh, I thought more of an M5 competition or something like that. Then I take back what I said about the maintenance costs. It doesn’t cost more than any A5 or the like.
For my E63s, I paid 2,200 for the small inspection with oil change and front brake pads. For that you can still put the M340 on new tires and replace a mirror.

Yes, if I had the choice and the money, it would have been a G80, but I didn’t want to have an even higher rate.

Definitely not money wasted. I would also enjoy that.

Tip: Find an employer with a company car. You can get such a car (or a fun car) under significantly better conditions there.

And if yes, then buying/building a house is exactly wasted money – you don’t really need a preferably detached single-family house with great equipment and a large plot of land. A rented and just suitable apartment is – as long as you don’t fritter away the saved money – the financially much more attractive option (statistically proven, provided you save the surpluses in parallel until retirement).

Yes, the thought has been occupying me for some time. A change would not only open up the possibility of a company car but also increase my salary by at least 20%. Currently, I work in a large corporation and appreciate that very much, even though advancement there is more difficult than in a medium-sized company. However, I would say the workplace is more secure. We also have a very good company pension plan, in which, in the event of death or permanent disability, a year’s salary plus an additional sum is paid out. That is also a reason why I currently like to stay there.

Did you buy the car or lease it? How old is the vehicle? And how long is the contract still valid?

Did you buy the car or lease it? How old is the vehicle? And how long is the contract still running?

I financed the vehicle back then through BMW Bank and I am the first owner, I also configured it. The vehicle is fully equipped in Davit Grey metallic paint, I believe the list price was around 88k at the time (full equipment). It is from 12/2020 and currently has 35,000 kilometers.

even if the promotion there is more difficult than in a medium-sized company.

Don’t be mistaken. Small companies and flat hierarchies mean that there are only a few positions for advancement within the company. Also, promotion usually means that you only delegate and supervise but rarely get to develop something yourself anymore. You have to want that, too.
I wouldn’t consider retirement provision as the decisive point in your stage of life. More important is first to use your human capital and find a job that pays you properly and opens up long-term opportunities. You will most likely change companies several times in your life anyway. By the way, I don’t buy the flat 20% more plus company car just by simply changing jobs. If it were that easy, you would have most likely changed long ago.

That doesn’t cost more than any A5 or the like.

ADAC says that over 5 years and 15,000km/year, that’s 68c/km. Since the OP has full equipment and drives less, certainly more. With about 10,000km per year, I also consider a company car nonsense, since it is underused. Rather a simple, sensible car. You can also have driving fun in the mountains with that. Driving straight on the highway is boring anyway until it becomes insanely dangerous...

The ADAC says that calculated over 5 years and 15,000 km/year, that's 68c/km. Since the OP has full equipment and drives less, certainly more. At just over 10,000 km per year, I also consider the company car nonsense, as it is too little used.

It depends on the company car policy. In many companies, the company car is all-inclusive. So you only have to tax the monetary benefit and can drive as you please (especially with pure home office, it remains at 1% - imagine a nice fully equipped ID7 in front of your door as soon as the Growth Opportunities Act is passed and be happy to be mobile for max. €90 per month. Or a GLC 300de for €250 per month). Of course, there are also plenty of companies that still require a contribution from the employee. Then you have to do the math.