# The 2026 Financing Guide for Car Acquisitions

## 1. The 10% Doctrine
Max legal interest rate capped at 10% (KKG). Elite buyers securing 4.5–7.9%.

## 2. Loan vs. Lease
- Loan: ownership from day 1, tax-deductible interest
- Lease: lower payments, Vollkasko required, mileage caps

## 3. All-In Subscription
Monthly fee covers car, insurance, tires, tax.

## 4. Legal Requirements
- Must clear debt theoretically within 36 months
- 14-day cooling period after signing