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Message: <blockquote data-quote="Russie" data-source="post: 260670" data-attributes="member: 4537">Bought myself a copy of the MT too. I think E36 owners would be glad to see Danny doing the review on the E36. He specifically recommended the 4-potters :top: maybe it is because 4-potters have relatively lower maintenance?As for the financing period, I was told to understand that for European cars, one can get a maximum loan period with the car not exceeding 17 yrs old? (i.e. if the car was manufactured in 1998, meaning you can get a max loan of 7 yrs, 10 yrs old car + 7 yrs financing = 17 yrs).True, commercial banks usually do not provide long financing period for cars which are 10 yrs and above. However, it depends on each bank's internal policy and usually older cars = higher interest rates (flat rate that is!).As a rule of thumb, for 1 to know how much the bank really earns, usually we multiply the flat interest rate with 1.7 to get the effective (true) rate that the bank earns (e.g. 3.5% p.a. flat is approximately 5.95% p.a. effective rate) (better still if one has the effective rate log book) <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile    :)" loading="lazy" data-shortname=":)" /></blockquote>