True but those banks are full of good honest folk, so I'm sure they have your best interest in mind ;P

well when you need a roof over your head, you take it lol.

Yeah I just wish there was greater push from the gov to make housing cheaper.

As someone that made a killing flipping cars, I would advise you to avoid ANY deal that just doesn't feel right.Also, I wouldn't recommend any german or luxury brand for your first car since they are expensive to repair and maintain if you don't do it yourself; unless you feel financially stable enough to afford them.
Personally, I would recommend any of these brands Toyota/Subaru/Nissan I always felt that these were the most reliable, easy to upkeep and give great gas mileage, which is all ideal for the casual driver that just wants to get from point A to point B.

Don't do it, I've been a victim of dodgy call dealers before. There are so many places to buy a car from out there without having to deal with dodgy dealers.

It most likely depends on what exactly is wrong ,My 5 year old  Puegeot 308 wagon had a faulty fuel sensor and  I went to get it fixed .

my auto shop said to ring up the local dealer even though   I paid for it it second hand it was originally leased to the deputy head of state treasury dept  and was 2 years old with 17000 km on the clock ,  my mechanic said certain non wearing parts are covered by lifetime warranty and has far as he was concerned the sensor should be covered for life and rather than paying him  for the part and labor I should contact the local Peugot dealer. after contacting them  they scratched their heads made a few calls and to my surprise replaced it.

Back to the  topic you are right to stop the deal it is a old trick to get you to take on a bigger purchase than intended , they make a bigger commission and if your laws are similar to mine you have a cooling off period.

Only 300 a month ? Thats not only. How many months do you have to pay ? Do you get warranty on the car ? It could be a good deal depending on the condition of the car. And the finance plan.

Its not that surprising if its a 10000 Dollar car and you put down 10% to finance the rest.

But its hard to judge the situation, BMW car of some sorts ?

Which one is it exactly. For example a 1 series is much much cheaper to maintain than a 5 series. A 1 series BMW is a good cheap car. A 5 Series BMW is more expensive to maintain.

Also that anything German is always expensive to maintain is bullshit. Germans also offer lower tier models. Often reliable. But if you have a mid or high tier car it will cost you ofcourse.

You seem extremly clueless about cars if you dont even know which model it is. Dont you have a friend or relative that knows something about cars ?

Except for the top end models, most Audis share the platform, engine, transmission and other components with their Volkswagen and Skoda counterparts which tend to be cheaper, so the latter are usually the better choice.

EDIT - They haven't been mentioned in the thread yet, but if I remember correctly Hyundais are pretty reliable nowadays, and reasonably priced.

As a lawyer I feel like smacking every fool who signs stuff he doesn't read. Don't you people know the value of your signature!?

Don't even think about getting this car. The seller treats you like a sucker and almost made you buy a car three times more expensive than what your budget is, without you even seeing it! That's crazy. I'm sure the car is a POS that he can't get rid of for weeks if not months and he's trying to find a sucker he can fool into taking it off his hands. I bet behind the scenes he's laughing his butt off talking about you with his partner. Kill the deal asap.

Also, lying to the financial institution about the ammount of money you put down is a crime and if shit hits the fan, the bank can tear you a new one. You could possibly face charges for fraud and maybe go to jail (not likely, but it's probably possible). Not recommended.

My best advice is to go investigate the car you want to buy with a car engineer. I have a friend who has a car workshop and always go with him when shopping for cars - you can't imagine how many timebombs that allowed me to dodge! In my opinion a car is a purchase expensive enough to even warrant paying a third party guy to investigate the car for you. An independent expert's opinion is priceless if you have no idea what to search for.

Ugh, take it from a BMW owner; don't get one, especially a few years old. Parts are expensive, service costs a fortune and they have all sorts of ridiculous technical solutions that cause problems down the line, behind the premium feeling and looks.
I'm selling mine as soon as possible, I've never had a more ridiculous round of expenses in my entire life and even tiny faults cost so much to fix.