Please check from the insurance record if there have been any major work done on the vehicle in the past about 4 years. you can gauge it from the amount insurance people spent on the car.
secondly ask if there have been any late payments of the installments because they charge you beyond your wildest imaginations for the late payments ..
Once you'll go to clear the car at the end after 489000 they might ask your few more grands for the late payment charges .. so get a statement from the bank clearly stating how much dues are due on this particular se saloon.
After you get your figures straightened .. feel free to opt for it if it still matches your deal..