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it simply needs to be finalized before you take delivery. typically a week before to ensure there are no complications (checks clear or financing goes through).
40 days prior i have never heard of and is definitely not normal. they have your deposit in case things fall apart. my two Ed's were finalized during the week before delivery. how you are paying doesn't affect the process or timing (cash, finance, lease).
doesn't matter about the u.s. delivery date. you're taking delivery in Europe so needs to be done before you take possession of it in Germany.
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