7k nett or gross?

Actually I dont see how u can get any better car then the alrdy godly Vios J

Gross 7k.

Minus EPF/Tax, u end up with what? 5.5k?

U wanna pay 3k for car installment? Maintenance? etc?

9 yrs.............

If you cannot afford a car with 5 yr loan.... you CANNOT afford the car...

Infact, I prefer it to be 3 yr...

Huh... I thought it was very clear.

IF you NEED to loan 9 years, it shows you are actually financially NOT capable of buying/maintaining that car.

5 yrs MAX.

3 yrs should be better once you settled down and have a family and is financially stable/have other responsibility.

Your first point shown that they CANNOT actually afford the car, hence needing to "stretch" it out.

Just like I'm waiting to buy a new truck for my hobby use now, I plan to take a 3 yr loan, sure I can pay cash but I dont want to stir the LHDN and also I dont want to tied up too much of my cash pool. I dont need to "Stretch" it out to 9 yrs cause I can clearly afford the truck easily.

Those who needs to "show off" well.. its up to them, again, those clearly cannot afford those cars. For eg, I hang around with ppl who have 2~3 porsche, AMGs, etc... how am I suppose to "impress" anyone by selling my kidney to buy a porsche myself?

Just cause you can eat maggi and buy a car with 9 yrs loans... doesnt mean you can AFFORD the car...