Just an advice. Make sure you have the additional cash on hand for wear and tear. BMW parts sure will definitely burn a hole in yr pocket compare to my FORTE.

My FORTE air con compressor just spoilt last week.
Outside workshop quote me RM1.4k for the compressor (not inclusive of labour & gas)
KIA service center replacement is RM4k
Luckily, my car comes with 5 yrs warranty. Currently pending for insurance claim for the replacement.

If you absolutely gotta have an F30 in the porch, I would recommend getting the pre-reg 320i with BSRI and 5-year warranty. Close to RM205K-210K I think such a deal could be found if you shop around.

I would stay away from the F30 316i which is akin to a dressed down version of a fine car. A hamburger without the meat patty, if you get my drift.

What is the problem of earning 10k and driving a Myvi? I know someone who is earning 35k a month and drive a Myvi. For another extreme case, Facebook CEO Mark Zuckerberg is worth about USD 20 billion. But, he is driving a Volkswagon GTI with a manual transmission and costs USD 30,415 (converted to MYR still cheaper than the BMW F30 316i).

http://www.businessinsider.my/mark-zuckerb...tchback-2014-1/

may i know what car r u driving and what is your salary?

And what is the problem with you if someone wants a better ride regardless of his/her salary?

I know many rich people in city states like Singapore and HK don't even drive at all, they just rely on public transports. So your point is?

So if you follow the scale of Mark Zuckerberg, looks like middle class in Malaysia shouldn't even own a bicycle then.

I have a F30 328 for long distance driving and a W204 C200 for city driving. I run own biz. But, I am not as rich as Mark Zuckerberg.

There is no problem for me if someone wants a better ride regardless of his/her salary.

The question are: affordability and priority.

Life is just more than a better car.

When one is not ready, better take the money to invest (e.g. house, stock), upgrade own skills (attend course, professional certifications) to gain higher income, better exposures (travel overseas), preparation for family life (not cheap to have kids nowadays).

Husband and wife with total income of 9k -> cannot afford BMW + wrong priority.

When I earned 9k a month, I was driving a proton wira. My excess money helps me to grow my wealth. Now, I can afford a BMW and a Merc without any worry.

It is not up to you and me to decide, it is TS'. Different people has different priorities.

So what are you trying to prove ? Earning 9k a month ? Driving proton wira ? And you are saying you have a Merc now and a BMW now, other than you trying to blow the trumpet, I cant find any advice from you to TS.

This post has been edited by Helsinki: Oct 16 2015, 03:52 PM

Well, it depends how you look at it.

To you, probably driving a BMW is the only important thing in life. Again, probably, life is short and better drive when you have money.

To me, with the modern health care, everyone can live longer. So, life is more than just a BMW. You can't understand because you don't understand the meaning of life.

The problem is - TS does not have enough money. He not only includes his wife's salary, he is getting a 9 years loan, which is not his money yet. If he has enough money, he does not need to count on his wife's salary.

What is the point to have a BMW - but don't have enough fund to bring the loved ones (parents, wife and kids) for annual overseas trip? What is the point to have a BMW and don't dare to have kids (or have kids but never keep excess cash for their future)?

Yes, I was driving a proton wire when i earned 9k. But, I could bring my wife and my parents for an Europe tour. Now, my mum is no longer around, whenever I see the picture my parents holding hands in front of Eiffel Tower, I know - luckily I know how to plan my priorities.

You can't find any advice from me - because you are in different frequency wave length.

Hi, modern health care does not equal to living longer. You dont have to judge me by saying i dont understand the meaning of life. Everyone has different opinion on the meaning of life. I am not here encouraging TS to overstretch himself in getting a BMW. I just find it so amusing that you boast about yourself so much.

Using his wife's salary is not that wrong afterall. Since he will be fetching his wife too.

Even by him wanting to get BMW, this does not also prove that he is not able to bring his loved one for holiday. Does not matter whether is oversea or even local because since you already mention loved ones.

I am glad you are able to bring your wife and parents to Europe. But I dont think this justify and able to help out on TS trying to get advice on whether to buy or not to buy.

Let not the wise boast of their wisdom or the strong boast of their strength or the rich boast of their riches.



This post has been edited by Helsinki: Oct 16 2015, 05:51 PM

Thanks alot for your guys advise. Actually i am looking for a fun car. etc: audi tt, mini s, rocco.. Its more like a weekend car. But doesnt wish to fork out too much for new car as all these car are lower RV. Am plan to get one of these. Reason to choose 316 is because the price is more or similiar to all these coupe. We still have another honda city which already paid off as our daily car.

Hi Jay,

I am a Banker, would strongly recommend you to opt for car in range of RM80,000 to RM110,000 , with 7 years installment.

On daily basis, I manage people's financial for loan applications...from Bank transactions, savings to personal assets etc...so believe me when i tell you that you (at this point) cannot afford a conti car yet.

People who driving conti cars are those who need to sustain their image, usually doing business or with flexible income (Sales)...

Life is short enough.. YOLO.

Maximum of loan period must not be more than 7 years .
If the amount of installment of 5 years period is comfortable for u then only
u can so call 'afford

A piece of advice from me. Your thread title reminds me of my young days.

I used to own a 5 series BMW at the age of 24 cause I wanted it. I sold that for a VW Scirocco 2.0 TSi because I wanted it too.

Right now? I am currently driving a sub RM80K KIA and in process to change to a pickup truck which is priced around RM100K. And why I do so? because I need it.

If you read my statement above again. I emphasis on both need and want. You love the BMW, yes, you wanted it but do you really need it? What are the benefits to get a BMW in compare to your current car?

Do consider on the maintenance, the running cost etc have to be part of your budget. Be it a daily drive, weekend car, a good budget planning must be in place.

You may have made up your mind but I am here to share my experience between the realization of need and want

You think I boast about myself? Well, to me, I merely tell the truth, share my experiences and the paths I went through.

Anyway, if you really understand the meaning of life, what does TS suffer (or miss) without a BMW?

One word.......Don't!

What is your priority? List down your priorities from most important to least important. Where does getting a BMW rank? If it ranks 1st or 2nd....god bless...

pls dont. u will suffer later.....

When buy shiok, after buy pray everyday so it doesn't have any problem. When got problem you and your wife's salary will gone for nothing. But it is your choice, you suffer your problem. of course, your wife will squeeze your ear down when that happen.