A second hand BMW is a money trap @Jay. You may get a good car, you may not. If you get a problematic BMW it can flatten your finances. Selling it off isn't going to help because you will make a big loss. Even if nothing goes wrong regular servicing is still very expensive.

If you want to upgrade I suggest a new D segment Jap car for your budget which will be cheaper to maintain and warranty will free you from maintenance fear. But based on your income I really recommend a C-segment car which won't stretch you financially.

If it's that case, i might go for C segment car. Mazda 3 looks good..

What are your priorities? Do you need a bigger car? Is your current Vios giving you any problems? If getting that F30 is merely a "I can finally own a BMW" move then I would say that can always wait. Build up your financials ie. income & you can always own a better & newer one in the future. Set a target say 3-5 years down the road to comfortably own one.

I am all for the BMW but a used one is a risky bet, you either get a genuinely good one or or one which was sold in the secondary market due to bad history ie. accident or wasn't properly maintained (I was lucky to bought a used E90 2yrs ago - was a 3yrs old car that time, without any issues - merely normal maintenance). Well you can really on the BSRI but what happens next? Annually, general maintenance of a BMW including roadtax & insurance will costs you a minimum of 6k, about 500 per month on top of your installment, this excludes any unplanned repairs.

And are you certain that you will be keeping the car for a minimum of 9 years because for that kind of loan tenor, if you are disposing the car midway, a top up is definitely involved.

Think thoroughly & decide. It's never too late to own a BMW.

That's a better choice as the new M3 is good looking. Not forgetting Bermaz provides 3 years of free maintenance. But think again, what are your priorities?

Don't forget, stick with not more than 20% of your net salary.

Now I'm kinda confused with ur requirements. Mind you 316i is not a weekend car. That car alone is something you can't afford if you're looking for a daily ride.

If you're looking for a weekend car, with your current salary I rather suggest finding something that cost below RM50K, something like a used satria neo or even better, classics. Depending on which weekend car, be it coupes, hot hatches or classics, such cars requires more money to fix and maintain compared to your, say your normal Honda City.

Now your latest post suggesting you're looking for a Mazda 3. For your daily ride or weekend? Oh gosh, get your priorities right. I rest my case.

Surely u can afford..but it's not a good choice to make now..better go for Japan car..less headache..find something that is practical for daily and weekend..when u r young..save as much money as you can..even u don't have plan to have child yet..

OMG, same here, looking for this car, All taiko here, comment pls. With income RM5-6k a month

This post has been edited by loh313: Nov 11 2015, 09:31 AM

If needs combined wife income to justify own car purchase.... one definitely is in HUGE TROUBLE when either one got into job problem (retrenchment ,VSS,forced to resign ).

The house commitment is definitely beyond that monthly loan and TS seems to ignore that. its the usual water/electric bill/maintenance fee/quit rent and also cost of repairing plumbing /electrical /appliances problem .

Don't. The problematic and underpowered N46B20 engine will kill your wallet before you know it. Better get a 320d or 325i.

I more than double your salary and even that I'm not even thinking of touching a BMW.

This post has been edited by Drian: Nov 11 2015, 10:52 AM

Second hand no warranty -> NO.
You need to consider maintenance fees, not only monthly installment.

5 years is exactly when the problems start

not worth it,

Everyone has different priorities in life.

If you're passionate about cars, you will be able to get it someday . Have you heard of, when there is will, there is a way!

Personally, is a big NO spending on second hand continentals unless you really know a lot about cars / workshops / parts. Just like someone had mentioned "research".

And yea Mazda 3 is a indeed a good car.

This post has been edited by Vox: Nov 11 2015, 01:33 PM

what do you all think about E90 2005/2006 for around 50k? and with 20k, enough to refurbished the car to like new condition mechanically? intend for long journey, 5-8hrs trip. thanks.

Thx guys,

PPl maybe 10 out of 8 said to get BM better go for mercedes, what you guys think?

Excuse me..Arent you doing the same as well?


The only want to STOP telling how people to live their lives is NOT GIVING SUGGESTION AT ALL ..

This post has been edited by alanyuppie: Nov 11 2015, 11:51 AM

Can you afford? I'm sure you can.
Is it a wise choice? I'd leave that up to you. IMO, 316 is not that good. You should set the 320 as the baseline.

How do you even get a 9 year loan these days? Thought max is 7?

Sorry a little bit mad after looking at some of the comments.

can la, beli jer, wa also earn around 5.5k drive city wif 1k installment, got extra cash go travel n saving.

Personally, whatever the income is, as long you can consistently put aside 30% monthly, untouched under no circumstances (except for retirement/child's education/emergency medical needs), then just buy whatever fancies you.

Maintenance and repairs should be taken out from other savings (not your 30% funds). Heck, even holidays also should not touch that 30% fund. But that's just me.

Just know that different folks have different priorities in life. We ain't here to judge if it's right or wrong for you. As long as you're comfortable with your buffer. Out of RM9k, whether you're comfortable with a buffer of RM3k excess a month, or RM500 a month, that's really for you to decide.