And if you really need some gaya in the city, get an Uber Lux.

i duno why 8k nett must get BMW/Merc.... my fren 12k only drive Myvi... but got 3 properties la.

my friends repair his 2nd bmw 316 till scare .. u got the budget for repair?

What kind of repair exactly? Don't just come here throw a comment about "my friend/uncle/aunty or friends' friends" repair his car until scare.

I used to drive my Honda FD2 for 8 years and once warranty over I also repair the car until I scare. So? No point also cause you don't know what I had to repair.

So ts how?

Sry for my comment , enjon the f30 this is good car

Given ur current income, it is way below the requirement to own this car.

Volvo v40 is having 10% for T4 after discount new car rm158k++, T5 rm17xk++. Better buy compare to this. Also nice looking and nice car. But lower commitment.

that's sound like a person without a family to raised.... if got children... you wont spent so much on a car... different stage in life, different priorities... that's all i can say.

parts and budget to repair is very high?
just curious, is it nowadays those fancy cars bmw/merc/audi will break down so easily till u need to change the parts very frequent?

no wonder our nation household debt is getting higher... at 88%

keep serving the loan n interest.

My 2 cents . I am living at Sgp and car is a big ticket
. It really depends on your affordability , my take is if you have passive income that can cover your installment , go for it. We live once and don't regret .

if u r really passionate about it, just get it and enjoy it. you can always sell it off later on. money lost can earn back, just work harder

Just close eyes and buy it if you passion about it. I hate this kind of advise, buy property, invest in it. By buying property does it mean need make big loan like 25 - 30 years, serve the loan and by time you can sell it, later on u can buy your dream car. If serve the property loan by 10-15 years only can manage to buy the car, maybe at that time you already 50years old, heart decease, parkinson, diabetes, cut kaki in half coz of gangren, at that time u only can be passenger than what for. Buy it and I mean if it is your PASSION, go for it. Me myself nett income less than RM5k, Household income RM9k, just bought RM150k car recently, buy another one small car for mom CASH for RM25k at the same time, fork out RM40k for all of it (RM25k for mom's car cash, RM15k for my car downpayment. But I am PASSION for cars and I live for now. For future things, let time flow by the time, we getting better and better to live our life. I am 31years old, married, one kid, incoming another one somewhere in March 2016, bought RM300k house, RM1800 permonth also in March 2016.

P/S : Actually I just gamble. Anything happen in the near future I die gao gao. Heck I still have the car. Even it depreciates, I still can earn something from it. Investment? I cannot see how to do investment, ppl say buy gold, last 7 years I bought gold bar at that time the price is RM210/gram, now after 7years, down until RM130/gram, lucky not buy many, but still it's in my hand, if got emergency still can trade it for some money.

The best advise so far

I help u summarize in 4letters (and 4 words)

YOLO - you only live once

The main point:

- gamble: use gamble as leverage, never try never know
- be positive n entrepreneurship: anything happen in near future, u still have the car to earn by using uber or grabcar to earn income

- dun invest if u dunno how to invest: the gold bar. Might as well do something u enjoy rather than investing to lose money

- let tomoro worry itself: why think of tomoro that is uncertain? Heck u dun even know what is gonna happen. If u dun do now,u might never will

- dun worry be happy. The money is to be spent to make u happy. Keeping it as digits in bank account doesnt represent happiness. It is just numbers.

Rm150k cars, i assume is accord or camry or equivalent

At least the wife is happy when go to hospital and new baby can feel the nice car

If YOLO is the best reason, why choose F30 316? This model is equipped with an engine jointly developed with PSA

http://www.motortrader.com.my/news/bmw-316i-sedan/
Under the bonnet of the familiar 3-Series shape is a BMW TwinPower Turbo 1.6-litre 4-cylinder petrol engine. This is the ‘Prince’ engine which the German carmaker jointly developed with PSA Peugeot in 2004 and is coded ‘N13’.

At least a M3? If YOLO is the reason to do a lot of thing, then maybe getting a baby is more fantastic than a depreciating low spec car? YOLO, don't get a kid now, wait until 50?

thats why beli, jangan tak beli, asal gaya lain semua tak payah risau.

If the banks can approve your loan for M3 why not? If you still can reproduce at 50 why not? But usually by 50 yo your didi probably gg liao, ur wife menopause de, so no inheritance for u de. YOLO is not the reason, PASSION is. Honestly I ride er6n, 650cc sportsbike for work. At the age of 31, I my self struggle to tame the beast(which is not that powerful) yet still somebody advise u should invest first, later on u can buy whatever superbike u dreamt of. The question is, when? When 50yo only u can buy s1000rr? At that time, u rev ur bike already give u heartattack, probably u not died in accident or anything by the bike, but by the heart attack during u enjoy ur bike revving.

i would like to say thank you on behalf of bank for your generous donation to us.

p/s: live within your means. want BMW? sure but how about older model? so wont choke off urself financially?

This post has been edited by JustForCheonging: Nov 21 2015, 08:03 AM

An m3? You are obviously raising the bar too high for ts jay881209 to reach to the point he would probably drop the idea altogether.

Not everyone can be like you, owning a Merc and a Bmw at the same time.

Come on, be accordance to Ts requirement. Rather than trying to discourage him to stop chasing for his dream car. I think after 13 pages of forumers bashing him, i feel he doesnt wanna go for it anymore. Well congratulations, you guys achieve your goal; to discourage him away from his BMW dream car.

At least JustForCheonging have a point. Why not go for other models.

Btw, i myself have a daughter already. So does that mean i can now start thinking of buying my dream bmw?
Sadly i cant afford your grandest suggestion. So do TS.

This post has been edited by SleeplessEyes: Nov 21 2015, 01:32 PM

Hi everyone, thanks for all the advices.. Actually when I am coming out this topic, I did considered for some time such as maintenance, instalment and etc... I am ready to fork out a fund like 6k per annual for maintenance.. Is that sufficient to maintain a bimmer? By the way, now I have 2 options :

A) F30 320i 2012 - RM148k
B) A4 B8 2012 recond - RM110k

Would like to know the vote of choice for these 2..