9k income, the most is around 110k +/- car. C-segment like Altis/Civic are your range.

First you have to calc the service cost, (all rough figure, need BMW user to input on those parts price & labour cost)
FS oil: RM300,
labour: RM50.
Oil filter: RM40
**total: RM390
(assuming travel alot, so around every 3 months).
Every month reserve around RM130 for basic service. Since conti 'milleage', most like every 2 service will have one gear oil change and spark plug:

Spark plug: RM150
Auto oil: RM500
Auto gasket: RM200
Auto filter: RM250
**total: RM1100
Every month reserve around RM190 for gear oil change

Tires every 2yrs avg: RM700/pcs, 4x = RM2800 for 2 yrs.
Every month reserve around RM120 for tires.

Brake pads, usually every 50km, or roughly 3 service (avg ~9 months) if u travel so often.
RM320 for front pair, RM250 rear pair
Rear usually last 3x longer than front.
Per month RM50 for brake pads

Insurance/road tax: avg RM2000 per yr? RM170 per month.


On top of your RM1400 per month installment, you need 130 + 190 + 120 + 50 + 170 => 660

You need "installment" at least of RM2060 to drive that car. Excluding GST.


This post has been edited by dstl1128: Oct 15 2015, 04:59 PM

Even combined, it is HARD to even buy a car in RM100k range.

9K income is net? or gross? after deduction around 7k already.


RM1500 is monthly installement, Another RM800 monthly extra is just for car maintenance & insurance reserves.


What if that 2nd hand car, has its aircon compressor dead, or alternator dead, or bearing need change, with the 9k income... will be choked surprises.