So you're planning to also lean on your wife income to buy a car for yourself, or this car will be for both of you, meaning she does not need a car on her own and you can fetch her all the time?
Even with combined income, I suggest you forget about showing off with such a car and just settle with something around rm60k or below which is matching your own income excluding your wife's, then maybe buy another cheaper one for your wife. IMHO for people with such income level, don't think yet about enjoying and showing off with luxury brand cars but first prioritize about practicality and trying to make do with what you can really afford.

Hi fellow bros, can I seek for some advise from you guys? I am a normal office worker, currently income 5k nett. My wife which is also an accountant income around 4k. Combine income 9k. Own a condo monthly installment 1500. Petrol cover by company RM600 every month.

Planning to buy a 2nd hand BMW F30 316i, price RM150k , downpayment 20k , loan 130k, tenure 9 years, installment every month 1400. No more warranty, with 30k left BSRI.

Please advise whether I should go for this 316i? Currently driving a vios. 5 years old car. Really fancy this car but worry about the maintenance cost. What do you guys think of it with me and my wife combine income? ( not plan to have child yet )

Thanks fellow bros. please advise.

That's another good point. If TS takes a loan for 9 years he probably plan to keep it for 9 years until the loan is settled. The longer the age of the car the more expensive to maintain. Although this is true of any car it is especially true of conti cars where cost shoots up far more than Jap or Korean cars. It's possible that TS may get more affluent as the years pass but it is unwise to commit to a future which is uncertain.