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.

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