Feb 8 2016, 10:46 PM
QUOTE(niklys @ Feb 8 2016, 09:07 PM)
Hi thefryingfox,
From your calculation, i believe you are advising me to input monthly road tax, monthly insurance cost, monthly fuel consumption, and monthly installment altogether to be below 30% of my monthly income, right? if i were to pay higher deposit, would that solve my monthly commitment issue with expectancy to major service cost?
hmmmmm, i do agree with the fact that the interest rate is a killer there. the maths is crazy.
although, pushing 7 years with 20% downpayment is fine, right? the interest rate would be better then, like 3.1 or 3.2%
niklys
well you pointed out a good point....30% of your nett spendable salary is about right but what i was saying, save 30% of your monthly car installment for mentainance. Though oil change can be around 400 in 3-4 months...but the big ticket items will come and when they come, you better be ready for it dawg!From your calculation, i believe you are advising me to input monthly road tax, monthly insurance cost, monthly fuel consumption, and monthly installment altogether to be below 30% of my monthly income, right? if i were to pay higher deposit, would that solve my monthly commitment issue with expectancy to major service cost?
hmmmmm, i do agree with the fact that the interest rate is a killer there. the maths is crazy.
although, pushing 7 years with 20% downpayment is fine, right? the interest rate would be better then, like 3.1 or 3.2%
niklys
another thing to note, them tires at the rear are quite....pricy and cheap manufactres like neuton, nexen etc hardly makes them or if they do, the size may not fit and to align a newer beemer will cost significantly more than your japanese brethen due to the active steering system
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). But yeah, after going continental and wanting to go back to japanese, it feels weird I guess in terms of reputation and driving feeling. 
) Hmmmmm, the suspension might be of a concern for me. Would prefer a more comfortable ride, even when there's alot of holes or uneven surfaces. is it possible to not get the m-sport suspension? hahahaha, i might be stupid here 
), no car commitments, and no housing commitments. I would most probably drive this car (E90) for the purpose of point A to point B (nothing more than 5,000km in 2-3 months) and sometimes love couple weekend trip within Malaysia (Melaka, Penang, Johor, etc) and maybe once in a blue moon to Thailand and Singapore. I would need to meet important people like CEOs, COOs, CFOs, Directors, VPs, Datuks and the list goes on, thus, I need something of value like a E90 to ride with these people. My driving style is moderately relaxing (mostly in traffic jams with 10-80 km/h, highways at 110-130 km/h, and sometimes if empty road at 150 km/h and above). I'm not a heavy right footer, but occasionally when I need the power to overtake some stupid lorries, buses, or irritating fast lane hoggers, I would pedal to the metal. Given the fact that if it's a BMW, I might ride at 160-180 km/h on highways when I'm travelling far to places like Ipoh, Kuantan, and etc. I'm would be bias to and wants more of a comfort ride (wants great tolerance to bumpiness, dampings, and extremely low NVH, road noise, wind noise) than to performance driving (super cornering speed, drifting, pickup, topspeed, and the list goes on), basically, a guy who wants comfort and luxury driving than to a sports car.
= RM760 per month
for your assistance and advice which I am extremely grateful for and highly appreciated. Your support, advice, and guidance would be appreciated for me transitioning into a Beemer. Please give me energy to become a Beemer! 
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