Hello experts,

I am a 24 years old kid (Malaysian) and want to own a second hand BMW F30 328i M-sport so badly. I have 3 income sources, my main income is RM2,670 nett, and going to RM3,770 nett on next month.

Main income: RM3,770 /month (nett) (Fresh graduate income)
Second income: RM500-1000 /month (not consistent)
Third income: RM3,000 - 10,000 / month  (so far the highest, been having this for a year)

My expenses:
1. Food & petrol: RM2,000/ month
2. Rental: RM450 / month
3. Entertainment + GIRLFRIEND: RM1,000 / month
4. No insurance since my company is covering it for us as an employee.
5. 0 commitment. (Thanks to my parents for offering me a 10 years old VIOS).
6. 0 commitment since I bought an apartment unit and rent it out.

In average, I can save up RM3,000 - RM15,000 / month. (RM15,000 is the highest achievement so far, only hit once).
I want to have a second hand BMW F30 328i M-Sport 2014 yr, with price RM140K. loan with 7 yrs, and installment would be RM1,400 +-.

I need advise from all experts since I'm still young. The reason I don't want to buy a brand new 318i is because the depreciation value is high and I think it's not worth for me. What I know is the depreciate value is up to RM130K for 4 yrs old car. I'm saying 328i M-Sport.

My concerns:

1. How much would I lost from buying this after I sell it off after 5 years.

2. How much would cost me to maintain? (installment + maintenance)

3. Is it really that bad to buy a German continental car (used car) because I've seen so many bad review on it.


PLEASE TO ALL SIFU TO GIVE ME A PROPER ADVISE....

lol TS SUDAH HILANG