1. Look at 3's that are 5 years older on mudah/oto and you'll get the idea. Once a new model comes out they plummet.
2. Local BMW's have 5 year warranty, so hopefully the one you're eyeing was well maintained. Depends how it's been / being driven, RM250/month just for maintenance would be a safe budget for a normal driver
3. They're way less forgiving than Jap/local cars ... so if you see any warning lights get it taken care of asap.

These are the questions.

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.

Since you so badly needed it, just get it, no point asking bout depreciation of a used car and maintenance, everyone knows is definitely going to be more expensive than a Jap, research here and there can roughly give you a figure of how much it cost for replacing parts/servicing etc etc..

That also if you are confident that your 2nd and 3rd source of income won't screw up in the near future and assuming you have a big pile of cash in your bank

But if I don't do it when I'm young, and capable to seek for more money, then I might missed this in my life.

Slowly having more commitments, and probably will not have a chance to get these experience.

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....

That's exactly what I did when I was 22, loan myself a big bike, buy a brand new iphone just so I can have fun with my life. Little did I know, my desire is about to change. I dont like the bike anymore, but I still have some more years before I can finish my loan. I have to pay for its servicing, spare parts, insurance, etc and holy molly they're super expensive especially for something that I dont like anymore. A new iphone comes months after that, then I realize i dont have the latest iphone.. i just wasted money buying it.. all these nonsense mindset comes to me because of buyers remorse.. then my new girlfriend comes along, i need money for her and travelling, etc.. im just wondering what if i dont spend that much money when I was 22.. could have save it for future..

He said he has rm50k FD in the bank. If he used some of that for 10% DP for a rm140k car and some paperwork fees, then maybe less rm15k, so left around rm35k? Then maybe initial repairs and maintenance needs around rm2-4k?  So roughly down to around rm30+k maybe, is that a big pile of cash?

How about the mileage record, is it possible to be modified?

yeap, just change the circuit board or use rollback software. If it's a local BMW then at least you can cross check with maintenance booklet.

just sharing, when I was a freshie, those premium brands were super tempting when you have nothing else to spend on (family etc). Also with 9 year loan, anything below RM500k would be in reach  Still remember A6 Hybird was ~RM300k which seemed like a super good deal at the time

Eventually I settled for a used murano @ RM40k (mainly for the keyless entry, at that price no other car had it back then). Was just a car to get me from A to B. Colleagues were getting new VW's , Civic's etc ... didn't make me exactly envious, but they looked like they had more $$ to spend !

Now 5 years later, glad I chose what I did. It's a dull drive, but at least it's reliable. No car loans (calculate how much a bank earns) and with what I saved I still have the option to get a better car. If I'd gotten something "nice" back then, I wouldn't be looking forward to new car launches anymore

just sharing, when I was a freshie, those premium brands were super tempting when you have nothing else to spend on (family etc). Also with 9 year loan, anything below RM500k would be in reach  Still remember A6 Hybird was ~RM300k which seemed like a super good deal at the time

Eventually I settled for a used murano @ RM40k (mainly for the keyless entry, at that price no other car had it back then). Was just a car to get me from A to B. Colleagues were getting new VW's , Civic's etc ... didn't make me exactly envious, but they looked like they had more $$ to spend

He said he has rm50k FD in the bank. If he used some of that for 10% DP for a rm140k car and some paperwork fees, then maybe less rm15k, so left around rm35k? Then maybe initial repairs and maintenance needs around rm2-4k?  So roughly down to around rm30+k maybe, is that a big pile of cash?

It's ok ma, he got rm50k CASH wor!