1) if you have to ask whether you can afford it or not you probably cant afford it

2) there is no reason to buy luxury expensive car unless if you are salesman, businessman, real estate agent etc. when you go meet the potential client or customer, they see your car wow you are so successful. They will automatically think that you are good at what you do

3) Most people that i know that bought luxury car actually bought using director's car allowance... they get RM3k per month for any car spending. So they get free car, free maintenance, repair, even free petrol to claim. If they dont use it will go to waste.

4) Americans have this 20/4/10 rule
20% downpayment
4 years loan max
10% monthly payment from monthly salary
Probably needs to stretch out for Malaysia though since americans earn a lot