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Message: <blockquote data-quote="anaksarawak" data-source="post: 213763" data-attributes="member: 4851">If your budget is limited... Buy the a E36 1992-94 (318i) that us below RM30KIt will cost you RM26-29K .. A full overhaul for engine and gearbox will add RM4000 so it total to RM 30-32K.. or RM5000 for halfcut 325i engine and gearbox with overhaul and installationEven if the interest rate is 10% it will only be RM1155 per month (3 years loan)Expense are RM28K (Purchase price) RM4000 engine&gearbox total RM32K + RM9600 10% interest for 3 years come to a Total RM41,600 .. Say you sold your car after 9 years at RM9,000 ... your expense is RM 32,600 or RM 301 per month.Worse case senario for mid income earner..I dont dare to count how much you will lost after paying 9 years for E46 with RM100,000 loan at 4%.. The value of the car by then is about RM20K whereas you have spended.RM100,000 (purchase price) RM36,000 (4% interest 9 years) total RM136,000 .. RM20K resell value after 9 years.. a total expense of RM116,000 or  RM1074 per month to own a car. (exclude initial maintainance after purchase estimate RM4000)The difference is RM 83,400.. With this amount of cash you may invest into your house, your wedding, your investment, insurance etcs...</blockquote>