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How much is your monthly income on your own, and can you afford to drive a BMW 3 Series?

How much is your monthly income on your own, and can you afford to drive a BMW 3 Series?

In the past two years, with the continuous development of short videos, many young people have been attacked by an impetuous wind. Not to mention anything else, just talking about cars, when I was around the age of 20, first-line luxury brands such as Audi, BMW, and Mercedes-Benz had models that were our dream cars. However, in the eyes of some friends today, some models under first-line luxury brands such as Audi, Mercedes-Benz, and BMW are no longer luxury cars, such as Audi A4L, Mercedes-Benz C-Class, BMW 3 Series, and lower-level A3, A-Class, 1 Series and other models......

How much is your monthly income on your own, and can you afford to drive a BMW 3 Series?

But the reality is always cruel, in fact, for most friends, it may be difficult to even afford to buy and use a BMW 3 series, speaking of which, many friends may be "unconvinced", so many BMW 3 series on the road, it feels more than passers-by, how can it be said that most friends can't even afford a BMW 3 series?

How much is your monthly income on your own, and can you afford to drive a BMW 3 Series?

Next, let's help you calculate the account, in the case of relying entirely on yourself, that is, without relying on your parents and family members to "help", how much money do you need to earn a month, and can you afford to buy and use a BMW 3 Series?

First of all, in terms of car price, the price of the cheapest BMW 3 Series is about 300,000 yuan, in order to facilitate the calculation, we will calculate it at 300,000 yuan, and most of the BMW 3 Series landing prices are higher than 300,000 yuan. Under normal circumstances, the proportion of the loan is four or six, that is, the down payment is 4 percent, the loan is 6 percent, for the BMW 3 series of 300,000 yuan, the down payment of 4 percent is 120,000 yuan, and the loan needs 180,000 yuan.

How much is your monthly income on your own, and can you afford to drive a BMW 3 Series?

We calculate the loan for 3 years, the general financial plan interest is 4%-5%, and the monthly payment reaches about 5,500 yuan, and when you buy a car in the first year, you will have to spend a relatively high handling fee and a relatively high premium, because in the traditional dealer channel, as long as the loan, these expenses are indispensable, and these costs are to be evenly distributed to the cost of buying a car.

In addition to the cost of buying a car, it is also necessary to maintain a car. For a BMW 3 Series, it is not outrageous to spend 7,000-8,000 yuan on a year's premium, after all, it is a new car, the premium is a little higher, and it is safe to drive. Now the price of 95 gasoline has exceeded 9 yuan / L, we will calculate it according to 9 yuan / L, not much a year, 10,000 kilometers, in fact, most car owners buy a new car a few years ago, are much higher than this mileage, according to 10,000 kilometers, a year of fuel costs at least 10,000 yuan, 10,000 kilometers of maintenance costs 2,000 yuan, for 3 series such a model, it is not expensive.

These are just big projects, the remaining car washing, parking, violation fines and other expenses are ignored, the average monthly cost is as high as 1600 yuan, plus a monthly loan of 5500 yuan, the cost of this 3 series every month is as high as 7100 yuan, and only a lot more, so for the general friends, you can simply calculate the monthly income, go out to buy a car, the cost of maintaining a car, how much can be left?

How much is your monthly income on your own, and can you afford to drive a BMW 3 Series?

Of course, what is more critical is that if you want to take out a loan to buy a BMW 3 Series of about 300,000 yuan, you need at least a down payment of 120,000 yuan, so where these down payments come from is a big problem. So in fact, in our opinion, if you rely purely on yourself, with a monthly income of about 10,000 yuan, it is more difficult to afford and raise a 300,000-level BMW 3 Series. It's not that you can't afford it, you can afford it by gritting your teeth, but after you buy it, the quality of life will be greatly reduced. The original intention of buying a car was to improve the quality of life, but after buying a car in this way, life became even more difficult.

In fact, a monthly income of more than 10,000 yuan is already a relatively high income, but for many friends, without family support, it is basically impossible to afford a BMW 3 Series of 300,000 yuan under the condition of having a certain quality of life.

How much is your monthly income on your own, and can you afford to drive a BMW 3 Series?

So in fact, on the Internet, there are many netizens who think that buying an A4L, 3 series, and C-class is very simple, and they don't even look down on the owners of these models, and friends should not feel anxious because of these statements. The fact is that the owners who can afford these models have "outperformed" 90% of the car owners, and it is very difficult for those who have a monthly income of more than 10,000 to afford and raise a 300,000-level 3 series.

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#1196ff;--weui-PURPLE: #8183ff;--weui-WHITE: rgba(255, 255, 255, .8);--weui-LINK: #7d90a9;--weui-TEXTGREEN: #259c5c;--weui-FG: #fff;--weui-BG: #000;--weui-TAG-TEXT-RED: rgba(250, 81, 81, .6);--weui-TAG-BACKGROUND-RED: rgba(250, 81, 81, .1);--weui-TAG-TEXT-ORANGE: rgba(250, 157, 59, .6);--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: rgba(6, 174, 86, .. 6);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: rgba(16, 174, 255, .6);--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, .1);--weui-TAG-TEXT-BLACK: rgba(255, 255, 255, .5);--weui-TAG-BACKGROUND-BLACK: rgba(255, 255, 255, .05)}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){-appmsgExtra-BG: #121212}}@media screen and (min-width:1024px){body:not(.pages_skin_pc) :root{--appmsgPageGap: 20px;--appmsgPageBottomGap: 40px}}:root{--articleFontsize: 17px}:root{--sab: env(safe-area-input-bottom)}:root{--wxBorderAvatarRatio: 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