What are the family conditions for buying a BMW 3 Series?
3 Answers
Here is a detailed introduction to the family conditions for buying a BMW 3 Series: Young people: Young people with good financial conditions. Although it is BMW's entry-level model, the BMW 3 Series is still quite expensive, so financial conditions must be decent. Of course, it could be due to a wealthy family background or early career success. Young people are generally more passionate, so the 3 Series, with its excellent handling and driving experience, is a great fit. Successful individuals: Those who have achieved career success and are approaching middle age. Having worked hard for most of their lives, they finally have the capital to buy a BMW, often to fulfill their long-held dream of owning one. The extended version of the 3 Series is also sufficient for a family's daily needs.
After our family bought a BMW 3 Series, we felt quite comfortable, but the financial conditions must keep up. The household annual income should be at least 300,000 RMB, as the starting price of the new car is over 300,000 RMB, and with loan interest, the monthly payment would be at least 5,000 to 6,000 RMB. There are also daily expenses—fuel costs nearly 1,000 RMB per month, and insurance and maintenance add up to over 10,000 RMB a year. If there are children's extracurricular classes or a mortgage to worry about, life can get tough. I recommend evaluating the total expenses first and saving some emergency funds so that driving can be worry-free. After all, maintaining a luxury car is like burning money, and I’ve seen many people regret impulsive purchases. If your income is stable and you have no major debts, buying it is an upgrade to enjoy life—I think it’s worth it.
Families buying a BMW 3 Series should have some financial leeway. I feel that the conditions shouldn't be too tight, like a household monthly income of at least 15,000 yuan to comfortably cover the new car payments. Additionally, there shouldn't be any unexpected major expenses at home, such as children going to college or elderly medical bills, otherwise, the high maintenance costs can become a headache. My family situation is simple—no mortgage, fixed education expenses for the kids—so driving the car is worry-free. By the way, don’t just look at the purchase price; the later costs are scary. I spend nearly 1,000 yuan a month on gas, and a minor service costs over 1,000 yuan. Maintaining it is as demanding as taking care of a pet—both mentally and physically exhausting.
