Hi bro..let it be slowly but surely. First of all, u need like 30% downpayment for beast like e39 to reduce the installment. It is not a new model and the loan margin is not more than 70% of the market price depending on the year of manufacture. Secondly, set aside 5k for any insurgencies. 1200 per month for maintenance and loan should be okay if u find the right item..my 0.002 cents