Just calculate that your salary is around 1000.

Excluding these two expenses, your income is about 3000 yuan.

A month 3000x 12=36000.

In other words, your principal can be recovered after 4 years.

Of course, it does not rule out that business is better or worse.

Four years later, what is the condition of the car? This is also a problem to be faced.

If it were me, I wouldn't do such a long payback period.

I hope I can help you.