First of all, it is expensive for you. I suggest you choose 20 18 blue sky exclusive edition instead of the top edition. The price of 200,000 naked cars is negotiable. The insurance fee for licensing is 2.6w, plus 30% down payment, which is 8w yuan.

Later you said it was a five-year loan. I don't know what kind of loan you are making. The car loan interest rate provided by general manufacturers is low, and the third-party interest rate is high, which should be between 3000 and 3400 per month.

Consider the annual cost of car use. If the mileage is1.2wkm, the maintenance and parking oil insurance is about1200+2400+8000+5000 =16600. The average monthly cost is about 1400.

Roughly calculated, the monthly cost is between 4400-5000 yuan, and there is about 4000 yuan left every month, which is basically enough and there is no money left.

In addition, it depends on your current savings and liabilities, as well as your wife's income and consumption level. If these are not ideal, I suggest careful consideration. After all, it costs money to raise a child in the city. Or, consider a reliable second-hand B-class car.