Seeing that you're quoting distance in KM, not miles, I'm going to assume you're not in the USA. Repairs may be much more expensive where you are. 4,000 KM is about 2,500 miles. That's 30,000 miles per year. Almost exactly what I put on last year. Last year I got 3 oil changes. 100 each, but could have done much less, but I have a friend who's struggling to keep a small repair shop going, so I give her my business. Supporting small business. Tires last me 60,000 miles. So let's add in half of the tires from last year. 250 (tires were 500). Other than that, nothing. 45/month. Probably less, since I'm known to go a few thousand over on oil changes. Now what will bite you is when you get in an accident. That'll cost you your deductible. If totaled you'll get screwed because you inly get fair market value.
10,500. Put the difference down on another car. So, let's run numbers on the 2019 Jetta I just got. Since it had 5,000 miles on it, it's a "certified pre-owned", so VW put a 100,000 mile 7 year warranty on it (instead 0f 72,000 6 year). First two maintenance are free. I'm not a scumbag, so my interest is 2.9%. I chose 48months (4 years) loan, not 60 which is most common here. 250/month. But that's for five vehicles, including a 2017 Prius, an old beater, and two expensive motorcycles. 325 for the next couple years. I have a friend who rents through Uber. Kinda makes sense for him, since he has no car, no job, shit credit, and lives in a place where insurance and registration is really high. However, I consider him stuck. He now HAS to drive for Uber. If he happens to find a new job he'll have no car to get there.
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