Take it at R 10 000 for R 100 000 just to be safe. But it all depends on your expenses. Also you will need to fork out 20% deposit since your a first time buyer I assume. Repayment on a loan of R 200 000 would be about R 5 500 - 5 800 give or take depending on the agreed interrest rate.
Why do you want such a car at your age
Damn you can still live out your money and drive a nice R 80k car no problem.
+1
The fact he is querying about finance shows that he is not Bill Gates or Arthur Brown. Times are hard, you seriously need to assess whether a car is a need or a want. To have such big target for a loan R200-250k shows that you have slightly deeper pockets. Ask yourself, can that money be better spend elsewhere. You can get property you don't even need to stay in it, you can simply rent it out.
I bought a car two months ago, not very fancy but capable for R35k, I paid it cash, next month I will take it for a service, I'm having a budget of R15k for it, to iron out every issue that it might have. A car was not a need for me; it was a simple want, though it does get me from point A to B.
For R80k you can get a very good car, even for half of that, if you have the patience to look.
Also note that at your price range, the car that you'll buy will be classified as a performance car by insurance companies, aged 22, your looking at very steep rates, its not even go to help whether you have a tracker or not, theft will not be concern, you'll be classified as high risk for accidents. Don't expect your insurance premiums to go down any sooner.
So Treschen, make an informed decision. You don't want to have regrets
