Don't go for loan if you have to compromise with your standard of living.
If you are in urgent need then get one which has good resale value. Save up and get into higher progression for the one you dream to buy. But then again consider that if you are buying it for daily commute then it's better to invest in a good efficiency bike first and another one to satisfy your adrenaline craving.
If you don't have a safe parking area then do not invest in high value item. Chances of vandalism is higher.
If you are in urgent need then get one which has good resale value. Save up and get into higher progression for the one you dream to buy. But then again consider that if you are buying it for daily commute then it's better to invest in a good efficiency bike first and another one to satisfy your adrenaline craving.
If you don't have a safe parking area then do not invest in high value item. Chances of vandalism is higher.