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@giagwe 9 years = 27% interest 5 years = 15% interest Just take the 5 year loan if you are able to afford it... At least save you lots of hassle of the old car having problems... If you have been driving a very old Toyota I wouldn't advise you to change since they are durable.. other cars...

@giagwe Just buy a new model axia, after 5 years it would have a resale value of 70% -/+ 40k+ is still ok... And you don't need to pay a lot if you pay using the sale of the current car as a down payment... Maintenance wise is ok and not expensive.... And won't have any major issues within 5...

@rj786 Proton saga has resale value, although a bit worse than perodua. But better don't afford things you can't pay... Don't forget those maintenance like tyres and so on....

@schnolhamor I took the proton saga with a 3 year loan, 3% interest... Short term pain but it's actually a financially correct choice.... Basically only pay 9% interest on the car only.... A 9 year loan, you pay less amount per month, but it's 27% interest, not worth it.