INFO:
Take home pay at roughly 5k.
I did go around to check with other option such as Personal loan from Bank (MayBank). Both also comes up with 8% p.a. interest with lower allowable loan amount (15k).
Currently for CC I have 2 of them rounding up to 8k limit, I did try to reach out with my bank for increment (at least 10k each but to no avail due young history of 6 month, paid full all of my monthly so far so should be clean)
Currently I have 15k savings but prefer not to burn all for a bike, whereas I am more comfortable to park elsewhere for security.
Buying a second-hand for MT-25 is quite a challenge as none is reachable in my area and I prefer to be able to conduct F2F inspection and to bring to mechanic.
MT-25 itself is a want i guess rather than a need.