Hi everyone. I’m all set to buy a brand new car and it’s gonna be my first one. I initially wanted to buy a second hand car but for my peace of mind I realized it’s probably better for me to get a brand new car instead since I’m a beginner who barely knows anything about cars at takot ako magkaroon ng problems sa maintenance. Currently eyeing Toyota Raize kasi pasok sa budget at size na gusto ko. I was warned na mas malaki daw mababayaran ko pag nag in house financing ako kaya naisip ko mag apply sa bank for an auto loan. Baka pwede niyo po I share kung anong bank yung may lowest interest rate? :) Pasensya na po, wala talaga akong alam sa ganito at first time ko magloloan if ever kaya I wanna make sure I explore all of my options. Planning to DP at least 300k then the rest I loan ko na po. 5 years to pay sana ang gusto ko as a safety net kasi ayoko ng malaking babayaran monthly, pero ang goal ko po talaga is ma fully pay off ko yung loan within 3 years kasi ayoko rin naman magka utang ng matagal. Thanks in advance for any tips or input!