but recently i heard the interest will add another 0.25,
if let say currently is 4.0 interest will up to 4.25

but for what i think it's always better put 50% for the downpayment, so the interest you pay to bank not much that higher.

for let say one car pricing is 55k
your downpayment is 25K
you have 30K remaining.

30K loan 5 years.

30K * 4% (Interest rate) --> for example 4.0 interest rate

= 1200 Per year

Loan 5 years.

= 1200 * 5 = 6000

= the interest you need pay to bank is RM 6K

30K --> Price of the car + Interest 6K
you have RM 36K need to settle

= RM 36K / 5 years
= RM 7,200

You monthly repayment is
= RM 7,200 / 12
= RM 600


Now if let say i full loan (for example)
the car price is RM 55K

= RM 55K * 4% (Interest Rate)
= RM 2,200
Loan 9 Years
= RM 2,200 * 9
= 19,800

the total Interest you need pay to the bank is RM 19,800

now we add up the car price

RM 55,000 + RM 19,800
= RM 74,800

So your Monthly Repayment for 9 Years is
= RM 74, 800 / (9 years) / (12 Months)
= 692.59++


Then now we calculate the car depreciation value after 10 years
1 years depreciation is 6% if not wrong

RM 55,000 * 60%
= RM 33, 000

After ten years , if your car is good condition and have some very small broken.
so i calcalate as RM 30, 000

If let say your is downpayment is around 50% as above and loan 5 years.
then bank interest amount is RM6K right ?

so RM 30, 000 - 6,000
the total approximate of your car is around RM 24, 000

Hope this help to manage better finance and the cash flow on your hand