I have the same xperience like yours, scouting for 2nd hand swift and jazz but end up with new swift, right now maybank offer 2.85%, + year end RM2.5k discount + ncd so I need to pay around RM5k with a pre-calculation mnthly payment RM756.

used swift rate 4.2% to 4.5%, aprox. same amount of d/p and monthly payment

so new swift is the best choice so far , I guess 4 2nd car is not bad, new jazz, mazda2, ford fiesta , all xpensive.