if you aren't into moonroof but more to dsg and fc and stuffs like that, think you might be better off with a polo... yes it is smaller but 308 isn't that big either...
308 as a different kind of appeal larr... think the interior wise, 308 is still better than polo... i don't have the option like you had but for me, i am not a speeder (occasionally sure got wan larr) so interior quality has more appeal to me... so it is what rocks your boat bro...
but for a vw, don't think you can go wrong larr... anyway dsg also has its fair share of problems...
also 3.2k salary, probably better go for lesser priced car... not sure if you could get full 90% loan... good luck bro...

don't think it would add too much weights on that... quick calc: it is less than 5% of the loan, so if you add 5% to the repayment, it is probably about 70 ringgit (totalling about 1.5k)... not as bad as 1.9k a month for the repayment.