passat is cheaper than camry 10k wor?

No, unfortunately I have max monthly budget set that I don't intend to exceed and is completely comfortable without any lifestyle change. So it becomes just a matter of taking either a 3,4 or 5 year loan.

With the Camry, I need not take a loan longer than 3 years. With the passat, I can also do it in 3 but would have to fork out an additional sum of money on top of my trade in. Otherwise, I'd have to take a 4 or 5 year instead if I don't intend to top up my downpayment.

A shorter loan tenure and having more money in my pocket is always more desirable. Second hands are out of my consideration because I never like the idea of owning a pre-owned car, a matter of personal preference here.

passat is cheaper than camry 10k wor?

No la, I was focused on the 2.0G spec version because the difference between that and the Passat about 20k. I decide on the car based on what I'm comfortable paying each month and the length of loan. For all intents and purposes, I consider the 2.0G version is great as a stop-gap measure because the loan is only 3 years and once the warranty is over, I can just move on to something better rather than take a lengthy 7 year loan if I were to buy say an Audi A4 or 3 series F10.

The 2.5V spec was never under my consideration because I simply do not think it's worth taking a 5 year loan for an overpriced under-specced car like that. And now I just realized, the 2.5V spec is only about 5k or so more expensive compared to the Passat.

In any case, I want to avoid taking a 5 year loan and instead keep it to 3 or 4. With the Passat or Camry 2.5V, I have to still stick to a 5 year loan if I don't want to top up my down payment.

Compare to Toyota Altis 1.8G spec, I think the "ALL NEW 2012" Toyota Camry 2.0G spec is way too LOW spec, OUTDATED engine and UNSAFE on less-ideal road!! Well, please see the below comparisons for the spec [pls note that despite these 2 cars is on  different segment, but I'm pointing the comparison on the spec, rather on segment of the car]:

Toyota Altis 1.8G spec        VS        Toyota Camry 2.0G spec

1) Dual VVT-i with ACIS      VS      DOHC with VVT-i
  (New engine)                    VS      (Old & Outdated engine)
  (More power & torque)      VS    (Less power & torque)
  (Consume less fuel)          VS    (Consume more fuel)

2) Super CVT-i with 7-Speed  VS  Super ECT with 4-speed
  (better fuel efficiency)        VS  (less fuel efficiency)
  (Advance gear box)            VS    (Old gear box)

3) Safety on less-ideal conditions (such as on rainy day, slippery road & uneven surface road)
  - with VSC & TRC          VS    - without VSC & TRC
  (MORE SAFE!)              VS      (UNSAFE!)Hope God will bless you then!                                                                   

MY PERSONAL CONCLUSION: Driving a Toyota Altis 1.8G is seems to be MORE SAFE on the road than driving a New Toyota Camry 2.0G!! Yet, you need fork-out additional RM35,000 for a LOW spec, OUTDATED engine and UNSAFE "ALL NEW 2012" Toyota Camry 2.0G!! UMW TOYOTA is very "BRILLIANT" on "hiding" the above spec comparison when come to promoting this New Camry! You don't see info of VSC & TRC in 2.5V (indeed 2.5V equipped with VSC & TRC, but not for 2.0G or 2.0E). No "comparison" info means less awareness to the potential buyer, especially those Uncles!!

Despite Camry is much better on exterior looks, but the spec of Camry 2.0G shall deserve more or less the same as Altis 1.8G since both cars is same G spec, especially the extra SAFETY feature, such as VSC & TRC that equipped in Altis 1.8G! This VSC & TRC extra safety feature might able to save you and your passengers when you are driving on less-Ideal road conditions and on emergency situations, such as on rainy day, slippery road & uneven surface road. Is UMW TOYOTA trying to IGNORE extra safety of the driver and the passengers of new Camry 2.0G !? while put EXTRA ATTENTION of extra VSC & TRC safety on the driver and the passenger of Altis 1.8G instead!? The price of VSC & TRC is just mere few thousand Ringgit only! Of course, the rationale behind by not equip VSC & TRC on Camry 2.0G is make EXTRA profit on D-Segment car for UMW TOYOTA lah!! more UNTUNG lah!!

Well, I'm also a Toyota car owner at the moment. But to upgrade to this New Camry, I would put on hold until UMW TOYOTA upgrade the spec of this Camry or look for some other cars. Simply Not worth buying this New Camry at these kind of LOW spec and OVER-PROFIT by UMW TOYOTA!

In fact, couples of days ago, one Toyota salesman told me that there was quite number of cancellation of booking order for this Camry 2.0G or 2.0E. Simply b'cos the potential buyer disappointed with this LOW spec Camry. To buy 2.5V with HIGHER spec is overpriced at RM181K!

I was thinking the other way around. maybe add 20k more for current prius / k5 to get the passat 

instead getting regret in 3-5 years time. 

4 years need repayment about 3.2k month    quite tight for my income. kenot spend like before 

Get the new camry, saw it on the road and it looks awesome. The passat is a good car but in terms of uncle-ness, its worst than the camry and it has a very boring design.

Get the new camry, saw it on the road and it looks awesome. The passat is a good car but in terms of uncle-ness, its worst than the camry and it has a very boring design.

indeed, but volkswagen cc is different case lolz. for exterior, i think 508 is also better than passat.

saw 2 camry on the road. real car is more charming than see in ads and brochure etc.

My maximum is RM2200 per month. Not a penny more. I'm comfortable paying up to 4 years, ideally 3 and I don't want to go 5 if I can help it.

I went for a 2nd test drive with the Passat at Cergaz, my first drive was at FA Wagen. That dashboard creaking sound is still there ;(

Build quality issue or is it something else?

Get the new camry, saw it on the road and it looks awesome. The passat is a good car but in terms of uncle-ness, its worst than the camry and it has a very boring design.

I guess japs always design cars for the future. Meaning 5 years down the road they still look fresh!

Unlike their korean counterparts, they design cars for that year only. 1 year dwn the road, the car looks damn outdated.

Today at last got the chance to Test the Camry, first I found the Toyota salesman is very action, I have been standing there but no one come to serve me until I asked one of the sales person, and he also not directl come to serve me, but he still chatting with other salesman there, very impressive Toyota service. I tested the 2.0 version, first the 4speed gb is really an outdated unit, I found when in the 1st gear, the car is responsive, but when switched to 2 nd gear, you can feel the car is slower and the pick up is gone, this problem same as the 3 and 4 gear. I have driven the previous Camry quite often, so I know it quite well, and this gen Camry is using back the same old chassis, which on the riding quality isn't much different, handling somewhat is a little bit harder compare to the last gen, but also a very little bit only. Nvh, I still found the last gem and the current gen is quite similar, maybe the tires are new, so road noise is a bit softer. Interior space, Toyota highly claimed the new one is bigger, but I found totally same, just Toyota lower the rear seat and also make the rear seat smaller, and give you an impression that it is bigger, but when personally sit inside, no difference. Overall, this car doesn't worth the asking price, just take a spin in Teana and you will know what I trying to say.

Today at last got the chance to Test the Camry, first I found the Toyota salesman is very action, I have been standing there but no one come to serve me until I asked one of the sales person, and he also not directl come to serve me, but he still chatting with other salesman there, very impressive Toyota service. I tested the 2.0 version, first the 4speed gb is really an outdated unit, I found when in the 1st gear, the car is responsive, but when switched to 2 nd gear, you can feel the car is slower and the pick up is gone, this problem same as the 3 and 4 gear. I have driven the previous Camry quite often, so I know it quite well, and this gen Camry is using back the same old chassis, which on the riding quality isn't much different, handling somewhat is a little bit harder compare to the last gen, but also a very little bit only. Nvh, I still found the last gem and the current gen is quite similar, maybe the tires are new, so road noise is a bit softer. Interior space, Toyota highly claimed the new one is bigger, but I found totally same, just Toyota lower the rear seat and also make the rear seat smaller, and give you an impression that it is bigger, but when personally sit inside, no difference. Overall, this car doesn't worth the asking price, just take a spin in Teana and you will know what I trying to say.