Let me be the devil.

We're always on the assumption that we're going to sell the car thus the "car value" depreciation that we always talk about when it comes to car. What if we don't intend to sell the car??

But remember, we're also always talking about depreciation in currency. And since interest rate is fixed, wouldn't paying RM1000 monthly loan repayment for example is actually paying lesser when it comes to depreciation of money at later years.?