if you are taking a loan, the instalment cant be more than 1/3 of your salary.

prepare downpayment, insurance also.

I don't think so you earn 12k per month can afford 250k car price.
If you're not buy the car for business used.

12k salary in m'sia is consider manager or boss position.

If you still is a worker I don't think so you can managed the 12k and deduct all still can afford the
Car installment again.

I can said the car 250k only for business man's used. Or company car.
For normal ppl who will getting the recondition car and the price ealisy lower than 250k and still get the same specs.

Cause if you can earn on 12k per month but you life's style should be difference than poor ppl.
High salary paid and go for playing golf and joining the club, enjoy hotel foods, spend branded clothes and where got enough for 12k salary and only pay for 250k car?

The only where you buy the car is register as company car