If ure talking on specs alone its surely the Kia Forte 2.0L. Not many can match the Forte in terms of specs vs price yet except maybe the Preve. The Civic is also well spec'ed but at a higher price. If safety is important for you, then go for the Forte if ure looking for <100K. But as with all cars, the Forte has its drawbacks too but if resale value is important for you, then ure better off with a Proton for sure. Not sure about the handling of the Forte vs Inspira or Preve though.

If uve decided between these 2, i would strongly recommend the Preve Turbo compared to the Inspira instead. Much better specs, more powerful, better design and i think its % of resale value would be better in the long run.

But why would u take a 9 yr loan? Its a pure waste of money. I would think that 7 yrs is the max anybody should take a loan for. Best is 5 years.