For that budget n loan period, I would strongly recommend that u:

1) keep ur money and use bike instead atm
2) have at least 30k saving then throw a big deposit for better car with d same 400/mth budget
3) work 2-3 years more than only buy a good car

Im not hate proton. Preve & Exora are good car n mpv. But for saga, it just wasting ur money. 100% i guarantee u will regret after own it. Car is not investment.

#2 & #3 contridicts the last statement

Now you see me