For your budget around Rm 8,000 down payment and less than Rm 800 installment per month, Get car below Rm50000 like Myvi etc and loan it for 5years. After 5years u will be happy u got extra cash to either get bigger car or save ur cash for property. Economy are bad now bro. Dont struggle your life. Kept car loan below 5year. Lots of things gonna change next year after GST imply.