I think low-middle class bumiputera should take advantage of 9 year low interest car financing by investing in asb the difference in monthly commitment of 5 vs 9 years loan.

I'd done the calculation and indeed one can get some extra money within 9 years by doing so. Of course it depends on your car financing interest rate, so everyone should calculate it themselves.

For non-bumi, it depends on our life priority and situation. Both has pros and cons. We are essentially paying the car with " more money" or "more time". I