Upgrade from Myvi to another Myvi is a serious facepalm.
Reading alot from the replies really shows that Malaysian is all about that "debt" life.

Just set a budget of 3.5 to 5k and restore as much as possible, use it for 3.5 to 5 more years.

Alot can happen in 3 to 5 years, you might even get promoted which allows you to buy better car like Honda City for example.