If you ask financial planner then they probably advise you not to get X50 if you have a house loan and you are thinking about 7-9 years repayment period.

Keep the money for emergency bro especially during covid situation.

But yea the rate is quite low these day, you can easily get 2.21 - 2.28 no problem

If your house loan occupied 50% of your net income and therefore forces you to take longer repayment period for car loan so you still have tiny bit of allowance then, yes why not get a house loan and choke yourself everyday right ?