Buy second home.

Then you may follow the steps below for your car should you still wish to get a car.

1. Go inquire about the car you wish to purchase (be sure to make sure your car loan financing can sustain with the second home).
2. Ask the dealer (new car I presume) whether they accept credit card for one shot clear all.
3. If yes, refinance your first home, take out the cash, buy the car with upright funded CC (cash into CC for increase limit, then one shot purchase).

- Housing loan is more secure (Got coverage if u unfortunately die).
- If they accept CC (Then you might be able to get enough point to get yourself sufficient airmiles / points to use).

can la, at least downpayment also good enough..

i.e. proton has a certain limit say few k's

but even that few k's also good enough for points ma