Don't offer full loan ever again. Most of people fall into the trap of buying car with full loan. Many people who take full loan they don't even have saving in their bank account. Some people who actually afford Axia with 10% downpayment but they choose to take Myvi with full loan. They thought like every month only paying 100-150 extra, in fact they can save this up for better lifestyle or paying kids education etc.

If you do not have 10% downpayment for the desire car, it mean you are not ready to buy the car yet. ALL PEOPLE who take full loan guarantee take 9 years loan. Why make your life so struggle just because of to fulfill your desire of owning the dream car.