Using BYD Atto 3 take 9 Year Full Loan (0 deposit) & 2.8% interest

Car value                           Loan balance
Year 0: RM149,800             RM149,800
Year 1: RM100,000             RM134,700
Year 2: RM78,000               Rm119,300
Year 3: RM54,000               RM103,500
Year 4: RM38,000               RM87,000
Year 5: RM30,000               RM71,000

9 years is actually okay for a finance savvy person when the cash you saved is invested and you make sure the returns per annum are more than the interest of the loan, at the end of the tenure you use whatever you generated to pay off the car or used in an emergency.

Then again how many Malaysians here are financial savvy