Hi Guys I'm planning to get a car budget is at 400K, well initially 150k but decided to push a little bit more and will apply thru bank financing since I got employed in a new job which enables me to pay 10-12k a month.

So here are my options:

Toyota Vios 1.5G 08-10 - Pros: FC, Maintainability Cons: Wala masyado pogi points
Toyota Altis 1.6G 08-09 - Pros: Toyota, Pogi Points Cons: FC
Honda City 1.3 08-08 - Pros: Honda, Pogi Points Cons: ?

I prefer to get an AT since I'll use this as an everyday car and with the traffic condition now baka rayumahin ako pag nag MT ako hehe.

Hope you could help me guys, I'm used to driving pero when it comes to cars wala talaga ako alam. Your comments will surely help me in deciding on which car I'll be getting.

Thanks!!