optimum financing for a car should be in 2-3yrs. anything over would mean increased interest costs which is no longer worth it. the idea is to give as big a dp you can to minimize interest.

you can use car finder (yung may graphic somewhere on top of the page) or this link for second hand units: http://tsikot.yehey.com/classifieds

490k should be ok for a 2006-2007 a/t jazz. kung 2004 dapat below 400k na yan.