if tama "quick" calculation ko, mas mahal ng 122K yung brand new after 3 years payment.

IMO. I would always choose brand new.

Mas mataas talaga palagi ng interest for in-house financing kasi less din requirements nila compared to banks.

Actually, kung kilala ka ng branch manager nyo, you should be able to get approval from them kahit na 2nd hand yung vehicle na binibili mo.