Bro, if you can afford it, why not use that amount for a downpayment for a new car? When I bought mine, my cash out is just about the same. You can buy the Getz for that amount and if the promo is still active, your LTO, Chattel and Insurance is already all in.

It comes with 5 years warranty plus a decent fuel consumption. I am not quite sure about the other cars out there(old ones) if their FC is still as good as when it was new. To my knowledge the FC change if the vehicle is older.