i went to honda and toyota as well. for that budget you can get the altis G at 30% dp tpos 60 months amortization pasok na pasok yun budget mo. toyota gives as much as 50K discount sa DP so parang lumalabas libre na yun insurance, LTO, at chatel.
for the civic 1.8S, medyo mahirap yun work around sa budget kase mas mahal. SA told me that honda is not offering any discount on the civic kse bago model pa. usually they give them out after 4 years or so. so mabigat tlga dp kse you have to shoulder the insurance, LTO, and chatel on top of the DP. sa budget na binigay mo pwde 20% dp for 60 months din pasok din naman sa budget, but banks may be hesitant to approve the loan kse maliit yun DP tpos masyado matagal yun loan period. pero who knows kng makikita naman cguro ng bank na good credit ka approve naman cguro yun.
i have the same delema as you kasi, pinagpipilian ko civic at altis
