I agree with bro renzo's post. I suggest you save up some more for the downpayment, or maybe ask your wife to release some more funds so that you will not be wasting so much on interest. Imagine naman... You will be paying a total of over 1M for a base model subcompact hatch. Samantala that kind of money could've gotten you a midrange to top of the line compact sedan when paid in one go.

Pero between the two, might as well get the Swift. That is, assuming that this car is for keeps and also that you are not bothered by Suzuki's rather sparse dealer network.