Good day mga tsikoters

cash price: Php1188000
DP 20%: Php237000
Amount finance: Php950,400
48mos: Php25,063 26.58% daw
isurance 90days pdc: Php35,000 w/AOG
3yrs Lto reg. Php10,500
Chattel Php 20,000
Total Php303,100
Cash discount Php45,000
Total Php 258,100 cash out less Php35,000 pdc for insurance
Total Cash out Php223,100

Freebies: bedliner, ang alam ko it comes with the unit
raingutter, 3m tint, S.D. card for navigator worth 10k daw po, seat cover titingnan pa, help po if this is a good deal? or fair? can it go lower? what if i pay 30% down will it help much? tnx in advance po