Sir, parang impulse buying yan. Something that you should never do when spending a lot of cash like that. You should do more research. Check out other locations. Check other houses rin.

Problem with condos now is that most people who buy condos ay mga OFWs. So yun swimming pool and other amenities, maraming tumatambay na kamag-anak ng tenant. Tuloy, you would see a jeepney load of people swimming sa pool, parang ginawang Pansol tuloy.

I think that condos would cost 3-4M and specially sa iyo na big na family, you would get a 3 bedroom type. Houses would cost 5-6M. Ask your bank to recompute and see kung kaya pa ng finances mo.

As for the car naman, buy a practical and cheap car muna. Civic for you and Jazz for the wifey. Or go lower with Fiesta for you and I10 for the wifey.