AY, from the looks of it mukhang first love mo Grand Livina, ah. If you can ensure that there will be stability in your income for the next couple of years, then you can take the risk HOWEVER do take in mind that anytime in the future you can lose it as well.
Yung PA, medyo malaki laki din ata interest diyan. But depende pa rin sa bank.
You can also get a second hand livina, some accept financing naman altho' the interest will be higher than 2nd hand cars ATA.
mahal interest ng used car, umaabot ng 15% p.a, atleast 30% down pa and up to 3 years lang... at siyempre kasama mga gremlins na di sasabihin sa yo...kaya out ako sa financing ng used car..papaquote me at papaaprove muna din sa mga dealers na kinokonsider ko: nissan, toyota, honda, suzuki, kia and subaru...while i sell out my xtrail...pero kung makakakuha ng non-collateral personal loan, save na xtrail ko...
yup like ko livina, lalo na ung 6MT ever since i driven one na pinahiram ng NMPI.. 3/4 tank (around 40 liters) from proj.6 to pansol back to proj. 6 then to palayan city NE and back to proj.6 via sctex... matulin (pinigil ako * 180-190kph, may ibibilis pa...nakahanda lang kasi ung crocs ni esmi sa batok ko) matipid (80kph *1500 rpm, 100kph*1800-2000rpm)..and locally, its the closest car na kamukha ng exiga!
since your needed amount is between 50K to 150K, sell the xtrail and buy a 5 year old subcompact. they are selling at 300K to 400K currently. If you can sell the xtrail for 500K you will have enough start up capital without going into too much debt. when cash flow has improved, you can sell the subcompact and get the brand new car of your choice.