half-hearted la bro, i shld hv waited for a couple of mths more. i m speculating that the coe will drop further. refund will be deducted 2moro, coz i am gonna settle the full downpayment 2moro.
u buy high, u sell high.
u buy low, u sell low.
diff is u dun lugi so much on bank loan as the amt u borrow is significantly lower. but i think banks will be raising interest rates soon, coz judging by the rate the new car prices r dropping, they will not be able to maintain their profit margins.