I am planning to buy my first car. I am on a tight budget so I want to be wise and practical in choosing.

Which option is the wisest? (Given a budget of 300k to 400k cash)

1. Cash - a 5 to 10 year old second hand sedan
  • Lancer EX - GTA or M/T?
  • Civic FD


2. Finance - brand New sedan (40 to 50% DP)
  • Honda City E CVT variant
  • Corolla Altis G M/T
  • Hyundai Elantra Base M/T


3. Finance - a 2 to 4 year old second hand sedan (50%+DP)
  • Lancer EX
  • Corolla Altis
  • Hyundai Elantra
  • Mazda 3 (though, i head mazda's maintenance isn't cheap)


4. Finance - a 700k to 800k second hand SUV/Pickup (50% DP)
  • Montero Sport
  • Dmax
  • Navara
  • Fortuner


Considerations:
1. Hindi masyadong sakit sa ulo (since its my 1st car)
2. Low to mid maintenance cost

Use:
- will just use on weekends and road trips

Additional question: Wiser ba bumili ng 2nd hand MT than a 2nd hand A/T?

Any opinions aside from the list above is open. Thanks in advance!