actually i kinda agree with sang yi, max loan rm32k - rm35k i've checked with the bank. jacky best price is rm58k, then we need rm26k of downpayment. takashi i hope u understand a year 1996 civic. its a 10 years car. if u keep it till 2007 its a 11 years car, loan guide will drop till rm20k+ next year. by the time u need rm30k+ of downpayment do u think u can manage to sell it off? thats the fact that u cant deny. No hard feelings ya. good luck for u in selling ur civic. cheers.