Hi guys,

This will be my first time buying a car and I want to properly plan everything. Thus, I need your advice or opinions on my items below. Thanks!

1. Dealer vs Bank Financing?
- Which is cheaper?
- Will I get freebies/discounts if I choose Bank Financing?

2. What monthly costs should I consider aside from the monthly installment payment? (disregarding tolls/fuel; will just be used during weekends)
- Insurance = XXXX.00?
- PMS = XXXX.00?
- Any other?

3. Toyota Corolla Altis G M/T VS Honda City E CVT or M/T.
I know that they're on different category. I just want to take your thoughts on which is better to get. I am currently leaning towards the Altis but still will be based on your inputs on item 2 since budget is a concern.

Thank you in advance!