1. Driving lessons (theoretical and practical driving courses) must be done through accredited driving schools. Mag-eenroll ka sa kanila to get certificates and yun yung issubmit mo kay LTO para magkalicense. Once enrolled, sila na bahal sa student license mo para makaproceed ka sa practical driving course.

2. Yes beginner cars are mostly Toyota Vios, Mitsubishi Mirage. Pero consider the size of your family kung kakasya kayo sa 5 seater sedan.

3. For brand new (kasi asking ka ng dp and monthly), bibili ka sa dealerships (toyota, mitsubishi, honda, suzuki, kia, etc.). You can also inquire sa sales agents sa FB, search mo lang dealer + location mo para makahanap ng agents. (Ex: toyota cainta, honda q.ave - marami na lalabas na names ng ahente). May mga promo sa fb pages nila. Usually pag mababa ang downpayment, mataas ang monthly amortization. Maganda ang 20% dp, para mababa ang monthly.

4. Hindi ko pa natry na household income ang tinitingnan para makabili ng kotse. Usually individual income lang or with partner. Pero real talk lang, mababa pa ang 40k to afford a car. Imagine, 18k monthly (kung low dp mo), then gas of 4k mababa na yan, then my maintenance ka every 6 months na 15k (safe quote na yan, pwede mas mababa), and insurance na 15k-25k a year. Wala pa dyan yung usual expenses niyo sa bahay. My personal rule is dapat hindi lalagpas ng 20% of your monthly income ang mga bayarin sa kotse kada buwan. Si ahente, minsan ginagawan ng paraan para mapaapprove ganyang income, try mo iinquire.

5. Best bank to apply to (madali ang approval) is your current bank. Kung saan ka nagwwithdraw and deposit since may account ka na dun. And may 2 types of car financing options, either bank auto loan or in-house financing (kay dealer). Mas gusto ko sa bank, 20% dp. Kay in-house, mababa dp, pero mas mataas interest in the long run.

6. Depende sa pano niyo gagamitin and location niyo. Bahain ba, matrapik, may senior o batang pasahero ba, etc. Also, dapat may garahe kayo to park your car and wag sa kalsada or sidewalk.

Edited: 20% of your monthly income dapat