OH God... dame.. dude i would not recommend you this option why would buy a car finance by banks.. one of my friend went through horrible experience even i .
bahi jan.. 40% overall car ap ko mehngi parti hey 35k thousand ap ke salary and you want to fiance your car ..ager kabhi koi prob hoi payment nai kar sake..bank Jeena haram kar de ga..
dude its pakistan..
and staright forward baat... why you need brand new XLI?? with such a low income ???
mine is allhumdullilah above 100K and i have only choti moti chevy car..never ever tried to loan although i have couple of credit cards but never tried the loan i . Sood.. interest main barkat nai..
my friend..bought 2010 Civic some years ago and start main 2 year tak payment set rahi..but due to some conditions he lost his job phir bank waloo ne jeena haram kar dia..tha..ended up payed 10 lac and still car wapis karne par gae..
My honest suggestion "sood staright allah se jang hey " sood main barkat nai.. kabhi trouble agae..literally bank wale jeena haram kar de.gey...i had worked for Bank Al habib.. Collection department i saw people did suicide literally collection department.wale they said..maroo ya Geo bank ko paisoo doo! I am not lying..kabi Collection department main kisi kam se jaoo listen there calls.you would astonish how cruel they are.. thats why BANK ke JOB haram hey unless koi sakth majboori na hoo!
rest your choice..
god Bless you!