Salam
Now that you are asking our advice please read carefully.
Spend what you have in your hand. Stay away from bank its utter lanat. Whatever you have in hand buy it inshallah allah will give you 3 times 19 lakh in these five years.
Staying away from bank is the most beautiful thing i did to me when getting my first ever car and i still thank my gut feeling for not choosing bank. I have learned from my elders by not going down the bank line.
Please.....Stay away from bank.