Thank you for explaining how it works
I think i'll keep driving it for now then. 
If u really wanna change for watever reasons, maybe u can consider 2nd hand ride
i recently changed my mazda2 for a 2nd hand ride
Date of purchase : 18 Aug 2006
PRice of my old ride : S$ 52,588
Deposit : S$ 5588
INterest : 3.5% in Aug 06 (due to I lump my lst year free insurance of 1.6K into 7 years loan - if not, it be 2.85%)
Monthly installment : $697.00
Loaned 7 years
New Ride
Civic 1.8
Selling price to me : S$54,500
Owner Purchase price : S$ 79,000 plus plus
Date of car : 8 Aug 2007
Mileage : 34500 km
I loan : $54,000 spread over 7 years
Monthly Installment : S$ 748.00 plus plus
Int Rate : 2.28%
Overall, car in good condition, with detailed service records from KM.
Still got a bit of that new car smell.
If really wanna consider 2nd hand ride, maybe can try buying from direct owners...
It really depends on luck when it comes to purchasing 2nd hand ride, if the 2nd hand ride is not to your liking, move on to another selection...as there are quite alot of choices around...
this is my POV...pls dont flame me..
haha
thanks for viewing...