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question regarding bang auto laons

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hello mga ka tsikot first time to post wanting to have a clarification,balak namin bumili ng montero glx m/t probably by next month,nagapply na ko sa psbank auto loan yesterday and i was approved today.their rate is 29% for 60 months.mababa compared sa nabigay na rate ng mitsubishi.ang kaso merong promo ngaun ang mitsubishi na 50k discount tapos free insurance free lto and free chattel which is hindi naman kasama sa bank auto loan.i calculated the total expense in 5 years and almost the same lang actually wala pa atang 5k ang diperensya.eto ung rough calculation ko.psbank autoloan = 239k dp based on 20% tapos 20,600 in 60 months hindi pa kasama ang insurance chattel at lto.then mitsubishi offers 140k down all in then 23,800+ ang 60 months.kung sana eh free yung insurance chattel and lto sa bank mas ok.hindi ba na leless yung promo na 50k pag bank p.o?TIA

sorry sa title its bank not bang hehe

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