i agree with you flor1212

much better to take personal loan and buy used car one that is at least 1-2 years old. some savings on automatic depreciated cost of a new one upon driving out from showroom. but be careful on buying used one, many bad drivers in qatar.

advantage is if needed to dispose car can easily be made into cash and payback salary loan.

personal note:
i used to take a personal loan and car loan altogether and it was a huge headache on my part :( i hope no one else will fell again on the same fitfall ;)