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Newbie on car / Please help!

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Good day! I got a lot of question on buying cars (bnew/used)

1st which is better deal
bnew 2015 Montero GLX MT (1.2m) with freebies or repossessed car from bank 2015 Montero GLX M/T (910k) with 5k milage?

2nd what is chattel mortage fee and TPL freebies on bnew car? do i need it when i buy used cars?

3rd when i buy secondhand cars or repossessed cars, what are other expenses? also how much do i need to pay for VAT, Transfer tax, deed of sale and other documents?

4th when buying bnew cars, do i also need to pay for VAT, Transfer tax, deed of sale and other documents?

Thank in advance

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