for body and lens na ba yan?
kung body lang...
for nikon, suggest ko d80.
for canon, 40d or used 30d.
kung lens included, well, you can get the kit lenses na din and maybe another lens for low light (ie 50mm f1.8 since it's pretty damn cheap and has real good quality na din.
or you can also get the nikon d40/x or canon 400d if you really wanna get a lens better than the kit lens. but brand new, it'll cost you around 20k din at least.
also, canon has 6 or 12 months installments 0% interest now kung magccard ka.
of course, you can buy second hand sa pinoyphotography.org for some real great deals. everything i own except for my camera body is second hand and i've saved a crap load.
oh and i vote canon. hehe