I'd have to disagree (sort of). I spent around 3-4 months searching on Encar and various used car dealers around here, and you're not going to find too many with less mileage for 12만원. The cars that you do will probably be around 96/97 with around 200,000km+. I actually had a bunch of dealers tell me to leave if I wasn't willing to at least bump that up to 15만원. The cheapest (yet still tolerable) that I came across was a 97 Sonata III with 240,000km for 15만원. I ended up paying more to get something a little better (and safer).
Maybe a little too much for a 95 car, but not awful. (plus, OP did say "neg" which is good)
Just my opinion.