'02 mit. Pajero fieldmaster for financing!?!?

**topgearboy** · December 15th, 2012 09:47 AM

Good day po mga boss!!

We're planning to buy a 2nd hand car sana march next year. Our top choice is a '99-'02 Pajero FM. Our budget is 500k, pero gusto sana namin ipasok sa financing para di masyado malaki ilabas namin. Kung brandnew naman kasi masyadong maliit na yung makukuha namin for that budget.

Anu po sa tingin nyo?? ok pa ba mag-financing kapag 10yrs old & above na yung sasakyan?? TIA!

**GTi** · December 15th, 2012 11:27 AM

Originally Posted by topgearboy

Good day po mga boss!!

We're planning to buy a 2nd hand car sana march next year. Our top choice is a '99-'02 Pajero FM. Our budget is 500k, pero gusto sana namin ipasok sa financing para di masyado malaki ilabas namin. Kung brandnew naman kasi masyadong maliit na yung makukuha namin for that budget.

Anu po sa tingin nyo?? ok pa ba mag-financing kapag 10yrs old & above na yung sasakyan?? TIA!

Depends on the financing deal. AFAIK, older cars tend to have poorer deals.

But if I were you, I'd just negotiate as much as possible and get it over with already. If I am having difficulty with producing the money, or need the money for other more pressing purposes, I'd hold off the purchase for a while. Resale of 2nd hand cars go down not up, and its a buyer's market. We are at the advantage here.

**Gerbo** · December 16th, 2012 03:25 PM

Car loans are like 5-6. Automatic at least 20% ang profit ng bank, more if multiyear financing.

But its up to you, most of us will just look at the monthly amortization. If affordable, go na.

**renzo_d10** · December 16th, 2012 04:06 PM

Tama si GTi, I'd rather save up and pay the car in cash than undergo it through financing. Okay lang sana kung brand new, but for 2nd hand, huwag naman. And I don't think many sellers are open to have their product financed even if they will still get the full amount from the bank anyway.

I see you already have a Fortuner, kailangan ba malaki pa rin yung next car? Or kaya mo lang nasabi dapat ganun kasi takot ka sa mga baha? If so, andyan naman ang Suzuki Jimny.

Or, pwede ka rin tumingin at other old SUVs such as the Nissan Patrol Safari or the older Pajeros (box type) then just modify it to your likeness.

**topgearboy** · December 17th, 2012 02:53 PM

Good day po mga boss! thanks po for the replies!

*GTi: di nmn po namin patatagalin pa ung pagbabayad kasi may naka-ready & separate na po talagang budget para dyan. but we're still looking for the best deal possible.

*Gerbo: kaya nga po 12mos. lng po sana kukunin namin.

*renzo_d10: maliit po kasi talaga yung fortuner lalo na po dun sa third row! nung minsang i-try q umupo dun sa likod na nakapangbahay lng & naka-paa, halos di q na po maigalaw yung legs ko. di q po kc na-try sumakay sa likod bago namin bilhin yun. kaya nga po binenta nlng namin sa tita ko assuming balance, atleast sila tatlo lng, di kailangan ung third row. kaya po naghahanap kami ngaun & pajero nga po napili namin sa ngayon, *least un 9 seater, ok lng kahit di front-facing.

**yapoy86** · December 17th, 2012 03:43 PM

9 seater?? crosswind ata hanap mo eh...

**renzo_d10** · December 17th, 2012 05:42 PM

Innova nalang kaya. Or Crosswind Sportivo.

**topgearboy** · December 18th, 2012 09:14 AM

Good morning po! thanks for the replies!

*yapoy86 & renzo_d10: may fieldmaster naman pong 9 seater, ung side facing po. ok nga rin po sana crosswind/sportivo, kaso mas hiyang na po kami sa mitsubishi e, meron din po kasi kaming mitsu. adventure. kailangan lang po talaga namin ng mas malaki & mas may dating. Iba po kasi talaga ung Pajero eh.

**GTi** · December 18th, 2012 07:15 PM

OK yang Pajero. Ibang iba talaga sa Crosswind. Just be prepared for higher fuel and maintenance costs, lalo na kung matic siya.

Yun nga lang, mas maganda siguro kung isang bayaran nalang. Consider the significant increase in price if you do installment. Ilang buwang pang-gas yun...