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  1. Join Date
    Jun 2012
    Posts
    4,447
    #1
    ^agree. Nagbabayad na sayo tatanggi ka pa?

  2. Join Date
    Jan 2016
    Posts
    6,813
    #2
    At pag cold cash ang bayad, papayag ba ang buyer na i-hold sya for several hours or days? If I pay in cold cash, i expect you to give me my car and official receipt as soon as you finish counting it.

  3. Join Date
    Oct 2015
    Posts
    922
    #3
    ^ 1M bag dinadala namin before. Pa sweldo sa mga tao nung finance officer pa father ko. nung hindi pa uso ang atm salary.

  4. Join Date
    Jul 2007
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    57,769
    #4
    Quote Originally Posted by dishcom View Post
    ^ 1M bag dinadala namin before. Pa sweldo sa mga tao nung finance officer pa father ko. nung hindi pa uso ang atm salary.
    Exactly. Now everything is electronic so it's more practical not to lug around cash.

    Dealers do prefer MC.

    OT: In other countries they do not like cash payment especially large notes such as EUR100 or EUR500

  5. Join Date
    Sep 2013
    Posts
    2,543
    #5
    Quote Originally Posted by _Cathy_ View Post
    Exactly. Now everything is electronic so it's more practical not to lug around cash.

    Dealers do prefer MC.

    OT: In other countries they do not like cash payment especially large notes such as EUR100 or EUR500
    on the other hand car dealers in China can accept cash payment as I posted the other day. Yahoo cash is still the king of the world

  6. Join Date
    Oct 2002
    Posts
    40,599
    #6
    Quote Originally Posted by dishcom View Post
    ^ 1M bag dinadala namin before. Pa sweldo sa mga tao nung finance officer pa father ko. nung hindi pa uso ang atm salary.
    Pa sweldo yun pero hinde dala all the time. One or twice a month? Wala naman meron dalang pera para anytime pwede siya bumili ng kotse agad agad.


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  7. Join Date
    Oct 2015
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    922
    #7
    Quote Originally Posted by shadow View Post
    Pa sweldo yun pero hinde dala all the time. One or twice a month? Wala naman meron dalang pera para anytime pwede siya bumili ng kotse agad agad.


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    Yes. Twice a month yun..
    Kung gusto kang bintahan ng dealer at kaylangan nila ng binta e siguradong may paraan sila.. basta cash.. pero dahil asa electronic age na tayo halos napaka dalang ng mangyayari na cacash ang auto..

    pero ibang bansa may bag nga na 300k to 500k at card lang e kaya ng bilhin yun.. sa pinas basta may pera e pwede ka bilhan ng auto..

  8. Join Date
    Jul 2010
    Posts
    844
    #8
    Quote Originally Posted by dishcom View Post
    Yes. Twice a month yun..
    Kung gusto kang bintahan ng dealer at kaylangan nila ng binta e siguradong may paraan sila.. basta cash.. pero dahil asa electronic age na tayo halos napaka dalang ng mangyayari na cacash ang auto..

    pero ibang bansa may bag nga na 300k to 500k at card lang e kaya ng bilhin yun.. sa pinas basta may pera e pwede ka bilhan ng auto..
    Madali talaga bumili pag card. Isang swipe lang. Basta kaya ng limit mo.

    BTT: Pagawa ka na lang ng MC sa bank. Ipafax mo sa dealer before going there para pagdating mo cleared na ang check. AFAIK, good as cash ang MC so iveverify lang nila sa bank yun.

    No point of bring cash cash if there are safer means of buying.

  9. Join Date
    Nov 2005
    Posts
    7,976
    #9
    MC para wala nang kyeme kyeme. Talagang aabutin ng ilang araw from the start pumili at at mag deposit.


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  10. Join Date
    Sep 2009
    Posts
    800
    #10
    Yun uncle ko from abroad bumile ng fortuner cash. I was with them sa toyota pampanga. Nakaka kaba pag may ganoon kang dala na cash. Di advisable yun ganoon ngayon.

  11. Join Date
    Oct 2002
    Posts
    40,599
    #11
    Same effort na punta Sa bank to withdraw cash and to apply for MC. bakit kailangan pa cold cash pa dalhin sa casa unless gusto mag yabang.

    Baka Hinde naintindihan ng iba na pag sinabing cash na bumili ng kotse Hinde ibig sabihin na cold cash dapat dalhin mo yun pera parang sa palengke [emoji16] we just used "cash" loosely pag binili mo outright yun kotse without getting a loan. So kahit na MC ibayad or bank transfer "cash" pa rin tawag.

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    Last edited by shadow; February 1st, 2016 at 09:11 AM.

  12. Join Date
    Oct 2015
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    1,054
    #12
    Kung may personal check ka you don't have to get an MC, same clearing period din naman yun. Nakatipid ka pa ng P46.50

    As a side note, automatically reported ng bank mo sa AMLAC any transactions 500K up. Don't know if they share that info with BIR.

  13. Join Date
    Dec 2005
    Posts
    39,174
    #13
    Quote Originally Posted by Wh1stl3r2 View Post
    Kung may personal check ka you don't have to get an MC, same clearing period din naman yun. Nakatipid ka pa ng P46.50

    As a side note, automatically reported ng bank mo sa AMLAC any transactions 500K up. Don't know if they share that info with BIR.
    They do bro.,- I was interviewed once by a bank for a property purchase as I am getting the fund from their bank.

    L*ndyo talaga,- alam na nilang payroll account iyon (so they know the source at pera ko iyon),- aba e gusto pang bigyan ko sila ng kopya ng DOS?



    "The measure of a man is what he does with power" LJIOHF!

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  14. Join Date
    Oct 2010
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    2,639
    #14
    Quote Originally Posted by CVT View Post


    They do bro.,- I was interviewed once by a bank for a property purchase as I am getting the fund from their bank.

    L*ndyo talaga,- alam na nilang payroll account iyon (so they know the source at pera ko iyon),- aba e gusto pang bigyan ko sila ng kopya ng DOS?



    "The measure of a man is what he does with power" LJIOHF!

    28.7K _/_/_/_/_/:superhero2:_/_/_/_/_/
    i feel you bro, my branch manager once called me for "verification daw" once i deposited/transferred funds to my account. verification what? tanong ko,,, for auditing purpose naman daw ngayon as requested ng MAIN. she stopped until i send her a copy of our DOS. though wala naman daw kinalaman ang BIR doon,,,, sabi nya

  15. Join Date
    Jan 2016
    Posts
    6,813
    #15
    Metrobank ba ang banko nyo?

  16. Join Date
    Oct 2015
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    1,054
    #16
    Quote Originally Posted by CVT View Post


    They do bro.,- I was interviewed once by a bank for a property purchase as I am getting the fund from their bank.

    L*ndyo talaga,- alam na nilang payroll account iyon (so they know the source at pera ko iyon),- aba e gusto pang bigyan ko sila ng kopya ng DOS?



    "The measure of a man is what he does with power" LJIOHF!

    28.7K _/_/_/_/_/:superhero2:_/_/_/_/_/
    Sabi ko na nga ba e. Front lang ng BIR yung AMLAC. Kami bro dati hiningan pa ng RD ng SOAL. Di naman kami pulitiko last I checked. Ang hirap sa kanila ang pinipiga yung alam na nilang nagbabayad na ng taxes. Yung mga walang rehistro man lang ng business nila di ginagalaw.

    In fairness to your bank I think they really need to show documentation of the property purchase for the big fund transfer. Otherwise baka i-flag ng AMLAC as unusual and magka-investigation. I also submitted a DOS for a lot I bought, utang nga lang yun. I don't think nilaglag ka naman ng bank, talagang required lang sila magreport.

    That's why sometimes it's better (for me) to buy through financing even if it is just a small part of the purchase price. BIR will have your head otherwise. Even if you have proper documentation di naman papayag umuwi yang mga yan na empty handed.

  17. Join Date
    Sep 2006
    Posts
    143
    #17
    Quote Originally Posted by CVT View Post


    They do bro.,- I was interviewed once by a bank for a property purchase as I am getting the fund from their bank.

    L*ndyo talaga,- alam na nilang payroll account iyon (so they know the source at pera ko iyon),- aba e gusto pang bigyan ko sila ng kopya ng DOS?



    "The measure of a man is what he does with power" LJIOHF!

    28.7K _/_/_/_/_/:superhero2:_/_/_/_/_/
    A bank cannot automatically reveal transaction details to the bir, as these are covered by existing deposit secrecy laws. Bir needs to get court orders for them to be able to access bank records.

  18. Join Date
    Jan 2007
    Posts
    354
    #18
    Quote Originally Posted by Wh1stl3r2 View Post
    Kung may personal check ka you don't have to get an MC, same clearing period din naman yun. Nakatipid ka pa ng P46.50

    As a side note, automatically reported ng bank mo sa AMLAC any transactions 500K up. Don't know if they share that info with BIR.
    only if the bank finds it suspicious. if the bank who handles your account
    regularly sees you transferring amounts higher than P500k, they don't need to report it.

  19. Join Date
    Sep 2006
    Posts
    143
    #19
    Quote Originally Posted by monmendoza View Post
    only if the bank finds it suspicious. if the bank who handles your account
    regularly sees you transferring amounts higher than P500k, they don't need to report it.
    Aml requires reporting of transactions 500k and up as these are covered transactions. If the bank feels that there is a deliberate attempt to evade being reported or if they suspect something, even if below 500k, a transaction can be reported as suspicious(STR).

  20. Join Date
    Sep 2012
    Posts
    2,809
    #20
    Baka nanghihinayang sa 50 pesos service ng prepare ng MC kaya ayaw??? [emoji12] [emoji1]

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