car bank financing or in house car financing (innova E 2.8 Diesel)

[Red Crimson]

Share ko lang po.. Since planning to get a car also by Feb., but not Innova.. I tried quotations sa bank and in house financing.. Eto po mga analysis ko:

1. Mas mababa interest ng Bank. Though mas malaki ang DP (minimum 20%). Kung katulad ko na medyo hindi kaya ang buong 20% DP ng kukuning sasakyan, we have no choice but to go to in-house which will offer low DP.
2. Malaki nga lang ang discount ng Bank sa dealers, usually 20-40k discount.
3. Hindi kasama sa Bank loans ang paperworks (LTO registration, Chattel Mortgage, Comprehensive Insurance) while sa in house sempre kasama na nila yan All-in. Kaya tama un sabi, which is more convenient for you.



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Question lang po, may low dp din bang promo kapag bank financing?