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

[tsik_r2d2]

Anyone from RCBC or knows someone from RCBC who can provide 23% bank financing?
Thanks!

[riseku]

inquire lang po ano po ang mas mababa ang interest sa in house car financing o sa bank financing,sabi kasi ng agent sa in house na lang daw.thank you po....

inhouse? kasi mas flexi sila

[Query453]

Ask ko lang.. may idea ba kayo ng bracket ng rates ngaun? Ung mga posted ba sa sites ng mga bank reliable? Naginquire kasi ako via email sa iba ibang banks, pero wala bumalik pa sa akin na quote except dun sa bank na may account ako.

Nagpaquote ako sa Chinabank, 27.27% pag 5 yrs to pay. Hindi ko pa macompare sa iba kasi nasa abroad aq. Pero ung 3 yrs nasa 14.78%, okay na kaya na deal un sa ngaun?

Parang sa mga nakikita kong posts ang bababa ng rates


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[ReggieMar]

I got this Low Downpayment sa Hyundai na 58K for Grand Starex TCI 2.5 M/T 10 seaters ask ko lang po is possible ba sa Bank Financing ang ganyang downpayment?

[aioshin]

I got this Low Downpayment sa Hyundai na 58K for Grand Starex TCI 2.5 M/T 10 seaters ask ko lang po is possible ba sa Bank Financing ang ganyang downpayment?

Yung mga low down payment, bank financing pa din yata yan, thru their bank partner. Not the usual 20% if direct ka sa any bank mag apply. The cons is, you will be paying higher monthly because the financed amount is higher.

[Gumusut_Amige]

Ask ko lang.. may idea ba kayo ng bracket ng rates ngaun? Ung mga posted ba sa sites ng mga bank reliable? Naginquire kasi ako via email sa iba ibang banks, pero wala bumalik pa sa akin na quote except dun sa bank na may account ako.

Nagpaquote ako sa Chinabank, 27.27% pag 5 yrs to pay. Hindi ko pa macompare sa iba kasi nasa abroad aq. Pero ung 3 yrs nasa 14.78%, okay na kaya na deal un sa ngaun?

Parang sa mga nakikita kong posts ang bababa ng rates


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this deal is already very good... bale 4.76 per annum.
just check with them if this is the effective interest rate.

[Work4HRP]

inquire lang po ano po ang mas mababa ang interest sa in house car financing o sa bank financing,sabi kasi ng agent sa in house na lang daw.thank you po....

better sa bank ka nalang sir.. it would be a worst experienced in Toyota Financial Services

[tehdi]

better sa bank ka nalang sir.. it would be a worst experienced in Toyota Financial Services

Hi mga sir newbie here. I am planning to get Fortuner G MT. I was already approved in RCBC and below is the loan terms approved by bank (right side) and left side is quotation from dealer (Toyota Financing Services)

1.592M SRP: 1.592M
400K DP: 400K
60 mos Term: 60 mos
1.192M Loan Amount: 1.192M
25,005 MA: 25,581
25.85% Interest: 28.76%
10,800 (Free) LTO: Not mentioned*
39,066 Insurance: 33,267
40,008 CM Fee: 23,617
(60,000) Discount: (90,000)
419,074 Net Cash Outlay: 366,884

If we sum-up the foregoing options
a. TFS:
MA 25,005*60=1,500,300
Plus initial cashoutlay: 419,074
Total payments: 1,919,374

b. RCBC:
MA 25,581*60=1,534,860
Plus initial cashoutlay: 366,884
Total payments: 1,901,744
Plus LTO registration*: 10,800 (approx based sa dealer quote)


*From what I understand, if I opt bank financing, kami magpaprocess ng LTO kaya walang nilagay si RCBC na amount, tama po ba? So additional cash payment ito from us?

According sa bank, same freebies pa din naman daw makukuha as offerred by the delaer.

And according sa SA from dealer, same din daw freebies ibibigay even if we opt bank financing. Hindi po alam ni SA na may approval na ako sa bank. As per my observation hindi naman gano nagkakalayo ung figures. To be honest, I want convenience kasi right now nasa abroad ako and this coming January uuwi ako gusto ko sana marelease na ung unit before ako umuwi or during bakasyon ko. I think more convenient if in-house nalang ako kukuha based sa foregoing? Please give your insights mga sir.


Maraming salamat!