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April 9th, 2018 11:35 AM #42May mga kalokohan din ang mga ahente eh. Naalala ko noon, nanghingi ng mga personal references. Binigay ko yung mga pangalan ng mga kaibigan ko. Yung isa kinuha lang pangalan tapos pinalitan ang contact info. Nilagay contact info niya. Para sigurado daw ang approval. Siya na daw bahala.
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April 11th, 2018 11:13 PM #44
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April 12th, 2018 12:08 AM #46Tint... kelangan suriin nang mabuti. Minsan pangit pagkagawa. Pero yung cost ng cheap tint siguro 2-3k.
Insurance, TPL is only typically 1.5k... Bank financing will require you to get comprehensive insurance (20+++k). Chattel mortgage fee alam ko 10+k yan (pero this is the value I'm least sure about).
Matting, normally they give you the cheap ones din (<2k) Mas maganda sa labas hehe.
Just to give you an idea
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April 12th, 2018 01:15 AM #47
Kahit anong freebies pa yan, malabong pumantay ang interest rate ng bank financing vs in-house financing.
On average, in-house financing will set you back 45% in interest over 5 years. Kung 1M yung loan amount mo, may interest kang 450k na babayaran.
Bank financing naman, nasa 25-27% interest for 5 years. So lugi ka ng 200k sa in-house. Para kang nagtapon ng pera.
Kahit bigyan ka ng free tint, matting, LTO, insurance, at kung anu ano pa, hindi yan aabot ng 200k.
Kung hindi ka sure na maaapprove ng banko, baka naman masyado talaga mababa income mo for a car?
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April 12th, 2018 01:58 AM #49
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Buhay na buhay ang BGC this evening. Bukas halos lahat ng restaurants. Sabi pa nung isang cashier...
Traffic!