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  1. Join Date
    Oct 2002
    Posts
    40,038
    #41
    Quote Originally Posted by Syuryuken View Post
    Either inhouse or Bank PO si bank pa rin mag-aapprove. kung si ahente nag-aayos sigurado may cut pa ring ilang percent mas maganda pa ring ikaw ang maglakad.
    Kung incomplete papers. Ahente na rin gagawa ng paraan. 🤣

    Tapos offer pa nila 100% approval. Hindd kaya ng employee ng banko yan.

    Meron kayang kasabwat din mga ahente sa loob ng banko?
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    Last edited by shadow; April 9th, 2018 at 10:16 AM.

  2. Join Date
    Oct 2006
    Posts
    5,641
    #42
    May 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.

    Sent from my MI 3W using Tapatalk

  3. Join Date
    Apr 2018
    Posts
    23
    #43
    Sa PNB may promo libre insuranc

  4. Join Date
    Mar 2008
    Posts
    52,514
    #44
    Quote Originally Posted by innovauser View Post
    Sa PNB may promo libre insuranc
    the compre (1 year only?) or the tpl (3 years) ?

  5. Join Date
    Apr 2018
    Posts
    18
    #45
    in-house financing is way too much...

  6. Join Date
    Jul 2009
    Posts
    3,604
    #46
    Quote Originally Posted by geraldalcos View Post
    Pag po ba bank financing, may mga free din ba like, LTO reg, insurance, mortgage, yung mga tint, mat, etc?

    Mga magkano kaya total nyang mga freebies ng in-house?
    Tint... 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

  7. Join Date
    Dec 2006
    Posts
    17,316
    #47
    Quote Originally Posted by geraldalcos View Post
    Thanks sir. In-house kasi ako para sure approve (?). Kahit papano alam ko na kung magkano yung mga free pangcompensate sa interest.

    Pede ba ipaulit in case di maganda pagkakabit ng tint?
    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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  8. Join Date
    May 2006
    Posts
    1,668
    #48
    Correction: for the car. Ü

    Sent from my ONEPLUS A5000 using Tapatalk

  9. Join Date
    Dec 2006
    Posts
    17,316
    #49
    Quote Originally Posted by geraldalcos View Post
    Nakagpareserve na po ako sa dealer/inhouse (I already gave 10k reservation fee). Mareretract pa po ba yun and sabihin nameng magbabank finance na lang kame?
    Meron kasi kameng existing na loan (house) sa bank namen, so medyo nagdadoubt kame kung maapprove kame through bank finance. Eh sa inhouse kasi mukang sure na approve.
    Kaya pa naman po namen ng isa pang loan (yun nga lang di pa namen tinatry).

    Thanks!
    Yes, you just write a letter retracting your reservation. They usually issue you a check around 2 weeks to a month afterwards.

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  10. Join Date
    May 2006
    Posts
    1,668
    #50
    Maybe use another bank?

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