First time buying a car

[dr. d]

Good day. gusto ko lang din po sana magseek ng advice, 1st time buyer lang din po. Plan ko po kasi bumili ng basic car for daily drive lang sa office. Recently lang din po ako natuto magdrive and mas prefer ko ang AT. I am eyeing on a Celerio or Mirage G4 as they are fuel efficient and due to budget constraints. Iniisip ko rin po if okay ba bumili sa bank (repo cars)? I saw 2018/2019 mirage g4 on sale sa east west bank around 450-500k na nasa 3-4k lang ang mileage.. or mas better kung brand new na celerio na lang? Thank you in advance.

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what is your cash budget, po?
with a little luck and some pasensiya, 450K can already get you a good-condition, used innova diesel, altis or vios.
and because of the price of diesel fuel, a diesel innova can give them minicars a run for their gasoline money.

re-possessed cars are used cars. be aware of all the bewares thereof.

"get a toyota". parts are reputed to be easier to source, from the casa as well as from non-casa.
buy from actual owners. they are more pleasant to talk to, they probably know more about the merchandise than bayan sellers or banks, and they may agree to more significant tawads.

repossessed cars are, just like any used car, always a gamble. moreso if one does not know how to evaluate a used car.
also, keep in mind that the sale price of bank-repossessed cars, includes only the car, on as-is-where-is basis. anything else, including paperworks, you may have to pay for.
there are several stories of repossesed car woes here in tsikot. peruse them and be afraid... and be careful.
pay a mekaniko to go with you. he probably knows more than you, in evaluating cars.

[Gn570p]

Mga boss,

May nagpapatanong na kakilala ko po.

Which is better daw po, wigo or celerio? Both manual transmission and city driving lang daw.

He is also planning to buy a car din kasi.

[dr. d]

Mga boss,

May nagpapatanong na kakilala ko po.

Which is better daw po, wigo or celerio? Both manual transmission and city driving lang daw.

He is also planning to buy a car din kasi.

i have a five-year old wigo AT, with over 45K on the odometer.
no issues and nothing significantly significant that needs fixing.
get the automatic. it is not that much more expensive than manual. hindi ka magsisisi.

try them both out, and see which car you are more comfortable with.

[liez.m]

what is your cash budget, po?
with a little luck and some pasensiya, 450K can already get you a good-condition, used innova diesel, altis or vios.
and because of the price of diesel fuel, a diesel innova can give them minicars a run for their gasoline money.

re-possessed cars are used cars. be aware of all the bewares thereof.

"get a toyota". parts are reputed to be easier to source, from the casa as well as from non-casa.
buy from actual owners. they are more pleasant to talk to, they probably know more about the merchandise than bayan sellers or banks, and they may agree to more significant tawads.

repossessed cars are, just like any used car, always a gamble. moreso if one does not know how to evaluate a used car.
also, keep in mind that the sale price of bank-repossessed cars, includes only the car, on as-is-where-is basis. anything else, including paperworks, you may have to pay for.
there are several stories of repossesed car woes here in tsikot. peruse them and be afraid... and be careful.
pay a mekaniko to go with you. he probably knows more than you, in evaluating cars.

Thanks for your advice sir.

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[SaMon]

Sir, ask ko lang po kung ano ang dapat gawin.

Ganito po ang scenario:
First. My Dad applied a car loan then the car was named and registered under my name. Is there any problem that will occur in the car loan of my father?

Second. My Dad applied a car comprehensive insurance on the same establishment but the insurance was under his name and not mine (registered owner of the car) because it was his name in the car loan. What will happen in the insurance that my Dad applied for? Is it applicable for me as the owner of the car?

P.S. The car was already registered under my name in the OR/CR given by the LTO.

Please help me! Thank you!

[ninjababez]

Sir, ask ko lang po kung ano ang dapat gawin.

Ganito po ang scenario:
First. My Dad applied a car loan then the car was named and registered under my name. Is there any problem that will occur in the car loan of my father?

Second. My Dad applied a car comprehensive insurance on the same establishment but the insurance was under his name and not mine (registered owner of the car) because it was his name in the car loan. What will happen in the insurance that my Dad applied for? Is it applicable for me as the owner of the car?

P.S. The car was already registered under my name in the OR/CR given by the LTO.

Please help me! Thank you!

contact insurance provider / ahent and update contact info
baka mahirapan kayo pag kinailangan na mag claim.

[sirkosero]

Sir, ask ko lang po kung ano ang dapat gawin.

Ganito po ang scenario:
First. My Dad applied a car loan then the car was named and registered under my name. Is there any problem that will occur in the car loan of my father?

Second. My Dad applied a car comprehensive insurance on the same establishment but the insurance was under his name and not mine (registered owner of the car) because it was his name in the car loan. What will happen in the insurance that my Dad applied for? Is it applicable for me as the owner of the car?

P.S. The car was already registered under my name in the OR/CR given by the LTO.

Please help me! Thank you!

Hirap magclaim nyan. Magkaiba details ng registration and insured.

Tell your dad, be consistent

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[dr. d]

Hirap magclaim nyan. Magkaiba details ng registration and insured.

Tell your dad, be consistent

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my guess is, "someone from the bank advised it".
but yes, it does look confusing.

[17Sphynx17]

my guess is, "someone from the bank advised it".
but yes, it does look confusing.

Actually, alam ko nga bawal yung iba pangalan ng nagloan sa gagawin registered owner ng car, especially ngayon na may KYC ang banks required na gawin.

Pwede siguru sana ginawa ng dad is pangalan ng anak niya yung loan, co maker or guarantor siya.

But since ganyan supposedly nangyari, am doubtful makaclaim sila kung may mangyari habang hindi naayos yung papeles on the insurance side kasi lumalabas yung insurance policy is for a car under dad's name pero ang lalabas na claim nila is for a car under son's name.

Kausapin na lang nila insurance since andun na sa point na yun. Pero weird na nakalusot na ganyan. Alam ko bawal sa banks yan e.

[Little Missy]

Hirap magclaim nyan. Magkaiba details ng registration and insured.

Tell your dad, be consistent

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True. Nung kumuha ako sa moneymax ng insurance, hiningan pa ako ng affidavit kasi sa CR kulang ng isang letter yung name ko di na kasi kasya. Dinispute ko sabi ko obvious naman na ako yun and yung reason bakit kulang ng letter. Sabi sakin para lang daw sigurado na hindi magka issue sa pag file ng claim. Isang letter lang yun ah.

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[dr. d]

True. Nung kumuha ako sa moneymax ng insurance, hiningan pa ako ng affidavit kasi sa CR kulang ng isang letter yung name ko di na kasi kasya. Dinispute ko sabi ko obvious naman na ako yun and yung reason bakit kulang ng letter. Sabi sakin para lang daw sigurado na hindi magka issue sa pag file ng claim. Isang letter lang yun ah.

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you have to understand their side.
naninigurado sila, in case may mag-complain.

OT.
our high school teacher says the only difference between his nbi record and an ex-convict's, is one letter.

[Little Missy]

you have to understand their side.
naninigurado sila, in case may mag-complain.

OT.
our high school teacher says the only difference between his nbi record and an ex-convict's, is one letter.

Yup, baka may experience sila na ganun. Just saying na yung little discrepancy nga na ganun napansin nila, all the more yung totally ibang pangalan.

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