First time buying a car

[Amirqwe]

Historically walang discount ang january. Kasi clean slate ang ahente. No incentive for them to sell more. Sa summer baka mas mataas discounts.

Usually may price increase ang january.

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D*mn. Sayang pala. Dapat hindi na lang namin hinold-off yung pagbili ngayong December. Worth it po ba na hintayin yung summer discount? Worth it in the sense na malaki yung discount (> 50k pesos)

[Amirqwe]

If flood is an issue in your area, by all means get the fortuner or Montero. Mahirap idrive malaki sasakyan? You'll get the hang of it in no time. Long term ang dapat iconsider na Mas importante kesa yung iniisip mong mahihirapan ka mag aral na mag drive ng malaking sasakyan sa early period of driving.

Isang part lang naman po yun sa lugar namin yung baha. May Manila flood rin po na kailangan isipin pero every Friday lang naman yun.

Dun sa warranty and PMS, tama sila, check the minimum requirements with your dealer so as not to void warranty. This may be x months or x kms, whichever comes first.

Hopefully, may makita kaming dealer na pumapayag sa 5000 kms or 6 months, whichever comes first. Nababasa ko po kasi na every 3 months yung gusto ng Toyota pero pag hindi naman daw mataas yung mileage, hindi sila mahigpit.

Aftermarket rear view mirror? I don't see any reason it would void warranty?

Balak ko pong iconnect sa rear tail light wire para every reverse lang yun nag-oon so baka sabihin sa akin ng Toyota na void yung warranty dahil sa electricity wiring.

About dun sa civic, I admire you for considering your family's needs first before getting the one your heart wanted.

Good luck and Merry Christmas.

Thank you and Merry Christmas to you, too.

[dr. d]

Yes. And let your frontal cortex be your guide, unless you're​ under 25 and then it's not fully developed yet.

As a post 25 year old, I would say, "Excellent! Carry on."




Am I right about the frontal cortex?
[emoji3]

you are right about the frontal cortex.

you are not right about the age group characteristics.
there are many below-25ers who have very good decision-making abilities.
and i personally know of some above-25ers, whose decision-making abilities are questionable.
merry Christmas to all.

i have said it before,
"wala pa akong nakikilalang nagsisi dahil bumili siya ng innova.

[liez.m]

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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[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.

[sirkosero]

D*mn. Sayang pala. Dapat hindi na lang namin hinold-off yung pagbili ngayong December. Worth it po ba na hintayin yung summer discount? Worth it in the sense na malaki yung discount (> 50k pesos)

50k na lang ba discount? 110k discount ng innova last november

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[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.

[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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[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.

[shadow]

Anong bank yan? Paano nagawa na ibang pangalan naka loan tapos iba name sa registration?

So sino magbayad ng loan? Yun father? Eh sabihin ng father naman anong babayaran niya hinde naman sa kanya naka rehistro?


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[ninjababez]

speaking of co-maker ..
bakit takang taka mga officemates ko na wala akong co-maker sa loan? O_o
sabi ko bakit need pa ng co-maker kung wala naman akong asawa; kahit na daw sila daw lahat (including my boss) meron co-maker.
ganun ba talaga yun?

[dr. d]

speaking of co-maker ..
bakit takang taka mga officemates ko na wala akong co-maker sa loan? O_o
sabi ko bakit need pa ng co-maker kung wala naman akong asawa; kahit na daw sila daw lahat (including my boss) meron co-maker.
ganun ba talaga yun?

it would depend on how the loan-giver sees you-the-loan-asker.
what is your financial background? your credit background?
are you a good risk, or a poor risk?

and unless i see the document supporting your friends' claims, i wouldn't believe them.