Help: First time car buyer.

**zeus17** · October 19th, 2007 07:30 AM

Originally Posted by tph

bro kung fresh grad ka san ka kukuha ng ITR na isa sa main requirement for an auto loan.

sir 2 years na ako sa colcentr industry..may itr na po ako...working stud kasi hakhak..

**zeus17** · October 19th, 2007 07:36 AM

Originally Posted by wildthing

^^if you paid your taxes before this April 2007, merun ka ng ITR. Talk to our office HR.

*zeus17,

When you said an "old bug" do you mean a VW bug? Wow that would be great, pero AFAIK the parts are more expensive than an oldschool toyota or mitsubishi.

Alternatively, why not buy an oldschool ride - toyota (dx, starlet, macho machine, celica) or mitsubishi (lancer EL, lancer box type). A running one will be between P30-80K depending on the condition of the vehicle.

Sir salamat naiicip ko din na mas maganda nga un..kaso di ko mahanap ung mga kotseng un..at tpid po ba un sa gas at maintenace?

kaya po kasi ako bngh2nap ng sasakyan kasi 3am pasok ko at sa Tiendisitas pa..ala commute kundi taxi araw arw...

tingin nio po...

my ITR naman po ako..

**Syuryuken** · October 19th, 2007 09:25 AM

Originally Posted by zeus17

Sir salamat naiicip ko din na mas maganda nga un..kaso di ko mahanap ung mga kotseng un..at tpid po ba un sa gas at maintenace?

kaya po kasi ako bngh2nap ng sasakyan kasi 3am pasok ko at sa Tiendisitas pa..ala commute kundi taxi araw arw...

tingin nio po...

my ITR naman po ako..

Get a Kia Pride CD5 or GTX

http://tsikot.yehey.com/auto-classif...cat.php?cat=19

**zeus17** · October 19th, 2007 09:58 AM

Originally Posted by Syuryuken

Get a Kia Pride CD5 or GTX

http://tsikot.yehey.com/auto-classif...cat.php?cat=19

salamat sir sa link..kaso po ang problem ko for now is jow to get it financed or get a car...

kaya po iam looking for any financial loans that would or might help me...
i could shell out maybe 4-5k a month..ung minimal requirements kasi pang gabi work..antok sa umaga..d makapag lakad ng madaming requirements/...

**wrcastro_ph** · October 19th, 2007 10:15 AM

try to do a personal na lang. For that 5k+ budget, you can get a 100k loan (depends on your salary bracket and take home). ang hulog nyan ay within your budget. HSBC or BDO ang i try mo.

Pero kung 100K lang ang budget mo sa car ay masyadong maliit para makakuha ka ng maayos-ayos na sasakyan. Make it double and you can get more decent car.

**shadow** · October 19th, 2007 10:26 AM

*TS, kapag nag car loan ka whether brand new or 2nd hand car, meron ka pa rin cash out...equity, chattel mortgare, insurance etc, hinde namna sasgutin ng mga bank 100% purchase price....

so better kung makakhiram ka sa parents mo....

**_Qwerty_** · October 19th, 2007 10:34 AM

wag car loan.. di ka ma a approved nyan.. tapos 2nd hand pa..

i suggest you get the cheapest 2nd hand car you can find.. the KIA pride is a good choice..

then go to BDO.. they offer one of the lowest interest for a personal loan with a maximum of 300T.. like 1% per month interest.. and you get approval in 7 days.

**zeus17** · October 19th, 2007 10:35 AM

Originally Posted by wrcastro_ph

try to do a personal na lang. For that 5k+ budget, you can get a 100k loan (depends on your salary bracket and take home). ang hulog nyan ay within your budget. HSBC or BDO ang i try mo.

Pero kung 100K lang ang budget mo sa car ay masyadong maliit para makakuha ka ng maayos-ayos na sasakyan. Make it double and you can get more decent car.

ganun po ba kahit ung mga below 1ook n cars na naka post dito hndi maganda?
di po ako nagh2nap ng pangporma..ung pang transpo lng kesa sa i pangtaxi ko arw araw...bili n lng ng sarili db?tyama po ba?

saan po kaya maganda at papasa po kaya ako dun?sa personal loan at di po kaya ako mabigatan masyado nun..Fami9ly of 3 lng kami..16k ako a month.