Help: First time car buyer.

**albert_b** · October 26th, 2007 08:28 AM

I agree with devdevlin and shadow.

Better save up for a car na konti ang sakit ng ulo na ibibigay sa yo. Baka sa pagmamadali mo eh ang makuha mo medyo madami palang hidden na sira or malapit ng masira. Kung pwede nga brand new kung wala kang time to look for good second hand cars.

Mabilis pumili kung brand new p're, pero kung second-hand (third/fourth-hand) unless galing ito sa isang pinagkakatiwalaang kakilala, it will take time... a lot of time. kailangan mong maghanap sa mga buy and sell (

), magbabad sa mga sites, magpahanap sa mga kakilala o baka door to door? haha. Matagal talaga ... I remember dati it took me 6 months just to find my first car.

100K ... 200K ... 500K ... these are not small change, if ipangbibili mo lang siya sa isang unti-unting nababaklas na sasakyan eh naku naman

asset ang personal na sasakyan pero liability din ;-)

**lushh** · October 26th, 2007 03:24 PM

check out this link:

http://www.bdo.com.ph/Loans%5FPerson...sonal_loan.htm

hope this helps. if in case you won't get approved, why don't you ask your parents to apply the loan for you? parang dummy lang...

**_Qwerty_** · October 26th, 2007 03:37 PM

based sa experience nang mga friends ko.. 50% to 70% lang nang applied amount ang ni a approved dyan sa BDO personal loan.. so kung mag loan ka nang 100T.. baka 50T to 70T lang i approved.. depende pa sa CI nila..

**lushh** · October 26th, 2007 04:19 PM

ganun? kahit maganda yung credit history?

**Horsepower** · October 27th, 2007 02:23 AM

Smooth is right.

Charade ka muna. at least mura, and it gets you from pt A-B.

I understand this is your first car, at least, pwede mo pang crash-car itong charade. Medyo inevitable kasi na masagi ka at makasagi pag first timer.

**zeus17** · October 27th, 2007 07:23 AM

Originally Posted by Horsepower

Smooth is right.

Charade ka muna. at least mura, and it gets you from pt A-B.

I understand this is your first car, at least, pwede mo pang crash-car itong charade. Medyo inevitable kasi na masagi ka at makasagi pag first timer.

salamat po sa payo heheheheh ipon muna...

**zeus17** · October 27th, 2007 07:26 AM

mga sir asko ko na din meron kaya ako mapapagbilhan nung charade na ok...

at may magbebenta ba nun ng installment basis?

**afrasay** · October 27th, 2007 09:04 AM

Marikina- Tiendesitas? Mas makakamura ka pag taxi and at 3am wala na din traffic nun. How much is your taxi fare back and forth? Kahit maka mura ka sa gas or break even lang, sa maintenance ka naman madadale pag may car ka. Pag brand new yun pang down and monthly, pag 2nd hand naman yun maintenance. Minsan kasi nananahimik ang pera mo sa wallet tapos biglang may need na pagawa ka, no choice. I'm not discouraging you to buy a car but feeling you now eh mukhang dead set ka on getting one. Napaka convinient din pag may car ka, that is if well maintained ito. Maraming kang makukuhang tips here on what to look for in a 2nd hand car. Mag lurk ka sa mga car clu website para malaman mo mga kinks sa armor nun propective na unit mo. Don't rush.

**zeus17** · October 27th, 2007 10:23 AM

Originally Posted by afrasay

Marikina- Tiendesitas? Mas makakamura ka pag taxi and at 3am wala na din traffic nun. How much is your taxi fare back and forth? Kahit maka mura ka sa gas or break even lang, sa maintenance ka naman madadale pag may car ka. Pag brand new yun pang down and monthly, pag 2nd hand naman yun maintenance. Minsan kasi nananahimik ang pera mo sa wallet tapos biglang may need na pagawa ka, no choice. I'm not discouraging you to buy a car but feeling you now eh mukhang dead set ka on getting one. Napaka convinient din pag may car ka, that is if well maintained ito. Maraming kang makukuhang tips here on what to look for in a 2nd hand car. Mag lurk ka sa mga car clu website para malaman mo mga kinks sa armor nun propective na unit mo. Don't rush.

hay uu nga sir.....parang naiicp ko tuloy ambisyoso ako..huuhuhuhu
hay....

**afrasay** · October 27th, 2007 10:33 AM

di naman ambisyoso. gaya ng sabi ko napaka convinient pag may car, until traffic, mechanical failures, floods, accidents, high gasoline cost comes in. pag naka public transport you just simply get off and ride another one. malapit na nga akong mag commute sa taas na gasolina, I spend almost 500 php a day for gas from marikina-makati-sampaloc-qc and back to marikina. Pero looking at the time na ma save ko it's worth it naman... or do I just justify it? yun sabi kong don't ruch doesn't apply to all, minsan may ma-tiyempohan ka na ok mechanically and mura pa, that's the time to rush. ;) goodluck.