Newbie needs help for brand new car

[edzbong08]

Badly need your help please. we are planning to buy a brand new car for our family. we dont have any idea pa kasi kung paano kasi usually 2nd hand cars lang ang binibili namin. pano po ba if cash or pano if ung DP ko is like 80% na agad ang idown ko? pano po ba ang step by step process in buying a brand new car?
Isuzu mu-x 4x2 or chevy tb 4x2???
thanks guys

[_Cathy_]

If you have 80% of the money e i cash mo na.

Pag cash transaction just tell the SA the unit you want. Bargain for freebies. Then issue mo MC. Punta ka casa release na ng auto. You will be given the invoice and receipt. You have the choice to get insurance from outside or casa.

[vintot]

First step Sir mag decide muna kayo kung ano car kukunin nyo. Then punta kayo sa dealer para tignan mismo yung car na gusto nyo. For sure mag ooffer sila sayo ng mga discount, freebies.

Punta kayo Bank mag aask ang bank kung may dealer na kayo. Merong ibang bank may kilala sila na dealer kung saan kayo makakakuha ng magandang deal. Kaya mas okay mauna sa dealer para ang bank hahanap ng ibang dealer na kayang tapatan yung offer nang pinuntahan nyong dealer.

Sa bank hingi kayo ng quotation magkano monthly basta minimum 20% dp and maximum 5 years to pay. Kaso sa bank take note di kasama chattel mortgage di katulad sa dealer. Wag kayo mag stick sa isang bank iba iba kasi mga offer nila.

[vintot]

Friend ko naka Chevy tb 4x2 okay sa loob Sir, lalo na yung head room and yung leg room. 5'8 po height ko. Ang ayaw ko lang di pa nilagyan ng back up camera di ko lang alam sa top of the line variant nila kung meron. Medyo hirap kasi sya mag reverse minsan kasi lalo na pag lalabas sa parking malapit highway.

[shadow]

80% na kaya ninyo i-down, bakit pakailangan pa iutang sa bangko yun 20%? imaging 20% lang contribute ng bangko sa kanila pa yun kotse. doesnt make sense diba?

kung kulang talaga kayo ng 20% ipon na lang muna kayo para cash na mabili yun kotse

[edzbong08]

nagbibigay ba sila ng discount pag cash basis? thanks

[edzbong08]

ah ganun ba sir vintot. 5'11 kasi ko and my wife is like 5'8. so mas roomy ung tb kesa mux?

[edzbong08]

may pang gagamitan din kasi ko nung 20% sana. pero kaya naman for cash. we just need the car kasi this coming december.

[_Cathy_]

Just pay for it in cash.

[playplugg]

may pang gagamitan din kasi ko nung 20% sana. pero kaya naman for cash. we just need the car kasi this coming december.

Sir edzbong08,

Pwede naman kahit 80% ang DP sa bank, (yung sa kapitbahay namin, kumuha ng montero, 70% DP, 9K withn 3yrs and sa BDO ang bank) then the 20% kung meron kayong pagagamitan like investment/business or bibili kayo ng property, much better na hatiin nyo yung gastos, 50% by DP sa sasakyan and another 50% for business or buying property.

If ever naman na wala naman kayong plans na mag business or bumili ng property or other expense na pagagamitan,
Cash talaga ang best option, iwas hassle sa monthly amortization at interest rate.

Ang sasakyan kasi, madali mag depreciate, pero kung kailangan lalo na sa business purposes, nasa field ang work or laging may appointment from point a to b. and profitable naman ang usage, either cash or 80% DP, basta bawi ang gamit ng sasakyan sa expenses.

And the same time for family usage, panalo na at sulit ang pera sa pagkuha ng sasakyan.

About naman po sa Difference model kung TB ba or MU-X,

Sa MU-X, in 1.3+M value, marami nang amenities when it comes to the accessories, unlike sa mid variant ng 4x2 TB, hindi ganoon po karami,

When it comes to power naman, hindi underpowered ang isuzu, and too much power naman ang TB (in 2.5VGT sa isuzu, enough power na pwedeng ilagay sa mga mini truck (closed van) and 2.8VGT naman ng TB, enough power na pwedeng ilagay naman sa 6wheeler na mini truck at mini bus)

Kung ano po talaga yung gusto nyo, go for it, kasi nasa inyo pa rin ang huling decision and dito po sa forums, good advice and info ang maibibigay ng ka-member dito to have info para magkaroon po kayo ng ideas and knowledge in 2 different vehicle.

Good Luck Sir.

[vintot]

Not sure lang sa mux Sir dipa ko nakasakay. Tb palang na experienced kong sakyan.

Kung gusto nyo i cash pede tapos merong bank not sure kung BPI nga or Metrobank yung nabasa ko na bibigyan ka nila ng choice so example cinash nyo tapos pede nyong i loan sa bank yung 20% nang total cash nyo mas mababa ang interest rate. Basta ganyan ang mechanics di ko nalang maalala kung BPI,) Metrobank or PSBank

[edzbong08]

thank you sir playplugg very helpful tips!
actually first choice talaga namin is the mux kaso naguguluhan ako sa sobrang dami ng nababasa kong comparison bout the 2 cars.
and about the 20% kasi for business sana.

ask ko na din sir if nagbibigay ba sila ng discounts pag cash?

[cast_no_shadow]

TS nagbibigay ng discount kaso wala na gaano freebies. And kung hot item yung trip niyo least priority kayo ng dealer.

About your issue why don't you pay it in cash? Ang iloan mo sa bank eh yung need mo for your business? Small business loan na yan! HTH


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[LancerA174A]

Same dilemma din po, first time brand new car buyer. Pero kami sold na talaga sa mu-X. Noong una pa lang po ayaw nila pumayag mag cash, pero eventually pumayag na rin halos lahat ng dealers na nakausap namin. Yun nga lang po priority daw mga in house financing. After days of pangungulit, ayun po nakuha naman namin yung unit. However, konti lang talaga freebies, and sa lahat daw po wala pang discount ang mu-X if cash.

Between the two, the better features of the Trailblazer are the more powerful diesel engine, plus higher wading depth capacity. But comparing the features of the mu-X 4x2 A/T and the nearest priced TB variant, you'll find the TB somewhat bare and lacking. It's up to you sir, powerful engine ba or more features?

[dr. d]

thank you sir playplugg very helpful tips!
actually first choice talaga namin is the mux kaso naguguluhan ako sa sobrang dami ng nababasa kong comparison bout the 2 cars.
and about the 20% kasi for business sana.

ask ko na din sir if nagbibigay ba sila ng discounts pag cash?

why not downgrade your choice of vehicle, so's you get your vehicle and still have money left over for business..
what does the mux have to offer, that the buyer will actually enjoy using or will absolutely require, that is not being offered by other, cheaper vehicles?

[Kristiano]

pls research muna ng mga mag reviews and User reviews on Mu-X vs Trailblazer... tapos schedule a test drive on those vehicles... tapos record nyo mga sinasabi ng salesman kc yung iba daming flowers +++...lol.

if you can wait sa haba ng linya ng MuX esp 4x2 ls at yata, mga next year pa darating cguro...

[edzbong08]

waahhhh! cash nga is least priority daw may nakausap ako dealer na kakilala ko nagtry daw sya sa q.ave and otis pipila pa daw kame at least priority pa.
need the car this december na

we wanted more features pa naman.

[leodawesome]

80% na kaya ninyo i-down, bakit pakailangan pa iutang sa bangko yun 20%? imaging 20% lang contribute ng bangko sa kanila pa yun kotse. doesnt make sense diba?

kung kulang talaga kayo ng 20% ipon na lang muna kayo para cash na mabili yun kotse

+1. Or why not get the 20% from a personal loan instead? Then buy it in cash. No mortgage needed.

[dr. d]

waahhhh! cash nga is least priority daw may nakausap ako dealer na kakilala ko nagtry daw sya sa q.ave and otis pipila pa daw kame at least priority pa.
need the car this december na

we wanted more features pa naman.

you don't need the car this december...
you just want the car this december!
think, man!
heh heh.

[edzbong08]

you don't need the car this december...
you just want the car this december!
think, man!
heh heh.

dr.d we really need it di kasi kme kasya sa kotse. hehe! tsaka dadating kasi lola and lolo from states this december.