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.

[edzbong08]

nagbibigay ba sila ng discount pag cash basis? thanks

[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

[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.

[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.

[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.

[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?

[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?

[playplugg]

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?

I'm not sure Sir edzbong08 kung magkano yung price discount na binibigay for 2 vehicle variant?

pero much better to scout muna, lahat ng mid-suv, tignan nyo and since merong event sa MOA na test drive, punta kayo para ma-test drive din yung mga different vehicles and have a self assessment, kung ano po yung preferred nyo na sasakyan.


Since dadating yung lolo at lola nyo, save the budget muna, rent a van kung may lakad tulad ng sinabi ni Sir dr.d lots of savings ang matitipid, lalo kung ilang days lang naman sila stay dito sa pinas.

saka yun pala, ang certain disadvantage ng Mid-SUV, kailangan i-assist ang passenger na senior citizen para maka-sakay or maka-baba ng sasakyan (dahil mataas masayado ang SUV)

And kung talagang hindi kayo nagamamadali na kumuha ng sasakyan, budget wise, next year na kumuha, kasi marami nang lalabas na new models ng sasakyan, at makakapili na kayo, and meron na kayong sufficient budget na bilhin ang sasakyan by cash, and then yung sukli, pang business na yan....

[tomprovido]

plan ko din po bumili

[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...

[Vince_02]

Like the topic starter, I am also planning to buy my first car. I don't have any clue on engines. Daily usage will be city driving but I live uphill (Antipolo-Teresa area). I see a lot of engine variants like 1.0, 1.3, 2.0, 2.5, etc. I would like to know what engine spec is recommended for me given my intended use and location. Will diesel or gas variant make any difference? TIA!

[Egan101]

*Vince_02 - start out by putting a specific budget in mind. Then, lay down some key requirements for how the car will be used. Go out to dealers and check out the various car models. You can then narrow down your choices to 3-4 cars and try to do a test drive. Choose the car that meets your requirements and appeals to you the most in terms of aesthetics (looks & features) and performance (handling & driveability).

[1D4LV]

tama si egan, set a budget first, and take it from there.
but going back to your question, a diesel would best suit you.

[_Cathy_]

Just pay for it in cash.

[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