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  1. Join Date
    Feb 2008
    Posts
    14,181
    #11
    Anong klaseng business NA SAFE ang kaya talunin ang interest rate ng car loan? Siguro kung nagbebenta ka ng droga kaya!

  2. Join Date
    Oct 2002
    Posts
    19,567
    #12
    Most of our cars were bought using bank financing. 1 year ammortization, one month advance (OMA), rate is only 4% more or less.

    Any business would earn more than 4% in less than a month.

  3. Join Date
    Nov 2006
    Posts
    212
    #13
    kung magiinvest ka sa mutual funds and it will give you 5% to 6% per annum... and ang 27% in 5 years ay about 6% din... break even na rin... ang problema lang eh yung monthly mo pag nakalagay sa mutual funds pera mo... hehe...

  4. Join Date
    Jul 2007
    Posts
    1,243
    #14
    not all of us are good in managing a business. marami din nalulugi. ano ba maganda business ngayon na low risk.

  5. Join Date
    Feb 2008
    Posts
    5,179
    #15
    if the car is for personal use, buy it cash. pero if you have a business better to finance it kasi pwede mo mapasok as expense yung monthly.

  6. Join Date
    Feb 2008
    Posts
    5,179
    #16
    Quote Originally Posted by Ginnova View Post
    not all of us are good in managing a business. marami din nalulugi. ano ba maganda business ngayon na low risk.
    sabi ng first qudrant, sila daw pinakasafe na negosyo. :bwahaha:

  7. Join Date
    Oct 2005
    Posts
    5,465
    #17
    Quote Originally Posted by tidus1203 View Post
    Anong klaseng business NA SAFE ang kaya talunin ang interest rate ng car loan? Siguro kung nagbebenta ka ng droga kaya!
    Money market ;)

    hehe kung magpapa 5-6 ka sa pera na ipa-pang cash mo sa say, Fortuner, at 5-6 or even 10% a month. talo mo ang interest ng loan. na libre na yung MA mo. hehehe

    i know someone who did this, instead of forking down the money straight to Toyota for a Fortuner. Lucky for her, it worked. wala naman nanuba sa kanya.

    pero still, to each his own, kanya kanyang trip lang yan. kung san ka masaya. go for it.

  8. Join Date
    Oct 2002
    Posts
    6,382
    #18
    If you can afford to pay in cash, like it's just sitting around waiting to be spent, then spend it.

  9. Join Date
    Jul 2009
    Posts
    4,078
    #19
    Kung may cash ka mas maganda iwas sakit ng ulo pag may binabayaran monthly.

  10. Join Date
    Feb 2008
    Posts
    14,181
    #20
    Quote Originally Posted by basti08 View Post
    Money market ;)

    hehe kung magpapa 5-6 ka sa pera na ipa-pang cash mo sa say, Fortuner, at 5-6 or even 10% a month. talo mo ang interest ng loan. na libre na yung MA mo. hehehe

    i know someone who did this, instead of forking down the money straight to Toyota for a Fortuner. Lucky for her, it worked. wala naman nanuba sa kanya.

    pero still, to each his own, kanya kanyang trip lang yan. kung san ka masaya. go for it.
    Yun na nga ikaw na mismo nagsabi, LUCKY FOR HER. But there is too much risk to buy something that does not make money like a car... Eh kung nag 5-6 ka tapos di nabayad yung pina utang mo or kung nag bayad man late nagbayad tapos dineposito na ng bangko yung post dated check mo tapos since di pa nagbayad yung pinautang mo, talbog cheke mo o pano na?

    Taking risk is ok in fact taking risk is the way to make money, but only take it for money making activities and buying a car is not one of them...

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