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  1. Join Date
    Sep 2010
    Posts
    138
    #21
    Maki-butt in lang po. For the TS, pwede din naman mag 50% or 75% dp ka, i believe may mga 0% interest na nun, and monthly amortz is minimal.

    Kung "all or nothing" naman, mas ok pag cash IMHO. You may choose not to buy the comphre insurance after the free insurance given by the car dealership lapses. Laking tipid din nito.

  2. Join Date
    Oct 2007
    Posts
    2,113
    #22
    Ako cash buyer ultimong lupa kina-cash ko, pag kinompyut mo kasi kalahati ng kotse or lupa tubo ng banko or even more pag long term.

    Problema sa cash buyer late mo na maeenjoy pera mo puro ipon mangyayari. Ex yung bro ko bumili ng brand new car 8 years to pay while ako bumili segundamano... so bigtime dating nya ako small time lang... after 5 years sira na auto nya di pa bayad at mababa na value, samantalang ako nakapag upgrade na ng mas modelo auto until after 8 years nakabili na ako ng brand new SUV while sya binenta yung auto nya ng mura nalang then pumatol uli ng hulugan na hatchback worth 450k eh di mas bigtime na ako sa kanya ngayon. Kasi kinain ng interest pera nya

  3. Join Date
    Mar 2007
    Posts
    820
    #23
    Pay cash if you can to avoid the interest...if you can't then loan to a bank that gives the lowest interest and try to pay it at the shortest time possible.
    The first time we bought a brand new car, we loaned it for 2 yrs. with an interest of 90K/2yrs. Not bad I guess...

  4. Join Date
    Jan 2008
    Posts
    830
    #24
    malaki ang ma-save kapag babayad ng cash

    example, wala na ang amortization fee. you can choose the insurance company which costs half the price of the in-house insurance plus discount.

  5. Join Date
    Jan 2009
    Posts
    817
    #25
    Cash of course. No brainer.

  6. Join Date
    Jun 2009
    Posts
    1,462
    #26
    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!
    cattle raising!

    sa 5,000 pwedeng maging 20K after a year..

    sinubukan ko isa dati, 5,000 , after 3 months, binili ng kapatid ko ng 9,000. isa lang yun. eh kung marami, eh di ayus.
    edit:

    yun eh kung may kamag-anak or kapamilya sa probinsya (tulad ko)..
    Last edited by KERSMcRae; November 27th, 2010 at 12:47 PM.

  7. Join Date
    May 2010
    Posts
    2,833
    #27
    as much as possible, i buy it cash.

  8. Join Date
    Dec 2008
    Posts
    1,363
    #28
    pay cash if you got cash and dont have any problems at all and you can dispatch your ride easily no worries

  9. Join Date
    Apr 2010
    Posts
    634
    #29
    Quote Originally Posted by KCboy View Post
    dapat kasi gawin ng bir, the interest that you pay for a car can be deducted to your income so you pay less tax, that way madaming tao maeengganyo mag car loan thus stimulating the bank as well as the car industry. that's how they do it in the US. para maging accessible and car to all filipinos. hindi lang yung mga may kay.
    e di lalong naging traffic sa pilipinas pag ginawa mo eto saka sa ngayon eh accessible na ang kotse sa pilipinas sobrang liit na ng kalye sa pilipinas dagdagan mo pa ng mga bagong kotse baka hindi na tumakbo ang traffic sa edsa

  10. Join Date
    Feb 2007
    Posts
    231
    #30
    i always pay in cash. ayokong bumili na sasakyan na i can't afford now dahil depreciating asset ang sasakyan. less stress at sakit ng ulo

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Would you pay cash or loan?