Montero 2.5 GLSV VS Trailblazer 2.8 LT

**Syuryuken** · March 3rd, 2015 04:32 PM

Originally Posted by boytsiks

Inhousing financing or bank PO?

sigurado inhouse yan

- - - - - - - - - - - - - - - - - - - - - -

Originally Posted by boytsiks

Inhousing financing or bank PO?

sigurado inhouse yan

**botsog** · March 3rd, 2015 04:45 PM

Originally Posted by Syuryuken

sigurado inhouse yan

- - - - - - - - - - - - - - - - - - - - - -

sigurado inhouse yan

bank po sir. by the way di po ako agent, work po ako dito sa kuwait. gusto ko lang mag suv bago ko umuwi sa end of march. sa dami ng nakausap kong agent sa iba't ibang dealerships, sya yung best deal na nag offer sa akin. yung unit last friday lang ideniliver sa laguna. pm nyo ko for details nung agent.

**boytsiks** · March 3rd, 2015 04:59 PM

Originally Posted by botsog

bank po sir. by the way di po ako agent, work po ako dito sa kuwait. gusto ko lang mag suv bago ko umuwi sa end of march. sa dami ng nakausap kong agent sa iba't ibang dealerships, sya yung best deal na nag offer sa akin. yung unit last friday lang ideniliver sa laguna. pm nyo ko for details nung agent.

Good to know. Anong bank may free na chattel mortgage? Actually, I already own a Montero. Although, i considered chevy before pero wala pa silang 4x2 AT that time.

I'm in the hunt for a sub compact or compact car for my wife. It would be helpful which banks offer the best rate.

Sorry for being out of topic.

**botsog** · March 3rd, 2015 05:03 PM

Originally Posted by boytsiks

Good to know. Anong bank may free na chattel mortgage? Actually, I already own a Montero. Although, i considered chevy before pero wala pa silang 4x2 AT that time.

I'm in the hunt for a sub compact or compact car for my wife. It would be helpful which banks offer the best rate.

Sorry for being out of topic.

bdo yung sa amin sir eh...

**Syuryuken** · March 3rd, 2015 05:09 PM

Originally Posted by botsog

bank po sir. by the way di po ako agent, work po ako dito sa kuwait. gusto ko lang mag suv bago ko umuwi sa end of march. sa dami ng nakausap kong agent sa iba't ibang dealerships, sya yung best deal na nag offer sa akin. yung unit last friday lang ideniliver sa laguna. pm nyo ko for details nung agent.

yung agent ang nag-ayos sa bank?

bank PO - ikaw mismo ang pupunta sa bank for approval
inhouse - mga ahente ang mag-aayos for bank approval

**botsog** · March 3rd, 2015 05:21 PM

Originally Posted by Syuryuken

yung agent ang nag-ayos sa bank?

bank PO - ikaw mismo ang pupunta sa bank for approval
inhouse - mga ahente ang mag-aayos for bank approval

ganun ba yun sir? eh di inhouse pala yun... sorry po...

**Syuryuken** · March 3rd, 2015 05:38 PM

Originally Posted by botsog

ganun ba yun sir? eh di inhouse pala yun... sorry po...

malaki kasing porsiyento ng mga ahente pag inhouse lalo na pag may DI (dealer's incentives) at mas malaking interest sa bangko.

bawi ka na lang sa next purchase mo

**jcal68** · March 3rd, 2015 06:29 PM

i have 2010 gls montero. satisfied naman ako.

**botsog** · March 3rd, 2015 06:39 PM

Originally Posted by Syuryuken

malaki kasing porsiyento ng mga ahente pag inhouse lalo na pag may DI (dealer's incentives) at mas malaking interest sa bangko.

bawi ka na lang sa next purchase mo

di naman siguro sir ganung kalaki yung interest. yung mga quotations nung mga agents na kausap ko the dp is from 228k hanggang naging 110k. yung montly ng 228k and 110k is same lang for 3 years and 5 years. so sa dp pa lang almost 50% na yung nabawas ko sa initial payment (118k). i chose 3 years installment.

**boytsiks** · March 3rd, 2015 07:09 PM

Originally Posted by botsog

di naman siguro sir ganung kalaki yung interest. yung mga quotations nung mga agents na kausap ko the dp is from 228k hanggang naging 110k. yung montly ng 228k and 110k is same lang for 3 years and 5 years. so sa dp pa lang almost 50% na yung nabawas ko sa initial payment (118k). i chose 3 years installment.

For 3 yrs installment, di naman siguro ganun kalaki. I just check an inhouse scheme from toyota nasa 47% ang interest nila for 5 yrs whereas around 28 per cent from a bank. That is around 4k difference in 60 months (~240k in 5yrs).

Same scenario when i got my MS, 4300 ang difference a month between PO and inhouse. Although i have to pay 100k more initially, but after 5 yrs i will save 140k from interest.

But as i've said, di naman siguro ganun kalaki for 36 months since shorter ang term. Anyways, just enjoy your amazing ride. Dont think about the interest rate too much.