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  1. Join Date
    May 2006
    Posts
    8,277
    #11
    Quote Originally Posted by boytsiks View Post
    Inhousing financing or bank PO?
    sigurado inhouse yan

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    Quote Originally Posted by boytsiks View Post
    Inhousing financing or bank PO?
    sigurado inhouse yan

  2. Join Date
    Dec 2011
    Posts
    31
    #12
    Quote Originally Posted by Syuryuken View Post
    sigurado inhouse yan

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    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.

  3. Join Date
    Jul 2010
    Posts
    844
    #13
    Quote Originally Posted by botsog View Post
    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.

  4. Join Date
    Dec 2011
    Posts
    31
    #14
    Quote Originally Posted by boytsiks View Post
    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...

  5. Join Date
    May 2006
    Posts
    8,277
    #15
    Quote Originally Posted by botsog View Post
    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
    Last edited by Syuryuken; March 3rd, 2015 at 05:13 PM.

  6. Join Date
    Dec 2011
    Posts
    31
    #16
    Quote Originally Posted by Syuryuken View Post
    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...

  7. Join Date
    May 2006
    Posts
    8,277
    #17
    Quote Originally Posted by botsog View Post
    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

  8. Join Date
    Jun 2014
    Posts
    414
    #18
    i have 2010 gls montero. satisfied naman ako.

  9. Join Date
    Dec 2011
    Posts
    31
    #19
    Quote Originally Posted by Syuryuken View Post
    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.

  10. Join Date
    Jul 2010
    Posts
    844
    #20
    Quote Originally Posted by botsog View Post
    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.
    Last edited by boytsiks; March 3rd, 2015 at 07:12 PM.

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Montero 2.5 GLSV VS Trailblazer 2.8 LT