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Verified Tsikot Member
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August 15th, 2016 10:46 AM #71If you have a good relationship with your Bank, they can give you rate as low as 23.++% for 5 years.
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August 15th, 2016 11:30 AM #72
Assuming that the P200K discount for the Montero is just a marketing/advertising come-on :
I am an outsider (am not a banker), but IMO, it is unethical and immoral for a bank to charge you with 9%+ interest rate if the prevailing (market) interest rate is half of that....
You'll know in due time.
Good luck!
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"The measure of a man is what he does with power" LJIOHF!
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August 15th, 2016 09:20 PM #73mga sir's
pwede po ba makahingi ng inyong advice at opinion, anu po sa tingin ninyo mainam na kunin kung saka sakali na kumuha ako po ng sa-sakyan? mas prefer ko po kasi ang manual transmission.
first choice ko po e fortuner tapos mux lsa 2.5, everest lastly ang montero kasi nawala ang 4x2 sa cardeal 4x4 na lang na se-search.
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August 15th, 2016 09:27 PM #74
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BANNED BANNED BANNED
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August 16th, 2016 12:43 PM #76I asked dun sa branch, ang sabi car loan interest for 5 yrs is 22% pero hindi ako sinagot regarding sa 200k discount na binibigay ng dealership. She told me to go to the dealership and tell them i will purchase in cash then balikan ko sya pag confirm na kung anong unit then will will arrange daw.
Sabi naman ng agent na nakausap ko, they don't give discount daw kapag bank purchase unless mag inhouse ako.
Now, i need to do the math hehehe hindi ko natanong sa bank tungkol sa LtO, insurance, chattel mortgage etc kung magkano.
^^ thanks for the reply mga ka tsikot
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Verified Tsikot Member
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August 16th, 2016 01:00 PM #77
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August 16th, 2016 01:03 PM #78
Iyan ang killer sa mga ahente na iyan,- diyan ka nila tatagain ng 9%+ interest kapag in-house... base sa ad ng olx.
Yes bro.,- compute ka na lang..
And may you strike these opportunists with a good hard deal!
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"The measure of a man is what he does with power" LJIOHF!
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August 16th, 2016 01:12 PM #79
Bro. 2 pa lang kasi ang entries mo rito,- so, to confirm,- you paid a downpayment of P548K upfront (this is 40% of P1370K), right?
And your balance for payment is P1370K-P548K = P822K. So, total payment in 5 years would be P822KX1.27 = P1044K. Plus your downpayment = P1592K
If price were still at P1550K,- then balance for payment would have been P1002K, and so at an interest rate of 22% for 5 years,- total payment in 5 years would be P1222K.... Plus your downpayment = P1770K
Hhhhhmmmm,- can you confirm this swag on the numbers?
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"The measure of a man is what he does with power" LJIOHF!
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Last edited by CVT; August 16th, 2016 at 01:15 PM.
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August 16th, 2016 01:29 PM #80
Risk.
The lower rates are assessed on loans that have lower risk (such a qualified business/corporate loans, housing loans with solid collateral value, etc.). An auto loan has a car as collateral however the value of the asset depreciates drastically and risk to the loan is higher as this is granted on a more liberal basis.
So bottomline is, the 200K discount has strings attached?
Buhay na buhay ang BGC this evening. Bukas halos lahat ng restaurants. Sabi pa nung isang cashier...
Traffic!