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August 16th, 2016 01:49 PM #81Patawa naman yun Mitsu eh, nilakihan nila yun srp pero suma tutal at par din sa others lol
Originally Posted by mackieboy
May nakalimitan ka yun tucson bare MT back to 998k na lang after discounts, yun nga lang isang airbag. At this day and age, Hyundai is still pulling this lure promo . I hope dti puts a stop to this shortchsnging safety measures . Napakahirap ba i-manufscture airbags.
Ford has 1.060M suv with SIX airbags btw! Tsk tsk sa sobrang hate ko sa Korean cars, i'll never even go there anymore unlike before. Classic Bait and switch scheme.
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August 16th, 2016 02:01 PM #82Yes, bro.,- it is all about risks... Originally Posted by vinj
However, getting a 9%+ car loan from a bank[olx ad] when the prevailing interest rate for a regular car loan is only at 4%+ is unethical, IMO.
And so, I doubt that the banks are involved. It could be that the lender is the dealer,- and coursed such transaction through a money lender or something[in-house financing]... Not sure....
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August 16th, 2016 02:17 PM #83If you really want to get the lowest rate, i suggest you apply for membership to that bank inside Meralco compound. Ive had 2 friends who got a litlle less than 5% , even 4% pa nga yata. Csnt remember the exact acronym it's stsrt with M also but i heard the loans are now open to all not only the employees
Worth to try, nothing to lose naman eh
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August 16th, 2016 02:40 PM #84Most big banks nowadays offer between 5-6% annually. BPI and BDO offers that rate. Metrobank offers lower than the other 2 banks, around 4%+. Originally Posted by CVT
In-House Financing would be around 6-8% depending on the dealer. The highest rate I was offered was with Mazda. It was around 8%. Wala pa discount yun ha.
Most dealers who offer discounted low-DP schemes have high interest rates, around 8% also. The total amount would still be the same as the usual 20% DP and 5% annual rate for 5 years.Last edited by Egan101; August 16th, 2016 at 02:45 PM.
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August 16th, 2016 03:02 PM #85Yes chief 2 post pa lng as i just read reviews before to help me decide which car to buy. Correct again sir na loan amount with interest is approx 1044k. Spread that to 60months and my monthly is around 17.5k. Just helping out the guy looking for discount on GLS via bank PO and not in-house. Originally Posted by CVT
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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Down payment was computed after the discount from the dealer.
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August 16th, 2016 03:48 PM #86Thanks for the reply. Originally Posted by mjmaxx
Happy for you, bro.
IMO, that's a true-blue-all-green-and-go steal!
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August 16th, 2016 05:48 PM #87^^ thank u mga Bro at madami akong natutunan [emoji4] by the way I'm a sis [emoji1409]
Nag compute din ako based dun sa IR ng bank at 5 yrs, parang lumalabas na kyeme lang yung discount kasi ang computation mag based after discount, lumalabas na mas mura pa ang ford ambiente. Though im having a second thought about the safety, I used to have a for fiesta sedan pero sa multiple coalition hindi lumabas ang airbags sa harap. (Pang 3rd ako, sa likod namin bus). Yung gagamitin kong pang DP ang nakuha ko sa total loss.....Anyway....[emoji848]
Between 40% dp at 27 % IR vs 30% dp at 25% IR konti lang pla ang difference nasa 18k lang to sum it up (DP+Amort).
Since wala pa final decision between monty and eve eh basa basa muna dito sa tsikot.
Thank u so much guys [emoji106][emoji6]
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August 16th, 2016 10:09 PM #88 Originally Posted by reine2008
Sis let us know kung ano nag end up ang dilemma mo
Good luck and happy shopping!
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August 18th, 2016 01:32 AM #89Ay astig.. eto yung info na kailangan ng nakararami hahaha maraming salamat dito sir! [emoji1] malaking tulong po ito. Originally Posted by mackieboy
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Originally Posted by mackieboy
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Choice I would have made as well.:nod:
2024 Innova Zenix 2.0 V CVT (non-HEV) vs Innova...