Approved Loan Expiry

[lukscudkil]

mga sirs,

same concern din po, gano po katagal ang expiration ng loan approval from bdo? kasi po yung branch manager at agent nangungulit n kunin ko yun oto dahil for releasing na dw po at bka bawiin pa daw ng bank ang approval kapag hindi ko kinuha ang unit. ang nangyari kasi dahil hnd kami nag check sa ibang dealer ay dahil ni refer sa akin ung agent. after ng approval may nag offer na bank at mas mababa ang monthly amort namin ng 2500 pesos compare dun sa dealer.

sir usually 1month po validity ng approval but its not your problem anymore if maglapse yun 1 month they just have to recon it. Nangyayayri yun madalas pag hard to find ang unit or mahaba ang pila.

pano po ba ang gagawin? lets say meron mas mababang quote din ang isang same dealership at dahil hindi ko nagustuhan ang asal ng agent, pwede po bang lumipat ng ibang dealership or bank?

anytime po pwede kayo magbackout or lumipat ng ibang dealership or bank even may downpayment na kayo

with regards to psbank, maangas po ba talaga ang nag CI officer nyo? ang yabang kasi ng dating eh para namang kung magtanong eh hindi namin kayang magbayad to think that we own our house and no history of any loans neither credit cards. gusto ko pa naman sana sa PSbank coz of good feedbank.

no comment tayo dyan sir baka di lang masarap ang breakfast nung c.i.

feel free to ask for a new computation i might give you a better deal. mmherrera*bankcom.com.ph

[Roden Villegas]

sir, try mo kaya sa psbank?
mataas ang rates kapag in house financing
agent/dealer pa nasusunod.
kapag bank, lahat sila na nag aayos, sila maghahanap ng dealer, dyan tali ka sa iisang dealer
email mo sir bmflorencio*psbank.com.ph
pwede ka magpaquote... makamura ka pa

Salamat pafs, medyo referred kasi ng boss ko yung agent kaya di na kami nagcheck pa sa iba.

Awa naman ni Lord, idedeliver na daw next week yung unit na gusto namin.

[calix0305]

in my case sa BPI 4 mos. yung binigay sakin na expiration nung ABM ng banko pero wala naman daw problema pede naman ng i-aaply na yung loan kung wala ng changes sa price nung unit.

[Ofw29]

Salamat mga papa sa reply at sa support

Hopefully this coming days eh magkaron na ng magandang balita

goodluck sir.

[frostmourn]

Guys just a question, may expiry ba yung Approved Loan?

This is the situation, nag apply kami sa isang dealer then na-approved kami for a car loan ng isang bank. Now we have this color and spec of unit na gusto. I believe na approved kami sa bank June 13. Nagbigay na rin kami ng reservation sa dealer last June 16. Darating daw yung unit katapusan ng June. Few days after June 16 nagsabi yung agent na may available na unit but ibang kulay baka daw 1st week of July pa yung unit na gusto namin. But still, we declined. Then after few days may dumating ulit sila unit but still wala pa rin yung gusto namin, sabi baka daw mga 3rd week pa ng July yung unit na gusto namin. Then sige we'll wait. Then sabi, baka daw ma expire yung loan sa bangko kaya iniinsist nya na kunin na namin yung unit na available. So politely we declined kasi nga first car namin so we would like to have the unit and color that we want. The other day nagsabi na naman si agent na may available sila unit but yung high end but still not the color that we want. So we said we will wait 3rd week of July.

May expiration ba talaga or gusto lang makabenta ng agent?

Tsaka ganon ba talaga katagal kelangan ipaghintay? Mahigit isang buwan?

May expiration sir. I worked on bank before. You can always asked the loan officer from that bank to reconsider or reprocess your loan application.

[kulasa0129]

Guys just a question, may expiry ba yung Approved Loan?

This is the situation, nag apply kami sa isang dealer then na-approved kami for a car loan ng isang bank. Now we have this color and spec of unit na gusto. I believe na approved kami sa bank June 13. Nagbigay na rin kami ng reservation sa dealer last June 16. Darating daw yung unit katapusan ng June. Few days after June 16 nagsabi yung agent na may available na unit but ibang kulay baka daw 1st week of July pa yung unit na gusto namin. But still, we declined. Then after few days may dumating ulit sila unit but still wala pa rin yung gusto namin, sabi baka daw mga 3rd week pa ng July yung unit na gusto namin. Then sige we'll wait. Then sabi, baka daw ma expire yung loan sa bangko kaya iniinsist nya na kunin na namin yung unit na available. So politely we declined kasi nga first car namin so we would like to have the unit and color that we want. The other day nagsabi na naman si agent na may available sila unit but yung high end but still not the color that we want. So we said we will wait 3rd week of July.

May expiration ba talaga or gusto lang makabenta ng agent?

Tsaka ganon ba talaga katagal kelangan ipaghintay? Mahigit isang buwan?

hi sir medyo newbie ako dito pero ask ko lang sa psbank kasi ano naapprove so for releasing na din yung car sabi ng SA so my question is why asking pa ng mga additional requirements ? what if ndi ok saknila yung mga requiremnts na pinasa ?? babawiin ba yung approval ? or approved na talga yun ?
TIA

[mda]

hi sir medyo newbie ako dito pero ask ko lang sa psbank kasi ano naapprove so for releasing na din yung car sabi ng SA so my question is why asking pa ng mga additional requirements ? what if ndi ok saknila yung mga requiremnts na pinasa ?? babawiin ba yung approval ? or approved na talga yun ?
TIA

Ano yung additional requirements?

[kulasa0129]

Ano yung additional requirements?

like coe , remittances , proof of billing , itr naguguluhan kasi ko tas sabi ni agent if available na si unit na gusto ko possible delivery on tuesday and need ko daw mag open ng psbank autodebit asap.. i mean bakit ganun ? tas niask ko si SA if approived ba talaga ko sabi nya yes

[kulasa0129]

like coe , remittances , proof of billing , itr naguguluhan kasi ko tas sabi ni agent if available na si unit na gusto ko possible delivery on tuesday and need ko daw mag open ng psbank autodebit asap.. i mean bakit ganun ? tas niask ko si SA if approived ba talaga ko sabi nya yes

para saan po kaya yun ?

[kulasa0129]

like coe , remittances , proof of billing , itr naguguluhan kasi ko tas sabi ni agent if available na si unit na gusto ko possible delivery on tuesday and need ko daw mag open ng psbank autodebit asap.. i mean bakit ganun ? tas niask ko si SA if approived ba talaga ko sabi nya yes

anyone please help ?