Auto financing

[1Vergel]

Pwede maapprove!

pag sa bank, kelangan mag provide sya ng authorization letter na yung tao dyan sa pinas (relative nya or ikaw) ay ang magttrancsact on behalf nya lalo na if di tlaga sya makakauwi kahit sa day na marrelease na yung car, need din ng employment contract na authenticated ng Philippine consulate and proof of remittance. I'm an OFW and base sa experience ko yan sa bank. Kung may kakilala kayo sa bank baka mas mapadali yung process and mabawasan yung mga requirements na hihingin sa kanya.

Pag in-house, mas konti requirements and di na need ipa authenticate yung employment contract sa Philippine consulate. Kahit sya mismo makipag transact directly sa agent thru email or any messaging app kaya...depende sa agent yan pero karamihan kaya nila gawan paraan kahit out of the country kausap nila (specially pag OFW). May special arrangement kase talaga sila for OFW clients....sa bank din naman may certain process sila for OFW pero mas madami requirements hihingin sa bank.

galing na ako sa banks, need ang appearance ng borrower, kahit ofw...
salamat sa info, try ko sa mga agents...

[khenma0928]

galing na ako sa banks, need ang appearance ng borrower, kahit ofw...
salamat sa info, try ko sa mga agents...

palagay ko nga need tlaga ng appearance ng borrower.. ayaw nila ng co borrower lng

[khenma0928]

galing na ako sa banks, need ang appearance ng borrower, kahit ofw...
salamat sa info, try ko sa mga agents...

palagay ko nga need tlaga ng appearance ng borrower.. ayaw nila ng co borrower lng

[Daenerys]

Na deny kami sa car loan thru PSBank (Toyota) and BPI (Honda), pero sbi ng toyota agent namin wait nlng namin ung inhouse nila for approval...Would you know guys kng possible pa din kami ma-approve sa inhouse even though na deny na kami sa banks?...We are applying for Toyota Vios E AT 2016...Sobrang waiting game lang! ang tagal ng feedback! Tpos pagkabalik syo deny din pala Kakaloka!

[sirkosero]

Na deny kami sa car loan thru PSBank (Toyota) and BPI (Honda), pero sbi ng toyota agent namin wait nlng namin ung inhouse nila for approval...Would you know guys kng possible pa din kami ma-approve sa inhouse even though na deny na kami sa banks?...We are applying for Toyota Vios E AT 2016...Sobrang waiting game lang! ang tagal ng feedback! Tpos pagkabalik syo deny din pala Kakaloka!

^ no offense, but you might want to reconsider getting a car. Your finances might not be able to handle the added stresa kaya di ka approved ng banks

[agent_ching]

Na deny kami sa car loan thru PSBank (Toyota) and BPI (Honda), pero sbi ng toyota agent namin wait nlng namin ung inhouse nila for approval...Would you know guys kng possible pa din kami ma-approve sa inhouse even though na deny na kami sa banks?...We are applying for Toyota Vios E AT 2016...Sobrang waiting game lang! ang tagal ng feedback! Tpos pagkabalik syo deny din pala Kakaloka!

Thru TFS you have better chances of being approved with your loan.

Do you have bad records on loan/s or credit card/s?

Also note that the monthly amortization should be at least 30% of your monthly income for you to get an approval.

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[ikloyputograpi]

^ no offense, but you might want to reconsider getting a car. Your finances might not be able to handle the added stresa kaya di ka approved ng banks

Agree on this one


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[Ocin85]

How do we know if the bank approve our application after they call us for interview?

[kimbon]

^^^ I think it's hard to say as long as you've complied bank's requirements there no reasons to denied your application. Good luck

[dr. d]

i still believe that a used car is an option for those who insist on getting a car...

[XploY]

As much as possible huwag sa financing. Its better if you have the cash. Ipon muna bago bili cars. Not the other way around.

[shadow]

As much as possible huwag sa financing. Its better if you have the cash. Ipon muna bago bili cars. Not the other way around.

Not really. Loans and financing is a tool that we have to take advantage of. Especially now mababa mga interest rates. That is if you know how to handle your finances.




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[cast_no_shadow]

Baka in-house financing tinutukoy?


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[Ocin85]

Ngmsg na kasi sa email yung bdo sa amin noong lunes sabi in the process pa daw application namin pero hangang ngayon hindi pa nila nagcoconfirm kung naaprove na application namin..nu po ibig sabjhin noon may chance po ba maaprove application namin?

[jefbuan]

kapag may nagCI na sa inyo,malamang approve na yun

[shadow]

Ngmsg na kasi sa email yung bdo sa amin noong lunes sabi in the process pa daw application namin pero hangang ngayon hindi pa nila nagcoconfirm kung naaprove na application namin..nu po ibig sabjhin noon may chance po ba maaprove application namin?

You know what, ikaw lang naman nakakaalam ng totoong personal circumstances mo eh.

Kaya ba ng income mo Ang payment ng loan? Meron ka na ba credit history? Bad record? Etc.



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[Ocin85]

Kaya naman namin kasi may 2 business shop naman kami ..nagtataka lang ako kasi sa mga nababasa ko dito sa forum usually 1 day lang approve na loan nila sa bdo ..sa amin kasi since 2 day na naklipas noong tumwag yung Bdo para sa interview wala ka pa kami idea if naaprove na ba loan namin...

[Sarsi]

Busy na yang mga taga banko ngayon. Least priority na yan kasi puro holidays. Quota na sila da mga loans kaya ipapasok na nila yan next year.

[Ocin85]

Ganun po ba..kala ko past approval sa kanila matagal din pala..if ever maaprove nxtyear loan namin sa kanila waht is next step po ba?

[Ocin85]

Ok po ba rates sa maybank auto loan???