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  1. Join Date
    Sep 2012
    Posts
    124
    #1
    Hi Tsikoters,

    Need your help, advice! nag-apply ako online sa BPI and I was disapproved
    planning to buy a 2nd hand car at ipapafinance ko sana sa bank.
    Car price = 300k
    I'll be covering 140k
    Bank will only finance P160k

    BTW my salary is 44k nasa 35k take home ko.
    2yrs palang ako nagwowork at kakaregular ko lang sa new company ko.

    I'm pretty sure kayang kaya ko bayaran yung monthly since wala ako binabayaran na bills at nakatira ako sa parents ko. single din ako.

    Hindi ko alam bakit hindi ako na-approved Pano kayo na-approved guys? share nyo naman...

    Thanks sa mga magrereply! more power tsikoters!!!

  2. Join Date
    Dec 2005
    Posts
    490
    #2
    How old is the car to buy? or maybe you are just new to your new job, as you said kaka regular mo lang?

  3. Join Date
    Mar 2009
    Posts
    21,667
    #3
    300k lang naman pala yung kotse.

    Meron ka na 140k on hand, then you take home ~40k/month. Wala ka naman bills to pay.

    I-cash mo nalang. Ipon ka muna. Ilang buwan nalang titiisin mo na walang kotse. Less abala pa yan, wala kang babayaran monthly.

  4. Join Date
    Sep 2009
    Posts
    800
    #4
    better yet try mo makipag transact sa mismong bank sir.
    mas ok makipag deal inperson kasi lalo nat new borrower ka..

  5. Join Date
    Sep 2012
    Posts
    124
    #5
    Hyundai Getz 2010 ang kukunin ko sana.. kelangan ko na kasi talaga since nahihirapan ako magcommute, lagi kasi ako taxi.. I think mas comfortable,safe at mas mkakatipid ako kung magkokotse ako.. To be honest I think kaya ko naman ipunin yun kaso estimate ko mga another 6months ko pa maiipon yun... nag-iisip narin ako ipunin nalang para hassle free... kaso matagal tagal ang 6months hehe... baka nga puntahan ko nalang mismo yung bank.. para maexplain ko ma-igi :D

  6. Join Date
    Nov 2007
    Posts
    125
    #6
    Try ka sa ibang bank at sure ma-approve ka na, ang gusto kasi ng bank din yung tipong may mga binabayadan ka na bills na regular mo na nababayadan. kapag nalaman nila na ganon may pag-asa ka mabigyan ng loan,

  7. Join Date
    Oct 2002
    Posts
    15,528
    #7
    its because bago ka pa sa work mo.
    try other banks like psbank or rcbc..
    medyo maangas ang bpi eh..

  8. Join Date
    Oct 2002
    Posts
    15,528
    #8
    to add... ikaw kasi, personally, alam mo na kaya mong i sustain yung loan, pero yung bangko hindi.
    you have to show them and prove to them that you can have that sustained.

  9. Join Date
    Apr 2010
    Posts
    952
    #9
    afaik sir.. sa mga bank.. they require at least 1 to 2 years in your workplace?? not really sure though. but that's what I have heard from some that works in the bank.

  10. Join Date
    May 2006
    Posts
    8,357
    #10
    bakit kasi online pa kung kaya mo namang puntahan ng personal yung bangko.

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Auto loan disapproved! help!