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  1. Join Date
    Dec 2005
    Posts
    39,055
    #11

    May nakapagbayad na ba rito ng kotse using your credit card?

    18.1K:rant:

  2. Join Date
    Jul 2007
    Posts
    50,582
    #12
    Laki ng interes nung 3.5% per month, unless he pays for the full amount pa rin. hehe.

  3. Join Date
    Dec 2005
    Posts
    39,055
    #13
    Quote Originally Posted by Cathy_for_you View Post
    Laki ng interes nung 3.5% per month, unless he pays for the full amount pa rin. hehe.
    Yup Sis, full payment is the real intention....

    I just heard from the grapevine a couple of years ago that it was done by a person, and that can be arranged.... Just wondering if anyone here has indeed done it and what are its advantages and disadvantages vs. outright cash purchase....Or was he/she able to strike a very good deal?

    18.1K:rant:

  4. Join Date
    Jan 2010
    Posts
    367
    #14
    Quote Originally Posted by gani07 View Post
    Magandang Araw...

    I am planning to purchase a SUV po. And i need your suggestions which is far better? Purchasing it thru CASH(assuming na may ganun kalaking pera) or BANK LOAN???

    And hingi na rin po ako ng tips/guidelines if in case CASH PAYMENT(discounts, freebies etc.). I've heard kasi na agents do not entertain customers if cash payment.

    And at the same time kapag LOAN, san una dapat magpunta???DEALER or BANK???(medyo na confuse lang po ako sa other forums about bank loan.)

    Thanks in advance.
    For me, if you have enough cash from the bank, go for paying your car in cash. what i meant po ng enough cash ay yung kahit binayaran mo na yung car ay meron ka pa ring emergency fund for your family and business. Maliit lang kasi ng interest pa nakatago sa banko ang sobrang pera. but kapag nag-loan ka naman sa bank ay sobra naman ang taas ng interest rate nila....

  5. Join Date
    Jan 2010
    Posts
    367
    #15
    Quote Originally Posted by CVT View Post

    May nakapagbayad na ba rito ng kotse using your credit card?

    18.1K:rant:
    I tried once sir, but the car dealer did not accept my card, actually it's just the downpayment, worth 286,000.00 pesos that I was paying. Maybe, nakita rin nila that my intention is just to earn big points from the credit card provider...

  6. Join Date
    Jan 2010
    Posts
    367
    #16
    Quote Originally Posted by CVT View Post

    May nakapagbayad na ba rito ng kotse using your credit card?

    18.1K:rant:
    sana pwede rin po paylite, 24 months, parang zero interest..... hehehe

  7. Join Date
    Feb 2013
    Posts
    2
    #17
    Newbie here

    mga boss kung nag LOAN ako ng used car.
    1.san ba ako lalapit dealer o bank? siguro hanap ko mga 300k worth of car lng naman pang akin lng.
    2. kelangan ba may idown na o kahit wala?

    thanks po..

  8. Join Date
    Oct 2002
    Posts
    15,525
    #18
    Quote Originally Posted by parenglolx View Post
    Newbie here

    mga boss kung nag bank financing ako ng used car.
    1.san ba ako lalapit dealer o bank? siguro hanap ko mga 300k worth of car lng naman pang akin lng.
    2. kelangan ba may idown na o kahit wala?

    thanks po..
    try ama bank.
    may dp pa din, imho.

  9. Join Date
    Feb 2013
    Posts
    2
    #19
    san po ba ama bank? lan po interest rates nila? 3 years ko po balak sana po bayaran,,

  10. Join Date
    Nov 2007
    Posts
    145
    #20
    Quote Originally Posted by rmsoriano View Post
    I tried once sir, but the car dealer did not accept my card, actually it's just the downpayment, worth 286,000.00 pesos that I was paying. Maybe, nakita rin nila that my intention is just to earn big points from the credit card provider...
    usually yata 3-5% ang cut ng CC companies sa mga retailer kaya siguro decline ka sir na gamitin yung CC mo. paninin nyo sa mga electronics shop plus 5% ang surcharge pag card payment.

    BTT ang sarap siguro kung kaya mo bayaran sa CC yung mga entry level na sub compacts like Accent and the likes no . .
    meron kaya dealer na papayag
    tapos pa balance transfer mo sa ibang CC at .60% int per annum
    tipid ka sa chattel mortgage worth 17K siguro tapos laki pa ng points mo.

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Bank Loan or Cash Payment???