Bank PO = Discount from Dealer

**dr. d** · May 11th, 2017 11:27 PM

Originally Posted by reiyza

Ahh? Pwede manager's check. Ang hirap ibyahe ng 100k lalo na pag mag commute kalang papuntang baliuag. Uso tokhang.

Bali mabilis talaga mag approve si China Bank?

Oo nga. Di ko masigurado kung ung 70k e totoo o scam.

At least si mitsubishi sa n.e me binigay na discount ung agent sa akin. Kaso naka sama ung discount sa all in computation ng mirage glx nila. Meron din ako naka text na isang agente na up to 50k ung discount, kaso di naman ata naka duty nung araw na nagpunta ako sa mitsubishi.

actually, any cheque will do.
whatever cheque it is, they're not going to do anything until that cheque clears.

**reiyza** · May 12th, 2017 05:55 PM

Eto na guys ung computation ko. I'm not going for brio. Mirage na kukunin ko hopefully.

Unit price : 560,000 (glx-mt)
Discount : 50,000
Total price : 510,000
Down(20%) : 102,000
Amt financed(26%) : 526,680
Monthly (60months) : approx 8778
Insurance : (?) More or less 15(?) Sa chinabank daw manggagaling ung insurance e.
Chattel and mortgage : approx 15,000
LTO - 12,700

So dapat ba ang dala kong pera para ma out ko ung unit is.

Down 102,000 + chattel/mort 15,000 + insurance 15,000(?) + LTO 12,700?

Is 144,700 php? Or may mga dapat pa kong bayaran para mailabas ko talaga?

**kishAn** · May 12th, 2017 07:10 PM

Originally Posted by reiyza

Eto na guys ung computation ko. I'm not going for brio. Mirage na kukunin ko hopefully.

Unit price : 560,000 (glx-mt)
Discount : 50,000
Total price : 510,000
Down(20%) : 102,000
Amt financed(26%) : 526,680
Monthly (60months) : approx 8778
Insurance : (?) More or less 15(?) Sa chinabank daw manggagaling ung insurance e.
Chattel and mortgage : approx 15,000
LTO - 12,700

So dapat ba ang dala kong pera para ma out ko ung unit is.

Down 102,000 + chattel/mort 15,000 + insurance 15,000(?) + LTO 12,700?

Is 144,700 php? Or may mga dapat pa kong bayaran para mailabas ko talaga?

Per my mitsu agent yung 560k mirage is a 2016 unit. Yung 2017 mirage G4 1.2 GLX MT unit price is P650,000 and cash discount is P65,000

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**dr. d** · May 13th, 2017 01:03 AM

Originally Posted by reiyza

Eto na guys ung computation ko. I'm not going for brio. Mirage na kukunin ko hopefully.

Unit price : 560,000 (glx-mt)
Discount : 50,000
Total price : 510,000
Down(20%) : 102,000
Amt financed(26%) : 526,680
Monthly (60months) : approx 8778
Insurance : (?) More or less 15(?) Sa chinabank daw manggagaling ung insurance e.
Chattel and mortgage : approx 15,000
LTO - 12,700

So dapat ba ang dala kong pera para ma out ko ung unit is.

Down 102,000 + chattel/mort 15,000 + insurance 15,000(?) + LTO 12,700?

Is 144,700 php? Or may mga dapat pa kong bayaran para mailabas ko talaga?

ganun na nga po.
unless the bank has a few more rabbits hidden in its tophat...
perhaps you should ask the bank.

**reiyza** · May 13th, 2017 01:24 AM

*sir kishan - lol.. Bakit 50k lang binigay sakin

Sang mitsu yan sir? Baka me chance na lumipat hahaha

*sir dr. D - nakupo... Tight budget talaga ako... Sana wala nang hidden fees.

Estimate ko mga 150k lahat lahat eh. Kasama ung mga langis at gas? At miscellaneous?

**dr. d** · May 13th, 2017 10:23 AM

Originally Posted by reiyza

*sir kishan - lol.. Bakit 50k lang binigay sakin

Sang mitsu yan sir? Baka me chance na lumipat hahaha

*sir dr. D - nakupo... Tight budget talaga ako... Sana wala nang hidden fees.

Estimate ko mga 150k lahat lahat eh. Kasama ung mga langis at gas? At miscellaneous?

normally po, ay may tamang dami ng langis na ang makina, may ilang litro ng gasolina sa tangke, may spare tire at tools to replace a flat tire, at may owner's manual and warranty booklet. everything you need to make the vehicle road-worthy.
yung so-called freebies po, ay dealer-to-dealer options na yan. napag-uusapan po yan. dapat ay napag-usapan na nyo ng SA yan bago pa man mag-abot kayo ng salapi.
even the discounts po, ay dealer to dealer call. nagbibigay lang ng numero ang manufacturer, at si dealer na ang nag-babalasa ng mga figuras.

visit a few dealers, po, ask for written quotations, and see which catches your fancy.

**kamotekid1968** · May 13th, 2017 11:04 AM

curious lang dito sa: LTO - 12,700, since direct bank ito, bakit may bayad ang LTO? diba usually walang bayad ito? hmmm...

**kishAn** · May 13th, 2017 11:25 AM

Originally Posted by kamotekid1968

curious lang dito sa: LTO - 12,700, since direct bank ito, bakit may bayad ang LTO? diba usually walang bayad ito? hmmm...

Yep mostly free LTO registration

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**dr. d** · May 13th, 2017 11:28 AM

Originally Posted by kamotekid1968

curious lang dito sa: LTO - 12,700, since direct bank ito, bakit may bayad ang LTO? diba usually walang bayad ito? hmmm...

hindi po libre ang LTO. kahit sa palagay ni buyer na libre ito, ay sa totoo lang, binabayaran niya ito. magaling lang ang ibang financier na magbalasa at magtago ng halagang ito, sa binabayaran ng buyer. that's only 212 extra pesos a month in the monthly. i wouldn't be surprised, if financier made a little something on the side.
nakikita naman sa ORCR, kung magkano ang binayaran ng car owner.

i know of some SAs...

today.
magkano kotse?
600K. cash. libre LTO and insurance.

next month.
magkano kotse?
may discount promo, po! 30K discount. so, 570K lang.
papano LTO and compre? buyer to shoulder, po. 12K LTO and 15K compre.

**kishAn** · May 13th, 2017 11:35 AM

Originally Posted by dr. d

hindi po libre ang LTO. kahit sa palagay ni buyer na libre ito, ay sa totoo lang, binabayaran niya ito. magaling lang ang ibang financier na magbalasa at magtago ng halagang ito, sa binabayaran ng buyer. that's only 212 extra pesos a month in the monthly. i wouldn't be surprised, if financier made a little something on the side.
nakikita naman sa ORCR, kung magkano ang binayaran ng car owner.

Yep parang ganon, pero dapat hindi na magextra payment pa for the LTO registration. Kaya dapat the usual cash out should be DP, chattel fee, insurance. Sometimes if hindi kinuha sa ahente yung insurance TPL is not free

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