BPI loan

**fleettkr** · January 17th, 2014 07:18 PM

Need your help guys! ask k lng po nagloan me s bpi yung interest rate nila is 25.58% for 5yrs approved na nung pipirma n lng me for monthly payment nkita ko mataas ang amount n nkalagay, ask k sila why iba computation nila una ask dw muna nila s mitsubishi then sbi nila nanghihinge ng dealer incentive kaya iba ang computation.ganun po b tlga yun khit tru bank k na nagloan?thanx!

**Leo_Arz** · January 17th, 2014 07:31 PM

Originally Posted by fleettkr

Need your help guys! ask k lng po nagloan me s bpi yung interest rate nila is 25.58% for 5yrs approved na nung pipirma n lng me for monthly payment nkita ko mataas ang amount n nkalagay, ask k sila why iba computation nila una ask dw muna nila s mitsubishi then sbi nila nanghihinge ng dealer incentive kaya iba ang computation.ganun po b tlga yun khit tru bank k na nagloan?thanx!

Taas naman rate?? Dapat sana bpi family bank or BDO or psbank. I suggest mag direct ka sa bank kc pag sa casa me percentage pa cla, ambilis nga lng magpa approve...

**fleettkr** · January 17th, 2014 07:45 PM

Direct Bpi nga po ako nag loan, mataas po b yan?check with casa mas mataas po rate nila compare bpi kaso nanghihinge ang mitsubishi ng incentives.paano po ba pag ganyan ang scenario pag s bank?

**MonteroGLSV** · January 17th, 2014 07:46 PM

Originally Posted by Leo_Arz

Taas naman rate?? Dapat sana bpi family bank or BDO or psbank. I suggest mag direct ka sa bank kc pag sa casa me percentage pa cla, ambilis nga lng magpa approve...

I think sir reasonable naman rate ng BPI for 5yrs cguro kunti lang diff nila sa PS or BDO.

pwede mo haggle yan sir tanggalin nila ung DI.

Goodluck

**fleettkr** · January 17th, 2014 08:05 PM

Originally Posted by MonteroGLSV

I think sir reasonable naman rate ng BPI for 5yrs cguro kunti lang diff nila sa PS or BDO.

pwede mo haggle yan sir tanggalin nila ung DI.

Goodluck

Any advice po n pwede gawin para mkipagbargain?sino po ba magdecide regarding dyan si bpi or si mitsubishi ang skin lng bkit maglgay si bpi ng ganung loan rate then may additonal n after ok n lahat not knowing the client n may ganun pala.

**joemarski** · January 17th, 2014 08:13 PM

^ At saka kalokohan 'yang kung kailan magpi- pirmahan na eh bigla na lang may lalabas na DI.
At bigla na lang tataas ang nakalagay na amount?!? Baka ang akala nila eh kahapon ka lang ipinanganak.

Lagi niyong siguruhin na ang pipirmahan niyong mga kontrata ay ayon sa inyong mga napagkasunduan.
Read all the terms contained therein before signing. Take your time... Dapat walang labis, walang kulang.
Tsk- tsk- tsk... Ingat lang sir, laging humahanap ng pagkakataon ang mga manloloko. :mad:

**valskie01** · January 17th, 2014 08:18 PM

Originally Posted by fleettkr

Need your help guys! ask k lng po nagloan me s bpi yung interest rate nila is 25.58% for 5yrs approved na nung pipirma n lng me for monthly payment nkita ko mataas ang amount n nkalagay, ask k sila why iba computation nila una ask dw muna nila s mitsubishi then sbi nila nanghihinge ng dealer incentive kaya iba ang computation.ganun po b tlga yun khit tru bank k na nagloan?thanx!

Ano ba interest rate ba nila sa first computation? Within range pa naman(5.-5.5% per annum) yung quotation sayo. Sa bdo they gave me 19.16% for 4yrs. Yung ayaw nila babaan yung rate try to haggle na free nalang chattel mortgage or insurance.

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**leodawesome** · January 17th, 2014 08:48 PM

Ano ba yung model na bibilin mo at may dealer incentive yan? Kung direct sa bank ka nagapply bakit may pumasok na na dealer sa picture? Might as well go to another dealer, iisahan kapa nyan.

**fleettkr** · January 17th, 2014 08:55 PM

Originally Posted by leodawesome

Ano ba yung model na bibilin mo at may dealer incentive yan? Kung direct sa bank ka nagapply bakit may pumasok na na dealer sa picture? Might as well go to another dealer, iisahan kapa nyan.

MS GLS-V ang unit po sir. Kaya nga e bakit may DI pa e direct sa BPI nman kami nag apply. Yun daw kasi sabi nung taga bpi kaya iba ang computation lumabas.

**yebo** · January 17th, 2014 09:35 PM

Don't sign, tell bpi lipat ka na lang ng bank. And lipat ka din ng dealer. Make them aware why you made the decision, that you will not let them fool you. And tell them you will let other people know of what they tried to do.