car loan

**jhaystrat** · May 21st, 2011 03:14 PM

hi newbie here

mostly info ive read are regarding car loans for brand new. pano kung used car? worth 200 below lang sana... is there a good buy at that price range? may magpapaloan kaya sakin (bank?)?

**n25** · June 7th, 2011 03:42 PM

A simple question guys, magkano ba dapat usually sinusweldo kung ang target mong sasakyan is worth P800k assuming yung longest paying terms ang kukunin? I'm asking para at least alam ko kung feasible pang mag-isip man lang bumili ng sasakyan na yun with my income :D

**shadow** · June 7th, 2011 04:05 PM

Originally Posted by jhaystrat

hi newbie here

mostly info ive read are regarding car loans for brand new. pano kung used car? worth 200 below lang sana... is there a good buy at that price range? may magpapaloan kaya sakin (bank?)?

meron age ng car lang tinatagap for loan for second hand car, kung ganyan kababa lang, magipon ka na lang, lugi ka diyan pag i loan mo pa yan, generally lugi mag loan ng second hand car.

Originally Posted by n25

A simple question guys, magkano ba dapat usually sinusweldo kung ang target mong sasakyan is worth P800k assuming yung longest paying terms ang kukunin? I'm asking para at least alam ko kung feasible pang mag-isip man lang bumili ng sasakyan na yun with my income :D

mahirap mag by the book eh, kasi ikaw nakakaalam ng mga expenses mo..so ikaw na magbilang kung kakayanin mo yun monthly amort. sa natitira sa sweldo mo after lahat ng gastos mo.

**keirsk** · June 8th, 2011 04:24 PM

Hi iam a newbie here and this a nice informational thread

**elbert** · July 2nd, 2011 06:13 AM

Ask ko lang kung no probs ba kung mag-additional carloan uli ako, sa ngayon meron na akong mina-monthly, financially kaya ko pagsabayin 2 carloan, question hindi ba masisilip ng ibang bank sa gagawin ko?

**pierce** · July 3rd, 2011 02:09 PM

A very informative thread. Mabuhay po kayo!

**pierce** · July 3rd, 2011 02:43 PM

Makapagtanong na rin po. Paano ba ang magandang proseso o diskarte? Kunwari you are sold to one particular unit, for example Kia Picanto na talaga gusto mo. Since you are opting for the best deal there is, mag iikot ka sa lahat ng dealers na top rate at maganda reviews at offers, then you haggle for discounts and freebies, and proceed to your preferred bank that will cater your car loan, and compare notes?

Or is it the reverse process, go to banks, check their rates and offers, once chosen a bank that suits you, then find a car dealership?

Thank you so very much in advance.

**millsguevarra** · July 3rd, 2011 10:51 PM

Originally Posted by pierce

Makapagtanong na rin po. Paano ba ang magandang proseso o diskarte? Kunwari you are sold to one particular unit, for example Kia Picanto na talaga gusto mo. Since you are opting for the best deal there is, mag iikot ka sa lahat ng dealers na top rate at maganda reviews at offers, then you haggle for discounts and freebies, and proceed to your preferred bank that will cater your car loan, and compare notes?

Or is it the reverse process, go to banks, check their rates and offers, once chosen a bank that suits you, then find a car dealership?

Thank you so very much in advance.

Hello Sir!

Medyo newbie rin ako pagdating sa car loans kaya ko binabasa tong thread na to.

From what I've read in the previous pages, when you directly go to a bank for your car loan, they would also be the one to find the "best" dealer for you. In other words, sila ang mag cacanvas for you.

An alternative would be to get quotations from different dealers and get the best deal yourself. Then go to a bank next.

But may nabasa ako sa previous pages na mas ok daw pag sa bank ka dumiretso. Can someone confirm this? Ano ba mas ok dumiretso sa bank or sa dealer muna?

Saan mas makakakuha ng mas malaking Discount at freebies? Thanks!