car loan

[weezing]

I'm a newbie when it comes to car loan. Binigyan ako ng approval ng UnionBank for a car loan. I was wondering if possible bang ilipat yung direct bank approval from them to an in-house deal? I want to get the low dp kahit at the expense of higher MA. TIA

[kishAn]

I'm a newbie when it comes to car loan. Binigyan ako ng approval ng UnionBank for a car loan. I was wondering if possible bang ilipat yung direct bank approval from them to an in-house deal? I want to get the low dp kahit at the expense of higher MA. TIA

yes pwede. just ask your agent, he/she know what to do and mas gusto ng ahente ang in house financing


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[red_888]

Guys nagtry kami mag pa compute and pa approved thru 2 dealers... no commitment naman, fortunately wife got approved sa psbank daw meron daw kasi siya savings acct.

Question is what if direct kami magpunta sa psbank and apply to get a lower rate possible ba?

Thanks.

[kishAn]

Guys nagtry kami mag pa compute and pa approved thru 2 dealers... no commitment naman, fortunately wife got approved sa psbank daw meron daw kasi siya savings acct.

Question is what if direct kami magpunta sa psbank and apply to get a lower rate possible ba?

Thanks.

yes possible to transfer just cancel the approval from the dealer and have it transfer to your branch for direct application and lower rate but brand should be different


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[red_888]

yes possible to transfer just cancel the approval from the dealer and have it transfer to your branch for direct application and lower rate but brand should be different


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Thanks kishan...what do you mean brand should be different?.... we tried toyota wigo and the other is mitsubishi mirage...what if sa other dealer na ko if oks sa branch namin.

[kishAn]

Thanks kishan...what do you mean brand should be different?.... we tried toyota wigo and the other is mitsubishi mirage...what if sa other dealer na ko if oks sa branch namin.

ygpm


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[TanJen]

I have an approved autoloan sa isang bank, but when I called them, the brach was was too far from my residence.
But since I want to finalized my autoloan processing, sabi ko hanap niya na ko ng dealer. In short payag na ko makipag-deal sa kanila since yung dealer they offer was nearer to my residence, except the bank.
Now my dilemma is, if and when everything is finalized, do I need to go to that bank/branch (roughly 65km from my house) during the signing of documents? Or doon sa dealer ang pirmahan ng mga documents?
Also, roughly how many times do in need to go their branch during the whole course of my loan.
Hoping to get your input guys, thanks in advance.

[TanJen]

in relation to above post...
By the way, I initially applied in-house. But due to bad accommodation and inconsistency of DP/freebies, I started calling my appoved financer/bank.

[kamotekid1968]

afaik, you have to. you have to pay for the DP and sign some legal docs from the bank. once all set, the PO will be forwarded to your dealer and your dealer will contact you once the unit is available to be released.

[weezing]

yes pwede. just ask your agent, he/she know what to do and mas gusto ng ahente ang in house financing


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Spoke with one of the SA's. They do allow it pero panibagong approval na naman with bank and worst they can't guarantee that you'll be approved. Hahaha.