car loan

[deltaV]

Metro bank is having a special rate for car loan till setp. Have to check it out.
Ilang % ba talaga anually sa car loan? mababa na ba yun around 12% for two year?

I applied for auto loan sa MBT, approved sya today. Interest is 7.99% 36 mos.
Gusto kong unit is innova G aut, at 40%dp.
No free insurance. Okay na ba yung deal na yun? I also applied in BPI still waiting for their response.

[Syuryuken]

Magkano pag 3 yrs. Sir?

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no idea sa 3 years sir.

[aioshin]

Hi Fellow Tsikoters,

Tanong lang related sa Car Loan.

Halimbawa nag apply ako, kailangan ba meron nang ready na downpayment before or para ma approve or pwedeng ma approve tsaka mag decide kung magkano ang downpayment ko as loan applicant?

Salamat.

[kishAn]

Hi Fellow Tsikoters,

Tanong lang related sa Car Loan.

Halimbawa nag apply ako, kailangan ba meron nang ready na downpayment before or para ma approve or pwedeng ma approve tsaka mag decide kung magkano ang downpayment ko as loan applicant?

Salamat.

Kahit wala pang ready DP ok lang nman, yung iba is nagaapply lang to know kung maapprove sila or hindi although may validity period naman ang approval kaya may time ka pa para magipon


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[jumilae12]

Hello good day po!

I am interested buyer of Mitsubishi Mirage 1.2 GLX MT. I am employed in a construction company for 2 years and 8 months and a regular employee. i am from Ilocos but when i got my job i lived in Caloocan for 2 years, then i was assigned here in Davao for 8 months and planning to buy a car na dito. last year my gross income is 19k without overtime, then nung naassign ako out of town nag increase ako to 23,500 gross plus my mga out of town incentives pa po ako na di declared sa payslip kasi di sya taxable and direct nalang pumapasok sa account ko. Ngayon po these are my problems kung maaapprove ba ng bank:

1. 23,500 ang gross na nakalagay sa COE ko without out of town incentives indicated at may mga overtime pay pa po akong di rin nakasama sa COE ko which is umaabot ng 10k per month. pero ang total gross ko sana if Basic Salary + Incentives + Overtime umaabot po ng 38k.
2. 8 months palang po ako sa davao, magiging factor po ba na bago lang ako sa lugar? (company provided po ang bahay ko dito at 5 years pa po ako iaassign ng company namin dito)
3. wala po akong co-maker kasi matanda na yung parents ko, sapat na ba yung item 1 para maapprove ako ng bank?
4. yung ITR ko is 2016 pa at ang nagrereflect na Annual gross ko pa is yung 19k pa.

Sana po masagot yung questions ko, first time buyer po kasi. Thanks

[jumilae12]

Hello good day po!

I am interested buyer of Mitsubishi Mirage 1.2 GLX MT. I am employed in a construction company for 2 years and 8 months and a regular employee. i am from Ilocos but when i got my job i lived in Caloocan for 2 years, then i was assigned here in Davao for 8 months and planning to buy a car na dito. last year my gross income is 19k without overtime, then nung naassign ako out of town nag increase ako to 23,500 gross plus my mga out of town incentives pa po ako na di declared sa payslip kasi di sya taxable and direct nalang pumapasok sa account ko. Ngayon po these are my problems kung maaapprove ba ng bank:

1. 23,500 ang gross na nakalagay sa COE ko without out of town incentives indicated at may mga overtime pay pa po akong di rin nakasama sa COE ko which is umaabot ng 10k per month. pero ang total gross ko sana if Basic Salary + Incentives + Overtime umaabot po ng 38k.
2. 8 months palang po ako sa davao, magiging factor po ba na bago lang ako sa lugar? (company provided po ang bahay ko dito at 5 years pa po ako iaassign ng company namin dito)
3. wala po akong co-maker kasi matanda na yung parents ko, sapat na ba yung item 1 para maapprove ako ng bank?
4. yung ITR ko is 2016 pa at ang nagrereflect na Annual gross ko pa is yung 19k pa.

Sana po masagot yung questions ko, first time buyer po kasi. Thanks

[jumilae12]

Hello good day po!

I am interested buyer of Mitsubishi Mirage 1.2 GLX MT. I am employed in a construction company for 2 years and 8 months and a regular employee. i am from Ilocos but when i got my job i lived in Caloocan for 2 years, then i was assigned here in Davao for 8 months and planning to buy a car na dito. last year my gross income is 19k without overtime, then nung naassign ako out of town nag increase ako to 23,500 gross plus my mga out of town incentives pa po ako na di declared sa payslip kasi di sya taxable and direct nalang pumapasok sa account ko. Ngayon po these are my problems kung maaapprove ba ng bank:

1. 23,500 ang gross na nakalagay sa COE ko without out of town incentives indicated at may mga overtime pay pa po akong di rin nakasama sa COE ko which is umaabot ng 10k per month. pero ang total gross ko sana if Basic Salary + Incentives + Overtime umaabot po ng 38k.
2. 8 months palang po ako sa davao, magiging factor po ba na bago lang ako sa lugar? (company provided po ang bahay ko dito at 5 years pa po ako iaassign ng company namin dito)
3. wala po akong co-maker kasi matanda na yung parents ko, sapat na ba yung item 1 para maapprove ako ng bank?
4. yung ITR ko is 2016 pa at ang nagrereflect na Annual gross ko pa is yung 19k pa.

Sana po masagot yung questions ko, first time buyer po kasi. Thanks

[pinkies]

Question regarding car loan, if si hubby may CMAP problem damay pa rin ba ang wife in case si wife ang mag aapply ng car loan?

[jodski]

Question regarding car loan, if si hubby may CMAP problem damay pa rin ba ang wife in case si wife ang mag aapply ng car loan?

Yes

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[pinkies]

Yes

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even direct kami sa bank mag apply?