car loan

[dos2]

Thanks Juan Martinez. What I meant on my question was if mag bank financing ba ko TODAY, aabot pa ba ung timeline ko ng processing, approval and all before the yr end which is the implementation of excise tax?

The scenario here is im approved via inhouse financing and will surely get my unit before the yr end. If ever I changed my financing to bank and di ko makuha ung unit before yr end, d ba almost same ung price na bbyaran ko because of the excise tax which almost above 100k.

Nobody can guarantee that. I honestly don't believe in "sure" units unless nagkapirmahan na kami ni dealer. Even if in-house, if there are no units, tatalon ka pa rin sa 2018. Depende din yan sa dealer (not brand) kung gaano sila kabilis mag process or kung ikaw priority nila.

Even yung excise tax rate nga pinagdedebatehan pa rin ngayon ng bicam.

With your situation, I would assume that the vehicle you are purchasing is beyond 1M since the estimated excise tax increase is more than 100K. Excise tax or not, you are better off (interest rates wise) to choose bank financing than in-house.

[TheUninvited]

May nakapag try na ba mag bayad ng down payment sa dealership via BPI transfer to anyone? Haha

I did that kase sa reservation fee, pero it's a mere 2k php.

Wondering if kaya pag transfer ng 6 digits para hindi na ako mag withdraw ng cash sa bank and wala akong checking account.

Sa dealership kase ako pinagbabayad..

[tr1ck5h07]

May nakapag try na ba mag bayad ng down payment sa dealership via BPI transfer to anyone? Haha

I did that kase sa reservation fee, pero it's a mere 2k php.

Wondering if kaya pag transfer ng 6 digits para hindi na ako mag withdraw ng cash sa bank and wala akong checking account.

Sa dealership kase ako pinagbabayad..

Afaik, bpi transfer to anyone has a max limit of 50k per account per day.


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[shadow]

May nakapag try na ba mag bayad ng down payment sa dealership via BPI transfer to anyone? Haha

I did that kase sa reservation fee, pero it's a mere 2k php.

Wondering if kaya pag transfer ng 6 digits para hindi na ako mag withdraw ng cash sa bank and wala akong checking account.

Sa dealership kase ako pinagbabayad..

Manager's cheque.


Sent from my iPhone using Tapatalk

[dr. d]

i do not believe in "sure units", either.
there's bound to be some unfortunate guy, if there are more orders than there are stocks.
so, unless they are giving me the key and it fits the car i am sitting in...

[jon_212405]

Guys,

Is 24.5% for 5 years a good deal? I have got it from PSBANK Caloocan. i think this is one of the lowest we can get. Here is the mobile number if anyone is interested, 09985369247

[midz+dem]

Thanks sa reply. Tinawagan na lang ni BPI yung SA ko. Then I received a quote from BPI. The rates are very close sa online calculator.

Free 1yr compre, asking pa if may lockin.

Chattel is not free at almost 16k.

Bali total cashout is yung dp + chattel.

Ask for coverage and conditions ng free 1st year.
Kung total wreck or loss you have to pay the premium DAW!

[Jheh]

Guys need your help. Kasi initially nagapply ako sa ng car loan sa online at naaprubahan ako ni BDO for Toyota avanza. However napagkasunduan ng pamilya na Suzuki Ertiga nalang ang kukunin, now sabi ng mga nakausap kong SA's sa Suzuki kailangan daw palitan ung approval from Toyota to Suzuki, so nagrequest na ako at nagsend na rin ng request letter sa dealer. Kaso until now mahina ang feedback ng mga SA's sa akin kahit pa sinabihan ko na ng pagbayad ng DP within the day. Pwede bang ako nalang pumunta sa delear directly at I bypass na ung mga SA's?

[dos2]

Guys need your help. Kasi initially nagapply ako sa ng car loan sa online at naaprubahan ako ni BDO for Toyota avanza. However napagkasunduan ng pamilya na Suzuki Ertiga nalng ang kukunin, now sabi ng mga nakausap kong SA's sa Suzuki kailangan daw plitan ung approval from Toyota to Suzuki, so nagrequest na ako at nagsend na rin ng request letter sa dealer. Kaso until now mhina ang feedback ng mga SA's skin kahit pa sinabihan ko na ng pagbayad ng DP within the day. Pde bng ako nlng pmunta sa delear directly at I bypass na ung mga SA's?

Dapat si BDO ang kausap mo kung magpapalit ka from Toyota Avanza to Suzuki Ertiga, not the SA kasi si bank naman ang uutangan mo.

[dos2]

Guys,

Is 24.5% for 5 years a good deal? I have got it from PSBANK Caloocan. i think this is one of the lowest we can get. Here is the mobile number if anyone is interested, 09985369247

That's a good deal per my experience. Either you are somewhat a VIP client of that bank or your DP portion is quite huge.