car loan

**jeDi13** · March 10th, 2009 06:09 PM

OT: ahaha.. natawa naman ako run.. bayaan mo na sir, safe naman post niya kasi may "/" hehe..

bilhin mo nalang in cash. sayang lang yung ibabayad mo sa interest pag nag-loan ka. instead na makamura ka, mapapamahal ka pa tuloy.

**aNthraxx** · March 10th, 2009 08:27 PM

Originally Posted by jeDi13

OT: ahaha.. natawa naman ako run.. bayaan mo na sir, safe naman post niya kasi may "/" hehe..

bilhin mo nalang in cash. sayang lang yung ibabayad mo sa interest pag nag-loan ka. instead na makamura ka, mapapamahal ka pa tuloy.

IMO credit is a great tool...it just requires planning and staying on track to your plan. Used it several times already be it starting my business or acquiring goods, worked like a charm so far..but of course different strokes for different folks.

**mazzipino** · August 4th, 2009 04:43 PM

Just read all 10 pages of this thread. Very informative if you're looking to take out an auto loan.

Like many have said already, Mazinger is a very informative and helpful guy, contact him if you need help (Mazinger, can I make huling tawad for my interest rate?

haha)

**tatzkiboy** · August 10th, 2009 04:53 PM

I Have my own company..
But the thing is, im registered as its president and all, but (here's the catch) i only collect a Php10k monthly salary (the other income i recieve is from that company's dividends mas mataas kasi cut ko if i only draw a minimum salary)

I Have ITR and whatnot, but will the bank still approve my loan application? i got show money of 200k in my bank accnt naman... kaya ba yun???

PLUS! i want to buy a second hand car direct from the owner. Paano yun? Will the bank just give me the cash and ill give it to the first owner tapos bigay ko sa bank yung OR/CR nung CAr?

HELLLPPP!!!

**eee7** · July 31st, 2010 10:47 AM

Help naman.

I applied for a PS Bank Auto Loan via my Car Dealer. Mag-iisang linggo na pero wala pa result. Denied na ba ako pag ganito?

**wifi21** · August 17th, 2010 08:51 PM

Originally Posted by eee7

Help naman.

I applied for a PS Bank Auto Loan via my Car Dealer. Mag-iisang linggo na pero wala pa result. Denied na ba ako pag ganito?

HI Sir,

Kindly PM me. I can help you out with your application.

**mackie0321** · August 17th, 2010 11:52 PM

Tanong lang po sa mga expert sa car loans,

Possible kaya na ma-approve ako sa loan. My sister abroad is planning to buy a second hand car worth 300k and we can give 50-60% downpayment. Problem is 1 month pa lang siya doon. So wala talagang malinaw na documents para i-submit. And my plano din siyang bumalik agad dito so hindi rin aabot ng 3 months (sabi 3 mos remittance statements daw).

So ngayon naghahanap ako ng tips/technique para maka-kuha ng loan kasi inuutusan talaga ako ng ate ko abroad to get one.

May nakilala akong SA ng Toyota sa mall and nagtanong din ako sa kanya (option din kasi namin ay brandnew pero pref namin is 2nd hand lang talaga) so I asked him kung possible na makakuha ng loan without any clear documents at all. Ang sabi niya POSSIBLE daw kung 50% ang downpayment namin on the spot. Kasi iisipin daw ng bangko na hindi naman daw siguro ipapahatak yung kotse kasi lugi daw yung bibili kung mahahatak tapos bayad na ang kalahating presyo.

We're planning to down 50-60% on the spot and pay the kalahating presyo within a year or two. So kung mataas rates hindi naman siguro ganoon kasakit (at siyempre pera naman niya yun). Ang problema kung ma-aapprove kaya kami sa banko or loan company?

Sa tingin niyo mga sir/ma'am?

Ideas and advices will be highly apppppreeeciiaaateddd!

Salamat po ng marami.

**tidus1203** · August 18th, 2010 12:20 AM

I am not into loans pero yeah a high downpayment is a huge reduction of risk towards the bank...

**wifi21** · August 18th, 2010 12:44 AM

Originally Posted by mackie0321

Tanong lang po sa mga expert sa car loans,

Possible kaya na ma-approve ako sa loan. My sister abroad is planning to buy a second hand car worth 300k and we can give 50-60% downpayment. Problem is 1 month pa lang siya doon. So wala talagang malinaw na documents para i-submit. And my plano din siyang bumalik agad dito so hindi rin aabot ng 3 months (sabi 3 mos remittance statements daw).

So ngayon naghahanap ako ng tips/technique para maka-kuha ng loan kasi inuutusan talaga ako ng ate ko abroad to get one.

May nakilala akong SA ng Toyota sa mall and nagtanong din ako sa kanya (option din kasi namin ay brandnew pero pref namin is 2nd hand lang talaga) so I asked him kung possible na makakuha ng loan without any clear documents at all. Ang sabi niya POSSIBLE daw kung 50% ang downpayment namin on the spot. Kasi iisipin daw ng bangko na hindi naman daw siguro ipapahatak yung kotse kasi lugi daw yung bibili kung mahahatak tapos bayad na ang kalahating presyo.

We're planning to down 50-60% on the spot and pay the kalahating presyo within a year or two. So kung mataas rates hindi naman siguro ganoon kasakit (at siyempre pera naman niya yun). Ang problema kung ma-aapprove kaya kami sa banko or loan company?

Sa tingin niyo mga sir/ma'am?

Ideas and advices will be highly apppppreeeciiaaateddd!

Salamat po ng marami.

Giving 50-60% dp is already a big help. Why don't you just stand as the principal borrower and your sister as the co-maker para mas madali. PM me so I can tell you more about it. Perhaps we process your application as early as now just to check whether you or your sister will be approved or not. Don't worry, application process doesn't need any documents/requirements pa. It's more on credit investigation lang then after 24 hours, you'll know the results na. It will help you a lot coz if you decide to buy soon, at least alam mong approved ka na. Don't worry, no commitments naman pag approved ka because na sayo parin if you will pursue with the availment or not. Hope I was able to help.

**psycotrompus** · September 8th, 2010 11:40 AM

i hope this is the right thread, but anyway, i contacted one SA in Quezon Ave branch, and he said na pag sa bank daw yung financing ko, kailangan daw may 3% dealer's incentive, which is quite high compare to what i read sa other thread na 1-2% lang d.i. nila. please help kung pano ko mapapababa pa yun. tia