car loan

[playplugg]

mga sir, paanong icompute dealer incentive? 3% kasi hinihingi nila.

Hingi po kayo ng OR sir lery24, kung meron po kayong gahaman na sales agent na nagsisingil ng dealer incentive,
(BIR registered) kung talagang allowed sila maningil ng dealer incentive,

kasi illegal po ang pag-singil ng dealer incentive sa buyer! bonus ng ahente po yan, pag naka-quota sila ng units kailangan nila.
between the company or bank na ang magbibigay po yan, depende sa usapan nila.

[999]

Up!

We applied for a 2014 Toyota Innova J Gas M/T Nung Sunday. sabi ni agent ipasa niya daw Monday (Kahapon 10/27/14) Inhouse namin ipapasok. Anyway, sabi niya rin na ipapasa niya ito sa iba't ibang bank and will take 3 to 5 business days bago malaman if approve or hindi. totoo ba yun? diba usually 1 or 2 days lang?

1. Bakit kailangan ipasa sa iba't ibang bank?
2. Does their comm. differ on which bank will approve the loan? Example: pag si UCPB nag approve mas malaki makuha nila as Dealer incentive? or pag si EWB mas malaki. ganun ba kalakaran nun?
3. May tumawag samin kanina (Monday ng hapon) for CI then tinext namin siya agad, she replied na "sabihan daw siya if may tumawag ulit". after siguro mga 2 to 3 mins. does that mean hindi kami na approve dun sa bank na tumawag? (Although right after lang namin ibaba yung phone e tinext namin siya agad)

Thanks sa mga sasagot!

if you went directly to a dealer, this is their normal set up . to submit your profile / application to several banks and to get better chances of getting approve. but for myself , I only suggest getting it with my Acct officer, I got my 3 cars (auto loan) from her bank and so far she gave me good advices and the monthly amortization is really the best among all banks.

[ano727]

if you went directly to a dealer, this is their normal set up . to submit your profile / application to several banks and to get better chances of getting approve. but for myself , I only suggest getting it with my Acct officer, I got my 3 cars (auto loan) from her bank and so far she gave me good advices and the monthly amortization is really the best among all banks.

Which bank is that bro? Thanks.

[jaysonae]

Just to share I got recently my Lancer Ex thru BPI Autoloan for 36 months with 13.80% interest and 20% dp.. I applied thru online lng... no hassle at ikaw pa ppunthan ng loan officer to sign the papers..

[Gradius]

Pasensya na po. May question din po ako hindi pa po kasi ako makapagstart ng thread. Bali may problema po ako sa credicard 10 years ago nung nagkasakit anak ko nagamit ko sa hospital in short deliquent po ako. Maapprove po ba ako sa Bank? Pero I'm good payer po in other bills like sa mga internet connection or phones under my name and etc. Hindi ko lang po talaga kinaya yung interest sa CC before. Wala na po ba akong pagasa sa financing. SO in-house financing pwede po ba? Kaso diba mas maganda po sa bangko? Currently working ako abroad and monthly ako nagreremit ng pera around 50k sa bank ko. Balak ko sana dun magconsulta for bank loan pero natatakot po ako na mareject . Pano po kaya gagawin ko? (pauwi napo ako ng feb because my contract just finished)

[billygoat993]

If paid and settled na po problem
Nyo sa credit card and tou can show bank statement wala po priblem. Pag hindi pa settle problem sa credit card you can't po kasi babagsak sa CI.

[garic]

Pasensya na po. May question din po ako hindi pa po kasi ako makapagstart ng thread. Bali may problema po ako sa credicard 10 years ago nung nagkasakit anak ko nagamit ko sa hospital in short deliquent po ako. Maapprove po ba ako sa Bank? Pero I'm good payer po in other bills like sa mga internet connection or phones under my name and etc. Hindi ko lang po talaga kinaya yung interest sa CC before. Wala na po ba akong pagasa sa financing. SO in-house financing pwede po ba? Kaso diba mas maganda po sa bangko? Currently working ako abroad and monthly ako nagreremit ng pera around 50k sa bank ko. Balak ko sana dun magconsulta for bank loan pero natatakot po ako na mareject . Pano po kaya gagawin ko? (pauwi napo ako ng feb because my contract just finished)

Sir, you will most likely be denied with bank financing. If in-house, you have a chance to get approved, but interest will most likely be outrageous (the higher interest rate due to your record with your unpaid credit card).

Best thing to do is to pay the credit card first. Call the bank and say that you are willing to settle, please ask for lower interest rates. Note that your case will most likely be with a collection agency (which your credit card issuer will be able to refer you). If you get to talk to the collection agency, ask for a lower interest rate on the payment.

[kimaquino]

hi!

first time din po ko kukuha ng car ko, what I want to know first is ano po bang bank ang may pinakamababang interest rates when it comes to car loans.



Thanks!

[Syuryuken]

hi!

first time din po ko kukuha ng car ko, what I want to know first is ano po bang bank ang may pinakamababang interest rates when it comes to car loans.



Thanks!

backread.... backread.... at backread pa........

- - - - - - - - - - - - - - - - - - - - - -

hi!

first time din po ko kukuha ng car ko, what I want to know first is ano po bang bank ang may pinakamababang interest rates when it comes to car loans.



Thanks!

backread.... backread.... at backread pa........

[zerglingboy]

backread.... backread.... at backread pa........

- - - - - - - - - - - - - - - - - - - - - -



backread.... backread.... at backread pa........

loanable amount 485,000
36 months : 15,575

ok na po ba ito?

PNB

[Lew_Alcindor]

loanable amount 485,000
36 months : 15,575

ok na po ba ito?

PNB

Php15,575 x 36 mos = Php560,700

(Php560,700 - Php485,000) / Php485,000 * 100% = 15.61% ~5.2% per year. Just about right, IMO. Check mo din ang going rate para ma-compare mo.
[/QUOTE]

Php15,575 x 36 mos = Php560,700

(Php560,700 - Php485,000) / Php485,000 * 100% = 15.61% ~5.2% per year. Just about right, IMO. Check mo din ang going rate para ma-compare mo.

[dos2]

loanable amount 485,000
36 months : 15,575

ok na po ba ito?

PNB

Used the BPI loan calculator with the same term and I got 15,578 which is just a 3 peso difference. I guess the rate provided to you is acceptable but nothing will be lost if you haggle more with your bank personnel or try applying with other banks especially if you are not in the hurry to own the car yet.

[dos2]

Try nyo PSBANK sa mga auto loans nyo mga katsikot

Standard One month advance

12 mos 5.05% 4.33%
18 mos 7.60% 6.83%
24mos 11.02% 10.17%
36mos 16.90% 15.96%
48mos 22.96% 21.94%
60mos 29.61% 28.48%

Kapag existing depositor or repeat client ka sa loans nila, pwede pang magpa-approve ng lower rates dyan.
guaranteed fast approval and unit release can be done the next day, if kumpleto kgad requirements mo
by the way, ang requirements lang ng PSBank is latest ITR and IDs lang

Email me at bmflorencio*psbank.com.ph, if interested.

thanks guys

Bawal yang ginagawa mo. Don't flood multiple threads just to generate sales. Forum to hindi bentahan.

[Lew_Alcindor]

Bawal yang ginagawa mo. Don't flood multiple threads just to generate sales. Forum to hindi bentahan.

Okay lang yan at least updated tayo sa psbank rates. Better than those pyramiding / mlm scam ads.

[cast_no_shadow]

Okay lang yan at least updated tayo sa psbank rates. Better than those pyramiding / mlm scam ads.

Pero to post it again and again and again and again sa lahat ng threads related to autoloans? aba eh ibang usapan na yan.

besdies wala naman ads dito re: MLMs

[shadow]

Okay lang yan at least updated tayo sa psbank rates. Better than those pyramiding / mlm scam ads.

No it's not

[Yuki13]

No it's not

yeah, it's not okay. he posted 19 times and counting

[Juan Martinez]

yeah, it's not okay. he posted 19 times and counting

yes I agree...I think we have a rule here about advertisements

[dct]

Ban na yan. Nakakainis pag multiple thread

[sylphunter]

haha mas malala pa ito kay philsat ah. hindi ba naiintindihan ng mga ahente na ito na kapag ganyan ang bevahior nila e lalo lang silang walang makukuhang deal?
*#$%&*?+!