car loan

[JoYz13]

Hi. Ask ko lang gano kalaki diff ng car loan from company car loan? I have a neighbor kase who just recently bought an Xpander and grab nila the opportunity to buy because hindi daw sila mamroblema for the 17k monthly payment dahil bibigyan daw sila ng company ng 30k monthly? [emoji44] And by the way, umabot daw ng 1.7M Xpander nila because of the interest. What confuses me, is instead na sila magbayad sila pa babayarin ng 30k monthly? Anyone pls enlighten me? Hehe. Thanks


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[dr. d]

Hi. Ask ko lang gano kalaki diff ng car loan from company car loan? I have a neighbor kase who just recently bought an Xpander and grab nila the opportunity to buy because hindi daw sila mamroblema for the 17k monthly payment dahil bibigyan daw sila ng company ng 30k monthly? [emoji44] And by the way, umabot daw ng 1.7M Xpander nila because of the interest. What confuses me, is instead na sila magbayad sila pa babayarin ng 30k monthly? Anyone pls enlighten me? Hehe. Thanks


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it's probably the company car plan, po. the employee is entitled to 30K monthly, from which they may get to pay for the monthly payments.
each company probably has its own program.
lucky employees.
heh heh.

[JoYz13]

it's probably the company car plan, po. the employee is entitled to 30K monthly, from which they may get to pay for the monthly payments.
each company probably has its own program.
lucky employees.
heh heh.

I see, Thanks!

Lucky employees indeed! Sana all hehe


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[Egan101]

If I have 30k monthly coverage for a car plan, I would look at better options rather than an Xpander. You can get a CUV or PPV for that amount of money.

By the way, some car plans have no cost whatsoever to the employee. The employee just gets to choose the color of their choice. Some even have free maintenance, free insurance, free registration, and free gas bundled into the plan.

[papots98]

Hello can someone help us what to do? Matagal na kasi kami nag apply for auto loan, syempre dahil farming business lamg kami, kapit nalang kami sa co maker, after a month pa nag respond yung bank na di daw nakapasa as co maker yung pinili namin, inspite of the vulgar CI na ginawa nila, pinuntahan properties namin lahat lahat pati employer ng co maker namin, personal pinuntahan ng bank but in the end, di daw sila fit as co maker kasi daw di gaano kalaki cash flow nila sa savings acct. nila, so ayun akala namin okay na yun, yun pala hinahanap nilang co maker is mayaman, YUNG MAY MALAKING CASH SAVINGS, so we changed the co-maker na with large amount of money, so ayun positive positive lang sinasabi ng s.a sa amin. Question is matagal po ba talaga aabutin pag mag change co maker ka? co maker namin na bago is dun na bank depositor kung saan na bank ang nag cater sa aming application. Hayssss mag dadalawang buwan na kaming waiting nakakawala ng excitement. Nung nag apply kami for auto loan kung saan kami depositor after a month approved na, wala masyadong bulgaran na CI. pero tong UCPB mabagal. (take note nag inhouse kami knowing mas mabilis kaysa direct sa ibamg bank)

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[shadow]

Hello can someone help us what to do? Matagal na kasi kami nag apply for auto loan, syempre dahil farming business lamg kami, kapit nalang kami sa co maker, after a month pa nag respond yung bank na di daw nakapasa as co maker yung pinili namin, inspite of the vulgar CI na ginawa nila, pinuntahan properties namin lahat lahat pati employer ng co maker namin, personal pinuntahan ng bank but in the end, di daw sila fit as co maker kasi daw di gaano kalaki cash flow nila sa savings acct. nila, so ayun akala namin okay na yun, yun pala hinahanap nilang co maker is mayaman, YUNG MAY MALAKING CASH SAVINGS, so we changed the co-maker na with large amount of money, so ayun positive positive lang sinasabi ng s.a sa amin. Question is matagal po ba talaga aabutin pag mag change co maker ka? co maker namin na bago is dun na bank depositor kung saan na bank ang nag cater sa aming application. Hayssss mag dadalawang buwan na kaming waiting nakakawala ng excitement. Nung nag apply kami for auto loan kung saan kami depositor after a month approved na, wala masyadong bulgaran na CI. pero tong UCPB mabagal. (take note nag inhouse kami knowing mas mabilis kaysa direct sa ibamg bank)

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Sino Co-maker ninyo diba dapat relatives? Dapat pareho yun last name?


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[papots98]

Sino Co-maker ninyo diba dapat relatives? Dapat pareho yun last name?


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yep, first co maker kapatid ng mama ko. both govt. employed still declined kasi konti lang cash flow nila sa kanilang savings acct. second co maker namin is kapatid ng papa ko. as per bank dapat daw relatives lang ang pwede i co maker. bank is still saying na for approval of policy exception. then nung friday lang na pirmahan DAW. i dont know baka ma decline or ma approved na ba. matagal tagal na kasi almost 2 months na.

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[shadow]

yep, first co maker kapatid ng mama ko. both govt. employed still declined kasi konti lang cash flow nila sa kanilang savings acct. second co maker namin is kapatid ng papa ko. as per bank dapat daw relatives lang ang pwede i co maker. bank is still saying na for approval of policy exception. then nung friday lang na pirmahan DAW. i dont know baka ma decline or ma approved na ba. matagal tagal na kasi almost 2 months na.

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Same bank ba pinagapplyang ninyo ng dalawang loan? Baka kaya natagalan dahil nagtaka lang sila bakit magkasunod after ng decline.

Bakit hinde na lang kayo mismo mag apply and wala ng Co-makef? Complete naman papers ninyo?


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[ninjababez]

Same bank ba pinagapplyang ninyo ng dalawang loan? Baka kaya natagalan dahil nagtaka lang sila bakit magkasunod after ng decline.

Bakit hinde na lang kayo mismo mag apply and wala ng Co-makef? Complete naman papers ninyo?


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pa OT lang,
ako wala co-maker pero sabi ni mary and resty noon lagyan ko daw just incase. eh kung mag default ako nadamay pa yun co-maker LOL

[papots98]

via inhouse kasi kami, wala kasing ibang bank na nag cacater ng mga farmer or farming ang monthly income aside sa kanila. advise daw kasi yun ng bank sa S.A namin na palitan ang co maker kasi mababa yung cash flow nila sa kanilang bank acct.

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[shadow]

via inhouse kasi kami, wala kasing ibang bank na nag cacater ng mga farmer or farming ang monthly income aside sa kanila. advise daw kasi yun ng bank sa S.A namin na palitan ang co maker kasi mababa yung cash flow nila sa kanilang bank acct.

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What do you mean walang bank na nag cater pag farming ang business? Business is business. You have a legitimate source of income.

Nag try ba kayo mag apply directly sa bank?

Yun sabi ng SA dahil meron siyang cut sa inyo pag dumaan kayo ng in house kesa directly kayo sarili mag loan sa bank.

Senior na ba parents mo? Kaya kailangan ng Co-maker pag senior na sila.
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[aNthraxx]

Andaming mayaman na farmer. Do you file yearly income tax? Money in your bank and ITR lang absolute na documents needed. The more money you have sa bank the faster the approval, minsan yan same day antayin mo lang to follow na PO. Ako si Mrs. Lang co maker ko.

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[papi smith]

Yan din inisip ko, di ba lahat may MRI? Kaso, baka kasi since it was co-mortgaged kaya hinabol pa rin co maker

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[shadow]

Yan din inisip ko, di ba lahat may MRI? Kaso, baka kasi since it was co-mortgaged kaya hinabol pa rin co maker

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Walang MRI ang car loan.


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[papi smith]

I like the sound of that... The power to choose

[papi smith]

Bank of d p Aylands at Banko Be oro

[papi smith]

Ayos naman yang 14k average annual premium, parang cover lang sa 560k, ang usual issue lang naman sa BPI insurance is Yung hirap Ng claim

[misseksaherada]

Ayos naman yang 14k average annual premium, parang cover lang sa 560k, ang usual issue lang naman sa BPI insurance is Yung hirap Ng claim

based po sa reviews nga ganun daw po BPI hehehehe pero mas ok na lang din Sir kung wag na lang ako mag claim.. Oks lang sakin magbayad.. basta safe.. [emoji41] [emoji56]

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[gelo_30]

based po sa reviews nga ganun daw po BPI hehehehe pero mas ok na lang din Sir kung wag na lang ako mag claim.. Oks lang sakin magbayad.. basta safe.. [emoji41] [emoji56]

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hi newbie here, ask ko lang po anung pagbabasehan ng starting date ng monthly amort mo. ung date ng downpayment or date ng releasing ng sasakyan. salamat sa sasagot.

[_Qwerty_]

usually nag start yan within 1 month after ma release yung sasakyan.. depende sa cutoff nang banko..

sa akin Dec. 23 ko nakuha.. 1st amortization Jan. 12.

hi newbie here, ask ko lang po anung pagbabasehan ng starting date ng monthly amort mo. ung date ng downpayment or date ng releasing ng sasakyan. salamat sa sasagot.