car loan

[manilamako]

DI is dealer's incentive Bigger demand, bigger DI. Try dealer hopping, nag vavary yan with every ahente you speak with haha

I forgot about CMF though sorry! Try asking the bank for CMF cost since nakalimutan ko na pano i compute. Should'nt be more than 10k though for the Mirage. So cash out mo should be around 150k. Try to haggle nga for free LTO and TPL bibigay yan ng desperadong ahente na gusto mag quota

[revans]

Add mo pa yung chattel mortgage mo which is more or less 2% - 3% ng loaned amount mo. Check mo sa BPI baka may promo sila na free insurance. Mataas yung 29% na interest rate (w/c might offset sa na-save mo sa free insurance if ever meron silang promo). Check mo sa metrobank baka may promo din, last time I checked nasa 25.xx% yung interest rate nila.

Free sa BPI 1 yr., insurance BUT nakatali ka sa kanila sa insurance during the duration of your loan, meaning auto renew ka sa BPI/MS... di ko lang natanung kahapon kung magkano yung premium ng insurance nila coz im planning to get a Vios 1.3E A/T.

[Huyu]

thank you mga sirs! super informative!

to sum it up (just correct nalang kung may kulang),
1. bank loan is better (given lower interest rates)
2. haggle for freebies!!! salamat sir boytsiks sa pukpok ulo hahaha! ^_^
3. there are other charges aside from the 20% down (roughly add additional 40k for this... yung DI, CM, etc.)

so with our example:
mitsubishi mirage 588k, mga 115k ang down, but with other costs around 150k (as stated by sir manilamako)
haaay! go go go lang! maraming salamat mga sirs!

[parak21]

Ok na ba ung quote:

Hyundai tucson crdi gl

Price : 1,368,000
Amount financed: 1,094,400
Monthly: 27.554
Chattel: 25, 500
Insurance: 30,616 (acts of god)

[hondacarsglobal]

Chief there is a possibility, if you want to increase your chances po para ma-approve kayo, look for a co-maker (1st degree relative) who has a stable job and with a good salary

I could assist you po sir if you would like to get a brand new car, I can offer you po 2 payment options that we could offer to you.

for inquiries po sir you can email me po * hondacarsglobal*ymail.com

[sirmykel]

got a quotation from bank and in house for innova g mt,

price is 1,103,000 for MT * 60 mos.
(inhouse - bank)
d/p 275,000 - 275,000
insurance Free - Free
LTO Free - Free
Chattel Free - 23,000+

M/A 18,473 - 17,872

pero since sa bank babayaran yung chattel, (not sure kung pwede nila ilibre) kakarga sya dun cost of ownership mo
nilagay ko sa for 60 months * Php 383/mo. total ng bank M/A is Php 18,255, mababa lang ng 200+ against in house.

tama po ba ang compute ko?

usual freebies for bank and with other additional freebies naman sa in -house

[[archie]]

^ if ok lang sayo na mag labas ng extra 23k now. I'll go with the bank. I would rather have a lower monthly kahit 200 petot lang.

[boytsiks]

got a quotation from bank and in house for innova g mt,

price is 1,103,000 for MT * 60 mos.
(inhouse - bank)
d/p 275,000 - 275,000
insurance Free - Free
LTO Free - Free
Chattel Free - 23,000+

M/A 18,473 - 17,872

pero since sa bank babayaran yung chattel, (not sure kung pwede nila ilibre) kakarga sya dun cost of ownership mo
nilagay ko sa for 60 months * Php 383/mo. total ng bank M/A is Php 18,255, mababa lang ng 200+ against in house.

tama po ba ang compute ko?

usual freebies for bank and with other additional freebies naman sa in -house

Sang bank yan sir? 29.51% interest rate in 5 yrs? Medyo mataas. Try mo sa ibang banks. CM medyo mataas, in my case, mas mataas dyan ang loan amount ko pero mas mababa sa 23k ang chattel mortgage ako.

[sirmykel]

Sang bank yan sir? 29.51% interest rate in 5 yrs? Medyo mataas. Try mo sa ibang banks. CM medyo mataas, in my case, mas mataas dyan ang loan amount ko pero mas mababa sa 23k ang chattel mortgage ako.

bpi sir, although sa online calculator sya. di pako nakakapag walk in e

[nhiecah_nice29]

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