car loan

[badjhun]

Thank you po sa tulog ninyo.

OT: thanks for reminding me about the rule against text speak.

[Emil Lacar]

My friend is asking me if a 60k gross salary can be approve by the bank (Metro or BPI)? Ao ano ba ibang considerations ng bank sa pag approve nang loan? Thanks.

[Noel Salisipan]

My friend is asking me if a 60k gross salary can be approve by the bank (Metro or BPI)? Ao ano ba ibang considerations ng bank sa pag approve nang loan? Thanks.

Walang bad credit record, at kailangan papasok ka sa computation nila base sa assesment nila sa status mo sa kukuning mong total amount ng loan.

[revans]

Im planning na mag auto loan for the first time and been quoted already by my bank (Allied/PNB),mag dp naman ako mga 30%, kaya lang dami pang hinahanap na documents, as per your experience guys important ba talaga sa bank ang AUDITED FINANCIAL STATEMENT... kung iisipin i maintained account sa kanila both savings and current and allied bank credit card which i payed them every month at least 20 to 35k monthly bills binabayaran ko sa credit card alone (on time)... Ganun po ba talaga kalakaran dispite they can easily silipin ang cash flow ko and malalaman naman agad nila if im a bad debtor. Ganun ba kalakaran nila kung sa mga provincial branch nila (Bicol)? And parang ang tagal ng malaman kung na appove ang loan. kindly shed light me on this...tnx a lot in advance.

[shadow]

Im planning na mag auto loan for the first time and been quoted already by my bank (Allied/PNB),mag dp naman ako mga 30%, kaya lang dami pang hinahanap na documents, as per your experience guys important ba talaga sa bank ang AUDITED FINANCIAL STATEMENT... kung iisipin i maintained account sa kanila both savings and current and allied bank credit card which i payed them every month at least 20 to 35k monthly bills binabayaran ko sa credit card alone (on time)... Ganun po ba talaga kalakaran dispite they can easily silipin ang cash flow ko and malalaman naman agad nila if im a bad debtor. Ganun ba kalakaran nila kung sa mga provincial branch nila (Bicol)? And parang ang tagal ng malaman kung na appove ang loan. kindly shed light me on this...tnx a lot in advance.

Wala ka ba nun audited financial statement ng business mo?


Sent from my iPad using Tapatalk 2
#retzing

[revans]

You got PM sir shadow...

[revans]

Any ideas kung magkano approximately ang total na aabutin ng babayaran mo sa bank on chattel mortgage, insurance, LTO registration?

[Emil Lacar]

Walang bad credit record, at kailangan papasok ka sa computation nila base sa assesment nila sa status mo sa kukuning mong total amount ng loan.

She's a single mom and renting an apartment for 5k, pero 1 year pa lang kasi sya dun. She's planning of getting a vios 1.3J 630K, 20%DP, loan amount would be 504K for 60months. Ma-approve kaya sya? TIA

[jhnkvn]

She's a single mom and renting an apartment for 5k, pero 1 year pa lang kasi sya dun. She's planning of getting a vios 1.3J 630K, 20%DP, loan amount would be 504K for 60months. Ma-approve kaya sya? TIA

There shouldn't be a problem as long as she has a good credit standing. Still, it's still best to pay a higher principal for lower interest charges.

[shadow]

kung kaya sana 50% DP, then maximum 3 yrs lang for me dapat ang carloan...masyadong matagal ang 5 yrs luma na kotse binabayaran mo pa rin...

[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

[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

[stavros]

Full payment ba lagi yung 20-30k a month?

[revans]

Opo, full payment and i never missed a due date... nababasa ko kasi dito napaka bilis 2 to 3 days malalaman mo na kung approve o hindi ang loan. Kasi i talked with the branch manager, inabot daw ng almost a month ng client nila ang loan, i wasnt sure yung 1 month kasama na dun ang release ng auto.

[[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.

[nhiecah_nice29]

For Car and House Insurance, the best deals are with MAPFRE Insular Insurance Corporation. Get comprehensive protection for the assets you worked hard for. Recover from the unexpected, and prepare for the future. PM me for any inquiries or assistance. Cheers!

[migxibit]

Hi Tsikoteros,

I have a question lang. I think kasi never nako maaprovan ng bank loan so i never tried it yet.

i have 2 Credit cards that has been closed due to non payment Metrobank and RCBC... nawalan kasi ako ng trabaho then all i got left was those credit cards to feed me while looking for a new job so nag max out na sila, and apparently sa real estate pa ako napunta which breaks all their promises like in my case they told me they will send me to abroad pero out of the blue wala nangyari syempre which i stayed there for 10months at 12k per month na sweldo, commissions are given 3-5 months after which is why hindi ko na talaga nabayaran pa mga debts ko.

now here are my questions.
1. in my case is it still possible to get approved for a bank loan? feeling ko pag CI palang reject agad because of my debts.
2. if i paid my debts, would it make any difference sa CI? kasi bayaran ko or hindi i still have a history of non payment.

3. right now i am working as a broker, 3 months palang, 20k basic with unstable commissions, 8k 9k 11k, 40k 65k 17k -thats in 3 months time lang,
is there a chance to be approved taking to consider ang gusto ko lang na monthly payment is less than 10k per month lang? all expenses ko siguro bahay + utilities is 10k
4. also to back me up of the payment i can also register my sister which is a lawyer if ever mahirapan ako magbayad she will back me up.
5. on my case, saan bank kaya may chance maaprove ang loan? good for 2nd hand units, and im willing to pay 40% down payment

thank you!

[sirmykel]

mga sirs, ask ko lang po kasi approved na kami sa bank loan ang problema ko lang eh yung sa application form meron clause dun sa spouse na pipirma nasabi ko na nasa canada sya working ang need daw nila ng SPA para sa spouse ko, pwede kayang wala na yun? ang layo kasi ng consulate sa location ng wife ko

[nhiecah_nice29]

mga sirs, ask ko lang po kasi approved na kami sa bank loan ang problema ko lang eh yung sa application form meron clause dun sa spouse na pipirma nasabi ko na nasa canada sya working ang need daw nila ng SPA para sa spouse ko, pwede kayang wala na yun? ang layo kasi ng consulate sa location ng wife ko

Sir, kailangan po talanga ng SPA lalo na po sa ganyang mga bank loans, kaya po dapat talaga always ready po yan.