car loan

[kishAn]

pag TFS minsan lumalaban sa rate ng bank yan eh


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[ericb]

Anong bank po yan? Our unit was released last Feb 19 thru BDO auto loan at 26.28% for 5 years with free chattel and 1 year insurance. And yes, naka tie-up kami sa prudential guarantee insurance for the next 2 years. Better na hingi ka ng figures for the 2 years insurance premium then you can compute na if san ka talaga makakatipid.

Also, I don't think na kayang sabayan ng in-house ang bank kahit ipakita mo sa kanila ang computation unless outgoing na yung models na kelangan na talaga nila idispose at depende pa yan sa dealership.

Security Bank. 26.27% yung all-in (free chattel and insurance) pag OMA. 27.7% naman pag hindi OMA. So far isa palang napagtanungan kong bank, yung rate na nakuha ko for BDO and PSBank ni-base ko lang sa website nila.

[Syuryuken]

try nyong mag inquire sa mga cooperative alam ko 12%/annum sila

[ericb]

try nyong mag inquire sa mga cooperative alam ko 12%/annum sila

Masyado malaki Chief, 5 years na yung 26.27%/27.27% na rate

[momo23]

Security Bank. 26.27% yung all-in (free chattel and insurance) pag OMA. 27.7% naman pag hindi OMA. So far isa palang napagtanungan kong bank, yung rate na nakuha ko for BDO and PSBank ni-base ko lang sa website nila.

same interest rate lang (OMA). yung insurance premium na lang magkakatalo. hehe. ilan years daw naka tie up sa security bank? ask mo yung insurance premium sa security bank then compare mo na sa iba.

PS. mas okay punta ka mismo sa bank. don't rely sa online computation nila.

[coymac03]

Security Bank. 26.27% yung all-in (free chattel and insurance) pag OMA. 27.7% naman pag hindi OMA. So far isa palang napagtanungan kong bank, yung rate na nakuha ko for BDO and PSBank ni-base ko lang sa website nila.

Just to share.
I got my loan with Security Bank, 4 years - OMA.
Free 1 year insurance then 3 years tie in sa inhouse insurance nila.
Nakapagbigay naman sakin ng computation ng babayaran ko sa remaining years nung insurance.
Bank comparison ko is PS Bank and BDO.
I decided Security Bank dahil mas maliit ang interest rate tsaka yung sa free nila.

[ericb]

Just to share.
I got my loan with Security Bank, 4 years - OMA.
Free 1 year insurance then 3 years tie in sa inhouse insurance nila.
Nakapagbigay naman sakin ng computation ng babayaran ko sa remaining years nung insurance.
Bank comparison ko is PS Bank and BDO.
I decided Security Bank dahil mas maliit ang interest rate tsaka yung sa free nila.

Can I ask magkano insurance premium for your 2nd and 3rd year? Para lang magka idea ako. Thanks

[DarthChaser]

Guys newbie here,
When it comes to banks that offers auto loan, which one is the best? Psbank, metrobank, bpi or security?
Saka mas ok bang kumuha ng loan sa bank na dun nakaregister yung payroll account mo?

[DarthChaser]

Hi guys,
I'm a newbie na may balak mag avail ng auto loan this year.
Just wanna ask a few things po:
1. Sa gross income po ba talaga ang tinitignan nila at hindi net?
2. Ano po yung Debit to Income ratio para maapprove? Lets say po yung gross ko is 52k a month , then monthly ko is 14.6k+. Maapprove-an po kaya ako?
3. Nakita ko din po yung sa Loan Calculator sa Security Bank website is may maximum loanable amount. Pag hindi ka po lumagpas dun sa amount na yun, is that a plus besides good credit rating?


Thanks po sa sasagot makapagbibigay ng tips.
God bless!

[kishAn]

Hi guys,
I'm a newbie na may balak mag avail ng auto loan this year.
Just wanna ask a few things po:
1. Sa gross income po ba talaga ang tinitignan nila at hindi net?
2. Ano po yung Debit to Income ratio para maapprove? Lets say po yung gross ko is 52k a month , then monthly ko is 14.6k+. Maapprove-an po kaya ako?
3. Nakita ko din po yung sa Loan Calculator sa Security Bank website is may maximum loanable amount. Pag hindi ka po lumagpas dun sa amount na yun, is that a plus besides good credit rating?


Thanks po sa sasagot makapagbibigay ng tips.
God bless!

sir much better kung magapply ka na directly, sa 50k monthly income ok na yan. you got pm btw


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[DarthChaser]

Talaga sir? Nag inquire ako sa Metro actually yung Debit to Income ratio daw po dapat ay hindi lalagpas ng 30%.
Yun po ang gusto kong malaman if ever sa 50k kong gross ay pwede akong magloan ng car with 1m price and 30% DP.
Saka po ba pag nag apply ka po ba and nareject, may time required po ba bago ka makapag apply ulit sa same bank?

Nagreply na po ako sa inyo sir

[jhaysette]

Hi po...
1st tym po sna mag aavail ng car loan tru bank... na approve na po ung req sa bank,, kaso po nung nakausap ko ung nirefer na rep ni ms banker.. ung chattel and insurance daw po is free na... but then nabanggit ni ms banker na may additional na fee un which is 32,877 and 17k for chattel... pampanga area po .. and honda civic po pla ung unit... ano po kaya magandang gawin? Wla po kc tlga aqng idea about car loans etc.. paki ambon naman po ng knowledge nyo... thanks

[kishAn]

Hi po...
1st tym po sna mag aavail ng car loan tru bank... na approve na po ung req sa bank,, kaso po nung nakausap ko ung nirefer na rep ni ms banker.. ung chattel and insurance daw po is free na... but then nabanggit ni ms banker na may additional na fee un which is 32,877 and 17k for chattel... pampanga area po .. and honda civic po pla ung unit... ano po kaya magandang gawin? Wla po kc tlga aqng idea about car loans etc.. paki ambon naman po ng knowledge nyo... thanks

parang mataas yung insurance pero kung free nman is ok na yan, try to ask them kung tali ka for the whole duration ng loan sa insurance and how much nman for the succeding years. anyways ano yung additional fee? nakikita ko lang is probably the out of town charges dahil pampanga ang dealer


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[momo23]

Hi po...
1st tym po sna mag aavail ng car loan tru bank... na approve na po ung req sa bank,, kaso po nung nakausap ko ung nirefer na rep ni ms banker.. ung chattel and insurance daw po is free na... but then nabanggit ni ms banker na may additional na fee un which is 32,877 and 17k for chattel... pampanga area po .. and honda civic po pla ung unit... ano po kaya magandang gawin? Wla po kc tlga aqng idea about car loans etc.. paki ambon naman po ng knowledge nyo... thanks

How much yung additional fee? 1,500 ba for the processing fee? parang ang pagkakaintindi ko sa sinabi mo, free yung 1 yr insurance and chattel. tapos may additional fee na 32K and 17K?

[drawdee]

Pwede ba ko kumuha ng ibang insurance company if ma-full payment ko ng mas maaga yung loan ko sa bank? For example 4 years ang term ko pero i-full payment ko na in 3 years.

[kishAn]

Pwede ba ko kumuha ng ibang insurance company if ma-full payment ko ng mas maaga yung loan ko sa bank? For example 4 years ang term ko pero i-full payment ko na in 3 years.

yes pwedeng pwede. kahit nga hindi pa fully paid eh as long as accredited ng bank. but for banks na with free insurance package eh tali ka sa insurance nila


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[drawdee]

yes pwedeng pwede. kahit nga hindi pa fully paid eh as long as accredited ng bank. but for banks na with free insurance package eh tali ka sa insurance nila


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Thanks bro. Actually nakatali nga ako sa bank ko sa duration ng loan terms ko. Di lang kasi ako sigurado kung pwede ako mag-iba ng insurance company kung matapos ko ng mas maaga yung loan ko.

[kishAn]

Thanks bro. Actually nakatali nga ako sa bank ko sa duration ng loan terms ko. Di lang kasi ako sigurado kung pwede ako mag-iba ng insurance company kung matapos ko ng mas maaga yung loan ko.

as long as mafully paid mo na yung loan its up to you kung ano ng insurance company kahit nga wala kang comprehensive insurance pwede eh risk mo nga lang


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[nursin_00]

hi advice nmn po ano pong ggwin ko kc my kotse po ako at under p po sya ng finncing pero hnggng ngyng april n lng po ako kaso nung dec 2015 pa po ako hndi nkkbyd.at last yr naisnla ko ung sskyan ko at ngyn ndi ako tntgilan ng finncing ang sbi isurender ko n lng dw ung car kng wla akng pngbyd at bngyn n lng ako hanggng bkas n lng,kinausp ako ng fnnxing nung fri p lng at ny pinapirm cla skn n dpt byran ko on mon dhl cut off nla ng mon at isng beses lng dw s isng buwn cla ng cut off kya nid ko mbyrn n bukas or isurrnder ko n lng ang car at ibblk dn dw nla hnggng mkbyd ako ano po b ggwin ko at ano po ang krptn ko

[_Cathy_]

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