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  1. Join Date
    May 2014
    Posts
    14,700
    #681
    Kung may savings/payroll ka sa isang bank, mas maigi dun ka sa bank na yun mag apply, mas malaki chances mo ma approve.
    Btw ano auto ba plano mo kunin?
    Baka nasa 1m mark na kaya na decline/deny ka sa loan

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  2. Join Date
    Aug 2015
    Posts
    352
    #682
    Try mo rin gawing co-maker yung partner mo sa business.


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  3. Join Date
    Jun 2016
    Posts
    11
    #683
    Okay na po guys, I got my bank approval na. super angel in disguise and andali kausap ng PSBank, next day approval agad! Thank you sir Kishan!

  4. Join Date
    Jun 2016
    Posts
    11
    #684
    Okay na po guys, I got my bank approval na. super angel in disguise and andali kausap ng PSBank, next day approval agad! Thank you sir Kishan!

  5. Join Date
    Mar 2008
    Posts
    54,627
    #685
    Quote Originally Posted by clover View Post
    Okay na po guys, I got my bank approval na. super angel in disguise and andali kausap ng PSBank, next day approval agad! Thank you sir Kishan!
    so what did you do here, that you did not do the first time, in the other bank?

  6. Join Date
    Jun 2016
    Posts
    11
    #686
    Quote Originally Posted by dr. d View Post
    so what did you do here, that you did not do the first time, in the other bank?
    I removed my moms name as my comaker kaya mukang mas nareconsider ung other income ko. Plus madiskarte din ung tumulong sakin from PSbank, tnry niya muna for different unit ung loan ko tapos nung nag okay nag change unit na kami ulit.

  7. Join Date
    May 2014
    Posts
    14,700
    #687
    Quote Originally Posted by clover View Post
    I removed my moms name as my comaker kaya mukang mas nareconsider ung other income ko. Plus madiskarte din ung tumulong sakin from PSbank, tnry niya muna for different unit ung loan ko tapos nung nag okay nag change unit na kami ulit.
    wow bait and switch in favor of the customer!! madiskarte nga yan

  8. Join Date
    Jan 2010
    Posts
    497
    #688
    Quote Originally Posted by clover View Post
    Okay na po guys, I got my bank approval na. super angel in disguise and andali kausap ng PSBank, next day approval agad! Thank you sir Kishan!
    Happy to help


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  9. Join Date
    Jun 2016
    Posts
    4
    #689
    I'm a newbie when it comes to car loan. Binigyan ako ng approval ng UnionBank for a car loan. I was wondering if possible bang ilipat yung direct bank approval from them to an in-house deal? I want to get the low dp kahit at the expense of higher MA. TIA

  10. Join Date
    Jan 2010
    Posts
    497
    #690
    Quote Originally Posted by weezing View Post
    I'm a newbie when it comes to car loan. Binigyan ako ng approval ng UnionBank for a car loan. I was wondering if possible bang ilipat yung direct bank approval from them to an in-house deal? I want to get the low dp kahit at the expense of higher MA. TIA
    yes pwede. just ask your agent, he/she know what to do and mas gusto ng ahente ang in house financing


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  11. Join Date
    Mar 2008
    Posts
    54,627
    #691
    Quote Originally Posted by weezing View Post
    I'm a newbie when it comes to car loan. Binigyan ako ng approval ng UnionBank for a car loan. I was wondering if possible bang ilipat yung direct bank approval from them to an in-house deal? I want to get the low dp kahit at the expense of higher MA. TIA
    but isn't higher DP and lower MA the "safer" choice, in the long run..?

  12. Join Date
    Mar 2006
    Posts
    69
    #692
    Guys nagtry kami mag pa compute and pa approved thru 2 dealers... no commitment naman, fortunately wife got approved sa psbank daw meron daw kasi siya savings acct.

    Question is what if direct kami magpunta sa psbank and apply to get a lower rate possible ba?

    Thanks.

  13. Join Date
    Jan 2010
    Posts
    497
    #693
    Quote Originally Posted by red_888 View Post
    Guys nagtry kami mag pa compute and pa approved thru 2 dealers... no commitment naman, fortunately wife got approved sa psbank daw meron daw kasi siya savings acct.

    Question is what if direct kami magpunta sa psbank and apply to get a lower rate possible ba?

    Thanks.
    yes possible to transfer just cancel the approval from the dealer and have it transfer to your branch for direct application and lower rate but brand should be different


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  14. Join Date
    Mar 2006
    Posts
    69
    #694
    Quote Originally Posted by kishAn View Post
    yes possible to transfer just cancel the approval from the dealer and have it transfer to your branch for direct application and lower rate but brand should be different


    Sent from my iPhone using Tapatalk
    Thanks kishan...what do you mean brand should be different?.... we tried toyota wigo and the other is mitsubishi mirage...what if sa other dealer na ko if oks sa branch namin.

  15. Join Date
    Jan 2010
    Posts
    497
    #695
    Quote Originally Posted by red_888 View Post
    Thanks kishan...what do you mean brand should be different?.... we tried toyota wigo and the other is mitsubishi mirage...what if sa other dealer na ko if oks sa branch namin.
    ygpm


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  16. Join Date
    Jul 2013
    Posts
    2,450
    #696
    Quote Originally Posted by dr. d View Post
    but isn't higher DP and lower MA the "safer" choice, in the long run..?
    maybe he is not into the long run benefit.

    he needs the vehicle now but cannot afford the higher DP.

  17. Join Date
    Sep 2015
    Posts
    9
    #697
    Mga Sir,
    share ko lang baka may makatulong,

    We got bank approval PSBANK - in house
    sa pangalan ng mother ko,

    problem voter's I.D lang meron ang mother ko, so mukhang hindi kami
    makaka pag open ng account sa PSbank dahil 2 primary I.D ang kaylangan para sa debit.

    My mom is already 56yrs old, pahirap naman sa kanya kung mag aaply pa kami ng passport to get a new valid I.D and it takes 9 days if rush.

    Ano kayang magandang gawin? o mabilis na paraan para makakuha ng Valid I.D

  18. Join Date
    Jan 2010
    Posts
    497
    #698
    Quote Originally Posted by dsmjr View Post
    Mga Sir,
    share ko lang baka may makatulong,

    We got bank approval PSBANK - in house
    sa pangalan ng mother ko,

    problem voter's I.D lang meron ang mother ko, so mukhang hindi kami
    makaka pag open ng account sa PSbank dahil 2 primary I.D ang kaylangan para sa debit.

    My mom is already 56yrs old, pahirap naman sa kanya kung mag aaply pa kami ng passport to get a new valid I.D and it takes 9 days if rush.

    Ano kayang magandang gawin? o mabilis na paraan para makakuha ng Valid I.D
    anong mode of payment ba ang nirequire ni agent sa inyo?


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  19. Join Date
    Sep 2015
    Posts
    9
    #699
    Quote Originally Posted by kishAn View Post
    anong mode of payment ba ang nirequire ni agent sa inyo?


    Sent from my iPhone using Tapatalk
    12 PDC then balik uli next yr to issued another 12 pdc. Wala kaming checking account, if mag o open kami ng checking account need din ng valid I.D.

    pero mas preferred ko debit which is pwede naman daw mag open lang ng saving account.

  20. Join Date
    Jan 2010
    Posts
    497
    #700
    Quote Originally Posted by dsmjr View Post
    12 PDC then balik uli next yr to issued another 12 pdc. Wala kaming checking account, if mag o open kami ng checking account need din ng valid I.D.

    pero mas preferred ko debit which is pwede naman daw mag open lang ng saving account.
    ygpm


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