car loan

[dr. d]

and i wouldn't bet the house on what the SAs say. they have no control over how the country supplier distributes the cars.

[tonytonytonton]

^ Thanks. Called other casas and they also have no stock so you're correct its not a dealer issue. I'm talking about the Innova by the way. One dealer told me the I'm 6th inline and the other one 3rd. Do they really follow this? or meron pa din palakasan system and will release in-house financing first just in case new stocks will arrive.

[teb]

Hi newbie here! Gaanu ba katagal ang expiration ng loan approval, bdo to be exact? Thanks in advance

^ Thanks. Called other casas and they also have no stock so you're correct its not a dealer issue. I'm talking about the Innova by the way. One dealer told me the I'm 6th inline and the other one 3rd. Do they really follow this? or meron pa din palakasan system and will release in-house financing first just in case new stocks will arrive.

Thanks. Which bank is better? Overall.

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[dr. d]

Hi newbie here! Gaanu ba katagal ang expiration ng loan approval, bdo to be exact? Thanks in advance

from what i understand, the bank can extend the life of the offer indefinitely, for as long as the price of the item does not change.
if the price increases, i imagine the proposal will also change.

[dr. d]

^ Thanks. Called other casas and they also have no stock so you're correct its not a dealer issue. I'm talking about the Innova by the way. One dealer told me the I'm 6th inline and the other one 3rd. Do they really follow this? or meron pa din palakasan system and will release in-house financing first just in case new stocks will arrive.

they can, if they see it fit.
while casas usually generally follow the list, there is no doubt that some customers are more important to them, than the rest.

[teb]

from what i understand, the bank can extend the life of the offer indefinitely, for as long as the price of the item does not change.
if the price increases, i imagine the proposal will also change.

Ah ok..kakatext lang kase ni bdo na approve na nga auto loan namin. At wait daw na tawagan ni agent. Kasu parang bigla kame nag alangan ni hubby na ngayong month kumuha.

[bongliza]

mga paps, magtatanong lang po about BPI. approved na po yung loan namin thru them but suddenly when we are about to bring the car home (ATM), sabi dapat daw sa kanila kami kukuha ng Compre Insurance. Eh nakakuha na kami sa Pioneer which is much cheaper than them. initially, ala naman silang sinasabing ganun when we applied for the loan. Approved na lahat lahat tapos ngayon biglang kelangan sa kanila yung Insurance. Ang gulo naman nila. Is this true?

[dr. d]

mga paps, magtatanong lang po about BPI. approved na po yung loan namin thru them but suddenly when we are about to bring the car home (ATM), sabi dapat daw sa kanila kami kukuha ng Compre Insurance. Eh nakakuha na kami sa Pioneer which is much cheaper than them. initially, ala naman silang sinasabing ganun when we applied for the loan. Approved na lahat lahat tapos ngayon biglang kelangan sa kanila yung Insurance. Ang gulo naman nila. Is this true?

if it's not written on the paper you signed, it's not true.
read the contract, po, to see if it's there.

[kishAn]

mga paps, magtatanong lang po about BPI. approved na po yung loan namin thru them but suddenly when we are about to bring the car home (ATM), sabi dapat daw sa kanila kami kukuha ng Compre Insurance. Eh nakakuha na kami sa Pioneer which is much cheaper than them. initially, ala naman silang sinasabing ganun when we applied for the loan. Approved na lahat lahat tapos ngayon biglang kelangan sa kanila yung Insurance. Ang gulo naman nila. Is this true?

Most banks hindi naman nagrerequire na sa kanila ka kumuha as long as accredited yung insurance company. Maybe yun yung requirements ng BPI but they should have told you prior to signing of loan docs


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[teb]

Guys another question noob lang..ayuko na lang tumawag sa bdo customer service specifically sa loan officer nila. At kasungit. Tapus sabi samen yung branch of account daw namin magtawag samen. At dun daw magtanung ng concerns kase si branch daw ang nagapprove kaya ang ending wala rin akong nakuhang sagot. Pero sa text kase nakalagay dun sa text si agent ang cocontact samen para sa next step. Anu ba talaga uunahin si dealer o si bangko na agad?QUOTE=jnyqzn;2815499]My dad is already 65 years old. We applied for an auto loan. more than 50% na downpayment. We're getting the mirage glx hatchback. P628k po siya and P400k downpayment namin, 2 years to pay. So estimate, P12k monthly payment. We lease houses for a living and tinawagan si dad, sabi nila na up for credit investigation na daw. Unfortunately, hindi binigay ni dad lahat ng sources of income namin. worth 26k a month lang yung binigay niya. Any chances of this loan being approved?

P.S: we have a savings account sa BDO as well as a time deposit.[/QUOTE]

[teb]

[QUOTE=teb;2817572]Guys another question noob lang..ayuko na lang tumawag sa bdo customer service specifically sa loan officer nila. At kasungit. Tapus sabi samen yung branch of account daw namin magtawag samen. At dun daw magtanung ng concerns kase si branch daw ang nagapprove kaya ang ending wala rin akong nakuhang sagot. Pero sa text kase nakalagay dun sa text si agent ang cocontact samen para sa next step. Anu ba talaga uunahin si dealer o si bangko?

[kishAn]

[QUOTE=teb;2817573]

Guys another question noob lang..ayuko na lang tumawag sa bdo customer service specifically sa loan officer nila. At kasungit. Tapus sabi samen yung branch of account daw namin magtawag samen. At dun daw magtanung ng concerns kase si branch daw ang nagapprove kaya ang ending wala rin akong nakuhang sagot. Pero sa text kase nakalagay dun sa text si agent ang cocontact samen para sa next step. Anu ba talaga uunahin si dealer o si bangko?

Dapat kung kanino mo sinubmit yung application mo sila ang magaassist sayo. Pero dahil customer service hotline yung tinawagan they should address your concern hindi yung pasa-paasa pa. Just my 2 cents sometimes proper customer service is more important than lower rates and freebies & promos


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[teb]

Isa pa. Pwede kaya magpalit kame ng dealer? Kahit dun sa text nakaindicate na kung sang dealer kame kukuha?

[kamotekid1968]

for me, based on experience ah? ang magandang gawin...punta ka ng BDO (any branch), pa-approve ka then pag nakareceive ka ng confirmation na approved na, tell them na may dealer kana para di kana kulitin. after that, punta ka sa preferred dealer mo then sabihin mo approved kana for car loan at you're just shopping for the best deal. once done deal, go back to your preferred branch then ask for quotation. if ok sa'yo, pay for the DP sa bank or sa dealer (this depends if may discount na ibabawas sa'yo sa DP coz sometimes, yung reservation fee mo incase nagbayad ka sa agent eh sa DP binabawas imbes na sa bank pag nagbayad ka ng DP). ang sabi, not sure if true na kung yung discount ibabawas sa DP sa bank, may tax daw unlike pag yung discount ibabawas sa SRP, walang kaso. HTH!

[FnC]

Isa pa. Pwede kaya magpalit kame ng dealer? Kahit dun sa text nakaindicate na kung sang dealer kame kukuha?

Pwede ka magpalit ng dealer

Ericson Cudiamat- Direct Car Loan Professional (09178851130)

[FnC]

[QUOTE=teb;2817573]

Guys another question noob lang..ayuko na lang tumawag sa bdo customer service specifically sa loan officer nila. At kasungit. Tapus sabi samen yung branch of account daw namin magtawag samen. At dun daw magtanung ng concerns kase si branch daw ang nagapprove kaya ang ending wala rin akong nakuhang sagot. Pero sa text kase nakalagay dun sa text si agent ang cocontact samen para sa next step. Anu ba talaga uunahin si dealer o si bangko?

Bank first. You can change dealer anytime after getting the financing approval

Ericson Cudiamat- Direct Car Loan Professional (09178851130)

[whitedevil08048]

Hi Guys newbie here..I just want to ask lang po if tama yung sinabi sakin ng Bank Agent na kausap ko..I already got a bank approval but since standard daw nila ang 20% DP..20% of my car loan is 134k..for me masyado malaki yung 134k although he said na mababa ang monthly ko..compared sa mga in house na lowest DP nga malaki naman ang monthly..But decided na ko now na mag in house na lang..kasi di ko pa kaya ang cash out na 134k..pasok sa budget ko 60-70k DP lang..sabi ng Bank agent pwede niya daw itransfer bank approval to the dealer..di daw ako pwede dumiretso basta sa Dealer..kasi madidisapproved lang daw ako kasi may approval nako sa bank nila..please yung mga Veterans can you enlighten me..thanks in advance sa sasagot

[dct]

Hi Guys newbie here..I just want to ask lang po if tama yung sinabi sakin ng Bank Agent na kausap ko..I already got a bank approval but since standard daw nila ang 20% DP..20% of my car loan is 134k..for me masyado malaki yung 134k although he said na mababa ang monthly ko..compared sa mga in house na lowest DP nga malaki naman ang monthly..But decided na ko now na mag in house na lang..kasi di ko pa kaya ang cash out na 134k..pasok sa budget ko 60-70k DP lang..sabi ng Bank agent pwede niya daw itransfer bank approval to the dealer..di daw ako pwede dumiretso basta sa Dealer..kasi madidisapproved lang daw ako kasi may approval nako sa bank nila..please yung mga Veterans can you enlighten me..thanks in advance sa sasagot

Don't get a car. Di mo pa kaya. Mababa na ang 20% down payment. Baka mahatak lang sasakyan mo. Papasok pa ang gastos ng insurance, gas, parking, maintenance at kung ano ano pa

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[dr. d]

if the bank says mahihirapan kayo, believe them. they have bodegas-full of proof.

[anthony2488]

hi mga sir, eto quote sa akin ng bpi cavite
montero gls premium
SRP 1558000
D0wnpayment ko is 500k
chattel fee 26450
free insurance for the 1st year
monthly amort ko is 26638 for 4 years...
good deal na ba to? tnx sa mga sasagot...