car loan

[nhiecah_nice29]

Hi Tsikoteros, I wanted to share this to all especially to MAPFRE Clients, Join and Win!

[MonteroGLSV]

for me sir mukhang mahirap po kayo kung guaranteed income mo lang is around 10k pataas kasi ung commission po hindi nmn cya fix although sure nmn in a month eh makakabenta po kayo ,
or baka mas maganda sir ung sister nyo po ang mag loan then kayo gagamit ng car at magbayad,which is gnun din po ginawa namin ng kapatid ko ako nag loan pero cya nagbabayad.

Hi Tsikoteros,

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


thank you!

[eminem6480]

Question 1: Ano kaya ang best price kung ibebenta ko ito (under bank loan pa)?
Mitsubishi Adventure GLS Sports 2012 SE
- PhP280K downpayment bank financing
- PhP12, 2xx monthly loan
- 3 1/2 yrs to pay remaining
- PMS every 5K observed
- insured (AOG)
- LTO registration up to 2015

Mods:
- synthetic leather seats 9K

Price ng brand new ngayon is PhP913K

Question 2: Kung hindi pa fully paid at gusto kong ibenta, any idea kung anong docs ang kailangan ko from bank para matransfer sa new owner yung monthly fee at amortization?

[phogi]

I'm curious about the dealer's incentive. Lahat ba ganito? We went to the C5 casas and none of the agents in any of them mentioned the DI. All my inquiries sa mga casa are for cash purchase.

[tyanak14]

Hi fellow tsikoters! may katanungan lang ako sana may makasagot. Bale kasi nagapply ako sa bpi ng car loan, tapos ang sabi sakin may active approved applicarion ako di pa daw ako pwede paapprove uli. Tapos yun pla yung pinaaprovan ng car dealer sa inhouse. Ang tanong ko, pwede ko ba gamitin yung approved loan ko pang-PO? Salamat sa sasagot

[boytsiks]

Hi fellow tsikoters! may katanungan lang ako sana may makasagot. Bale kasi nagapply ako sa bpi ng car loan, tapos ang sabi sakin may active approved applicarion ako di pa daw ako pwede paapprove uli. Tapos yun pla yung pinaaprovan ng car dealer sa inhouse. Ang tanong ko, pwede ko ba gamitin yung approved loan ko pang-PO? Salamat sa sasagot

Pede pero interest rate ng inhouse financing ang mag aapply.


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[Daison77]

Mga sirs ok na ba tong in-house dealng toyota saakin ?

2013 Vios 1.3 E MT (SRP - 727,000) ALL-IN PACKAGE
30% DP - 166,229
3YRS - 18,691
4YRS - 15,126

Sa 1.3E AT naman SRP - 762,000
30% DP - 176,982
3yrs = 19,591
4yrs= 15,855

Got denied before kasi sa metrobank 2yrs ago kaya naginhouse ako ng Sporatge. Kaya isip ko kung denied nanaman edi no choice ako kundi in house. Thanks

[gun_slinger88]

How soon can a bad credit record removed? I had a situation before where a relative asked to use my CC and promised to pay the due. We were living on the same house then so I agreed. Okay naman ang payment niya for the first few months. Hindi ko na ginamit yung card after kasi I had other cards naman para hindi magulo yung charges and siya lang ang magbabayad. After I moved out and went on my own, hindi na pala nila binayaran yung remaining months. I didnt bother to check kasi tiwala ako. I had to pay the balance after I learned about it but the damage had been done. I applied for a CC last year but was denied because of this. Just wondering if this will also reflect sa car loan just in case. Plano ko kasi kumuha ng sasakyan by the end of the month.

[_Qwerty_]

if you paid the balance.. bakit nasa bad credit record ka pa din?? dapat wala ka don.. and pano mo nalaman na yun ang dahilan bakit ka nadeny for CC?? di naman nila sinasabi dahilan pag na de deny..

How soon can a bad credit record removed? I had a situation before where a relative asked to use my CC and promised to pay the due. We were living on the same house then so I agreed. Okay naman ang payment niya for the first few months. Hindi ko na ginamit yung card after kasi I had other cards naman para hindi magulo yung charges and siya lang ang magbabayad. After I moved out and went on my own, hindi na pala nila binayaran yung remaining months. I didnt bother to check kasi tiwala ako. I had to pay the balance after I learned about it but the damage had been done. I applied for a CC last year but was denied because of this. Just wondering if this will also reflect sa car loan just in case. Plano ko kasi kumuha ng sasakyan by the end of the month.

[gun_slinger88]

if you paid the balance.. bakit nasa bad credit record ka pa din?? dapat wala ka don.. and pano mo nalaman na yun ang dahilan bakit ka nadeny for CC?? di naman nila sinasabi dahilan pag na de deny..

I think because umabot siya sa point na may collection agency that sent a letter to me which is how I learned na hindi nila nabayaran. I just assumed na yun ang reason bakit ako nadeny because I was applying for a credit card of the same bank as required for my company sponsored trip abroad.

[vm_dmesa]

Hello mga boss
Ask na din ako pasensya na hindi na ko makapagbackread.
I have a current application for auto loan on bank BPI. first time ko to purchase a car and na-preapproved na ng bank pero hindi ko sure kung tama ba yung computation at paano ang susunod na process. Naguguluhan din ako kung kanino po ba ko magbabayad ng downpayment sa dealer o sa bank?
And kung direct ba ko na nagloan sa bank, consider ba as Cash yung payment ko sa dealer?
Sayang kung sakali gusto ko pa sana bumaba yung downpayment at wala pa po dito yung mortage and insurance so tataas pa yung downpayment ko?

Eto yung computation:
Unit: Mirage G4 glx cvt
578000 - SRP less 50k discount
115600 - 20% D/P
14.690 / 36 mos
14.37% - OMA / 15.20% in arrear interest

Any ideas po. Thanks.

[Walter]

If you have the funds, buy the vehicle in cash and get a reimbursement car loan from the bank, you're interest can go down to as low as 4.06%. It's cheaper since the bank does not need to give dealer's commission. Yes, even if you went directly to the bank, bank will still have to give commission. Cars dealers have an agreement with the banks.

[999]

If you have the funds, buy the vehicle in cash and get a reimbursement car loan from the bank, you're interest can go down to as low as 4.06%. It's cheaper since the bank does not need to give dealer's commission. Yes, even if you went directly to the bank, bank will still have to give commission. Cars dealers have an agreement with the banks.

i agree with you. ...pero most of the banks now are offering less than 4% per annum add on interest rates for one year loan. i had mine handled by my account officer with PSbank. siya na lahat bahala. then best pa makukuha ko deal. pm me.

[edwardclaver]

Good day..Guys pa quote naman nito approximate lang kung bank financing para may idea ako kung sakali kung magkano ilalabas kong pera. pasama na rin yung comp. insurance, chattel at LTO if ever po

2013 honda jazz 1.5
srp - 857,000
20%dp - 171,400
loan ammount- 685,600
60 mos to pay

Thanks in advance

[[archie]]

^^ good deal in my opinion.

[jhimz016]

Question po, bakit po inooffer ng mga SA yung rust proofing? Di po ba dapat kasama na yun? And pag bank loan yung payment mo, di po ba talaga free ang LTO at sa in house lang sya inooffer as free?

[_Qwerty_]

optional lang yang rust proofing.. you can say no..

pag bank loan.. same lang nang freebies pag cash buyer.. so kung hindi ni offer sa cash buyer yung free LTO wala din yun pag bank loan.. usually pag in house lang ni offer yun kasi nababawi nila sa interest yun.. sa laki nang interest nila..

Question po, bakit po inooffer ng mga SA yung rust proofing? Di po ba dapat kasama na yun? And pag bank loan yung payment mo, di po ba talaga free ang LTO at sa in house lang sya inooffer as free?

[jhimz016]

Thanks po qwerty... Kanina kausap ko yung SA from Ford, binigyan nya ako ng 185,000 for down payment including chattel, 3years lto and standard freebies, ang nasa 15K ang monthly payment for 60mos for fiesta totl... Alam ni SA na may approved bank loan dahil kinausap sila nung bank manager na nag approved sa akin nung loan, question, pwede ko ba kunin yung inoffer ni SA pero ipapacompute ko kay bank ung monthly para bumaba yung monthly payment ko?

[stavros]

Thanks po qwerty... Kanina kausap ko yung SA from Ford, binigyan nya ako ng 185,000 for down payment including chattel, 3years lto and standard freebies, ang nasa 15K ang monthly payment for 60mos for fiesta totl... Alam ni SA na may approved bank loan dahil kinausap sila nung bank manager na nag approved sa akin nung loan, question, pwede ko ba kunin yung inoffer ni SA pero ipapacompute ko kay bank ung monthly para bumaba yung monthly payment ko?

Lahat ng option pwede mo gawin, ikaw dapat ang set ng situation for them and not the other way around. If ayaw nila tapatan, hanap ka ng iba na kaya.

[jvincent012]

hi guys,

im looking to purchase a pre-owned car through auto finance. pa help nman mron na ko pnprocess pro it looks like antagal mg approve ng mga banko sakn e na meet ko nman ung minimum requirments and wla ko existing loans. bkt po kaya gnon? employed and regular nman ako. thanks.