car loan

[_Qwerty_]

anong banko yan? pag lumagpas nang 1 week, wala na yan.. apply ka na sa iba..

we have a car loan application, nag verify na ang credit officer last thursday. until now wala pa results, sabi 5-7 banking days daw. ganun ba talaga ka tagal?

[pinkies]

anong banko yan? pag lumagpas nang 1 week, wala na yan.. apply ka na sa iba..

BPI, sabi nung contact ko sa loob, pag hinawakan daw ni credit officer basically approved na un, kasi i have 3 applications saknila kailangan daw i cancel ung other 2 application. And wait ko nalang daw ung tawag ng AO (account officer).

Tumawag si credit officer Thursday August 31, then kanina nag follow up ako sabi ng customer service 5-7 banking days.

[arvs18]

BPI, sabi nung contact ko sa loob, pag hinawakan daw ni credit officer basically approved na un, kasi i have 3 applications saknila kailangan daw i cancel ung other 2 application. And wait ko nalang daw ung tawag ng AO (account officer).

Tumawag si credit officer Thursday August 31, then kanina nag follow up ako sabi ng customer service 5-7 banking days.

I hope that's the case.

Akin kasi I wait for almost 2 weeks sa preferred bank of the family. Tapos wala man update, if I fofollow up ko, sasabihin lang nasa head office na yung application etc. Accounts ng family kasi nasa "bank na to", kaya I assumed na mabilis approval kasi nga kita na nila records ko dun. Boy, I was wrong.

Then tinry ko mag apply sa different bank via online application. By afternoon nakareceive ako ng SMS na in process na yung application. Then the next morning may nag CI sa bahay. Then nung afternoon of the same day, approved na daw.

2 days approval vs. the indefinite approval from another bank

Lesson learned for me. "Wag assuming" haha. Hindi purkit bank of the family maaasahan na.

[mokong22]

Sa secutiry bank 1 day lang sakin. Nag apply ako ng tuesday. Tumawag bank wednesday approved na raw ako. Saturday nilabas ko na new car hehe.

Mag lalabas ako truck this october balita ko mababa daw interest rate ng ps bank. Any idea mag kano rete ng ps bank?

Sent from my vivo 1606 using Tsikot Forums mobile app

[Syuryuken]

Sa secutiry bank 1 day lang sakin. Nag apply ako ng tuesday. Tumawag bank wednesday approved na raw ako. Saturday nilabas ko na new car hehe.

Mag lalabas ako truck this october balita ko mababa daw interest rate ng ps bank. Any idea mag kano rete ng ps bank?

Sent from my vivo 1606 using Tsikot Forums mobile app

mas mababa RCBC subukan mong i-compare

[mokong22]

mas mababa RCBC subukan mong i-compare

Ok sir try ko nga dumaan bukas

Sent from my vivo 1606 using Tsikot Forums mobile app

[pinkies]

Ok sir try ko nga dumaan bukas

Sent from my vivo 1606 using Tsikot Forums mobile app

magkano sa rcbc?

[mokong22]

magkano sa rcbc?

Tanong ulit natin sir gusto ko din malaman rate ng rcbc?

Sent from my vivo 1606 using Tsikot Forums mobile app

[Syuryuken]

depende kung ilang months mas matagal mas mataas so far silang pinakamababang napagtanungan ko. Si PSBank mas mataas ng 5% kay RCBC (5 years).

[mokong22]

depende kung ilang months mas matagal mas mataas so far silang pinakamababang napagtanungan ko. Si PSBank mas mataas ng 5% kay RCBC (5 years).

Magkano pag 3 yrs. Sir?

Sent from my vivo 1606 using Tsikot Forums mobile app

[Syuryuken]

Magkano pag 3 yrs. Sir?

Sent from my vivo 1606 using Tsikot Forums mobile app

Saan ka boss? mas mababa pa ang rate ng RCBC within Metro Manila kesa dito sa probinsiya.

[pinkies]

I hope that's the case.

Akin kasi I wait for almost 2 weeks sa preferred bank of the family. Tapos wala man update, if I fofollow up ko, sasabihin lang nasa head office na yung application etc. Accounts ng family kasi nasa "bank na to", kaya I assumed na mabilis approval kasi nga kita na nila records ko dun. Boy, I was wrong.

Then tinry ko mag apply sa different bank via online application. By afternoon nakareceive ako ng SMS na in process na yung application. Then the next morning may nag CI sa bahay. Then nung afternoon of the same day, approved na daw.

2 days approval vs. the indefinite approval from another bank

Lesson learned for me. "Wag assuming" haha. Hindi purkit bank of the family maaasahan na.

so what happened na approve din ba kayo sa preferred bank of the family? Nakakainis lang wala man lang kasi update na ibigay.

[arvs18]

so what happened na approve din ba kayo sa preferred bank of the family? Nakakainis lang wala man lang kasi update na ibigay.

Di ko na hiningi ulit update. Hindi rin nag update kahit via SMS. Hehe. Nakakainis pero hinayaan ko nalang. Ang mahalaga approved ako and got my car. No point naman na para isipin ko pa yun.

I suggest mag submit ka na din ng application sa ibang banks. PSBank and Metrobank meron din sila online application. Para mas madami lang choices.

Anyways, Goodluck


Sent from my iPhone using Tapatalk

[pm_me_your_dog]

I applied for car loan nung tuesday(sept 5). Nung sept 5 ng gabi tumawag na yung credit officer para magverify ng info. Wala rin akong nareceive na heads up or notice na may nag-CI sa bahay nung mga following days hanggang ngayon (sept 8). May chance pa kaya ako or denied na kaya wala ng update? Ilang days ba usually ang approval process ng PSBank? First time ko nga pala mag apply.

[_Qwerty_]

nung nag apply ako sa BDO, thru their website lang.. wala namang CI na ginawa, the next day may tumawag lang approved na daw..

[pm_me_your_dog]

we have a car loan application, nag verify na ang credit officer last thursday. until now wala pa results, sabi 5-7 banking days daw. ganun ba talaga ka tagal?

kapit lang.. ako din, waiting pa ng approval. nakaka-frustrate maghintay

[pinkies]

kapit lang.. ako din, waiting pa ng approval. naka-frustrate man hintay

tama ka dian...minsan nakaka depress. hindi ka mapakali at makatulog sa kakaisip ano na ba ang nangyari sa application mo. Yung iba paasa lang, mag CI tapos wala na naka hang ka na.

[shadow]

Masyado ka lang siguro excited. Relax lang.


Sent from my iPhone using Tapatalk

[mokong22]

Saan ka boss? mas mababa pa ang rate ng RCBC within Metro Manila kesa dito sa probinsiya.

Province din ako sir kaya gusto ko din malaman rate ng rcbc. Yung security bank 12.8percent rate sa 3 years.

Sent from my vivo 1606 using Tsikot Forums mobile app

[zechs]

Ano ba dapat tinitingnan dito? Ung effective interest rate? Thats the one that varies between banks right?