car loan

[deltaV]

Metro bank is having a special rate for car loan till setp. Have to check it out.
Ilang % ba talaga anually sa car loan? mababa na ba yun around 12% for two year?

I applied for auto loan sa MBT, approved sya today. Interest is 7.99% 36 mos.
Gusto kong unit is innova G aut, at 40%dp.
No free insurance. Okay na ba yung deal na yun? I also applied in BPI still waiting for their response.

[Syuryuken]

Magkano pag 3 yrs. Sir?

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no idea sa 3 years sir.

[aioshin]

Hi Fellow Tsikoters,

Tanong lang related sa Car Loan.

Halimbawa nag apply ako, kailangan ba meron nang ready na downpayment before or para ma approve or pwedeng ma approve tsaka mag decide kung magkano ang downpayment ko as loan applicant?

Salamat.

[kishAn]

Hi Fellow Tsikoters,

Tanong lang related sa Car Loan.

Halimbawa nag apply ako, kailangan ba meron nang ready na downpayment before or para ma approve or pwedeng ma approve tsaka mag decide kung magkano ang downpayment ko as loan applicant?

Salamat.

Kahit wala pang ready DP ok lang nman, yung iba is nagaapply lang to know kung maapprove sila or hindi although may validity period naman ang approval kaya may time ka pa para magipon


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[jumilae12]

Hello good day po!

I am interested buyer of Mitsubishi Mirage 1.2 GLX MT. I am employed in a construction company for 2 years and 8 months and a regular employee. i am from Ilocos but when i got my job i lived in Caloocan for 2 years, then i was assigned here in Davao for 8 months and planning to buy a car na dito. last year my gross income is 19k without overtime, then nung naassign ako out of town nag increase ako to 23,500 gross plus my mga out of town incentives pa po ako na di declared sa payslip kasi di sya taxable and direct nalang pumapasok sa account ko. Ngayon po these are my problems kung maaapprove ba ng bank:

1. 23,500 ang gross na nakalagay sa COE ko without out of town incentives indicated at may mga overtime pay pa po akong di rin nakasama sa COE ko which is umaabot ng 10k per month. pero ang total gross ko sana if Basic Salary + Incentives + Overtime umaabot po ng 38k.
2. 8 months palang po ako sa davao, magiging factor po ba na bago lang ako sa lugar? (company provided po ang bahay ko dito at 5 years pa po ako iaassign ng company namin dito)
3. wala po akong co-maker kasi matanda na yung parents ko, sapat na ba yung item 1 para maapprove ako ng bank?
4. yung ITR ko is 2016 pa at ang nagrereflect na Annual gross ko pa is yung 19k pa.

Sana po masagot yung questions ko, first time buyer po kasi. Thanks

[jumilae12]

Hello good day po!

I am interested buyer of Mitsubishi Mirage 1.2 GLX MT. I am employed in a construction company for 2 years and 8 months and a regular employee. i am from Ilocos but when i got my job i lived in Caloocan for 2 years, then i was assigned here in Davao for 8 months and planning to buy a car na dito. last year my gross income is 19k without overtime, then nung naassign ako out of town nag increase ako to 23,500 gross plus my mga out of town incentives pa po ako na di declared sa payslip kasi di sya taxable and direct nalang pumapasok sa account ko. Ngayon po these are my problems kung maaapprove ba ng bank:

1. 23,500 ang gross na nakalagay sa COE ko without out of town incentives indicated at may mga overtime pay pa po akong di rin nakasama sa COE ko which is umaabot ng 10k per month. pero ang total gross ko sana if Basic Salary + Incentives + Overtime umaabot po ng 38k.
2. 8 months palang po ako sa davao, magiging factor po ba na bago lang ako sa lugar? (company provided po ang bahay ko dito at 5 years pa po ako iaassign ng company namin dito)
3. wala po akong co-maker kasi matanda na yung parents ko, sapat na ba yung item 1 para maapprove ako ng bank?
4. yung ITR ko is 2016 pa at ang nagrereflect na Annual gross ko pa is yung 19k pa.

Sana po masagot yung questions ko, first time buyer po kasi. Thanks

[jumilae12]

Hello good day po!

I am interested buyer of Mitsubishi Mirage 1.2 GLX MT. I am employed in a construction company for 2 years and 8 months and a regular employee. i am from Ilocos but when i got my job i lived in Caloocan for 2 years, then i was assigned here in Davao for 8 months and planning to buy a car na dito. last year my gross income is 19k without overtime, then nung naassign ako out of town nag increase ako to 23,500 gross plus my mga out of town incentives pa po ako na di declared sa payslip kasi di sya taxable and direct nalang pumapasok sa account ko. Ngayon po these are my problems kung maaapprove ba ng bank:

1. 23,500 ang gross na nakalagay sa COE ko without out of town incentives indicated at may mga overtime pay pa po akong di rin nakasama sa COE ko which is umaabot ng 10k per month. pero ang total gross ko sana if Basic Salary + Incentives + Overtime umaabot po ng 38k.
2. 8 months palang po ako sa davao, magiging factor po ba na bago lang ako sa lugar? (company provided po ang bahay ko dito at 5 years pa po ako iaassign ng company namin dito)
3. wala po akong co-maker kasi matanda na yung parents ko, sapat na ba yung item 1 para maapprove ako ng bank?
4. yung ITR ko is 2016 pa at ang nagrereflect na Annual gross ko pa is yung 19k pa.

Sana po masagot yung questions ko, first time buyer po kasi. Thanks

[pinkies]

Question regarding car loan, if si hubby may CMAP problem damay pa rin ba ang wife in case si wife ang mag aapply ng car loan?

[jodski]

Question regarding car loan, if si hubby may CMAP problem damay pa rin ba ang wife in case si wife ang mag aapply ng car loan?

Yes

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[pinkies]

Yes

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even direct kami sa bank mag apply?

[jodski]

even direct kami sa bank mag apply?

You can always try to apply naman po.

Let the bank staff assess the situation your hubby is in

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[averyrivic]

Hello po mga sir! I recently got approved po sa autoloan via BPI and super newbie po ako so medyo nangangapa po ako sa process. Nasa page 58 na ko ng thread and marami na ko natutunan kaso medyo nalilito pa rin ako. haha

Anyway ang sabi sakin ng kausap ko sa bank is if may unit/dealer na ko, I can just send them the quotation tapos isesend nya sakin ung quote ng bank then nung nagkausap kami nasabi ko kasi na wala pa ko kausap na dealer so sabi nya I can just give her my preferred brand/model then sila na kokontak sa mga dealers.

Question ko lang, mas ok ba na sila ang kumausap or ako na lang humanap ng mga dealers? Hindi ko po kasi alam kung saan ako mas makakuha ng better deal or if pwede ba na ipakita ko sa nag-assist sakin sa bank ung quote nung agent then I can haggle for the price. Thanks po sa mga sasagot!

[servantguy]

Hello po mga sir! I recently got approved po sa autoloan via BPI and super newbie po ako so medyo nangangapa po ako sa process. Nasa page 58 na ko ng thread and marami na ko natutunan kaso medyo nalilito pa rin ako. haha

Anyway ang sabi sakin ng kausap ko sa bank is if may unit/dealer na ko, I can just send them the quotation tapos isesend nya sakin ung quote ng bank then nung nagkausap kami nasabi ko kasi na wala pa ko kausap na dealer so sabi nya I can just give her my preferred brand/model then sila na kokontak sa mga dealers.

Question ko lang, mas ok ba na sila ang kumausap or ako na lang humanap ng mga dealers? Hindi ko po kasi alam kung saan ako mas makakuha ng better deal or if pwede ba na ipakita ko sa nag-assist sakin sa bank ung quote nung agent then I can haggle for the price. Thanks po sa mga sasagot!

First off, congrats! I don't have time to respond to everything at the moment, but I urge you to pay attention to this one detail: I strongly recommend contacting your own dealer, so you are in control, not necessarily of pricing, but availability. In my case, my bank contacted the dealer for me initially. They said things were good, that I was 5th in line to get my car. Then suddenly, when I asked the dealer, I had magically gone 27th. This would not work for me, because I need the car in a month.

So, I ended up contacting 4 toyota dealers myself, and personally managed which one would give me the car fastest. Once I confirmed the dealer who would do that for me, all I need to do was send my bank the quote from that dealer I chose, and my bank sent that dealer my Purchase Order (PO) from the bank, and we lived happily ever after (not really, but I got my car in less than 2 weeks).

- servantguy -

[EQAddict]

even direct kami sa bank mag apply?

Its a Red flag for banks. But it doesnt mean they wont approve you. They will just be more diligent in examining your capability to pay. The reason is if the spouse has a credit issue they will wonder why the other spouse (you) werent able to help him resolve it to begin with.


Lesson to everyone who has a loan or is about to apply for a loan: dont screw up your credit rating. Especially with the strengthened credit sharing interconnection and govt mandated credit rating agency.



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[jodski]

Hello po mga sir! I recently got approved po sa autoloan via BPI and super newbie po ako so medyo nangangapa po ako sa process. Nasa page 58 na ko ng thread and marami na ko natutunan kaso medyo nalilito pa rin ako. haha

Anyway ang sabi sakin ng kausap ko sa bank is if may unit/dealer na ko, I can just send them the quotation tapos isesend nya sakin ung quote ng bank then nung nagkausap kami nasabi ko kasi na wala pa ko kausap na dealer so sabi nya I can just give her my preferred brand/model then sila na kokontak sa mga dealers.

Question ko lang, mas ok ba na sila ang kumausap or ako na lang humanap ng mga dealers? Hindi ko po kasi alam kung saan ako mas makakuha ng better deal or if pwede ba na ipakita ko sa nag-assist sakin sa bank ung quote nung agent then I can haggle for the price. Thanks po sa mga sasagot!

Okay lang yang gusto mo.

Find a dealer that will give you the best deal and once you're finally decided, yung quotation na yun ibigay mo sa bank

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[averyrivic]

Thanks po mga sir. So may nakausap ako na isang dealer. Ung binigay sakin na discount ng nakausap ko na dealer is 20k for Suzuki Ertiga, ok na ba yan mga sir or makakuha pa ko ng better deal? LTO is free na 9,600 daw tapos standard ung freebies hindi naman na ko nagexpect na marami ung freebies kasi hindi in house financing. Thanks po uli!

[pinkies]

sorry hindi ko alam saan puede magtanong approved na kami with our car loan and nagbayad na din kami ng reservation fee sa dealer last September 18, 2017. wala daw available na unit sa dealer at need pa order sa planta, talaga bang 1 month ang pag gawa ng unit? possible din ba na mas tumagal pa?

[FnC]

sorry hindi ko alam saan puede magtanong approved na kami with our car loan and nagbayad na din kami ng reservation fee sa dealer last September 18, 2017. wala daw available na unit sa dealer at need pa order sa planta, talaga bang 1 month ang pag gawa ng unit? possible din ba na mas tumagal pa?

Matagal talaga mag order these recent months, baka hino hoard nila yun mga units para sa price increase next year

Ericson Cudiamat- Car Loan Broker (09178851130) I Can Help You Get Approved

[JMS12]

sorry hindi ko alam saan puede magtanong approved na kami with our car loan and nagbayad na din kami ng reservation fee sa dealer last September 18, 2017. wala daw available na unit sa dealer at need pa order sa planta, talaga bang 1 month ang pag gawa ng unit? possible din ba na mas tumagal pa?

kausapin mo yung SA or supervisor me unit yan, minsan kasi pag hindi sa kanila yung car loan iniipit nila tapos aalukin ka accessories para magkaron unit.

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[mox646]

Question po. First time mag loan sa car, tinanong ko yung SA kung may mortgage fee sa toyota financing. Yung binigay nya daw na quote is leasing hindi mortgage. Ano po pinagkaiba nun sa mortgage? Pag sa bank kasi mortgage dba.


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