car loan

**manilamako** · November 12th, 2015 01:41 AM

Dapat sinarili mo na yan krisace eh. Panloloko padin yan. Pero goodluck at sana maayos yang uber plan mo.

Gusto ko lang malaman ano interest rate nga na nakuha mo sa ahente mo? Siguradong mataas ang interest niyan at nabulsa na niya yun incentive haha. Maagang pamasko.

**lakay77** · November 12th, 2015 05:40 AM

Originally Posted by manilamako

Dapat sinarili mo na yan krisace eh. Panloloko padin yan. Pero goodluck at sana maayos yang uber plan mo.

Gusto ko lang malaman ano interest rate nga na nakuha mo sa ahente mo? Siguradong mataas ang interest niyan at nabulsa na niya yun incentive haha. Maagang pamasko.

pag in house ka mataas talaga interest given na iyan. iba talaga ang pag bank PO

**Yatta** · November 12th, 2015 08:37 AM

Originally Posted by Krisace

Sorry for the confusion. Una kasi nginquire ako sa Hyundai plan ko get is Accent kaso wala unit ang advised ni agent mgreserved ako for 10k pero 3weeks na nsa initial stage pa din kami which is bank approval pero wala tmtwag na bank to conduct CI sbi pa nga nya decline ako EWBank pero di ako nkreceived call now naginaquire Ako mazda get ko unit is mazda 3 nung monday ko lang pinasa application ko nagulat ako kasi tmwag EWbank pinasa ng agent ko mazda app ko sknla pero sbi agent ko hyundai declined daw. Now napaapproved ako agent ko mazda sa sterling bank baka bukas or fri makuha ko na unit. Humihingi nako refund sa hyundai kasi ok na sa mazda 3weeks time daw. Eto pa last 2weeks ago humingi na 1.2k agent ko kasi kukuha nya ako ITR and payslip na malaki para mapproved ako bngy ko para mapprived lang and humingi ako copy pero di ako bngyan. Bwisit na nga ako. Gsto pa nga nya una mgbgay nako ng DP buti hndi ko gnwa

Naguguluhan pa rin ako (mostly dahil kulang sa period, comma at textspeak hehe). Pero kung Mazda 3 nga kinukuha mo, matagal talaga yan dahil galing pa ng Japan ang unit minsan sa isang buwan lang ang bagsak.

But to tell you the brutal truth, sa tingin ko base sa mga kwento mo, hindi ka pa dapat bumili ng kotse.

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Originally Posted by Krisace

Sorry for the confusion. Una kasi nginquire ako sa Hyundai plan ko get is Accent kaso wala unit ang advised ni agent mgreserved ako for 10k pero 3weeks na nsa initial stage pa din kami which is bank approval pero wala tmtwag na bank to conduct CI sbi pa nga nya decline ako EWBank pero di ako nkreceived call now naginaquire Ako mazda get ko unit is mazda 3 nung monday ko lang pinasa application ko nagulat ako kasi tmwag EWbank pinasa ng agent ko mazda app ko sknla pero sbi agent ko hyundai declined daw. Now napaapproved ako agent ko mazda sa sterling bank baka bukas or fri makuha ko na unit. Humihingi nako refund sa hyundai kasi ok na sa mazda 3weeks time daw. Eto pa last 2weeks ago humingi na 1.2k agent ko kasi kukuha nya ako ITR and payslip na malaki para mapproved ako bngy ko para mapprived lang and humingi ako copy pero di ako bngyan. Bwisit na nga ako. Gsto pa nga nya una mgbgay nako ng DP buti hndi ko gnwa

Naguguluhan pa rin ako (mostly dahil kulang sa period, comma at textspeak hehe). Pero kung Mazda 3 nga kinukuha mo, matagal talaga yan dahil galing pa ng Japan ang unit minsan sa isang buwan lang ang bagsak.

But to tell you the brutal truth, sa tingin ko base sa mga kwento mo, hindi ka pa dapat bumili ng kotse.

**sirLancelot** · November 12th, 2015 08:53 AM

Originally Posted by Yatta

Naguguluhan pa rin ako (mostly dahil kulang sa period, comma at textspeak hehe). Pero kung Mazda 3 nga kinukuha mo, matagal talaga yan dahil galing pa ng Japan ang unit minsan sa isang buwan lang ang bagsak.

But to tell you the brutal truth, sa tingin ko base sa mga kwento mo, hindi ka pa dapat bumili ng kotse.

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Naguguluhan pa rin ako (mostly dahil kulang sa period, comma at textspeak hehe). Pero kung Mazda 3 nga kinukuha mo, matagal talaga yan dahil galing pa ng Japan ang unit minsan sa isang buwan lang ang bagsak.

But to tell you the brutal truth, sa tingin ko base sa mga kwento mo, hindi ka pa dapat bumili ng kotse.

For the nth time na namention yan dito pero mukhang decided na talaga kumuha si OP.

Goodluck sir.

**EQAddict** · November 12th, 2015 10:16 AM

Text speak is not allowed.

**jut703** · November 12th, 2015 10:27 AM

I see a repo car coming...

Sent from my SM-N910C using Tapatalk

**EQAddict** · November 12th, 2015 10:31 AM

I agree with many over here. Based on your responses, this would be a bad decision on your part. Why?

1. You are actively trying to fake your documents to deceive the banks that you are capable of paying for the loan. The mere fact that you are hiding your marginal ability to pay the monthly fees means that you are already starting off on the wrong foot.

2. You are bribing unscrupulous agents to help you do #1.

3. You have no reliable co-maker who can help you out. You are just trying to find a co-maker for the sake of compliance and not really because you are looking for someone who has the financial capacity to back you up in times of trouble.

4. You are jumping from one car model to another. As long as you get a car..... you don't care which you get. Seems to me that you haven't studied this through. For the biggest purchase so far in your life......nagmamadali ka.

5. What are your uber or grab taxi plans? Are you sure you can sustain this for the next z years over the life of your loan? Do you have a provision for difficult times for when you will have to pay ammortizations?

6. Your credit rating. Do you know the consequences if your car is repossessed ? You wont be able to get a bank loan for the next 8 years. That's a long time.

7. You are using proceeds of your lolo's land sale for something very risky. A once in a lifetime windfall and you're gambling it on this shaky venture. Nagmamadali ka talaga. Sayang lang iyan. Easy come easy go. Sadly also never will come again.

I wish you luck but think this thru. Be ready first. Get a more stable position financially before you risk everything.

**joshbonz** · November 12th, 2015 11:37 AM

TO the O.P.

wag padalos dalos kumuha ng car sir.... cars are always there and they come and go... Just because atat na atat ka magka kotse or for your uber biz, gusto mo instant na lahat. Hindi sa lahat ng paraan at bagay makukuha mo ang gusto mo...

Sometimes, Lola Nidora would say "Mas maganda ang mga bagay na pinagtitiyagaan, lahat ng bagay... dadaan yan sa tamang panahon"

wag pipilitin pag hindi nman talaga uukol sa 'yo..

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TO the O.P.

wag padalos dalos kumuha ng car sir.... cars are always there and they come and go... Just because atat na atat ka magka kotse or for your uber biz, gusto mo instant na lahat. Hindi sa lahat ng paraan at bagay makukuha mo ang gusto mo...

Sometimes, Lola Nidora would say "Mas maganda ang mga bagay na pinagtitiyagaan, lahat ng bagay... dadaan yan sa tamang panahon"

wag pipilitin pag hindi nman talaga uukol sa 'yo..

**luffy35** · November 12th, 2015 11:44 AM

Sir EQAddict said it all, also for those who have these same dilemma, just make sure you are financially stable to venture on these kind of business. you must have enough resources para malampasan ang setbacks mo nang hindi ka magsisi sa huli.

**Juan Martinez** · November 12th, 2015 11:50 AM

Originally Posted by EQAddict

I agree with many over here. Based on your responses, this would be a bad decision on your part. Why?

1. You are actively trying to fake your documents to deceive the banks that you are capable of paying for the loan. The mere fact that you are hiding your marginal ability to pay the monthly fees means that you are already starting off on the wrong foot.

2. You are bribing unscrupulous agents to help you do #1.

3. You have no reliable co-maker who can help you out. You are just trying to find a co-maker for the sake of compliance and not really because you are looking for someone who has the financial capacity to back you up in times of trouble.

4. You are jumping from one car model to another. As long as you get a car..... you don't care which you get. Seems to me that you haven't studied this through. For the biggest purchase so far in your life......nagmamadali ka.

5. What are your uber or grab taxi plans? Are you sure you can sustain this for the next z years over the life of your loan? Do you have a provision for difficult times for when you will have to pay ammortizations?

6. Your credit rating. Do you know the consequences if your car is repossessed ? You wont be able to get a bank loan for the next 8 years. That's a long time.

7. You are using proceeds of your lolo's land sale for something very risky. A once in a lifetime windfall and you're gambling it on this shaky venture. Nagmamadali ka talaga. Sayang lang iyan. Easy come easy go. Sadly also never will come again.

I wish you luck but think this thru. Be ready first. Get a more stable position financially before you risk everything.

+ re-post it so that he can read it again. (this should be translated in tagalog or Filipino to be clearly understood)