car loan

[dos2]

Thanks Juan Martinez. What I meant on my question was if mag bank financing ba ko TODAY, aabot pa ba ung timeline ko ng processing, approval and all before the yr end which is the implementation of excise tax?

The scenario here is im approved via inhouse financing and will surely get my unit before the yr end. If ever I changed my financing to bank and di ko makuha ung unit before yr end, d ba almost same ung price na bbyaran ko because of the excise tax which almost above 100k.

Nobody can guarantee that. I honestly don't believe in "sure" units unless nagkapirmahan na kami ni dealer. Even if in-house, if there are no units, tatalon ka pa rin sa 2018. Depende din yan sa dealer (not brand) kung gaano sila kabilis mag process or kung ikaw priority nila.

Even yung excise tax rate nga pinagdedebatehan pa rin ngayon ng bicam.

With your situation, I would assume that the vehicle you are purchasing is beyond 1M since the estimated excise tax increase is more than 100K. Excise tax or not, you are better off (interest rates wise) to choose bank financing than in-house.

[TheUninvited]

May nakapag try na ba mag bayad ng down payment sa dealership via BPI transfer to anyone? Haha

I did that kase sa reservation fee, pero it's a mere 2k php.

Wondering if kaya pag transfer ng 6 digits para hindi na ako mag withdraw ng cash sa bank and wala akong checking account.

Sa dealership kase ako pinagbabayad..

[tr1ck5h07]

May nakapag try na ba mag bayad ng down payment sa dealership via BPI transfer to anyone? Haha

I did that kase sa reservation fee, pero it's a mere 2k php.

Wondering if kaya pag transfer ng 6 digits para hindi na ako mag withdraw ng cash sa bank and wala akong checking account.

Sa dealership kase ako pinagbabayad..

Afaik, bpi transfer to anyone has a max limit of 50k per account per day.


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[shadow]

May nakapag try na ba mag bayad ng down payment sa dealership via BPI transfer to anyone? Haha

I did that kase sa reservation fee, pero it's a mere 2k php.

Wondering if kaya pag transfer ng 6 digits para hindi na ako mag withdraw ng cash sa bank and wala akong checking account.

Sa dealership kase ako pinagbabayad..

Manager's cheque.


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[dr. d]

i do not believe in "sure units", either.
there's bound to be some unfortunate guy, if there are more orders than there are stocks.
so, unless they are giving me the key and it fits the car i am sitting in...

[jon_212405]

Guys,

Is 24.5% for 5 years a good deal? I have got it from PSBANK Caloocan. i think this is one of the lowest we can get. Here is the mobile number if anyone is interested, 09985369247

[midz+dem]

Thanks sa reply. Tinawagan na lang ni BPI yung SA ko. Then I received a quote from BPI. The rates are very close sa online calculator.

Free 1yr compre, asking pa if may lockin.

Chattel is not free at almost 16k.

Bali total cashout is yung dp + chattel.

Ask for coverage and conditions ng free 1st year.
Kung total wreck or loss you have to pay the premium DAW!

[Jheh]

Guys need your help. Kasi initially nagapply ako sa ng car loan sa online at naaprubahan ako ni BDO for Toyota avanza. However napagkasunduan ng pamilya na Suzuki Ertiga nalang ang kukunin, now sabi ng mga nakausap kong SA's sa Suzuki kailangan daw palitan ung approval from Toyota to Suzuki, so nagrequest na ako at nagsend na rin ng request letter sa dealer. Kaso until now mahina ang feedback ng mga SA's sa akin kahit pa sinabihan ko na ng pagbayad ng DP within the day. Pwede bang ako nalang pumunta sa delear directly at I bypass na ung mga SA's?

[dos2]

Guys need your help. Kasi initially nagapply ako sa ng car loan sa online at naaprubahan ako ni BDO for Toyota avanza. However napagkasunduan ng pamilya na Suzuki Ertiga nalng ang kukunin, now sabi ng mga nakausap kong SA's sa Suzuki kailangan daw plitan ung approval from Toyota to Suzuki, so nagrequest na ako at nagsend na rin ng request letter sa dealer. Kaso until now mhina ang feedback ng mga SA's skin kahit pa sinabihan ko na ng pagbayad ng DP within the day. Pde bng ako nlng pmunta sa delear directly at I bypass na ung mga SA's?

Dapat si BDO ang kausap mo kung magpapalit ka from Toyota Avanza to Suzuki Ertiga, not the SA kasi si bank naman ang uutangan mo.

[dos2]

Guys,

Is 24.5% for 5 years a good deal? I have got it from PSBANK Caloocan. i think this is one of the lowest we can get. Here is the mobile number if anyone is interested, 09985369247

That's a good deal per my experience. Either you are somewhat a VIP client of that bank or your DP portion is quite huge.

[Jheh]

Dapat si BDO ang kausap mo kung magpapalit ka from Toyota Avanza to Suzuki Ertiga, not the SA kasi si bank naman ang uutangan mo.

Nagrequest na rin ako sa BDO, kaso lang di ko alam kung sinong branch nila ang nagapproved initially skin kasi online application ginawa ko before at noong tumawag ako sa call center nila sabi ng rep na nakausap ko ifoforward pa rin nya ung request of transfer ng unit at may tumawag na sa akin kahapon na taga BDO to get my details at ang sabi tatawagan nalang daw ako ulit pero until now wala pa rin. Kapag ganun ba cancel na ung unang approval para sa Toyota unit at panibagong approval ang gagawin or transfer lang? TIA

[dos2]

Nagrequest na rin ako sa BDO, kaso lang di ko alam kung sinong branch nila ang nagapproved initially skin kasi online application ginawa ko before at noong tumawag ako sa call center nila sabi ng rep na nakausap ko ifoforward pa rin nya ung request of transfer ng unit at may tumawag na sa akin kahapon na taga BDO to get my details at ang sabi tatawagan nalang daw ako ulit pero until now wala pa rin. Kapag ganun ba cancel na ung unang approval para sa Toyota unit at panibagong approval ang gagawin or transfer lang? TIA

Try making a return call to the BDO personnel who called you. Malas kung call center yung tumawag kasi ibang number ang posibleng magregister. Sana nakuha mo yung name para pwede mo ipahanap pag tumawag ka sa call center ni bank.

Wait ka lang ng konti, yung mga ganyang approval kasi need pa i-approve ng senior officer depende sa loan amount, baka naman di ka pa mabigyan ng status update kasi busy yung magaaprove or naka leave. Tsaka naghahabol din ng quota yang mga yan.

Yes, cancelled na yung sa Toyota at magiissue si bank ng bagong Purchase Order (P.O.) addressed sa Suzuki dealer na napili mo.

[Jheh]

Guys,

Is 24.5% for 5 years a good deal? I have got it from PSBANK Caloocan. i think this is one of the lowest we can get. Here is the mobile number if anyone is interested, 09985369247

Sino po hahanapin jan sa mobile number?

[Jheh]

Try making a return call to the BDO personnel who called you. Malas kung call center yung tumawag kasi ibang number ang posibleng magregister. Sana nakuha mo yung name para pwede mo ipahanap pag tumawag ka sa call center ni bank.

Wait ka lang ng konti, yung mga ganyang approval kasi need pa i-approve ng senior officer depende sa loan amount, baka naman di ka pa mabigyan ng status update kasi busy yung magaaprove or naka leave. Tsaka naghahabol din ng quota yang mga yan.

Yes, cancelled na yung sa Toyota at magiissue si bank ng bagong Purchase Order (P.O.) addressed sa Suzuki dealer na napili mo.

Thank you

[TheUninvited]

Kung total wreck or loss you have to pay the premium DAW!

God forbid. I don't want to ask it since I may not be around when it happens! haha

Anyway, nag sign na din ako and I availed the "free" insurance.

5k participation for the first year and around 20k yung premium for the second year for Vitara GLX.

[Jheh]

Guys ask ko lang kapag approved ka ng bank dapat ba sa kanila mo rin babayaran ang CM? Hindi ba pde sa dealer ipasok ung CM? TIA

[JCPR20]

May nakapag try na ba mag bayad ng down payment sa dealership via BPI transfer to anyone? Haha

I did that kase sa reservation fee, pero it's a mere 2k php.

Wondering if kaya pag transfer ng 6 digits para hindi na ako mag withdraw ng cash sa bank and wala akong checking account.

Sa dealership kase ako pinagbabayad..

Workaround. Gawa ka ng Withdrawal slip then gawa ka din deposit slip papunta sa account ni dealer, same amounts.

[tr1ck5h07]

Guys ask ko lang kapag approved ka ng bank dapat ba sa kanila mo rin babayaran ang CM? Hindi ba pde sa dealer ipasok ung CM? TIA

Unless inhouse financing kinuha mo, sa bank ka dapat magbayad ng CM.


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[dos2]

Guys ask ko lang kapag approved ka ng bank dapat ba sa kanila mo rin babayaran ang CM? Hindi ba pde sa dealer ipasok ung CM? TIA

What comprises the CM?

[Jheh]

Unless inhouse financing kinuha mo, sa bank ka dapat magbayad ng CM.


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Ah kaya pala kasama un sa final quotation ng bank sa akin...