car loan

[ray_noel]

nagcompare ako sa lahat ng malalaking banks (BDO, BPI, Metrobank, Security Bank, PNB, RCBC)
best rates talaga sa metrobank. 3years nila- 8.36% interest rate, for OMA.
may on going promo din sila may cashback depending on the amount you applied for.

Meaning 25% interest rate ng metrobank for 3 years right?


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[Query453]

Meaning 25% interest rate ng metrobank for 3 years right?


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Parang hindi ata? Baka 5 years un? Maxado malaki 25% for 3 years lang. Usually nasa 15% -16%, ang laro ng effective ng 3 years kahit ibang bank. Bpi quoted me 16.05% para in arrears, 14.87% sa chinabank, 15.21% security bank.

[KcireReaver]

how much ussually is chattel mortgage?

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[Query453]

how much ussually is chattel mortgage?

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Try mo magemail sa mga banks, sa website nila, so far nagreply naman sila lahat sa mga inemails ko. Iba iba kasi qinuquote nila.


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[epsalvador]

Parang hindi ata? Baka 5 years un? Maxado malaki 25% for 3 years lang. Usually nasa 15% -16%, ang laro ng effective ng 3 years kahit ibang bank. Bpi quoted me 16.05% para in arrears, 14.87% sa chinabank, 15.21% security bank.

sorry my bad its 14.3700% pala OMA for metrobank.. 3 years

[ngobzi]

hi good eve everyone, anyone here can tell ano ba ang consularized spa? kasi my sister na nasa abroad is applying for a car loan sa bdo, the question is if na complete na documents like ang spa and other requirements, worry ko lang baka may possibility na baka if di ma approved sayang ang ginastos sa consularized spa, pwede ba na to follow na lang ang spa? at if pwede gamitin un spa sa other banks? hope someone has an idea or same experience sa ganito,,

[dr. d]

hi good eve everyone, anyone here can tell ano ba ang consularized spa? kasi my sister na nasa abroad is applying for a car loan sa bdo, the question is if na complete na documents like ang spa and other requirements, worry ko lang baka may possibility na baka if di ma approved sayang ang ginastos sa consularized spa, pwede ba na to follow na lang ang spa? at if pwede gamitin un spa sa other banks? hope someone has an idea or same experience sa ganito,,

from what i recall,
your sister will make a power of attorney over there, and the philippine embassy's representative there will confirm that it is legitimate.
this confirmed document will be sent to the philippines. this is what you will show the financing firm where you are applying the loan from.
the power of attorney indicates the use(s) it is valid for.

but my question is, does the financing firm know of your arrangement with your sister? ask them first, if they will allow it.

good luck.

[ngobzi]

[QUOTE=dr. d;2977686]from what i recall,
your sister will make a power of attorney over there, and the philippine embassy's representative there will confirm that it is legitimate.
this confirmed document will be sent to the philippines. this is what you will show the financing firm where you are applying the loan from.
the power of attorney indicates the use(s) it is valid for.

but my question is, does the financing firm know of your arrangement with your sister? ask them first, if they will allow it.

good luck.[/QUOT
thanks dr d, its our first time on applying for a bank car loan, sabi kasi ng manager ng bank my sister will have to process the spa at the embassy then send it here kasi yun ang kulang na lang na documents, pero how if di ma approve sayang naman ang effort, i thought kasi na if pre approved na sa mga documents na na submit like coe, payslip etc saka na lang un spa if pumasa na sa credit dept nila, just thingking lang if it it goes this way ang process ng bank

[Query453]

[QUOTE=ngobzi;2977691]

from what i recall,
your sister will make a power of attorney over there, and the philippine embassy's representative there will confirm that it is legitimate.
this confirmed document will be sent to the philippines. this is what you will show the financing firm where you are applying the loan from.
the power of attorney indicates the use(s) it is valid for.

but my question is, does the financing firm know of your arrangement with your sister? ask them first, if they will allow it.

good luck.[/QUOT
thanks dr d, its our first time on applying for a bank car loan, sabi kasi ng manager ng bank my sister will have to process the spa at the embassy then send it here kasi yun ang kulang na lang na documents, pero how if di ma approve sayang naman ang effort, i thought kasi na if pre approved na sa mga documents na na submit like coe, payslip etc saka na lang un spa if pumasa na sa credit dept nila, just thingking lang if it it goes this way ang process ng bank

Yup, pa approve nia muna ung loan. Ung case ko ofw din ako, via email lang ginawa ko. Submit online, then ininform na lang nila na ako approved na loan application ko. Lahat scanned copies lang, Pero ako nagsend ng email kahit nasa abroad ako. At that time di ko na kailangan ng spa, kasi umuwi ako ng kukunin ko na ung unit, same day nagsign na lang ako ng docs sa bank ng umaga then derecho na sa dealer.



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[dr. d]

[QUOTE=ngobzi;2977691][QUOTE=
thanks dr d, its our first time on applying for a bank car loan, sabi kasi ng manager ng bank my sister will have to process the spa at the embassy then send it here kasi yun ang kulang na lang na documents, pero how if di ma approve sayang naman ang effort, i thought kasi na if pre approved na sa mga documents na na submit like coe, payslip etc saka na lang un spa if pumasa na sa credit dept nila, just thingking lang if it it goes this way ang process ng bank[/QUOTE]






i find the bank manager's response, if that is indeed his response, strange.
if he knows already the background of the situation, and all he is waiting for is the documentation confirming so, he should already know if it will be approved or not.
and if he does not know, then he should ask the his loans officer.

to me, it is something like, "we have reviewed your situation, and approved na po ito, provided the documentation supporting your situation arrives.."

[ninjababez]

question lang about toyota financial acquired cars
way back 2011 pa kasi fully paid yung auto. yung owner bibigyan nalang ako ng authorization letter to pickup the orcr.
san ko ito pickup? sa toyota branch ba or sa metrobank?
thanks!

[mikrizalid]

Good day Tsikoteers! So may existing loan ako sa PS Bank pero pina assume ko na last February at my plano ako mag apply direct sa bank, yung sa PS Bank thru agent yun. My chance kaya ako maaprove kung mag apply ako sa mga banks?

[ninjababez]

Good day Tsikoteers! So may existing loan ako sa PS Bank pero pina assume ko na last February at my plano ako mag apply direct sa bank, yung sa PS Bank thru agent yun. My chance kaya ako maaprove kung mag apply ako sa mga banks?

kung may proof of income ka na kaya mong bayaran ng sabay yun 2 loans mo, wala dapat problema yan.

[Jj_girl]

Hi po mga bossing!

Got an approval from psbank for mirage gls. But i have questions po.

1. What happens next after approval?
2. May additional payments pa po ba akong babayaran upon releasing of the unit kahit na inassure ako ng agent na all in na ung 48k dp na babayaran ko?
3. Ganu po katagal ung process of transfer ng approval? Kasi po nagustuhan ko ung foton pick up.

Salamat po sa sasagot!

[3GEMS]

Pano kaya ma-approve pinsan ko from province. Kukuha ng unit (xpander or innova) kaso recently lang nagkabank record since nakapag asawa ng expat. 20% downpayment.

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[snussy]

mga boss - any idea how long yung car loan results sa east west at maybank? got a call from them august 1. wala pa news today...sana naman ma ok =(

[vjmelvs2k4]

guys,
mejo concerned aq sa delay in bank approval for a low dp promo.
I am waiting for an update from 2 dealers (nissan and honda).
Participating banks ng nissan is taking almost 2 weeks na with no update. Last ffup q sa dealer last week - pending pa daw. Hanggang nawalan naqo ng gana magffup sa kanya kc almost daily q siya ffup last week.
Ung sa honda naman, only rcbc called me to do CI. When i ffup yesterday, minsan daw umaabot ng 1 week kc di daw makadaan POC nun bank sa casa minsan. Ni reassure naman nya aq that he will help me. Till now, no calls or text from both dealers and banks.

Recently ba may delays talga sa bank approvals? Sa mga nababasa q sa thread is normally within 24 hrs to 2 days may result na.

[snussy]

guys,
mejo concerned aq sa delay in bank approval for a low dp promo.
I am waiting for an update from 2 dealers (nissan and honda).
Participating banks ng nissan is taking almost 2 weeks na with no update. Last ffup q sa dealer last week - pending pa daw. Hanggang nawalan naqo ng gana magffup sa kanya kc almost daily q siya ffup last week.
Ung sa honda naman, only rcbc called me to do CI. When i ffup yesterday, minsan daw umaabot ng 1 week kc di daw makadaan POC nun bank sa casa minsan. Ni reassure naman nya aq that he will help me. Till now, no calls or text from both dealers and banks.

Recently ba may delays talga sa bank approvals? Sa mga nababasa q sa thread is normally within 24 hrs to 2 days may result na.

same here boss, got a call from eastwest yesterday around 10am - asked me questions then sabi niya wait for CI daw, then around 730pm got a text from them that they received my application and will be expecting a call within 24 hrs - but till now wala.

maybank - my hr got a call from them, kaso the rep from the bank was assuming the number she dialed was me, so hr informed the rep that she is calling hr and not me. (ininform ko na sila ahead, also asked for coe kasi)

until now - no news, been looking out for CIs outside my home since nightshift po ako. hehehe

[vjmelvs2k4]

same here boss, got a call from eastwest yesterday around 10am - asked me questions then sabi niya wait for CI daw, then around 730pm got a text from them that they received my application and will be expecting a call within 24 hrs - but till now wala.

maybank - my hr got a call from them, kaso the rep from the bank was assuming the number she dialed was me, so hr informed the rep that she is calling hr and not me. (ininform ko na sila ahead, also asked for coe kasi)

until now - no news, been looking out for CIs outside my home since nightshift po ako. hehehe

totoo.. night shift rin aq kaya lagi inde naka silent ang phone q para magising aq sa CI calls.
banks who called me last week were eastwest, chinabank and psbank. Lahat daw pending results pa rin.
Monday this week, rcbc naman nakausap q.
I am hoping may makakatulong sa atin here to shed some light.

[mikrizalid]

kung may proof of income ka na kaya mong bayaran ng sabay yun 2 loans mo, wala dapat problema yan.

Thank you sir ninjababez, nag apply ako sa bpi family auto loan online nung July 29 then kahapon tumawag na taga BPI ininterview ako then today tumawag ulit para ipa-alam na approved na loan ko.