car loan

[Xotigu]

meron po ba dito nareject kahit complete naman requirements? and also earning enough(like 6digits monthly)?
nung hindi kasi nagrereply yung agent ko, I tried calling the bank at yun nga nadeny yung application ko for the loan.

[Yatta]

meron po ba dito nareject kahit complete naman requirements? and also earning enough(like 6digits monthly)?
nung hindi kasi nagrereply yung agent ko, I tried calling the bank at yun nga nadeny yung application ko for the loan.

Maybe may red flag sa iyo. I know there are certain jobs (like call centers) that no matter how high your salary is, hirap pa rin ma-approve.

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[Xotigu]

Maybe may red flag sa iyo. I know there are certain jobs (like call centers) that no matter how high your salary is, hirap pa rin ma-approve.

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Software programmer po. Kaso kaka start ko kasi sa new company, pero pinrovide ko naman ung COE ko sa previous

[Yatta]

Software programmer po. Kaso kaka start ko kasi sa new company, pero pinrovide ko naman ung COE ko sa previous

Ayun. Mahirap kasi kung di ka pa permanent.

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[dr. d]

meron po ba dito nareject kahit complete naman requirements? and also earning enough(like 6digits monthly)?
nung hindi kasi nagrereply yung agent ko, I tried calling the bank at yun nga nadeny yung application ko for the loan.

if you really, really need a car,
with that monthly income, you might get a used car first.
you can get a brand new car, after some time, when you have already established some sense of "permanence" in your job, a good credit history, and reliability of your income.

[_Qwerty_]

madaming reasons.. ilang years ka na sa current work mo?? san ka nakatira?? may mga areas na red flag..

meron po ba dito nareject kahit complete naman requirements? and also earning enough(like 6digits monthly)?
nung hindi kasi nagrereply yung agent ko, I tried calling the bank at yun nga nadeny yung application ko for the loan.

[Jgab]

Hello! Nag apply ako ng Auto loan sa BDO kanina, ask ko lang sana kung usually how many days before sila tumawag? Meron po ba dito na approved agad within the day na nag pass sila ng requirements? Thank you!

[_Qwerty_]

Online lang ako nag apply thru their website.. after 1 day may nag email asking for the requirements.. I emailed the requirements the same day.. after 2 days approved na.. then after 6 days from the time I applied nailabas ko na yung sasakyan.. and this was December before Xmas.

Hello! Nag apply ako ng Auto loan sa BDO kanina, ask ko lang sana kung usually how many days before sila tumawag? Meron po ba dito na approved agad within the day na nag pass sila ng requirements? Thank you!

[Jgab]

Online lang ako nag apply thru their website.. after 1 day may nag email asking for the requirements.. I emailed the requirements the same day.. after 2 days approved na.. then after 6 days from the time I applied nailabas ko na yung sasakyan.. and this was December before Xmas.

Thanks sir! Ako nag submit na ng mga requirements kanina, so waiting nalang ako ng call from the bank. Edit ko nalang tong post ko once approved

[snussy]

meron po ba dito nareject kahit complete naman requirements? and also earning enough(like 6digits monthly)?
nung hindi kasi nagrereply yung agent ko, I tried calling the bank at yun nga nadeny yung application ko for the loan.

depende talaga yan sir sa bank, try another bank wag ka mawalan ng pag asa

got my second car loan - approved agad in 16 mins and to think BPO ako nagwork just turned 2 months sa new company ko at may credit card ako na di nabayaran sa past. so dont be discouraged kasi depende talaga sa bank yan. meron nga dito complete at eligible naman pero denied parin. and when they tried sa other banks approved naman. so dont give up sir, ma approve ka soon.
apply ka sa maraming banks AND get yourself a very good agent yung di ka iniiwan mag iisa lol..

[Jgab]

Thanks sir! Ako nag submit na ng mga requirements kanina, so waiting nalang ako ng call from the bank. Edit ko nalang tong post ko once approved

UPDATE: Last Friday tumawag ang bank for interview, and then today tumawag ulit to inform us na approved na ang application namin

[dr. d]

UPDATE: Last Friday tumawag ang bank for interview, and then today tumawag ulit to inform us na approved na ang application namin

did you go to the bank for the interview, or was the phone call the interview?

[Jgab]

did you go to the bank for the interview, or was the phone call the interview?

Phone call interview lang sir last Friday, the day after I submitted the form and requirements po.

[babkalakal]

Hello Sirs!

My friend sent this to me. pasensya na kun medyo malabo. Parang natataasan ako sa quote. Add on interest is 30.43%.

Ano ba po ang range ng interest ng brand new car ngayon sa mga banko. for a 36 mo. term?

Thanks ng madami.
2018 civic 1.8E. 1.153m presyo ng car

[babkalakal]

could't post the pic.
pero ito po details.

chinabank
1mo. adv

price: 1.153m
20%dp: 230,600
80% financed amt.: 922,400

term: 36mos.
net mo. installment: 33,435
chattel: 21,496.72
total cash out. 252,096.72

AOR = 30.49%

[ray_noel]

could't post the pic.
pero ito po details.

chinabank
1mo. adv

price: 1.153m
20%dp: 230,600
80% financed amt.: 922,400

term: 36mos.
net mo. installment: 33,435
chattel: 21,496.72
total cash out. 252,096.72

AOR = 30.49%

For me its on the high side... 3 years should be lesser than 23%...


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[L1quid]

Hello Sirs!

My friend sent this to me. pasensya na kun medyo malabo. Parang natataasan ako sa quote. Add on interest is 30.43%.

Ano ba po ang range ng interest ng brand new car ngayon sa mga banko. for a 36 mo. term?

Thanks ng madami.
2018 civic 1.8E. 1.153m presyo ng car

Sa BPI ito

BPI Auto Loans

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[babkalakal]

thanks Sir! will advice my friend to ask for a re-computation.

[tommyvercetti]

Hi! Tanong lang po. Required po ba talaga ang checking account sa pagkuha ng sasakyan? Approved na ang car loan application ko sa bank kaso isa sa hinihingi ng dealer ko as a requirement ay PDCs. I've been reading some threads in here and some were given the option to pay the monthly amortization through auto-debit. Though she mentioned that I could 'borrow' a couple of checks just for the sake of 'having' them.

[dr. d]

Hi! Tanong lang po. Required po ba talaga ang checking account sa pagkuha ng sasakyan? Approved na ang car loan application ko sa bank kaso isa sa hinihingi ng dealer ko as a requirement ay PDCs. I've been reading some threads in here and some were given the option to pay the monthly amortization through auto-debit. Though she mentioned that I could 'borrow' a couple of checks just for the sake of 'having' them.

i don't see how you can issue postdated cheques, if you do not have a checking account.
of course, you can ask your debtee for an alternative.
not all debtees are equal, kasi. what one debtee may allow, might not sit well with another debtee.
good luck.