Car loan (First time car buyer)

**ray_noel** · September 12th, 2019 04:31 PM

Originally Posted by jnsk

Saw these people from marketplace posting about PHBWorx and offering 0% interest on car loan. Sobrang tempting kasi base sa quotation nila, wala talagang interest.

Sample:
Car SRP 558,000
Downpayment 30%: 167,400
Less 10% Discount for the remaining balance: 39,060

Balance: 351,540 / 60 months = 5,859 monthly.

Anyone tried this? Parang too good to be true, or may something before mo ma-avail to. [emoji849]

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May catch yan... imposible wala sila kikitain jan.... kaya ingat...

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**Yatta** · September 12th, 2019 04:49 PM

Originally Posted by jnsk

Saw these people from marketplace posting about PHBWorx and offering 0% interest on car loan. Sobrang tempting kasi base sa quotation nila, wala talagang interest.

Sample:
Car SRP 558,000
Downpayment 30%: 167,400
Less 10% Discount for the remaining balance: 39,060

Balance: 351,540 / 60 months = 5,859 monthly.

Anyone tried this? Parang too good to be true, or may something before mo ma-avail to. [emoji849]

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When something is too good to be true... It usually is.

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**chronicle** · September 12th, 2019 06:42 PM

Originally Posted by jnsk

Saw these people from marketplace posting about PHBWorx and offering 0% interest on car loan. Sobrang tempting kasi base sa quotation nila, wala talagang interest.

Sample:
Car SRP 558,000
Downpayment 30%: 167,400
Less 10% Discount for the remaining balance: 39,060

Balance: 351,540 / 60 months = 5,859 monthly.

Anyone tried this? Parang too good to be true, or may something before mo ma-avail to. [emoji849]

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Chineck ko sa fb yang phb.
Parang networking.
Open minded ka ba?

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**jnsk** · September 12th, 2019 06:50 PM

Originally Posted by chronicle

Chineck ko sa fb yang phb.
Parang networking.
Open minded ka ba?

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Networking nga ata, pero not sure how it works. Haha. Nagtry ako maginquire, di pa nagrereply yung ahente. Kung iisipin mo kasi yung quotation nila prang sobrang lugi for them kung totoo nga talaga. Hmm. [emoji849]

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**dr. d** · September 12th, 2019 07:50 PM

Originally Posted by jnsk

Saw these people from marketplace posting about PHBWorx and offering 0% interest on car loan. Sobrang tempting kasi base sa quotation nila, wala talagang interest.

Sample:
Car SRP 558,000
Downpayment 30%: 167,400
Less 10% Discount for the remaining balance: 39,060

Balance: 351,540 / 60 months = 5,859 monthly.

Anyone tried this? Parang too good to be true, or may something before mo ma-avail to. [emoji849]

Sent from my iPhone using Tapatalk

for a brand new car... impossible!

but if the car is a used car...

**jnsk** · September 13th, 2019 12:28 PM

Originally Posted by dr. d

for a brand new car... impossible!

but if the car is a used car...

Ayun nga doc, brand new siya! As in! [emoji23]

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**chronicle** · September 13th, 2019 01:45 PM

Originally Posted by jnsk

Ayun nga doc, brand new siya! As in! [emoji23]

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Bnew nga pero tadtad ng sticker nila para maka akit.

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**dr. d** · September 13th, 2019 08:30 PM

Originally Posted by chronicle

Bnew nga pero tadtad ng sticker nila para maka akit.

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"with all your ads sticking to my car, you should be paying me!"

sabi nga ni paQman,
"kung puede lang, long pants ang susuotin ko sa ring, para marami-raming kita sa sticker ads."

teka...
hindi kaya, yan yung mga kotseng nakikita natin ngayon, na nakukublihan ang buong side niya ng ad?

**ice15** · February 26th, 2021 04:44 PM

Sorry for the OT... Medyo may pagtatalo kami ni misis...

Buying a car. Sales person calculates na car loan based on in-house loan and bank loan...

Pero nung old days, naalala ko na we can go to our (bank) branch, they give us a calculation and they can coordinate pick-up of the unit from the closest dealership... Available pa ba itong option na ito?

Nung old days kasi, naaalala ko na mas mababa yung interest if you go to the bank directly.

**17Sphynx17** · February 26th, 2021 07:54 PM

Originally Posted by ice15

Sorry for the OT... Medyo may pagtatalo kami ni misis...

Buying a car. Sales person calculates na car loan based on in-house loan and bank loan...

Pero nung old days, naalala ko na we can go to our (bank) branch, they give us a calculation and they can coordinate pick-up of the unit from the closest dealership... Available pa ba itong option na ito?

Nung old days kasi, naaalala ko na mas mababa yung interest if you go to the bank directly.

you don't go to the dealer. you go to the bank since you are decided on the car model and trim anyway.

They can be the ones to get the quote from the dealer for you and provide their rate.

In house of dealer always higher plus their DI.

When direct to bank no "freebies" or very little in the way of add-on to give you for free. But what you save over the course of the car loan is worth more than any of them combined and much more.