Car loan (First time car buyer)

[pjcunom]

Sir questions lang po. Yung mga dealer na nagooffer ng discounts, saan ba ididiscount yun sa price ng sasakyan po ba? Or sa down payment? thanks

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[CLV]

Sir questions lang po. Yung mga dealer na nagooffer ng discounts, saan ba ididiscount yun sa price ng sasakyan po ba? Or sa down payment? thanks

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Dun s downpayment yun ibabawas in case bibigyan k

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[pjcunom]

Dun s downpayment yun ibabawas in case bibigyan k

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Kung sa dp po ibabawas then bawas din po yung total price?

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[CLV]

Kung sa dp po ibabawas then bawas din po yung total price?

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No bro, ex: kung 20% DP sa 1M ay 200k, depende s usapan nyo ng dealer kung bibigyan k nila ng discount, ex kung binigyan k ng 20k disount, 180k nlng babayaran mo s kanila, ung 80% s bank same price p din yun

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[dr. d]

Kung sa dp po ibabawas then bawas din po yung total price?

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hingi kayo ng complete schedule of payments, of their various programs, po.
include the getting-into-mortgage fees and getting-out-of-mortgage fees.
total all them monies and you will get an idea of how much you are going to pay.

[pjcunom]

hingi kayo ng complete schedule of payments, of their various programs, po.
include the getting-into-mortgage fees and getting-out-of-mortgage fees.
total all them monies and you will get an idea of how much you are going to pay.

Thanks po.

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[jodski]

True... sa dami ng email na dumadating sa inbox ko pertaining to promo on discounts it's not hard to notice na may mga unit na one year old pa lang naka park na car depot.

Posted din yan sa website ng banks under the link "Properties to Sell"

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[pongscript]

True... sa dami ng email na dumadating sa inbox ko pertaining to promo on discounts it's not hard to notice na may mga unit na one year old pa lang naka park na car depot.

Posted din yan sa website ng banks under the link "Properties to Sell"

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Kung mababa lang sana yung presyo ng repossessed, kaso konti na lang brand new na. Tapos malaki pa rin tubo if ipapasok mo ng loan.. edi brand new ka na lang.. sure ka pa na di palyado ang maintenance..


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[papi smith]

baka naman negotiable pa? these cars depreciate in value fast even when not in use. siguro maganda nyan pili ka 10 units, then 6 months later check mo kung alin ang andun pa and how much na selling nila

[papi smith]

or tawaran mo agad using the standard depreciation for vehicles, 1 year 80%, 2 years 70%, 3 years 60%...

[kamotekid1968]

question po: pwede kaya ma-waive ang chattel mortgage pag nag carloan ka sa isang bank given na walang promo ang bank regarding sa insurance at chattel mortgage...thanks po!!! more power!!!!

[pongscript]

1. Release na yan after magkapirmahan ng docs(within the day)
2. Kahit di mo na hintayin, usually good for 1 week yung paper, at prompt naman sila usually sa or/cr unlike sa motorcycle..
3. Naka indicate dun sa docs yung kelangan ang simula ng ammort mo, pwede mo kausapin if gusto mo paadjust yung date with fee but usually nililibre na nila yun, depende sa ahente. Pero di naman pwede na ipasched mo after 2 months.. usually sa susunod na buwan after release.


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[pongscript]

At pwede mo pa email yung copy ng or/cr if di mo mapipickup directly.. eg busy.. :-)


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[Curious85]

Hi, first time buyer here. Nag in house financing ako and the agent asked me to sign a lease agreement. Question is, bakit lease agreement and not purchase agreement yung doc? I think bago lang yung agent na nagaassist sakin kasi hindi nya maexplain kung bakit.

[dcvingkamotekid]

sir *Curious85, just an advice, if you have the monies, you could go straight sa bank and apply for a loan...that way, bank ang kausap mo at di kung sino-sinong agent ng isang dealership. downside lang is, mas malaki DP mo sa bank (minumum of 20% afaik) pero low interest rate compared to in-house financing. at the end of the day, it is still your call.

[ArjAngel]

also got a loan through bank, security to be specific, ok naman sila madali din approval at ok kausap

[carwhacko]

Yes malaki cash out sa bank mismo pero pag sa dealer laki discount sa cash out pero bawi sa laki ng monthly amortization mo.


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[captjacksparrow]

Hi po, need advice. Someone offered me (kakilala) an Innova E AT diesel for 17,661 monthly for 5 yrs with 500K DP plus 32K for Insurance and 28.8K for Chattel. But then he is giving me 65K discount so initial cashout would be around 495.8K. Is this a good deal? Car SRP is 1.309M

[marioskid]

Kasi sa CRV 2007 eh pag 26thou hindi kasama acts of God

[marioskid]

Kasi sa CRV 2007 eh