Car loan (First time car buyer)

[JJB]

You change insurance before the 2nd year? Any feedback backs about that insurance?

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I've gotten good feedback with federal Phoenix or fpg. My car's not on bank loan


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[pjcunom]

if you paid for the car, cold cash, you are not required to get comprehensive insurance of any sort, po. only the TPL, as required by law, is necessary.

Why sir? Please enlighten me..[emoji1] but I'm getting autoloan.

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[ninjababez]

Why sir? Please enlighten me..[emoji1] but I'm getting autoloan.

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pag utang kasi yung auto, at na aksidente ka. mas safe sa kanila na may insurance. kung i default mo nalang yun loan dahil sa damages, at di mo na bayaran; atleast may insurance na mag aayos nun for them at mabebenta pa nila.

[dr. d]

Why sir? Please enlighten me..[emoji1] but I'm getting autoloan.

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if you are still making monthly payments on the car, technically, the car is not yours but the bank's. the banks just want to be sure that, if the car meets an unfortunate event, their investment is covered by insurance. some banks may even dictate which insurance company is "acceptable" to them.
but if you bought the car in full, you own the car. you can drive it into the river and no one will run after you.
heh heh.

[pjcunom]

if you are still making monthly payments on the car, technically, the car is not yours but the bank's. the banks just want to be sure that, if the car meets an unfortunate event, their investment is covered by insurance. some banks may even dictate which insurance company is "acceptable" to them.
but if you bought the car in full, you own the car. you can drive it into the river and no one will run after you.
heh heh.

Wahaha..pag nagautoloan pala ako hindi ko puwede ipadaan sa ilog? Hehe pagTPL insurance po sir pagnabangga aayusin agad ng insurance? Pano kung nakabanga ng tao at may fatality covered din po yun?

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[dr. d]

Wahaha..pag nagautoloan pala ako hindi ko puwede ipadaan sa ilog? Hehe pagTPL insurance po sir pagnabangga aayusin agad ng insurance? Pano kung nakabanga ng tao at may fatality covered din po yun?

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if you are someone who knows how to walk on water...

TPL. third party liability.
you are the first party.
yung insurance company ang second party.
the third party is the naka-bangga nyo. siya ang makikinabang sa insurance. naka-saad in fine detail ang sasagutin ng tpl insurance nyo. basahing mabuti, gumamit ang magnifying glass.
gaano katagal ang release ng salapi? very good question! i wish i knew the answer...

[CLV]

BPI loan approved!!! Free chattel, free 1 yr insurance with AOG, with lower interest compare to Metrobank... Dealer free TPL, 3M tint, floormat, window visor, sparewheel lock, cargo tray, ERA card, early warning device, tools, car cover, 10k PMS labor free, 100k warranty...

Jackpot!!! Early Christmas gift for my family...

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[kelog91]

BPI loan approved!!! Free chattel, free 1 yr insurance with AOG, with lower interest compare to Metrobank... Dealer free TPL, 3M tint, floormat, window visor, sparewheel lock, cargo tray, ERA card, early warning device, tools, car cover, 10k PMS labor free, 100k warranty...

Jackpot!!! Early Christmas gift for my family...

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san to? pa refer? hehehehe

[yubby24]

BPI loan approved!!! Free chattel, free 1 yr insurance with AOG, with lower interest compare to Metrobank... Dealer free TPL, 3M tint, floormat, window visor, sparewheel lock, cargo tray, ERA card, early warning device, tools, car cover, 10k PMS labor free, 100k warranty...

Jackpot!!! Early Christmas gift for my family...

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Saan ka pa pong ibang bank nag-apply bukod sa BPI? Nag-apply rin ako sa kanila online. Tumawag na sila sakin nung Friday for background check. Sa Security Bank pa lang ako approved sa ngayon eh. Tsaka anong car po kinuha nyo? Congrats sa new ride.

[CLV]

san to? pa refer? hehehehe

S BPI bro, BPI and Metrobank ako nag apply, BPI account existing ako pero mataas autoloan nila kaya tumingin ako s iba, s ibang banks nmn metrobank ang pinakalowest, nakipag deal ako s BPI n kung pede tapatan nila yung offer ng metrobank otherwise mapipilitan akong lumipat ng ibang bank. 1 day lang nagreply sila s email at mas mababa p ng konti lang nmn n interest

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[CLV]

Saan ka pa pong ibang bank nag-apply bukod sa BPI? Nag-apply rin ako sa kanila online. Tumawag na sila sakin nung Friday for background check. Sa Security Bank pa lang ako approved sa ngayon eh. Tsaka anong car po kinuha nyo? Congrats sa new ride.

BPI baguio ako nag apply, ford metro baguio, everest kukunin ko bro, dapat sa dealer k din makipag deal bukod s bank, once cash yung downpayment pede k p bigyan ng discount bukod s mga freebies

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[yubby24]

BPI baguio ako nag apply, ford metro baguio, everest kukunin ko bro, dapat sa dealer k din makipag deal bukod s bank, once cash yung downpayment pede k p bigyan ng discount bukod s mga freebies

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Approved na rin ako sa BPI kahapon. Bigyan daw nila ako ng quote dun sa kausap daw nilang dealer (Honda Pasig). Magcheck din ako ng ibang dealer. Preferred ko sana sa Honda Rizal dahil may mga kakilala akong ahente dun na kawork ko dati. Nag-apply din ako sa ibang banks. Sa Security Bank pa lang ako approved tsaka sa BPI. Hintay pa ko ng reply from Metrobank at BDO.

[pjcunom]

Sir pano po yun first time ko kasi magautoloan.. magpapaapprove palang ako sa bpi, balak ko magdown ng 30% at 5 yrs term.

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[daryl25]

mga sir, sa may mga approval na and gusto kumuha ng nissan PM nyo lng ako madami kmi units na available(navara,juke,urvan,xtrail and patrol)
sa mga di po nakakuha ng approval sa bank PM nyo lng din po ako bka matulungan ko kyo. thanks

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[EsYuBi]

Sir pano po yun first time ko kasi magautoloan.. magpapaapprove palang ako sa bpi, balak ko magdown ng 30% at 5 yrs term.

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Punta ka sa bank ask for loan officer, pa quote mo ang price and % interest then pwede mo yan i compare s ibat ibang banko, kung san mas maganda offer dun ka mag loan. bibigyan ka nila ng list of requirements for autoloan sir.

[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.