Car loan (First time car buyer)

[pongscript]

Quick question po. Gano katagal ang validity ng loan approval ng bank? Pag may approval ka na ba, kelangan makahanap ka na agad ng dealer na pagkukunan mo ng sasakyan?

1 month daw.. but i was contacted by bpi after 3-4 months nung nakakuha ako ng car.. so iguess if direct sa bank, medyo matagaltagal. But dont use it against me, based lang sa current experience ko.


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[yubby24]

^
Thanks po sa reply. Nagtry na ko mag-apply sa Security Bank ngayon. Dito rin kasi kami nakapayroll. Pero sa Dec ko pa balak kumuha ng car.

[juanricodreams]

Go to different casa that has the car that you want thentest drive it, or even go further and try different cars, you currently have the power since you are already preapproved.
Next is to get a deal for each casa, you can then contact each then ipasa mo yung deal from casa to casa para mag deal beat sila.. you will see how these leaches will try to get you.. maguunahan yan, pagandahan ng deal. Any additional accessories, promo and freebies should be welcome, you can even try to demand one. Dont be guilty kasi ganyan talaga kalakaran jan.


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Newbie here, need to post. Above is informative, planning to have my 1st car thru bank financing.

[pongscript]

Newbie here, need to post. Above is informative, planning to have my 1st car thru bank financing.

Additional diskarte, if possible after test drive.. make the deal via email and phone call. So hindi ka maiinfluence ng sales agent.. minsan sobrang pacute/cute or agressive, persuasive ng mga agent na medyo maclocloud ang decision mo.. just a tip.. good luck sa pag bili!!!


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[juanricodreams]

Additional diskarte, if possible after test drive.. make the deal via email and phone call. So hindi ka maiinfluence ng sales agent.. minsan sobrang pacute/cute or agressive, persuasive ng mga agent na medyo maclocloud ang decision mo.. just a tip.. good luck sa pag bili!!!


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Salamat. Tingin2 lng po ako ng mga ideas dito before making my trip to the bank and the dealership.

[yubby24]

Approved na ko sa isang bank. Tanong ko lang kung ok na kaya itong offer sa akin?

DP: P177,400
One Month Advance: P14,935
Chattel Mortgage Fee: P22,863
Cancellation Fee: P700


Total Cash Out: P215,898

[pongscript]

taga san ka at san bank yan? Hanap ka ng free chattel.. at magkano total contract price and.mortgage.. di lang kasi down dapat iconsider dyn.. pati yung.monthly

Approved na ko sa isang bank. Tanong ko lang kung ok na kaya itong offer sa akin?

DP: P177,400
One Month Advance: P14,935
Chattel Mortgage Fee: P22,863
Cancellation Fee: P700


Total Cash Out: P215,898

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[papi smith]

Punta ka dito paps.... BPI Auto Loans

Approved na ko sa isang bank. Tanong ko lang kung ok na kaya itong offer sa akin?

DP: P177,400
One Month Advance: P14,935
Chattel Mortgage Fee: P22,863
Cancellation Fee: P700


Total Cash Out: P215,898

[confused shoes]

^^Yes, BPI is offering free chattel. See the bank manager.

[dr. d]

^^Yes, BPI is offering free chattel. See the bank manager.

really free!??
baka naman, they spread the chattel around around, among the monthlies?