Car Loan Interest Rates?

[puroiskii]

Paquote din po. 1198000 20% dp 48 mos.
froilan.ece*gmail.com
Tia

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[ajkotse]

Hi Guys!

I'm planning to loan a car. 2nd hand worth 350k. magdown ako ng 150k, 200k loan-able.

based sa mga nakita kong rate pinakamura eh sa psbank 3yrs = 19.5% lang.
pero nakita ko may mga 16% lang dito sa thread. pwde nyo ba ishare sang bank or may kakilala dun para macontact ko?

thanks in advance!

[lukscudkil]

Saan may pinakamababang interest rate for 5 years. I will be buying Mirage GLX AT for 548k (less 40k pa for the promo discount). 20% DP?

Kay PSBank pa lang ako nagtatanong ang calculated monthly amortization ko is 8779 pesos.

Wala pa yung chattel mortgage, insurance, lto, ect.

Thanks!

Sir/mam,

60 mos 8,700
free petron fuel card 4,000.00

thanks

mark
09209131297

[_Qwerty_]

eto sabi sa BPI Auto Loan Calculator.. mataas nga interest rate pag 2nd hand.. sa 24 months halos 21% sa 36 months 30%..

BPI Family Auto Loan

for 24 months:
Monthly Amortization is Php 12,609.38.

for 36 months:
Monthly Amortization is Php 9,038.19.

eto yung sa brand new.. BPI Family Auto Loan

lumalabas 12.7% pag 24 months at 19.7% pag 36 months pag brand new..

Hi Guys!

I'm planning to loan a car. 2nd hand worth 350k. magdown ako ng 150k, 200k loan-able.

based sa mga nakita kong rate pinakamura eh sa psbank 3yrs = 19.5% lang.
pero nakita ko may mga 16% lang dito sa thread. pwde nyo ba ishare sang bank or may kakilala dun para macontact ko?

thanks in advance!

[qman]

Can anyone comment if this is a good deal?

Price: 1,358,000
20% DP: 271,600
Insurance: 45,566
LTO: 9,700
CM: 40,435
Monthly Amort: 20,857

5 years to pay.


Thanks!

Ayos to ah ang baba VIP client ka siguro nila. Kunin mo na sobrang baba na yan 15% for 5 yrs. karaniwan naglalaro sa 26-29 percent ang 5 yrs eh.

Anong bank yan?

[roelrpt]

Ayos to ah ang baba VIP client ka siguro nila. Kunin mo na sobrang baba na yan 15% for 5 yrs. karaniwan naglalaro sa 26-29 percent ang 5 yrs eh.

Anong bank yan?

I think 20.198822 % yung interest for 5 years. Pwede na, sabi nga mostly 25-28% for 5 years yung mga bank.

[qman]

I think 20.198822 % yung interest for 5 years. Pwede na, sabi nga mostly 25-28% for 5 years yung mga bank.

Saan yang 20% nayan anong bank?

[rmsoriano]

Can anyone comment if this is a good deal?

Price: 1,358,000
20% DP: 271,600
Insurance: 45,566
LTO: 9,700
CM: 40,435
Monthly Amort: 20,857

5 years to pay.


Thanks!

this is not only a good deal, it is the best deal so far, computed interest rate for 5 years is only 15.19%. Maybe sir you can pm me the bank's name, a good friend of mine is looking for a bank for a car loan.... TIA.. Although the CM fee is quite high, should be around 20k pesos....

[ajkotse]

Hi Tsikoters,

Medyo magulo yung Metrobank interest rate. Based on their notes. 5years = 10.39% lang!!! for a brand new car. pero when they gave me my monthly parang lumalabas na 29% pa nga sila?!?! mukhang hindi rin marunong yung agent na kausap ko since nagpapacompute din siya.. Unlike PSbank pagsinabi nila 26%, 26% talaga!

Guys can anyone clarify this? I think it's impossible din talaga na 10.39% lang talaga for 5yrs ang interest ng Metrobank.

May masusuggest ba kayo branch ng bank/kakilala na pwde ako magloan ng cheaper than 26% for 5years?

Thanks!

[Noel Salisipan]

Can anyone comment if this is a good deal?

Price: 1,358,000
20% DP: 271,600
Insurance: 45,566
LTO: 9,700
CM: 40,435
Monthly Amort: 20,857

5 years to pay.


Thanks!

Mura na yung amortization, pero sobra mahal yung insurance.
35k meron ka pang makukuha nun!

[Noel Salisipan]

Sorry, double post.

[qman]

Hi Tsikoters,

Medyo magulo yung Metrobank interest rate. Based on their notes. 5years = 10.39% lang!!! for a brand new car. pero when they gave me my monthly parang lumalabas na 29% pa nga sila?!?! mukhang hindi rin marunong yung agent na kausap ko since nagpapacompute din siya.. Unlike PSbank pagsinabi nila 26%, 26% talaga!

Guys can anyone clarify this? I think it's impossible din talaga na 10.39% lang talaga for 5yrs ang interest ng Metrobank.

May masusuggest ba kayo branch ng bank/kakilala na pwde ako magloan ng cheaper than 26% for 5years?

Thanks!

Yong Metrobank di naman kasi PxRxT ang computation nila kaya ang rate na binigay sayo is 10.39. Tinanong ko na yan sa Metrobank Manager eh Im waiting for her feed back kung paano computation nyan.

In arrears ata ang rate nato

[ajkotse]

Yong Metrobank di naman kasi PxRxT ang computation nila kaya ang rate na binigay sayo is 10.39. Tinanong ko na yan sa Metrobank Manager eh Im waiting for her feed back kung paano computation nyan.

In arrears ata ang rate nato

Papost nalang din po dito sit kung pano ung calculation, pra mkatulong nrin sa iba tsikoters :D thanks bro!

[dfopiso]

yung 26% ng PSbank is equivalent ng Metrobank's 29% kasi around 3% din yung free compre insurance (for a P1 million auto). so mukhang a little over 5% per year na ang current rates ngayon

[taraki17a]

please help, kindly verify this:
ito yung bigay sa akin ng bank: 5years - 5.68% per year - 28.41%

if i borrowed 700k, will my monthly amo for 60months be = 14,981.167 ?

[lukscudkil]

i can give you 27% plus 8k gas card for 5 years. what's your email ad?

[stickers]

is there a way to transfer to other bank or apply for car loan sa BPI or PSBank kahit under inhouse na (released unit)? or can PSBank/BPI payoff the balance and assume the loan?

[_Qwerty_]

that's refinancing..

is there a way to transfer to other bank or apply for car loan sa BPI or PSBank kahit under inhouse na (released unit)? or can PSBank/BPI payoff the balance and assume the loan?

[fourtheboys96]

Does the location of the branch of a bank matter to you guys?

I live in the province and there are the usual BDO, BPI and PSBank but I do not want to discount the possibility that a bank outside of my area will offer a significantly good deal than the ones near my vicinity.

[dfopiso]

ang BPI yata eh standard na kahit saang branch

other banks, nag compete pa rin branches yata

best to try getting quotations from different branches of a bank