Car Loan Interest Rates?

**jom's** · May 24th, 2010 01:50 AM

Originally Posted by emel_third

Unit Price 685,000.00

Down Payment Amount 137,000.00
Comprehensive Insurance 27,400.00
Chattel Mortgage Fee 19,724.00 FREE
LTO Registration (3 Years) 7,200.00 FREE

Gross Total Down Payment 164,400.00
Less: Discount - 20,000.00
Net Total Down Payment 144,400.00
Amount to be Financed 548,000.00

60 Months 13,258.00

Others: FREE: Floor Mat, Seat Cover, Tint, Standard Tools & Jack,
P 1,000 Fuel Card, Free Labor 1st 1,000 & 5,000kms Check Up.

paki chek po ninyo sir ok lang bah?

Originally Posted by kishAn

for sure you got this quote from the dealer. mataas sir ang quote sayo eventhough the Chattel Mortgage and LTO are free.

DEALER P13,258 x 60 months + total cash out mo(DP and insurance)=PHP939,880

BANK regular rate P12,431 x 60 months + total cash out(DP,Insurance, Chattel & LTO)=PHP913,061

dp-137,000/insurance-27,400/chattel-15,601/lto-7,200. = 167,201
12,431 x 60 + 167,201 = 913,061

939,880(dealer) - 913,061 (bank regular rate)=PHP26,819

ibig sabihin PHP26,819 ang loss mo if you go to dealer eventhough free ang Chattel and LTO sa kanila compare to the bank na di free pero maliit lang ang monthly amortization. yung 20k discount di mawawala yan kahit sa banko ka sir magloan at yung other free na sinabi mo sir usually ay standard yan. yung insurance na qoute sayo sir ay medyo mataas din dapat mga P23,+++ lang yan eh(though di ko ma pa quote yung exact kasi di ko alam kung ano unit eh) and take note regular rate lang sir ong pinaqoute ko sayo, so your monthly amorts may went down pa siguro mga 500 plus.

PM mo na lang ako sir if your interested to apply for a loan

mga tol pano ko makukuha yung interest rate from this quotations?

**kishAn** · May 24th, 2010 08:07 PM

Originally Posted by jom's

mga tol pano ko makukuha yung interest rate from this quotations?

what do you mean sir... maaavail ba o pano macompute yung rate?

**Daynah** · June 11th, 2010 03:02 AM

Saang bank ka ba kishAN?

**kishAn** · June 11th, 2010 07:10 AM

Originally Posted by Daynah

Saang bank ka ba kishAN?

mam you got PM

**xpoiled7** · January 26th, 2011 10:10 AM

panu po kinocompute ang interest rate?

salamat!

**ecozone** · January 26th, 2011 01:28 PM

Originally Posted by xpoiled7

panu po kinocompute ang interest rate?

salamat!

amount to be financed multiplied by 1."interest rate" divided by months to pay

Ex: 700,000 x 1.33 = 931,000 / 36 mo = 25,861

**xpoiled7** · January 26th, 2011 04:51 PM

ah yun pala ang formula dun :D

Thank you!

Nga pala, nanghingi ako ng quotation sa PSBank.
Okay na ba ito?

Montero Sport MT 4x4

Unit: 1,480,000
50% DP: 740,000
CF: 17,101
Cash out: 757,101

Monthly: 24,262 (36 mos)

18.03% rate.

Di pa kasama ang LTO reg at insurance dahil sa dealer daw yun.
Pag 1 month advance naman, 16.98% at 24,046 monthly.

Okay na po kaya yan? Balak ko pa humingi ng quote sa BDO at BPI.

Salamat!

**james00112233** · January 26th, 2011 05:44 PM

*xpoiled7
hingi ka pa rin ng quote sa BDO at BPI para may comparison ka.

**ecozone** · January 27th, 2011 02:06 PM

Originally Posted by xpoiled7

ah yun pala ang formula dun :D

Thank you!

Nga pala, nanghingi ako ng quotation sa PSBank.
Okay na ba ito?

Montero Sport MT 4x4

Unit: 1,480,000
50% DP: 740,000
CF: 17,101
Cash out: 757,101

Monthly: 24,262 (36 mos)

18.03% rate.

Di pa kasama ang LTO reg at insurance dahil sa dealer daw yun.
Pag 1 month advance naman, 16.98% at 24,046 monthly.

Okay na po kaya yan? Balak ko pa humingi ng quote sa BDO at BPI.

Salamat!

dealers will usually give you a higher rate... so ok na yan

better kung pa-quote ka pa sa iba

**wifi21** · February 2nd, 2011 11:25 PM

Originally Posted by xpoiled7

ah yun pala ang formula dun :D

Thank you!

Nga pala, nanghingi ako ng quotation sa PSBank.
Okay na ba ito?

Montero Sport MT 4x4

Unit: 1,480,000
50% DP: 740,000
CF: 17,101
Cash out: 757,101

Monthly: 24,262 (36 mos)

18.03% rate.

Di pa kasama ang LTO reg at insurance dahil sa dealer daw yun.
Pag 1 month advance naman, 16.98% at 24,046 monthly.

Okay na po kaya yan? Balak ko pa humingi ng quote sa BDO at BPI.

Salamat!

Hi Sir,

PM kita. I'll help you with lower rates.

**fredmon** · August 3rd, 2011 07:21 PM

I'm interested in getting the new picanto 2012. Can anyone give me a good quotation at 30% dp and 4-5 years to pay. I'm eyeing a bank to partially finance it. Is bpi better than metrobank? Or would you know any bank which will offer the best deal on car loans? Thanks.

**JUNFLO76** · September 7th, 2011 07:59 PM

hi sir. Try mo sa PSBank. here are the rates for the 3-5 years term

STANDARD WITH ONE MONTH ADV

3YRS 16.90% 15.96%
4YRS 22.96% 21.94%
5YRS 29.61% 28.48%

Mabilis po kme sa approval nmen 24-48 hrs my credit decision na po kme.
try to reach me at junflo76*yahoo.com or at bmflorencio*psbank.com.ph

**Retz** · November 20th, 2011 07:31 PM

Originally Posted by JUNFLO76

hi sir. Try mo sa PSBank. here are the rates for the 3-5 years term

STANDARD WITH ONE MONTH ADV

3YRS 16.90% 15.96%
4YRS 22.96% 21.94%
5YRS 29.61% 28.48%

Mabilis po kme sa approval nmen 24-48 hrs my credit decision na po kme.
try to reach me at junflo76*yahoo.com or at bmflorencio*psbank.com.ph

pwede na ito.

**Jan02Jan** · November 24th, 2011 05:57 AM

Im planning to buy a 2011 Honda City 1.3 (Current MV is 731,000 Php) w/ term 20%DP & bal for 60mos. Can anyone help me find/ get an auto loan na sakto lang ang interest or better yet ung pinakamababa?

**Macqueen** · November 29th, 2011 08:33 PM

Mga dude, just want to mention and recommend JUNFLO76 for bank auto loan. Madaling kausap and available anytime if you have any inquiry. Specially sa katulad ko na novice. Many Thanks JUNFLO76.

**Joe_Satch** · December 1st, 2011 03:01 PM

pinakamababa ang metrobank at bpi. apply muna kayo metro tapos apply din kayo bpi. mention nyo sa bpi yung rate na binigay sa inyo ng metro para babaan pa ng bpi yung rate nila.

check nyo din baka may promo ulit yung bpi na free yung 1st year insurance. laking bagay din nun kasi nasa 3% ng MSRP kadalasan ang insurance.

kahit online lang kayo mag-apply, after a day or two may tatawag na sa inyo

**ChickenBreast** · November 20th, 2011 07:02 PM

Anong bank ang suggested ngayon? Ano ung
may pinakamababang interest rate ngayon?

**Javier1** · May 4th, 2012 01:35 AM

hi friends,
The interest rate of loan on any car is depends on the price of the car witch you want to purchase and also decided by the company or bank from where you purchase this car.
You should to get know the car price and know about the company or bank.

**_Qwerty_** · May 4th, 2012 11:52 AM

amph! i thank you!

Originally Posted by Javier1

hi friends,
The interest rate of loan on any car is depends on the price of the car witch you want to purchase and also decided by the company or bank from where you purchase this car.
You should to get know the car price and know about the company or bank.

**KERSMcRae** · May 4th, 2012 12:42 PM

Originally Posted by Javier1

hi friends,
The interest rate of loan on any car is depends on the price of the car witch you want to purchase and also decided by the company or bank from where you purchase this car.
You should to get know the car price and know about the company or bank.

Originally Posted by _Qwerty_

amph! i thank you!

with the help of my friend, Google Translate (copy-paste):

Ang rate ng interes ng mga pautang sa anumang sasakyan ay depende sa presyo ng bruh* (?) ang kotse na nais mong bumili at nagpasya rin ng kumpanya o bangko mula sa kung saan ka bumili ng ang kotseng ito.
Dapat ka upang makakuha ng malaman ang presyo ng kotse at malaman tungkol sa kumpanya o bangko.

:jawdrop:

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