Car Loan Interest Rates?

[djhao79]

double post pasensya na po..

Hehehe female po ako sir! Ganito gawin mo punta ka sa ibang honda dealer. Paquote at pahaggle ka. Mention mo agad bank p.o. ka and if mganda naman offer sau pwdeng s knila ka parelease ng unit kahit man lang lto regatration libre. Actually mga standard free nmn nila yan aside s matting, tint and rustproofing.

Ang plan namin is chevrolet trailblazer 4x4 po. Kahit bank PO ako nagwindow shoppong ako s ibat ibang dealer tapos nakikibargain ako hehehhe! Wla kasi kami cash discount kya kahit sa freebies man lang makabawi. Hayun so far nakakuha ako free lto/ctpl, rustproofing, tint, matting, visor, car cover and baka nga spoiler makhirit pa ako heheheh pero kc usapan nmin ng agent basta magrrefer pa ako n kukuha ng trailblazer. Sir bkit d po nyo itry ang spin ng chevy diesel na po un at matipid? Magnadang klase po un or d kaya magaccent kau na diesel kung sedan naman ang gusto nyo lang. May accent ang tito ko almost 3yrs na s knya napakatipid sobra. Naalala ko last year dinala un ng dad ko s pangasinan, magkano lng konsumo nila mula bacoor cavite at manaoag then balik ng cavite..pagkkatanda ng daddy ko mga 1k lang ata ang inabot ng krudo nila kc umalis sila dto full tank sila then dto na rin paguwi nila nagpafulltank.


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[edwardclaver]

Hehehe female po ako sir! Ganito gawin mo punta ka sa ibang honda dealer. Paquote at pahaggle ka. Mention mo agad bank p.o. ka and if mganda naman offer sau pwdeng s knila ka parelease ng unit kahit man lang lto regatration libre. Actually mga standard free nmn nila yan aside s matting, tint and rustproofing.

Ang plan namin is chevrolet trailblazer 4x4 po. Kahit bank PO ako nagwindow shoppong ako s ibat ibang dealer tapos nakikibargain ako hehehhe! Wla kasi kami cash discount kya kahit sa freebies man lang makabawi. Hayun so far nakakuha ako free lto/ctpl, rustproofing, tint, matting, visor, car cover and baka nga spoiler makhirit pa ako heheheh pero kc usapan nmin ng agent basta magrrefer pa ako n kukuha ng trailblazer. Sir bkit d po nyo itry ang spin ng chevy diesel na po un at matipid? Magnadang klase po un or d kaya magaccent kau na diesel kung sedan naman ang gusto nyo lang. May accent ang tito ko almost 3yrs na s knya napakatipid sobra. Naalala ko last year dinala un ng dad ko s pangasinan, magkano lng konsumo nila mula bacoor cavite at manaoag then balik ng cavite..pagkkatanda ng daddy ko mga 1k lang ata ang inabot ng krudo nila kc umalis sila dto full tank sila then dto na rin paguwi nila nagpafulltank.


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sorry po maam DJ...ganito nga rin balak ko gawin pag uwi ko ng pinas, punta ako sa mga dealer mahilig kasi kami mag bike ng kuya ko, at sa mga sub compact na car na nakita ko eh, yung jazz ang may spacious area para magkasya yung mga mountain bike namin. salamat po ulet sa info at God Bless sa Family nyo

[marldir]

Anong insurance company po recommended na mura? For honda civic manual kasi 30K+ sa dealership. Plan ko din kuha this dec.


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[kapitan88]

Hello! Could anyone elaborate here the effective interest rate and how is it derived to become the add-on rate? Thanks!!!

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add on interest (total interest paid sa duration ng loan)

(amort * term - amt financed )
(--------------------------- -------------) * 100
( amt financed )


effective interest: (Interest computed based on actual running balance)

in excel:

RATE(term,amort,-(amt financed))

[djhao79]

Ok tnx sir!!!


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[edwardclaver]

Un chattel fee ng metrobank ok na po yan pinakamababa na po yan. Un lto ilakad mo sa dealer na gawing free na lang kya namn nila ibigay yan. Kelan mo pala nid magloan? Kc paquote kita s kontak insurer ko. Ang mganda dun 3k fixed lang participation mo.


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good day..maam sa december ko pa po balak magloan, paki qoute naman po ako dun sa insurer nyo just pm me or sent it to email add na lang po ( edward_claver*yahoo.com )
Thanks in advance and God Bless as well

[djhao79]

good day..maam sa december ko pa po balak magloan, paki qoute naman po ako dun sa insurer nyo just pm me or sent it to email add na lang po ( edward_claver*yahoo.com )
Thanks in advance and God Bless as well

Sir ano po un unit details, year model at unit price? Thanks! San po pala kau located hehehe!!


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[edwardclaver]

Sir ano po un unit details, year model at unit price? Thanks! San po pala kau located hehehe!!


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you've got pm maam dj

[Kend13man]

Mam pwede po pki quote for Toyota Innova Variant E Diesel M/T 3 years to pay. My e-mail kendieman*yahoo.com. Thnxs

[tikling]

Mga katsikot, help.

Mataas ba masyado ang interest neto?

Unit Price: 630,000
Down Payment: 189,000
60 Months: 10,805

Salamat senyu

[_Qwerty_]

630,000 - 189,000 = 441,000 amount of loan

10,805 x 60 = 648,300 amount paid

648,300 - 441,000 = 207,300 total interest
207,300 / 441,000 = 47% / 5 = 9.4% per year

yes medyo mataas you can get lower interest rates than that.. sang banko yan?

Mga katsikot, help.

Mataas ba masyado ang interest neto?

Unit Price: 630,000
Down Payment: 189,000
60 Months: 10,805

Salamat senyu

[tikling]

630,000 - 189,000 = 441,000 amount of loan

10,805 x 60 = 648,300 amount paid

648,300 - 441,000 = 207,300 total interest
207,300 / 441,000 = 47% / 5 = 9.4% per year

yes medyo mataas you can get lower interest rates than that.. sang banko yan?

Quote sa akin ng potential na SA

[_Qwerty_]

malaki talaga interest nyan.. SA pala nag quote.. dumiretso ka sa banko para mas mababa at walang patong ang SA..

[kapitan88]

16.34% po ang effective annual interest rate nya. --> medyo mataas. try nyo pa sa ibang bank.

Mga katsikot, help.

Mataas ba masyado ang interest neto?

Unit Price: 630,000
Down Payment: 189,000
60 Months: 10,805

Salamat senyu

[tikling]

malaki talaga interest nyan.. SA pala nag quote.. dumiretso ka sa banko para mas mababa at walang patong ang SA..

pero ito yung sinasabi nilang all-in (free 1 yr insurance, 3 yr lto, chattel), talo pa din ba? ....or kunti na lang ang baba sa bank interest?

[pat_17]

eyeing to get Mirage. I hope someone from the banks could help me get the lowest interest rate din hehe..

Plan:
DP: 150k all out cash
Preferred Monthly: 7k -8k

Kapag ba sa banko kumuha kasama yung mga frebbies? EWD, TINT, MATT, REG, and Rust Proofing?

2nd question is, BPI's price of the base mirage g4 is 578000, pero sa mitsubishi inhouse 538000 nalang due to discounts..

Where are they going to base the base price?
TIA

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[pat_17]

Nag pa quote ako sa Metrobank.. heto binigay sakin..

Dp is 150000, wala pa yung insurance, chattel, and reg

Ok na ba to?

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[pat_17]

eyeing to get Mirage. I hope someone from the banks could help me get the lowest interest rate din hehe..

Plan:
DP: 150k all out cash
Preferred Monthly: 7k -8k

Kapag ba sa banko kumuha kasama yung mga frebbies? EWD, TINT, MATT, REG, and Rust Proofing?

2nd question is, BPI's price of the base mirage g4 is 578000, pero sa mitsubishi inhouse 538000 nalang due to discounts..

Where are they going to base the base price?
TIA

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[QUOTE=pat_17;2281023]Nag pa quote ako sa Metrobank.. heto binigay sakin..

Dp is 150000, wala pa yung insurance, chattel, and reg

Ok na ba to?

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Up ko lang po question ko...thanks

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[kryz0017]

Hi! Help guys! I bought mirage g4 last November, agreed amortization was Php14092 for 4 years. Tapos nung magbayad na ko ng first car amort ko last week (i never rcvd any statement) sabi ng banko, Php14800 daw ang monthly bill ko. Kinontact ko ung agent sa mitsu, sabi nya nag increase daw sila. Makatarungan ba un guys? Ung napag usapan namin sa pirmahan ng contact is 14092 lang e, tapos biglang naging 14800 monthly ko? Help pls! Thanks!

[james00112233]

Hi! Help guys! I bought mirage g4 last November, agreed amortization was Php14092 for 4 years. Tapos nung magbayad na ko ng first car amort ko last week (i never rcvd any statement) sabi ng banko, Php14800 daw ang monthly bill ko. Kinontact ko ung agent sa mitsu, sabi nya nag increase daw sila. Makatarungan ba un guys? Ung napag usapan namin sa pirmahan ng contact is 14092 lang e, tapos biglang naging 14800 monthly ko? Help pls! Thanks!

kung ano yung nasa contract na pinirmahan, yun dapat ang sundan.