Chances of Approval for Auto-Loan

[michgenn_10]

Well detailed talaga reply mo Sir Yebo, Thank you. Kompleto naman ako ng basic requirements wala ako natapon. Sana lang kayanin ng powers ni misis ang pagaasikaso

[GIC]

No need for requirements, pre approve. Just tell the manager what unit and what dealer. Most of the time we buy cars just because the manager has already reserved one for us. But that's me, so I don't really know what the requirements are. Maybe just submit all the documents and you will get approved.

Ikaw na ang pre approved sir. I guess this thread calls for those who aren't just like me. Anyway nice explanation sir Yebo. Very detailed

[_Qwerty_]

diba kahit pre approved they will still ask for your requirements before you could take out the loan..

[Syuryuken]

Sa akin naman pagkabigay ng photocopy ng DTI, Mayor's Permit, 2 valid ID (me and wife), ITR tumawag agad ang RCBC sakin then tinawagan ang casa ang maganda dito pa sa bahay inayos ng ahente ko lahat ng mga requirements. Mas istrikto atmas maraming requirements ang mga kumukuha ng "LOW DOWN" at "5 YEARS TO PAY" sa mga 40%/50%DP payable in 2-3 years hindi masyadong istrikto ang mga bangko.

[GIC]

Apparently si samira no need for requirements, maybe he owns the bank

[calix0305]

less than 12 hours yun saken, nagpa-approve ako ng 1pm before 6pm nagtext na yung BPI approved na daw application ko.
Btw, I went directly sa branch and talked to ABM

[JUNFLO76]

Try considering PSBank. Within the day ang approval, kung may unit na pwede irelease the same day ang unit (of course as long as kumpleto n and available ang requirements)

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[ajkotse]

Hi Tsikoters,

Need your help, advice! nag-apply ako online sa BPI and I was disapproved
planning to buy a 2nd hand car at ipapafinance ko sana sa bank.
Car price = 300k
I'll be covering 140k
Bank will only finance P160k

BTW my salary is 44k nasa 35k take home ko.
2yrs palang ako nagwowork at kakaregular ko lang sa new company ko.

I'm pretty sure kayang kaya ko bayaran yung monthly since wala ako binabayaran na bills at nakatira ako sa parents ko. single din ako.

Hindi ko alam bakit hindi ako na-approved Pano kayo na-approved guys? share nyo naman...

Thanks sa mga magrereply! more power tsikoters!!!

[calix0305]

Hi Tsikoters,

Need your help, advice! nag-apply ako online sa BPI and I was disapproved
planning to buy a 2nd hand car at ipapafinance ko sana sa bank.
Car price = 300k
I'll be covering 140k
Bank will only finance P160k

BTW my salary is 44k nasa 35k take home ko.
2yrs palang ako nagwowork at kakaregular ko lang sa new company ko.

I'm pretty sure kayang kaya ko bayaran yung monthly since wala ako binabayaran na bills at nakatira ako sa parents ko. single din ako.

Hindi ko alam bakit hindi ako na-approved Pano kayo na-approved guys? share nyo naman...

Thanks sa mga magrereply! more power tsikoters!!!

May credit card ka ba or nagloan ka na ba before? tinitingnan din ng banko kung good payer ka.

pinaka da best is to go to your bank, kausapin mo agad yung loan officer or bank manager, alam naman nila financial capability mo kasi nasa kanila records mo.

If disapproved pa ren madaming pa namang banko, try ka lang uli.

[ajkotse]

May credit card ka ba or nagloan ka na ba before? tinitingnan din ng banko kung good payer ka.

pinaka da best is to go to your bank, kausapin mo agad yung loan officer or bank manager, alam naman nila financial capability mo kasi nasa kanila records mo.

If disapproved pa ren madaming pa namang banko, try ka lang uli.

Nope, wala ako credit card at 1st time ko toh magloan... baka ganun na nga lang siguro gawin ko.. punta ako personally sa bank para makausap yung loan officer... iniisip ko rin ipunin nalang yung 160k kaso ilang months pa yun.. car is a need right now sakin... thanks bro sa advice!