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Tsikoteer
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- Jul 2009
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July 3rd, 2020 06:29 PM #71
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Verified Tsikot Member
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- Apr 2014
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- 473
February 28th, 2022 10:49 AM #72Sa mga magaassume ng mortgage, please verify with the bank if they allow assumption of mortgages. One needs to obtain the bank's consent if your are going to sell the vehicle to another person. I recently obtained an auto loan from PS Bank, kasama na Undertaking not to sell the vehicle to another person without its consent.
A little due diligence will save one a lot of headaches.
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Tsikoteer
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- Mar 2008
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February 28th, 2022 11:16 AM #73dapat talaga siyasatin!
and even without that rider clause,
without the bank's written consent, and you assume mortgate ("pasalo"),
once the payments are completed,
the bank may release the mortgate to the original holder and not to you.
kasi naman, "you are a non-entity to them".Last edited by dr. d; February 28th, 2022 at 11:40 AM.
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February 28th, 2022 11:49 AM #74
Ayaw ng banko na basta-basta ipasa kasi yung dahilan kaya naka-loan eh credentials nung original debtor. Siyempre most probably hindi nila kilala mag-aassume kaya need ng consent nila. Baka mas sablay yung papalit at walang collateral or other properties na pwede habulin if ever magkaproblema kasi eh.
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February 28th, 2022 02:25 PM #75
Which means para pumayag ang bank, kailangan mag submit ng financial requirements ang mag-aassume and they will have to spend for the background check, in short mahirap pumayag ang bank unless maganda financial standing ng mag-aassume at willing sya to shoulder related costs.
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February 28th, 2022 02:32 PM #76
Hinde naman talaga pwede. Hinde pa sa kanya kotse.
Talo yun sasalo dahil nahuhulog siya for brand new para sa second hand na car eh di sarili na lang siya mag loan.
Kakatakot din sa magpapasalo paano kung hinde bayaran yun monthly eh di sya nasira.
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