Fully paid car but bank wouldn't release documents

[dr. d]

If ayaw ibigay ng bangko yung papers e di wag na kunin. Gamitin na lang yung sasakyan hanggang mag end of life na. Marerehistro pa rin naman yan e.

yes.
drive it to the ground.
then sell it parts-out.

[ninjababez]

naka insure kaya yun auto?

[chronicle]

Anong kotse kaya? Out of curiosity lang.

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[_Qwerty_]

pwede pa din naman i insure kahit walang original CR.

naka insure kaya yun auto?

[ninjababez]

pwede pa din naman i insure kahit walang original CR.

sorry di kumpleto
kahit di sa kanya nakapangalan? naisip ko kasi, paano kung na-total yung auto, baka orig owner hahanapin

[_Qwerty_]

yes kahit hindi sa kanya nakapangalan pwede i pa insured.. kailangan lang copy nang recent OR and CR.

yan ang problema pag na total.. sa banko diretso ang bayad kasi encumbered pa yan eh..

sorry di kumpleto
kahit di sa kanya nakapangalan? naisip ko kasi, paano kung na-total yung auto, baka orig owner hahanapin

[ninjababez]

yes kahit hindi sa kanya nakapangalan pwede i pa insured.. kailangan lang copy nang recent OR and CR.

yan ang problema pag na total.. sa banko diretso ang bayad kasi encumbered pa yan eh..

naalala ko yun sa vios noon, hirap makipag coordinate sa insurance
need pa kausapin erpat ng boss ko para lang mag OK, nahihiya ako dun sa matanda eh
pero kasalanan din naman ng boss ko, di naasikaso ORCR kahit 7 years na fully paid wala parin yun orig

[killerant00]

Hi mga sir tanong lang po medyo related din dito.. Dont know kung pwede to ipost dito sa thread pero Yung car kasi ng gf ko natapos na nya bayaran this month and nung nagtanong kami sa Rcbc about the docs, need daw namen ng ID and SPA from her ex kc pareho pala silang nakapangalan dun sa loan.. Ang prob is hindi na rin namen alam kung nasan at pano kontakin si ex kc di sila ok nag hiwalay.. May way kaya para makuha ni gf yung docs without docs from the ex given na ung remaining 3 years is si gf na mag isa nagbayad?

[dr. d]

hanapin nyo siya at paki-usapan.
knowing he's part-owner, he's probably expecting the call.
you may not sign away his rights.

[killerant00]

hanapin nyo siya at paki-usapan.
knowing he's part-owner, he's probably expecting the call.
you may not sign away his rights.

Mukang yun na nga lang nakikita naming option.. Sana mahanap pa and sana makipag cooperate.. Hays.. Salamats sir

[babkalakal]

Mukang yun na nga lang nakikita naming option.. Sana mahanap pa and sana makipag cooperate.. Hays.. Salamats sir

medyo ot but just throwing it out there. kun hindi good terms why not use a padrino na ok ang relationship with both parties? it might not be the best option for everyone but might work in your case.

[fireice2]

Sa 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.

[dr. d]

Sa 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.

dapat 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".

[Ry_Tower]

Sa 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.

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.

[papi smith]

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.

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.

[shadow]

Sa 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.

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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