HELP: Ilang months before mahatak ang loaned car?

**shadow** · February 26th, 2019 05:57 PM

Originally Posted by carwhacko

Well I know someone na sinoli agad sasakyan wala pa 3 months i mean voluntarily na nakapag loan naman after rin ng kotse and personal loan and had no problems with the loan application.

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Anong complete cirsumctances? Maybe hinde mo alam or sinabi saiyo yun buong picture.

Imposible yan. If that's the case eh di wala na dapat na bad credit sa mga nag car loan. Kung hinde na kaya ibalik na lang. Or kung gusto mag upgrade ibalik existing loan then kuha na lang ng bagong kotse.

Doesn't make sense.

A loan is a loan, if you can't complete the term then that's a bad credit kahit isoli mo pa yun kotse, voluntary or not.

Ito na lang wacko if you're so sure doon sa kwento sayo, try mo sa sarili mo ibalik sa existing car loan mo tapos kuha ka ulit ng bago. [emoji39]

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**cast_no_shadow** · February 26th, 2019 05:58 PM

Originally Posted by shadow

Anong circumstances? Imposible yan. If that's the case eh di wala na dapat na bad credit sa mga nag car loan. Kung hinde na kaya ibalik na lang. Or kung gusto mag upgrade ibalik existing loan then kuha na lang ng bagong kotse.

Doesn't make sense.

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Yep logically speaking.

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**shadow** · February 26th, 2019 06:03 PM

Originally Posted by cast_no_shadow

Yep logically speaking.

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Incentivized ng banks yun hinde maka bayad?

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**carwhacko** · February 27th, 2019 11:36 AM

Originally Posted by shadow

Anong complete cirsumctances? Maybe hinde mo alam or sinabi saiyo yun buong picture.

Imposible yan. If that's the case eh di wala na dapat na bad credit sa mga nag car loan. Kung hinde na kaya ibalik na lang. Or kung gusto mag upgrade ibalik existing loan then kuha na lang ng bagong kotse.

Doesn't make sense.

A loan is a loan, if you can't complete the term then that's a bad credit kahit isoli mo pa yun kotse, voluntary or not.

Ito na lang wacko if you're so sure doon sa kwento sayo, try mo sa sarili mo ibalik sa existing car loan mo tapos kuha ka ulit ng bago. [emoji39]

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I’m pretty sure since it is my mom that I’m talking about [emoji12]

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**_Qwerty_** · February 27th, 2019 11:43 AM

baka kakilala yung bank manager kaya naka loan ulit?

Originally Posted by carwhacko

I’m pretty sure since it is my mom that I’m talking about [emoji12]

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**cast_no_shadow** · February 27th, 2019 11:45 AM

Originally Posted by _Qwerty_

baka kakilala yung bank manager kaya naka loan ulit?

Heads up lang naman sa bank yan to guide them sa approval. Still prerogative pa din nila if i-approve yung loan or not.

To add like what Ninja said, pwede nga din hindi pa reported kaya clear pa nung chineck.

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**ninjababez** · February 27th, 2019 11:43 AM

Originally Posted by carwhacko

I’m pretty sure since it is my mom that I’m talking about [emoji12]

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kailan yan bro? kung mga 1-2 years ago na, pa try mo ulit mag loan si ermats. baka kasi pagka default, after couple of months or weeks ang loan agad, so malamang wala pa "hit" sa records.

**_Qwerty_** · February 27th, 2019 11:49 AM

may kaibigan ako nahatakan nang sasakyan then tried to get a new car after 1 week.. may hit na agad..

Originally Posted by ninjababez

kailan yan bro? kung mga 1-2 years ago na, pa try mo ulit mag loan si ermats. baka kasi pagka default, after couple of months or weeks ang loan agad, so malamang wala pa "hit" sa records.

**shadow** · February 27th, 2019 01:24 PM

Originally Posted by ninjababez

kailan yan bro? kung mga 1-2 years ago na, pa try mo ulit mag loan si ermats. baka kasi pagka default, after couple of months or weeks ang loan agad, so malamang wala pa "hit" sa records.

This, pwedeng hinde pa na report ng bank agad.

Voluntarily surrendered or not, defaulted pa rin yan. Paano pa approved next time eh hinde nga kaya magbayad kaya sinoli nun first time.

Walang incentive ang bank na Hinde I black list yun mga nag surrender voluntarily ng car loan.

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**dr. d** · February 27th, 2019 11:56 AM

Originally Posted by carwhacko

Well I know someone na sinoli agad sasakyan wala pa 3 months i mean voluntarily na nakapag loan naman after rin ng kotse and personal loan and had no problems with the loan application.

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the "list" is there for consultation.
but the consult-er is in no way required to follow it.

**ninjababez** · February 27th, 2019 01:25 PM

btw naniniwala na pala ako kay bro carwhacko
naalala ko si mary (SA) noon tinanong ko kung pwede, nahilahan ng vios kakilala ko. RCBC yun contact nya, pwede daw kaso 20% DP talaga (no low downpayment option) tapos yun monthly mo pang inhouse rate LOL

**cast_no_shadow** · February 26th, 2019 06:32 PM

^

Hehe agree ako dun sa sinabi mo sa itaas.

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**carwhacko** · February 27th, 2019 02:52 PM

It was 2017 pa tapos after 2 months sinoli ng nanay ko yung kotse na kinuha namin. It was thru Chinabank. Pero bago sinoli kinausap muna ng mommy ko Chinabank kung saan nakaloan yung kotse tapos kinausap niya rin yung Eastwest Bank and BPI kung san sila nagmaintain ng account so pareho naman sila ng mga sinabi eh. As long as mommy ko daw mag initiate ng pagsoli it won’t affect her credit standing naman. It was really a bad decision on our part to get that car tapos hindi naman namin pala gusto. Kaya ayun after 2 months soli na. After nun nakapag loan mommy ko ng kotse ulit the following year. Mas nauna pa sila na-approve sakin when I got my Ford Ranger.

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**Manzia** · April 15th, 2019 12:40 PM

Originally Posted by bluperskin

Hi masters. I am new lang sa autoloan. Dati kasi second hand lang and binibili ko. Now i tried a brand new car thru financing or loan. I am just curious, If ever d ka mkabayad, ilang months ba bago mahatak ang car? im with PSbank. Thanks.

Hi sirs, bago lang din po ako dito. Ask ko na rin po kasi sa eastwest ang car loan ko. A day before mag 3 months nagbayad ako ng 1 month na car payment. After a few days nagmessage sakin yung eastwest na for pull out na yung sasakyan. Di po ba pwedw na ganun yung ginawa ko? Salamat

**17Sphynx17** · April 15th, 2019 01:12 PM

Originally Posted by Manzia

Hi sirs, bago lang din po ako dito. Ask ko na rin po kasi sa eastwest ang car loan ko. A day before mag 3 months nagbayad ako ng 1 month na car payment. After a few days nagmessage sakin yung eastwest na for pull out na yung sasakyan. Di po ba pwedw na ganun yung ginawa ko? Salamat

Hindi naman talaga pwede diba?
Usapan is monthly payments that the bank will draw from a designates settlement account.

So kung magdraw sila during the first 2 months. Walang enough funding yung account mo or 0 balance na diba? Automatic closed account yun diba?

May pinirmahan ka na document na magbabayad ka so obvious na hindi pwede yung ginawa mo. Since breach ka, technically in the right yung bangko hatakin sa alam ko. Unless makausap mo agad para maayos yung problema nadulot ng ginawa mo.

**dr. d** · April 16th, 2019 12:12 AM

Originally Posted by Manzia

Hi sirs, bago lang din po ako dito. Ask ko na rin po kasi sa eastwest ang car loan ko. A day before mag 3 months nagbayad ako ng 1 month na car payment. After a few days nagmessage sakin yung eastwest na for pull out na yung sasakyan. Di po ba pwedw na ganun yung ginawa ko? Salamat

read your contract, po.
the payment schedule should be there.
but all is not lost.
explain to them why you did what you did. if they find the explanation reasonable, they might just let you keep the car....

**kulit06** · May 2nd, 2019 10:14 PM

Originally Posted by Manzia

Hi sirs, bago lang din po ako dito. Ask ko na rin po kasi sa eastwest ang car loan ko. A day before mag 3 months nagbayad ako ng 1 month na car payment. After a few days nagmessage sakin yung eastwest na for pull out na yung sasakyan. Di po ba pwedw na ganun yung ginawa ko? Salamat

Boss ilang months na ung sasakyan mo bgo ka na delay ng payment?

**clover** · November 12th, 2019 05:07 PM

Hi question lang. 4mos ako nadelay sa payment ko sa car, then nung magbabayad na ko naka block na daw loan account ko. then nung nagpunta na sa main branch ng PSBank ung business partner ko to pay the full lapsed amount di padin siya pinabayaran. may ganon po ba? kasi need pa daw ilift sa kataas taasan ung pagka close ng account? then pinapabayaran din ng 2mos advanced daw. ganito po ba talaga process? hangang ngayon waiting oadin para magbayad, last week pa dapat naipasok ung pera

**Verbl Kint** · November 12th, 2019 05:23 PM

Originally Posted by clover

Hi question lang. 4mos ako nadelay sa payment ko sa car, then nung magbabayad na ko naka block na daw loan account ko. then nung nagpunta na sa main branch ng PSBank ung business partner ko to pay the full lapsed amount di padin siya pinabayaran. may ganon po ba? kasi need pa daw ilift sa kataas taasan ung pagka close ng account? then pinapabayaran din ng 2mos advanced daw. ganito po ba talaga process? hangang ngayon waiting oadin para magbayad, last week pa dapat naipasok ung pera

Malabo na po yan, sir, unless may kakilala po kayo sa main office na puwede mag-intervene.

Yung full details na basis ng decision nila eh nasa contract na pinirmahan niyo po for your auto loan. Wala po talagang gray area yan, unfortunately.

**yubby24** · November 12th, 2019 05:30 PM

Check mo sir yung loan contract mo sir. Pretty sure andun yung detalye para sa ganyang case.

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HELP: Ilang months before mahatak ang loaned car?

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