Help me guys!! Toyota innova 2013

**nova2013** · January 8th, 2013 08:14 PM

Hi guys! im newbie here.. i just to ask and clarify something regarding the price/ inerest of the toyota innova that i got.. I got my 2013 innova G 2.5 diesel a/t last december 28, 2012.. i'm outside the country so my sister is the one made the transaction regarding the car.. at first the dealer told us that our dp will be 150,000 and the monthly amortization will be aroung 19000.. so i agree with that.. then he asked my sister that someone from the bank will call my other ( since the car will be name to my mother), and it was PSbank who called and approved us for the five-year loan and told us just to contact the dealer. so my sister called again the dealer and asked if how much will be our DP and monthly, he said the the same price 150K for the DP and arounf 19K for the monthly.. so the next day we decided to purchase the car since they have PROMO and it will only last till the end of december and went to TOYOTA DASMA to give the DP, we gave the 150K downpayment and toyota calculated again our month amortization.. in our surprise it was different!!! here it is:

price of the car: 1,165,000
20% DP: 150,000 ( supposed to be 233,000 but we were discounted by 83K)
monthly amortization for 60 months: 22, 904..
ALL-in (insurance, LTO reg and mortgage was included, also we have freebies like rust proofing, mat, tint, fuel, seat cover, cover for the car, labour services, etc)
the amount of the inerest for the 60 months that i computed was around 360K
I WOULD LIKE TO ASK IF IT IS TO MUCH OR MOST LIKELY THE INTEREST FOR THE 60 MONTHS PAYNET WILL COST LIKE THAT? HOPE YOU GUYS CAN ANSWER

**nova2013** · January 9th, 2013 12:20 AM

need your reply guys.. just want to have a peace of mind,, its my first time to buy a car thats why i dont know,, to late because i already bought a car when i found this kind of forum.. tsk tsp

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need your reply guys.. just want to have a peace of mind,, its my first time to buy a car thats why i dont know,, to late because i already bought a car when i found this kind of forum.. tsk tsp

**bluperskin** · January 19th, 2013 01:32 PM

Hi maam. I am a sales agent in toyota alabang. The computation that the agent gave you is their inhouse financing with all in promo. Who gave you the 19k monthly computation? I think they just made a mistake.

**joemarski** · January 19th, 2013 02:09 PM

sir, nai- discuss na yata 'yan dun sa kabilang thread.
http://tsikot.com/forums/toyota-cars.../index510.html
marahil marami rin ang nagtatanong kung bakit nagkaganoon ang usapan nila ng kanyang SA.
nakaka- awa man, wala na siguro siyang magagawa...

**trucker111** · January 20th, 2013 04:52 PM

how much is the 2013 innova 2.5g diesel m/t cash?
freebies?

**bluperskin** · February 2nd, 2013 02:12 AM

1,100,000

free insurance free lto and 30k discount.

so 1,070,000 na lang sir.

**zerobox** · November 8th, 2015 11:54 PM

Originally Posted by nova2013

Hi guys! im newbie here.. i just to ask and clarify something regarding the price/ inerest of the toyota innova that i got.. I got my 2013 innova G 2.5 diesel a/t last december 28, 2012.. i'm outside the country so my sister is the one made the transaction regarding the car.. at first the dealer told us that our dp will be 150,000 and the monthly amortization will be aroung 19000.. so i agree with that.. then he asked my sister that someone from the bank will call my other ( since the car will be name to my mother), and it was PSbank who called and approved us for the five-year loan and told us just to contact the dealer. so my sister called again the dealer and asked if how much will be our DP and monthly, he said the the same price 150K for the DP and arounf 19K for the monthly.. so the next day we decided to purchase the car since they have PROMO and it will only last till the end of december and went to TOYOTA DASMA to give the DP, we gave the 150K downpayment and toyota calculated again our month amortization.. in our surprise it was different!!! here it is:

price of the car: 1,165,000
20% DP: 150,000 ( supposed to be 233,000 but we were discounted by 83K)
monthly amortization for 60 months: 22, 904..
ALL-in (insurance, LTO reg and mortgage was included, also we have freebies like rust proofing, mat, tint, fuel, seat cover, cover for the car, labour services, etc)
the amount of the inerest for the 60 months that i computed was around 360K
I WOULD LIKE TO ASK IF IT IS TO MUCH OR MOST LIKELY THE INTEREST FOR THE 60 MONTHS PAYNET WILL COST LIKE THAT? HOPE YOU GUYS CAN ANSWER

Isipin mo nalang nagdown ka ng 13%, at yung 87% ang loan mo at 35% interest rate.. ang rate ng bank 25% to 47% kaya ok narin 35%, isipin mo nalang ulit naavail mo yung 25% tapos yung additional na 10% yun binayad mo sa insurance at chattel etc.. haha di na masyado nakakapanghinayang kung ganyan mo titignan..