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  1. Join Date
    Oct 2002
    Posts
    33,603
    #31
    Pwede ba maging co maker ditto sa atin ang walang relation?

    Sent from my iPad using Forum Runner

  2. Join Date
    Jun 2010
    Posts
    76
    #32
    Quote Originally Posted by becauseIhelp View Post
    A friend of mine po asked if I can help them for a auto loan... Since I already have a car loan in BPI, the agent of Ford actually helped us..

    The car will be 1 year old sa April po, but monthly abunado ako para di mag penalty un car loan nila. Now they told me mukhang di na nila kaya bayaran

    Pag sinoli po ba un car, black listed na po ako sa bank?

    Kakainis lang po talaga kasi I made sure na updated ako sa loan ko tapos ganto

    Does anyone know kung ano po ang pinaka tamang gawin?

    YES, if you signed as CO-MAKER for the CAR LOAN, then YOU are EQUALLY LIABLE, Blacklisted

  3. Join Date
    Oct 2012
    Posts
    1,465
    #33
    Quote Originally Posted by becauseIhelp View Post
    1.6L po 4dr sedan 2012 model
    A/T po
    7700K mileage
    16k monthly.
    plate ending 7.

    ala pa po ako kahit ano posting.
    5 years po so may remaining 4 years pa po..

    neg po ako s DP kahit hulugan pa po un DP.

    oh my.. 4 years pa, mukang maliit ang DP ah, laki ng monthly amort. up to now ba continuous pa din payment mo?

    and TS, ask ko lang, what comes to your mind na magamit yung name mo for loan na 5 years? is this a special friend? :naughty2:

  4. Join Date
    Jan 2008
    Posts
    3,639
    #34
    Quote Originally Posted by dr. d View Post
    i re-read all the posts.. but i am still confused..
    exactly how did you get into this mess? is the loan (and thus the car) under your name or the other person's name? co-maker? what is a co-maker? are you the guarantor? are guarantors blacklisted if they can not meet the payments that the loaner couldn't pay? exactly what are the duties and liabilities of a guarantor? what does the contract say, please?
    matanda na ata yung tinulungan nya at hindi na eligible for car loan... so ang ginawa nya siya mismo ang nag loan at pramis nung matanda na sya magbabayan ng monthly... credentials lang nya ang ginamit kaya siya mismo ang borrower..

    ang masakit pa nyan ang laki ng monthly for such a small car.... laki ng interest nyan kaya mahirap ipasa

  5. Join Date
    Oct 2012
    Posts
    1,465
    #35
    Quote Originally Posted by yapoy86 View Post
    matanda na ata yung tinulungan nya at hindi na eligible for car loan... so ang ginawa nya siya mismo ang nag loan at pramis nung matanda na sya magbabayan ng monthly... credentials lang nya ang ginamit kaya siya mismo ang borrower..

    ang masakit pa nyan ang laki ng monthly for such a small car.... laki ng interest nyan kaya mahirap ipasa
    mas masakit pa jan is nagkasakit na daw yung matanda,

  6. Join Date
    Mar 2012
    Posts
    1,938
    #36
    Quote Originally Posted by d'flash View Post
    oh my.. 4 years pa, mukang maliit ang DP ah, laki ng monthly amort. up to now ba continuous pa din payment mo?

    and TS, ask ko lang, what comes to your mind na magamit yung name mo for loan na 5 years? is this a special friend? :naughty2:
    Quote Originally Posted by yapoy86 View Post
    matanda na ata yung tinulungan nya at hindi na eligible for car loan... so ang ginawa nya siya mismo ang nag loan at pramis nung matanda na sya magbabayan ng monthly... credentials lang nya ang ginamit kaya siya mismo ang borrower..

    ang masakit pa nyan ang laki ng monthly for such a small car.... laki ng interest nyan kaya mahirap ipasa

    Baka inlaws nya ito ah.. hmm so pede pala ibenta yung car kahit inaamortize mo pa? anu yun open deed of sale lang?

  7. Join Date
    Mar 2008
    Posts
    37,248
    #37
    so, i suppose that means, the bigger your loss at the re-sale, the faster your headaches will disappear..
    i wonder, do banks have a mechanism to make it easier for the mortgager..?

  8. Join Date
    Aug 2009
    Posts
    181
    #38
    [QUOTE=becauseIhelp;2101005]1.6L po 4dr sedan 2012 model
    A/T po
    7700K mileage
    16k monthly.
    plate ending 7.

    ala pa po ako kahit ano posting.
    5 years po so may remaining 4 years pa po..

    neg po ako s DP kahit hulugan pa po un DP.[/QUOT

    Lumalabas 5% lang DP mo kung 16k monthly mo for a Php 789,000.00 car? parang 20% yata required DP ng bank diba..

  9. Join Date
    Nov 2009
    Posts
    2,937
    #39
    Quote Originally Posted by becauseIhelp

    1.6L po 4dr sedan 2012 model
    A/T po
    7700K mileage
    16k monthly.
    plate ending 7.

    ala pa po ako kahit ano posting.
    5 years po so may remaining 4 years pa po..

    neg po ako s DP kahit hulugan pa po un DP.
    Laki ng monthly. Magkano nadown diyan?

    Sent from my iPad using Forum Runner

  10. Join Date
    Aug 2012
    Posts
    31
    #40
    I do dent repair/removal and I am in 31 examiner st., I have so many friends who are buying and selling cars, bring ti to my shop and I'll ask some friends if they can help you although that ford fiesta is not very sale-able.

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I helped with the car loan, now I am in trouble :( please help