If this is my monthly salary would it be enough to buy a bnew car?

[Retz]

^

pag hindi mo ginamit ung card mo hayaan mo na un annual fee sir. Automatic kasi yan annual fee sa bangko auto generate. Pero pag may outstanding balance na hindi mo pa binabayaran eh ibang usapan na yan.


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[Retz]

May credit rating din ba tayo? Kay suzie orman ko lang napapanood yan.


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[_Qwerty_]

pag hindi ginamit ang card.. hindi naman nangungulit for annual fees.. dami kong cards di ko ginagamit.. wala naman tumatawag..

[Retz]

pag hindi ginamit ang card.. hindi naman nangungulit for annual fees.. dami kong cards di ko ginagamit.. wala naman tumatawag..

Correct alam mo naman ang bangko basta na lang magpapadala ng cc sayo.


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[Retz]

Matagal na nga ang 60months. 36months is just right.


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[sasha1128]

Hi im new here....anu po ba ang dapat na monthly salary to get a car loan....lets say single at wala pang responsibility kasi nakatira pa sa parents.....
I Just hope na open pa tong thread.....: )

[dr. d]

Hi im new here....anu po ba ang dapat na monthly salary to get a car loan....lets say single at wala pang responsibility kasi nakatira pa sa parents.....
I Just hope na open pa tong thread.....: )

it's really simple..
how much are you spending now? let's be real here..
how much is the initial down? do you have it? if you don't, then you can't get a car.
how much is the monthly installment?
can you afford the car maintenance and incidentals? gas and oil, insurance, car registration, parking fees, keep-the-car shining fees..
add them all up (minus the down payment) and then subtract your take-home salary. if your final sum is a negative number, then you can't afford a car. if it's a positive number, then you might just be able to do it. but only if you can manage to keep within this budget for a number of years.

might i recommend an alternative? get a used car.
acquisition cost + 20%, then gas and oil + monthly maintenance and consumables + parking and toll fees..

to give you an idea.. i have a fully-paid 2 year old car that i use everyday. i spend at least 76K a year for my registration, insurance, maintenance, gas (single biggest cost here) and oil.. and i live just 6 km from my workplace.

good luck.

[Leo_Arz]

Hi im new here....anu po ba ang dapat na monthly salary to get a car loan....lets say single at wala pang responsibility kasi nakatira pa sa parents.....
I Just hope na open pa tong thread.....: )

Around 50-75k vios ang car na pued


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[leodawesome]

Hi im new here....anu po ba ang dapat na monthly salary to get a car loan....lets say single at wala pang responsibility kasi nakatira pa sa parents.....
I Just hope na open pa tong thread.....: )

Well for a start, your monthly amortization shouldn't be more than 30% of your monthly salary. Oh, and if you can't afford at least 20% of the down payment, probably you can't afford owning the car.

[jansky]

Hi im new here....anu po ba ang dapat na monthly salary to get a car loan....lets say single at wala pang responsibility kasi nakatira pa sa parents.....
I Just hope na open pa tong thread.....: )

Ung iba nga dyan nakakakuha na ang salary lang eh 30k, in-house nga lang low downpayment, all- in promo pero monthly around 18k. Pataas



As long as kaya mo monthly



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[e2romo]

Don't forget the other expenses of owning a car. The insurance, car maintenance, fuel, car wash, and other incidental expenses.

Sent from the Twilight Zone...

[matthewpark84]

Fortunate enough that i got a raise. Already got a honda jazz. After more than a year

[kimbon]

i started working as part time job way back in college. after graduation, I became regular employee for 8 years. Though I can afford to buy a bnew car on the 6th year, I invested in business instead. the rest is history. Kung kaya pang tiisin mag commute ay hwag muna sanang bumili ng tsikot.

[dr. d]

i agree.
buy a car later, when you can truly comfortably afford one. be honest! eating cardboard for dessert isn't fun.

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i agree.
buy a car later, when you can truly comfortably afford one. be honest! eating cardboard for dessert isn't fun.

[dreamur]

Fortunate enough that i got a raise. Already got a honda jazz. After more than a year

TS got a car already, congrats bro! Hope the increaase is sufficient to cover for the monthly/annual expenses the good old doc mentioned more than a year ago.

[kimbon]

^^ ngek tapos na pala ang boxing and yet we're commenting about fight.

[dr. d]

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^^ ngek tapos na pala ang boxing and yet we're commenting about fight.

this is for the lurkers out there..

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We'll that's a want against a need. Wants are dangerous in my book dr. d [emoji4]

VERY dangerous! i agree.
"bilmokonyon.. bilmokonyan, ha!"

and the bank warehouses are full of cars formerly owned by people who "needed a car.."

[chronicle]

Nakakalaki nang tyan kapag may kotse. Compared sa commute na palaging exercise dahil pawisan at box out palagi.

[kagalingan]

Better save money and pay it all. No more utang sa bank

[unmarked]

Unless maiipon mo yang pera or mapunta sa magandang investment, i say go for it. Kasi kung wala lang din mapuntahan yan gastos dito gastos dun taxi dito uber dun e kumuha ka na nga lang ng auto mo.