[QUOTE=makwin;2233992]Definitely No. Kung di ka qualified right there and then di ka na papipirmahan ng PN. The reason why I asked you kung bakit they required you to submit an audited FS w/ STAMP RECEIVED FROM THE BIR? is because hinde naman kelangan yun at mas lalong hinde eto requirement ng BSP. Bank employee ba nakausap mo or agent lang? An audited FS would suffice as long as certified or galing sa isang Accountant authoried by the BOA. Anyway, i am glad na ok na yung problem mo. to our fellow members, below are the usual requirements when applying for a car loan.

Bank employee mismo, tinawag pa nga ang bank manager ng pinakita ko quotation ng ibang bank and interest rate at sabi... "Sige habulin mo"...
Dito ko din kasi nalaman sa tsikot na pwede din pala maki pag haggle ng lower interest rate sa bank.

Anyway nai-share ko lang naging experience ko....