lowest auto loan rate

**wilson3** · July 23rd, 2017 11:50 AM

Guys ok n b to
Toyota in house
Fortuner G at 1,503,000
Dp 194k
29,570 for 60 months

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**small4ward** · July 25th, 2017 02:44 PM

Originally Posted by ki3210

Mga Sirs pa help nmn kung ok yung Car Loan na inapplyan nmin sa PS Bank

Unit : Honda BRV-S

DP : 197,800
Chattel mortage : 13,862
Insurance : 23,977 for 1 yr
LTO : Free for 1 yr.
3rd party liability : 1,600

Total : 237,239

Monthly : 16,532 (26.650%)

Pwede na po ba ito? nalalakihan kasi ako pero wala din ako idea 1st time car buyer.

Ang mura ng chattel mo. 14k quote sakin for Honda City eh.

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**pm_me_your_dog** · September 7th, 2017 04:20 PM

Originally Posted by kulit

You can also go bank "hopping". In my experience, the quoted rates are not fixed. Go to one bank and get a quotation. Then go to the 2nd bank and show the 1st bank's quotation, tatapatan or bababaan pa ng 2nd bank yung rate nila. You can then go back to the 1st bank or to a third bank. Just be friendly and maintain good rapport with the loan officers or bank manager. Don't commit at first. Good luck!

Can I get a quotation kahit wala pa application or di pa na-approve? For example, I got approved sa 1st bank, then punta ako 2nd bank para kumuha ng quotation para pantapat sa offer ni 1st bank pero di pa ako nag-apply dun sa 2nd bank.

**_Qwerty_** · September 7th, 2017 04:23 PM

you can get multiple quotation kahit wala pang bank approval.. just tell them how much downpayment you are going to make..

Originally Posted by pm_me_your_dog

Can I get a quotation kahit wala pa application or di pa na-approve? For example, I got approved sa 1st bank, then punta ako 2nd bank para kumuha ng quotation para pantapat sa offer ni 1st bank pero di pa ako nag-apply dun sa 2nd bank.

**kishAn** · September 7th, 2017 04:23 PM

Originally Posted by pm_me_your_dog

Can I get a quotation kahit wala pa application or di pa na-approve? For example, I got approved sa 1st bank, then punta ako 2nd bank para kumuha ng quotation para pantapat sa offer ni 1st bank pero di pa ako nag-apply dun sa 2nd bank.

Yes, pwede naman yan kaso much better kung approve ka na sa mga banks para hindi ka na babalik sa bank na much higher rate dahil decline naman pala application mo sa kabila

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**tsik_r2d2** · June 8th, 2018 12:01 PM

BPI pa rin po ba lowest?
Help naman po. I am getting different rates from different branches.
So far, BDO lowest.

Please advise.
Salamat!

**Walter** · June 8th, 2018 12:48 PM

BPI, Metrobank, PS Bank ... BDO usually higher ... get a special rate from the bank that you use ...

**Archerfish** · June 8th, 2018 01:36 PM

Originally Posted by tsik_r2d2

BPI pa rin po ba lowest?
Help naman po. I am getting different rates from different branches.
So far, BDO lowest.

Please advise.
Salamat!

You can try PSbank.

**tsik_r2d2** · June 8th, 2018 01:57 PM

Mahal po ng PSBank quote sakin.
Mas ok pa yung sa BR-V sa earlier messages.

GLS AT Xpander 995k
27.28%
16.885.81 monthly
199k downpayment
Chattel 17,862
Insurance 24,721

**idlewild** · June 8th, 2018 03:34 PM

Saw an article from TGP and BPI has this "All Out" promo going on from June 1 to October 31. This is applicable to 5-year loans with 20% DP. Chattel mortgage fee and 1st year insurance are free and you also get a P10,000 discount on your DP. Their sample computation has a 26.54% interest. Might be worth a look.