lowest auto loan rate

[Monte]

Mga papi tanong lang, approved nako sa bank at sabi ng SA pede ko na kunin ang car... pero ang problema, nabawasan ko na yung pang-dp. Ngayun hinihintay ko uli ang padala ni misis na dadating pa after 2 or 3 weeks.

Pede ba mag-antay muna ng mga 3 weeks yung bank?

Sa pagkakatanda ko, parang 3 months ang validity ng loan approval. So you have 3 months from the time ma-approve hanggang i-avail mo

[rhadski]

mga papi. may tanong lang po ako. let's say 5 yrs yung kinuha kong terms sa bpi, then naisipan ko magbayad lets say 100k pag nagkabonus, may effect ba yun sa interest? mababawasan ba yung terms of payment ko? thanks po!

[kapitan88]

mga papi. may tanong lang po ako. let's say 5 yrs yung kinuha kong terms sa bpi, then naisipan ko magbayad lets say 100k pag nagkabonus, may effect ba yun sa interest? mababawasan ba yung terms of payment ko? thanks po!

dapat mag recompute sila, pwedeng bumaba ang iyong amort, kung same 5yrs pa din, or with same amort, pwedeng mag maikli na ang term mo.

[rhadski]

Thanks po! another question po. pag ba bank finance, free pa din yung LTO registration?

[_Qwerty_]

read the contract first.. yung ibang banko hindi pumapayag nang advance payment kasi naka fix na yung interest na kikitain nila for the duration of the loan..

mga papi. may tanong lang po ako. let's say 5 yrs yung kinuha kong terms sa bpi, then naisipan ko magbayad lets say 100k pag nagkabonus, may effect ba yun sa interest? mababawasan ba yung terms of payment ko? thanks po!

depende sa sasakyan at kung may existing promo sila na ganon.. pero most of the time pag in house financing lang at ALL IN package free ang chattel, LTO at comprehensive..

Thanks po! another question po. pag ba bank finance, free pa din yung LTO registration?

[lukscudkil]

read the contract first.. yung ibang banko hindi pumapayag nang advance payment kasi naka fix na yung interest na kikitain nila for the duration of the loan..



depende sa sasakyan at kung may existing promo sila na ganon.. pero most of the time pag in house financing lang at ALL IN package free ang chattel, LTO at comprehensive..

sir rhadski partial payment is not allowed not unless your goin to pay your outstanding balance in full then you can enjoy rebate

[kuldudepare]

sir luks,
can you give me the best quote for the SANTA FE MT
in 3,4,5 yrs to pay.

TIA

[Car me maybe]

Hello,

Bago lang po ako sa forum na ito. Lurking lang before.

Inquire lang ako sa inyo.

Bibili po kasi ako ng bagong kotse, first car ko to and may napili na ko, Vios 1.5G M/T pero pwede din Vios 1.3E M/T
Wala pa kong nakukuhang dealer. Pero since may kapatid ako sa BDO, nagawa ko magpacompute.

Ito yung computation na binigay sa akin.
Loan Terms---OMA----AOR
12 months ----4.74---5.43
18 months ----7.18---7.94
24 months ----9.92---10.74
36 months ----15.96---16.90
48 months ----21.95---22.96
60 months ----29.13---30.26

For Vios 1.5G M/T
Loan Amt 649,200 (80% of original price)
5yrs 13,981 MA

Okay na ba to? Kasi sabi sa akin ng kapatid ko kaya pa daw nila babaan.

Ang problema ko 100k palang ang cash ko on-hand.

Meron din akong di maintindihan. May mga promo ang dealers na mababang downpayment, pwede bang yun ang downpayment ko pero ang monthly ko is yung sa bangko?

Example:
Toyota promo 90k DP (20%), then ang loanable amount ko sa bangko ay 649k lang instead of 722k.


Please enlighten me. Thanks

[bentotz]

Hi Luks, I've sent you a PM.

[kuldudepare]

good day mga bossing,

ask ko lang po opinions nyo mga bossing. I'm buying a 2nd hand everest 2009mdl. naaprove na ako for financing tapos po eto ang quote sa akin.

760,000php -srp
228,000php -30% downpay

532,000php - amount financed

20,094php - monthly in 3yrs
28,230php - monthly in 2yrs

23,512php - chatel fee
28,184php - insurance fee

ano po ba % interest nito? pano po macompute yung interest?

ok po ba ang deal na ito or pwde pa inegotiate? kng pwede po, ano po reasonable monthly na pwde ko mapiga in 2yrs at 3yrs?

first time buyer kaya po wala pa po alam pagdating sa mga ganito.

Maraming salamat po mga bossing!

[kasper]

Nakup0 12% per annum ang interest rate for 3 years. Masyado pong taga. Sa 2 years is 13%?. Mas mabuti pa icash nyo na lang. Eto ang ideal kung 5% per annum :

3 years = 17k
2 years = 22.3k

Hope this helps. Mag inquire po kayo sa ibang bangko. Marami nag-ooffer mas mababa.

[kuldudepare]

Nakup0 12% per annum ang interest rate for 3 years. Masyado pong taga. Sa 2 years is 13%?. Mas mabuti pa icash nyo na lang. Eto ang ideal kung 5% per annum :

3 years = 17k
2 years = 22.3k

Hope this helps. Mag inquire po kayo sa ibang bangko. Marami nag-ooffer mas mababa.

maraming salamat bossing..

nagbigay nako ng 10k for reservation para ndi na makuha ng iba pero yun palang nabibigay ko sa pde pa siguro ako makipagnegotiate.

[RaffyDoodle]

Pasensya na po kung itatanong ko to. It might be discussed somewhere back in the thread kaso maraming pages na to read back.

Pasuyo na lang po kung paano mag compute ng Interest Rate medyo nalilito kasi ako hindi ko makuha nag exact figure ...

Based on BPI Auto Loan Calculator ....


Selling Price: P838,888.00
Downpayment: P167,777.60 *20%
Amount Financed: P671,110.40
Monthly Amortization: P14,154.00

Paano ko po ba malalaman kung ilang percent ang interest na ini apply nila?

[peejay_07]

^pinakamabilis dyan i click nyo yung rates na link kung bpi calculator gamit nyo. Meron dapat dun. Pwede rin naman i compute. Kulang nga lang ang data nyo. Walang number of months. Pero assuming 60 months to pay yan, interest = (MA x 60) - amount financed. Interest rate = (interest / amount financed) x 100


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[yebo]

gamitin kasi ang internet, meron naman google e!

Compound interest - Wikipedia, the free encyclopedia

[MonteroGLSV]

I think sir iba ung rate ng second hand car sa brand new
pero masyado po tlga mataas ung rate na binigay nila sa inyo sir.

http://info.bpiexpressonline.com/bpi...s?OpenDocument

Nakup0 12% per annum ang interest rate for 3 years. Masyado pong taga. Sa 2 years is 13%?. Mas mabuti pa icash nyo na lang. Eto ang ideal kung 5% per annum :

3 years = 17k
2 years = 22.3k

Hope this helps. Mag inquire po kayo sa ibang bangko. Marami nag-ooffer mas mababa.

[RaffyDoodle]

gamitin kasi ang internet, meron naman google e!

Compound interest - Wikipedia, the free encyclopedia

Yabang mo naman pare. You can reply naman without negative side comments. Of course i consulted the internet that's why i bumped with the BPI auto loan calculator.

My question is simple, how BPI arrived at their interest rate and it can also be explained in simple and not complicated manner by persons who are professionals not like you.

What you just did ... binigyan mo lang ako ng link which i think you too does not know how to explain.

Nagyabang ka pa, do you think your answer makes you a better man?

You just displayed your boastfullness and arrogance.

Thanks but no thanks pareng yabang.

[yebo]

Yabang mo naman pare. You can reply naman without negative side comments. Of course i consulted the internet that's why i bumped with the BPI auto loan calculator.

My question is simple, how BPI arrived at their interest rate and it can also be explained in simple and not complicated manner by persons who are professionals not like you.

What you just did ... binigyan mo lang ako ng link which i think you too does not know how to explain.

Nagyabang ka pa, do you think your answer makes you a better man?

You just displayed your boastfullness and arrogance.

Thanks but no thanks pareng yabang.

wow, yun lang nayabangan ka na? sensitive mo naman. obvious lang naman yung sinabi ko, na by using google you can find the answer without needing to have other people answer it for you. what difference does my answer make from somebody telling you to use the search funtion of this board to look for a possible answer in previous posts? and people have been reminded time and again here in tsikot to do exactly just that, use the search function. pero ikaw feeling entitled. so galit ka? at nayabangan sa sagot ko?bakit di mo na lang binasa yung buong thread, all 52 pages of it? i guarantee you that you will not be the first person to be told to do so.

kaya nga nilagay ko yung link kasi andun na lahat ng answers sa question mo. ano gusto mo, i-explain pa sa iyo item by item, kung anong values ang isu-substitute para makuha mo yung value ng interest rate na ginamit. andun na yung formula, gagamitin mo na lang. ka tamad mo naman.

[RaffyDoodle]

wow, yun lang nayabangan ka na? sensitive mo naman. obvious lang naman yung sinabi ko, na by using google you can find the answer without needing to have other people answer it for you. what difference does my answer make from somebody telling you to use the search funtion of this board to look for a possible answer in previous posts? and people have been reminded time and again here in tsikot to do exactly just that, use the search function. pero ikaw feeling entitled. so galit ka? at nayabangan sa sagot ko?bakit di mo na lang binasa yung buong thread, all 52 pages of it? i guarantee you that you will not be the first person to be told to do so.

kaya nga nilagay ko yung link kasi andun na lahat ng answers sa question mo. ano gusto mo, i-explain pa sa iyo item by item, kung anong values ang isu-substitute para makuha mo yung value ng interest rate na ginamit. andun na yung formula, gagamitin mo na lang. ka tamad mo naman.

You forgot the essence of having a forum pogi. It's sharing of ideas and having fruitful conversations. And you also forgot using internet does not gave you the right para maliitin mo ang ibang tao. Remember the word "NETIQUETTE". You better google this term and make use of it.

Im not asking for your unsolicited opinion. If you cannot give a balance opinion, why don't you just shut your mouth and let others make healthy contributions.

Im not new to a forum and i know exactly how to use the search button. What i am asking is just an immediate reply from forum members who has immediate knowledge and concern. And obviously HINDI IKAW YUN.

I don't want to argue with you pogi, kung hindi ka lang maangas wala tayong pag aawayan.

Magpakumbaba din pa minsan minsan pag may time wag puro yabang.

[yebo]

talaga? pero siguro kung admin ang magsasabi sa iyo, and i have seen it done several times, na gamitin mo yung search function e hindi ganyan ang reaction mo.

hindi kita inaway, ikaw ang nagalit. hindi porket galit ka e inaaway na kita, feeling mo lang yun. well, sorry for whatever made you angry kung ano man yun. taray.