lowest auto loan rate

**Onyx2012** · November 18th, 2012 07:12 PM

Innova E Diesel M/T po

**Onyx2012** · November 18th, 2012 07:17 PM

Originally Posted by stavros

Taas yan, sa chinabank 26% lang

Sir me mairerefer po ba kayo n bank rep sa chinabank? TIA

**rbducado** · November 20th, 2012 10:18 AM

Good day!

Pa-request naman po ng better qoutation. Parating na yung mirage na pina-reserve ko.
-GLS MT, SRP: P588K less P25K cash discount, 20% DP, 60 mos amortization
So far 26.49% pinakamababang offer nakuha ko from MBTC.

Pls email me at rbducado*yahoo.com.

Thanks! =)

**fourlegged** · November 24th, 2012 11:20 AM

Good Day! Ito yong quotation from BDO Cebu. Lemme know your opinion.

All-in financing (LTO, Chattel Mortgage, Insurance)
Unit Price: P1,119,000.00
20% DP: P 223,800.00
Loanable Amount: P895,200.00

3 years P32,122.76 29.18%
4 years P25,261.43 35.45%
5 years P21,332.62 42.98%

Regular Loan (Excluding: LTO, Chattel Mortgage, Insurance)
Unit Price: P1,119,000.00
20% DP: P 223,800.00
Loanable Amount: P895,200.00

3 years P29,936.98 20.39%
4 years P23,745.18 27.32%
5 years P20,155.42 35.09%

Yan ang 2 options ng BDO Cebu. So far, Im planning to avail the All-in Financing. What do you think of the rates given by BDO? Meron pa kayang mas lesser nito? Hope to hear updates from you Tsikoters. Or email me if anybody can give me lower rates pa Dconnects*yahoo.com - Thank You!

**Pipefish** · November 24th, 2012 02:14 PM

Too high. I got 21.4% from BPI last September, and that was before the central bank cut benchmark rates by another 25bps. That's with free insurance, although the participation is a bit high at ~P9,000.

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**fourlegged** · November 25th, 2012 08:12 AM

Originally Posted by Pipefish

Too high. I got 21.4% from BPI last September, and that was before the central bank cut benchmark rates by another 25bps. That's with free insurance, although the participation is a bit high at ~P9,000.

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Sir PF, All-in kinuha ninyo sa BPI? Ilang years to pay? Or yong regular loan kinuha nyo na you have to pay the LTO, Chattel etc? Wala pa kasi akong masyadong idea about this kasi first time ko pa nito... Kaya nalilito ako... Sa BDO ako nagpa compute kasi bank ko is BDO but was thinking na i-try ko to other banks para may comparison...

**Noel Salisipan** · November 25th, 2012 09:28 AM

Originally Posted by Pipefish

Too high. I got 21.4% from BPI last September, and that was before the central bank cut benchmark rates by another 25bps. That's with free insurance, although the participation is a bit high at ~P9,000.

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21.4%, 3months?

Mahal nga yung participation, pero kung wala kang claim for a year e ok na rin saka lumipat.

Mine, 3k participation lang at wala naman akong naging problema sa claims ko later lang.

**puroiskii** · November 25th, 2012 10:55 AM

Originally Posted by fourlegged

Good Day! Ito yong quotation from BDO Cebu. Lemme know your opinion.

All-in financing (LTO, Chattel Mortgage, Insurance)
Unit Price: P1,119,000.00
20% DP: P 223,800.00
Loanable Amount: P895,200.00

3 years P32,122.76 29.18%
4 years P25,261.43 35.45%
5 years P21,332.62 42.98%

Regular Loan (Excluding: LTO, Chattel Mortgage, Insurance)
Unit Price: P1,119,000.00
20% DP: P 223,800.00
Loanable Amount: P895,200.00

3 years P29,936.98 20.39%
4 years P23,745.18 27.32%
5 years P20,155.42 35.09%

Yan ang 2 options ng BDO Cebu. So far, Im planning to avail the All-in Financing. What do you think of the rates given by BDO? Meron pa kayang mas lesser nito? Hope to hear updates from you Tsikoters. Or email me if anybody can give me lower rates pa Dconnects*yahoo.com - Thank You!

taas ng rates sir, try mo magbackread, last month, i got 28% with free insurance for 5years sa metro, kaso promo lang un, makakuha ka ng mas mababa dyan

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**Pipefish** · November 25th, 2012 03:37 PM

Originally Posted by fourlegged

Sir PF, All-in kinuha ninyo sa BPI? Ilang years to pay? Or yong regular loan kinuha nyo na you have to pay the LTO, Chattel etc? Wala pa kasi akong masyadong idea about this kasi first time ko pa nito... Kaya nalilito ako... Sa BDO ako nagpa compute kasi bank ko is BDO but was thinking na i-try ko to other banks para may comparison...

Four years (Noel, take note). I paid for chattel mortgage and TPL, tapos naka-advance 'yung first month. Pero 'yung next amortization 2 months after pa. Casa took care of LTO. Nag-inquire din ako sa BDO, EastWest, China Bank at PSBank. Pinaka-competitive sa BPI.

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