lowest auto loan rate

[Walter]

39.9% is too high. It's 10% per year. Bank can give as low as 20-25%, about 5% per year. Why would you want to pay double? If you can't afford now then save more and wait.

[jansky]

Price: 578,000
20% 115,600
Disc 40,000
Total 75,600
Ins: 17,843
Lto: 7,652.18
Tpl: 1,710.40
Cmf: 18,997
Total: 121,803
Add disc: 41,616
Total cashout: 80,187
Af: 462,400
Mos 4 yrs: 13,386


ka-tsikot question lang, ok ba quote sa akin, inhouse "all-in"

sir, taas nyan
Mas mataas pa interest nyan at monthly mo kaysa sa napaquote kong jazz sa banko check nyo ung post ko sa isang thread
Ung monthly nun nasa 11k lang for 5yrs srp ng jazz nasa 800k

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[danaflor]

based sa computation ko 38.9% ang interest, mataas kc "all-in" 80k cash out.
Ng-inquire nko sa banko, 154k pinakamababa na dp nahanap ko, and yes mababa ang monthly ng banko ng 15++
Ganun naman tlg mga ka-tsikot, mababa dp mataas interest, mataas dp mababa interest,
80k lang kaya ko ilabas na pera at kuntento ako sa freebies na matatangap ko.

[AJ1620]

Mga ka tsikoter Share ko lang...
Kumuha ako ng Vios 1.3E A/T
Unit Price - 762,000
bigay sa akin ng SA ko 48K cash out All-in
60 months 15,918

na approve na yung loan ko sa east west bank ok na ba itong amount na ito para sa 5 years to pay?
need some advice po.

salamat

[leodawesome]

Don't be fooled by very low 'all-in' packages. Lugi ka jan in the end. Sure you will release a small amount of money now, but in the long run talo ka sa laki ng monthly. In the end halos doble na binayad mo sa car. These kind of deals are only for the impatient. Why not save now and reap the fruits later. Sa monthly mo ngayon ng 'All-in' para sa sedan, para ka nang naghuhulog ng SUV.

And hindi naman sa nangmamaliit ako, if you can't afford the 30% down payment of the car today, most likely you wont be able to afford owning the car during the duration that you are paying for it. Hindi lang monthly amortization ang babayaran mo sa car, there's fuel, parking, maintenance on parts, aesthetics (carwash, detailing, etc). Kaya madami nahahatak na cars ngayon ang banks eh, hindi nila nafafactor out yung mga gastos.

[sirmykel]

Mga ka tsikoter Share ko lang...
Kumuha ako ng Vios 1.3E A/T
Unit Price - 762,000
bigay sa akin ng SA ko 48K cash out All-in
60 months 15,918

na approve na yung loan ko sa east west bank ok na ba itong amount na ito para sa 5 years to pay?
need some advice po.

salamat

malaki boss yung monthly mo. yung bayaw ko nakakuha ng 12k/mo sa 39k na dp

[AJ1620]

malaki boss yung monthly mo. yung bayaw ko nakakuha ng 12k/mo sa 39k na dp

sir saan lugar sya nakakuha?

[AJ1620]

sir salamat sa advice..

[pat_17]

Price: 578,000
20% 115,600
Disc 40,000
Total 75,600
Ins: 17,843
Lto: 7,652.18
Tpl: 1,710.40
Cmf: 18,997
Total: 121,803
Add disc: 41,616
Total cashout: 80,187
Af: 462,400
Mos 4 yrs: 13,386


ka-tsikot question lang, ok ba quote sa akin, inhouse "all-in"

If I'm not mistaken this is Mirage G4.. Also eyeing to get Mirage. I hope someone from the banks could help me get the lowest interest rate din hehe..

Plan:
DP: 150k all out cash
Preferred Monthly: 7k -8k

Kapag ba sa banko kumuha kasama yung mga frebbies? EWD, TINT, MATT, REG, and Rust Proofing?

2nd question is, BPI's price of the base mirage g4 is 578000, pero sa mitsubishi inhouse 538000 nalang due to discounts..

Where are they going to base the base price?
TIA


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[danaflor]

yes quote above is for glx mirage g4. Quote above is also using the "all in" scheme with only 80k cashout. "All-in" scheme will allow you to cash out less because lto,tpl,insurance,chattel will all become free aside from standard freebies which your SA can provide to sweeten the deal. Upon reading your posts, i strongly suggest you inquire DIRECTLY to banks since you can cashout a 20% DP, have yourself approve, ask for quote, then decide which banks provide you the lowest interest rate. Keep in mind that banks aside from the 20% DP, you will also shoulder the insurance,chattel and lto/tpl fees.
Since we have the same desired unit and i have done my homework. These are the best quotes i got.
CASA/dealer 80k ALL-IN 4 yrs to pay, 38.9% interest, 13,386/mo.,everything is free plus standard freebies, plus windshield plus windvisor
PSBank 20%DP, insurance, chattel, LTO/tpl (free by my SA), standard freebies only, windshield at windvisor (didiskartehan pa)
20.05% interest, 4yrs to pay at 10,745/mo., total cashout is 137000.

Hope this will help you decide