lowest auto loan rate

[reine2008]

^ SRP less 140k discount.

^^* sir kamotekid, ang galing nyo po nakuha nyo yung percentage. Hindi kasi sinabi sa asawa ko yung percentage ng interest. Yan kasi ang nilatag sa kanya na best discount na pwede ibigay sa kanya.

Yung chattel nasa 18k

Wala pang insurance at nag hahanap pa ako.... hopefully within today may mag send na ng quotation para ma release na bukas as per the agent.

Thanks po sa input [emoji120]


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[kishAn]

^ SRP less 140k discount.

^^* sir kamotekid, ang galing nyo po nakuha nyo yung percentage. Hindi kasi sinabi sa asawa ko yung percentage ng interest. Yan kasi ang nilatag sa kanya na best discount na pwede ibigay sa kanya.

Yung chattel nasa 18k

Wala pang insurance at nag hahanap pa ako.... hopefully within today may mag send na ng quotation para ma release na bukas as per the agent.

Thanks po sa input [emoji120]


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Yes tama si kamotekid sa computation. Amount finance is 990,500 (srp less discount less 30%dp) chattel is 18,373;
5yrs 27.51% P21,050; 4yrs 20.96% P24,960

Kaya pa sir pababaan yang rate.


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[kamotekid1968]

again sir, credit this to sir *kishAn, sa kanya galing tong formula na 'to ;) laki ng chattel fee...hahaha!

[kamotekid1968]

sir *kishAn, how did you compute for the chattel fee? is this based on SRP, DP or interest rate? or wala akong tinama? lol

[kishAn]

sir *kishAn, how did you compute for the chattel fee? is this based on SRP, DP or interest rate? or wala akong tinama? lol

Sa amount finance based ang chattel fee may table yan per amount finance. Pag provincial address of residence and dealer may additional fee pa ulit yun


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[kamotekid1968]

universal ba tong table na to? i mean, does all banks follow the same table as far as computing the chattel fee? what if yung amount financed is 423,500? how much usually? thanks!

[kishAn]

universal ba tong table na to? i mean, does all banks follow the same table as far as computing the chattel fee? what if yung amount financed is 423,500? how much usually? thanks!

Not really sure with other bank's table pero dapat hindi siguro nagkakalayo. For amount finance of P423,500 if no out of town charges chattel fee is or should be around P11,112 only


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[kamotekid1968]

hi sir, when you say out of town charges? what does it mean? if you live outside metro manila? (e.g provinces) i was quoted for 13k+ for the chattel fee? can this be disputed incase? thanks!

[reine2008]

Parang isang bank lang yung sayo *sir kishan at etong kausap ng asawa ko kasi sakto ang computation mo.

Hindi ko alam paano ko sasabiin na makipag huggle pa sa kausap nyang branch head. Actually, hindi na kasi sya nag apply sa ibang bank kahit na BdO sya talaga may account.


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[kishAn]

hi sir, when you say out of town charges? what does it mean? if you live outside metro manila? (e.g provinces) i was quoted for 13k+ for the chattel fee? can this be disputed incase? thanks!

Yes provincial, mostly laging metro manila based yung fee then add na lang if privincial ang residential address at dealer


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[RR_22]

That's why you should get metro-manila based dealer to avoid added charge.

Usually with most banks, if the loan is more than 500k you can ask to waive the chattel fee.



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[kamotekid1968]

sir *RR_22, so there's no way that a bank can waive the chattel fee if the amount is below 500k? does all banks do this?

[Zach06]

Hi mga Sir. Okay po ba ang approval ko sa PNB bank financing.

Unit: 2017 Mitsubishi Mirage GLX CVT (Hatch)
SRP: 610,000 (-50K DP) so 560K na lng cya
Dealer: Citimotors Inc Makati
Freebies: Basic + Visor and x2Ralliart ID Lace + 3 Years LTO
Amortization 1st Year: 9,448 PNB Poblacion Makati Branch
Amortization 2nd to 5th year: 10,678 (+ Amortized Insurance)
Insurance: PNB Gen (1st year free and amortized na upto loan maturity of 1230/mo with AOG)

Cashout sa dealer:

20%DP of 560,000 - 112,000
TPL for 3 Years - 1,600
Total: 113,600

PNB Cashout:

Chattel: 15,200
Insurance: Free

Pwede na ba mga sir?

[Zach06]

Hi mga Sir. I got approved sa PNB

Unit: 2017 Mitsubishi Mirage GLX CVT (Hatch)
SRP: 610,000 (-50K DP) so 560K na lng cya
Bank: PNB Makati Poblacion
Dealer: Citimotors Inc Makati
Freebies: Basic + Visor and x2Ralliart ID Lace + 3 Years LTO

Loan Amount: 448,000
Amortization 1st Year: 9,448 (with free insurance)
Amortization 2nd to 5th year: 10,678 (+ Amortized Insurance of 1230/mo)
Insurance: PNB Gen (1st year free and amortized na upto loan maturity of 1230/mo with AOG)

Cashout sa dealer:

20%DP of 560,000 - 112,000
TPL for 3 Years - 1,600
Total: 113,600

PNB Cashout:

Chattel: 15,200
Insurance: Free

Pwede na ba mga sir?

[RR_22]

28% for five-year loan?

For me, I will inquire with other banks pa. Don't be in hurry until you get the best deal. Usually, loan quote has 30 or 60 days validity.


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[kishAn]

Hi mga Sir. I got approved sa PNB

Unit: 2017 Mitsubishi Mirage GLX CVT (Hatch)
SRP: 610,000 (-50K DP) so 560K na lng cya
Bank: PNB Makati Poblacion
Dealer: Citimotors Inc Makati
Freebies: Basic + Visor and x2Ralliart ID Lace + 3 Years LTO

Loan Amount: 448,000
Amortization 1st Year: 9,448 (with free insurance)
Amortization 2nd to 5th year: 10,678 (+ Amortized Insurance of 1230/mo)
Insurance: PNB Gen (1st year free and amortized na upto loan maturity of 1230/mo with AOG)

Cashout sa dealer:

20%DP of 560,000 - 112,000
TPL for 3 Years - 1,600
Total: 113,600

PNB Cashout:

Chattel: 15,200
Insurance: Free

Pwede na ba mga sir?

Rate given to you for 5yrs term is 26.53% ok naman na yan pero meron pang banks na mas mababa dyan around 24% but if PNB given you a deal of amortized insurance payable monthly seems a good deal na for the 2th to 5th year and free for the 1st year. Chattel fee medyo mataas, should be around 11,400 if you're residing in metro manila. TPL not free coz hindi mo kinuha sa dealer yung insurance, over all imho its a good deal. Pwede ka nman magantay ng promo from other banks with free insurance and chattel fee and a much lower rate pero walang kasiguraduhan kung kelan yun.


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[Zach06]

For me ok na din po ako sa deal since ang dami hinihingi sken ng metrobank kasi ung co-maker ko which is my wife wala pang work ngayon kasi tinututukan nya ung new born baby namen. Ung sa Chattel nakiusap ako na mdjo babaan binigay nman ng 12,300. The officer told me kaya mdjo mataas daw chattel kasi free si insurance for the first year. Good deal na din po ung amortized na insurance 2nd to 5th year since may AOG nman po dba?

Rate given to you for 5yrs term is 26.53% ok naman na yan pero meron pang banks na mas mababa dyan around 24% but if PNB given you a deal of amortized insurance payable monthly seems a good deal na for the 2th to 5th year and free for the 1st year. Chattel fee medyo mataas, should be around 11,400 if you're residing in metro manila. TPL not free coz hindi mo kinuha sa dealer yung insurance, over all imho its a good deal. Pwede ka nman magantay ng promo from other banks with free insurance and chattel fee and a much lower rate pero walang kasiguraduhan kung kelan yun.


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[akosila]

Nag inquire ako sa BPI. 26.28% yung rate na binigay. free insurance if 500k up ang niloan mo. sa tingin ko mahal hehe. any suggestions po?

[Zach06]

Try PNB din Sir. Ung akin Loanable amount ko 448K lang pero free 1st year insurance. Pero tali ka for 5 years. For me ok cya because i will keep the car naman for more than 5 years.

Nag inquire ako sa BPI. 26.28% yung rate na binigay. free insurance if 500k up ang niloan mo. sa tingin ko mahal hehe. any suggestions po?