lowest auto loan rate

**rhadski** · October 20th, 2015 11:27 AM

Originally Posted by boytsiks

^^ pacompute mo sa loan officer yung outstanding balance mo sa car loan mo. Tapos may babayaran lang parang termination fee ng loan.

IIRC, pag bayad na ang loan. Tapos na rin ang tie up mo sa insurance. Check mo lang kasi yung iba minimum 3 yrs yung tie up.

Thanks po sa pagsagot. will ask the bank about it.

**Walter** · October 20th, 2015 11:30 AM

Originally Posted by cyplanr

info lang... Metrobank car loan promo, free chattel (not exactly free kasi may Php 1.5k na processing fee) at free 1st year insurance... only catch is tied up ka sa insurance for the 2nd and 3rd year. Ok na rin overall, kahit mas mataas ng konti interest compared sa BPI and BDO malaking tipid pa rin ang CM at Insurance.

The insurance isn't really free. They'll recover the cost on the 2nd and 3rd year.

**cyplanr** · October 20th, 2015 08:38 PM

yun nga lang, medyo babawi sa 2 yrs insurance... magkano ba talaga kung di tied up sa bank? they're quoting the ffg for trend:
2nd yr FMV=1.3M, Premium=34k, deductible=6.5k
3rd yr FMV=1.17M, Premium=30k, deductible=5.85k

at di ko pa rin alam kung ok ang Charter Ping An, ok ba sila?

**cyplanr** · October 20th, 2015 08:38 PM

yun nga lang, medyo babawi sa 2 yrs insurance... magkano ba talaga kung di tied up sa bank? they're quoting the ffg for everest trend:
2nd yr FMV=1.3M, Premium=34k, deductible=6.5k
3rd yr FMV=1.17M, Premium=30k, deductible=5.85k

at di ko pa rin alam kung ok ang Charter Ping An, ok ba sila?

**jefbuan** · October 23rd, 2015 05:46 PM

nagaplly ako online sa BPI at balak ko kumuha ng mobilio cvt paguwi namin ng pinas next month,,kakaapproved ko lng kanina at eto binigay na term 30%/60
unit:877,00
d/p: 263100
finance: 613,900
OMA :26.28% php 12921 /mo
AOR :27.28 % php 13023 /mo
chattel : php15,305
insurance : free 1 yr

sa dealer kaya mabibigay nila free LTO??ok na ba yung deal ko sa bpi or try pa sa ibang bank??

**jefbuan** · October 23rd, 2015 05:46 PM

double post.pag pala sa laptop chrome dodoble,pero sa iphone di naman..

**cyplanr** · October 24th, 2015 10:48 PM

ganyan din nga rate na bigay sa akin ng BPI, 26.28 OMA, di nila maibigay na free chattel, free insurance pero tali 5 years as against sa metrobank same rate, yung chattel php 1,500 at tali ka lang ng 3 years sa insurance

**estatiktik** · October 26th, 2015 08:16 PM

OMA 26.28% is a great deal!...

I was wondering the same thing...kung ok yung free chattel and 1 year insurance ng Metrobank...tapos tali ka 2nd and 3rd year sa kanilang insurance...I wonder if they will compensate the free insurance and chattel from the first year to the 2nd and 3rd year insurance...baka taasan nila sa 2nd and 3rd year... :D

**estatiktik** · October 26th, 2015 08:16 PM

double post sorry...

**carsiesples** · October 27th, 2015 10:21 AM

Sir, newbie here. Mas sulit po ba kung sa bank kumuha ng loan for a second-hand car kesa in-house?
Super baguhan lang po ako and ayoko muna mag brand new until sanay na ako mag maneho. Thanks in advance.