lowest auto loan rate

**Timmytemyong** · April 2nd, 2016 10:30 PM

Originally Posted by sparco21

discount price is from dealer, not from bank, malamang may ka tie up na dealer yang bpi. psbank at bdo ganun din discount nun, di lang sila nagtanong sa dealer. dapat ikaw hahanap ng dealer, para makapag bargain ka ng discount from srp at iba pang freebies. basta pag approved ka na sa loan sabhin mo sa bank may dealer ka na and tell them ung final price.

Binigay na discount saken ni dealer (Diamond Motors Rizal) is 60k..

**dr. d** · April 2nd, 2016 10:45 PM

Originally Posted by Timmytemyong

Binigay na discount saken ni dealer (Diamond Motors Rizal) is 60k..

does that mean, when you add up all the monthlies and the down payment, the final sum is 60K lower than... what?

**Timmytemyong** · April 3rd, 2016 04:32 AM

Originally Posted by dr. d

does that mean, when you add up all the monthlies and the down payment, the final sum is 60K lower than... what?

Sa unit price sya boss binawas, 1,685,000 sya before 1,625,000 then from there saka sila nag compute ng dp at monthly ko..

**eryxon** · April 3rd, 2016 09:24 PM

Originally Posted by Timmytemyong

Sa unit price sya boss binawas, 1,685,000 sya before 1,625,000 then from there saka sila nag compute ng dp at monthly ko..

You got a better deal. Sa akin 1,685,000.00 less 40k lang. Sabagay cash un kinuha ko at accommodate lang nila ako pero mas gusto daw ng dealer ay hulugan. I think parehas tayo ng unit na kinuha. Sa akin galing Fairview.

**Timmytemyong** · April 4th, 2016 04:51 AM

Originally Posted by eryxon

You got a better deal. Sa akin 1,685,000.00 less 40k lang. Sabagay cash un kinuha ko at accommodate lang nila ako pero mas gusto daw ng dealer ay hulugan. I think parehas tayo ng unit na kinuha. Sa akin galing Fairview.

Akin kasi sir P.O from security bank, initially 50k lang ino offer nila, then si SA offered additional 10k.. Anong kulay ng monty na kinuha mo sir?

**eryxon** · April 4th, 2016 09:38 AM

Originally Posted by Timmytemyong

Akin kasi sir P.O from security bank, initially 50k lang ino offer nila, then si SA offered additional 10k.. Anong kulay ng monty na kinuha mo sir?

sorry sir I just realized that diamond motor is selling Mitsubishi. I got Toyota, was confused with the price its the same kasi.

**Monseratto** · April 11th, 2016 07:46 PM

Is this accurate?

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**ferrarifan** · April 11th, 2016 07:58 PM

Originally Posted by Monseratto

Is this accurate?

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di nalalayo sa prevailing interest rates. but usually you can haggle sa bank to further lower yung rates. also please note kung magkano talaga total na ika-cash out mo. kasi yung ibang banks kunwari mababa ang interest rate pero binabawi naman nila sa ibang charges like chattel mortgage. and syempre mas mababa ang rate kung OMA.

**tolitsaso** · June 1st, 2016 01:10 PM

Question, has anyone tried to re-negotiate or re-compute interest rates after 2 years for an auto loan? e.g. BPI

**weezing** · June 17th, 2016 07:13 PM

Does anybody here know of any casa which applies the discount to the DP. I was offered 95k discount with free LTO. When I talk with Casa They said di nila pweded i-deduct against the DP kasi hndi daw papayag si bank. Spoke with UnionBank and they affirmed the same thing. So I am looking for anyone who knows of a casa who will side swipe the bank pra mai-apply ang discount against the DP and not on the SRP so I get to keep the interest rate and get a better DP deal. TIA