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February 16th, 2017 01:39 PM #971
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February 16th, 2017 10:36 PM #972That'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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February 22nd, 2017 11:17 AM #974sir *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?
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February 22nd, 2017 11:01 PM #975Hi 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?
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February 22nd, 2017 11:36 PM #976Hi 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?
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February 23rd, 2017 11:08 AM #97728% 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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February 23rd, 2017 11:27 AM #978
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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February 23rd, 2017 01:45 PM #979For 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?
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February 27th, 2017 02:19 PM #980Nag 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?
Hinde na need ng CTPL ngayon pag naka compre Sent from my iPhone using Tapatalk
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