lowest auto loan rate

**kishAn** · February 16th, 2017 01:39 PM

Originally Posted by 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!

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

Sent from my iPhone using Tapatalk

**RR_22** · February 16th, 2017 10:36 PM

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.

Sent from my iPhone using Tapatalk

**mayethcawilan08** · February 18th, 2017 12:56 PM

Hi, I want to take this opportunity to offer the cheapest car insurance on-line Cheapest Car Insurance in the Philippines. I hope you can visit our website and consider our quotation. It's hassle free and will only take you a minute to have your premium amount. Thank you and more power.

VigattinInsurance.com Cheapest and Trusted Car Insurance in the Philippines
•FREE Delivery OF POLICIES THRU OUR MESSENGER OR ACCREDITED COURIER
•WE ARE ACCREDITED TO ALL BANKS AND DEALERS OF ANY BRAND

CONNECT WITH US ON FACEBOOK
Vigattin Insurance | Facebook
Vigattin Tourism Travel and Tourism in the Philippines

**kamotekid1968** · February 22nd, 2017 11:17 AM

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** · February 22nd, 2017 11:01 PM

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** · February 22nd, 2017 11:36 PM

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** · February 23rd, 2017 11:08 AM

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.

Sent from my iPhone using Tapatalk

**kishAn** · February 23rd, 2017 11:27 AM

Originally Posted by 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?

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.

Sent from my iPhone using Tapatalk

**Zach06** · February 23rd, 2017 01:45 PM

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?

Originally Posted by kishAn

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.

Sent from my iPhone using Tapatalk