Maaprovecba ako ng car loan?

[victorevolution]

Oh well, meron din kaming forum na mga online freelancers, at since source ng income namin is from abroad, para na din kaming OFW. At may nag-inquire na din sa BIR na mga kasama namin at sabi, OPTIONAL daw kung gusto namin. Yun nga lang pagdating sa mga docu medyo pahirapan pag hindi nag declare

mod im sorry for my post

damn you! to say na para kang ofw!!!!! ofw are tax exempt for 2 reasons:

1-since they are being taxed already by a foreign govenment (if not they will still not be taxed here ex. brunei )
2- they need to remit to the Philippines a specific portion of their salary/income (if not they will be taxed here)- same reason why our economy remains stable despite of mismanagement dahil sa dollar or other foreign currency reserves natin na pinapadala nila

necessary paper work also applies(like need to inform the bir you will be out of the country for a specifc amount of time, seamans book etc etc.)

you earn your income here you received your income here!(and you work here) you are taxed from within and without since you are a filipino kahit sa america pa or zimbabwe ka pa sumweldo ay kailangan ka mabuwisan! kupal mukhs ka!

ikaw ay isang tax evader at kung sino man bir employee(malamang janitor kasi hear say lang) ang nakausap ng nakausap mo ay malamang hindi empleyado ng bir!


even an if a filipino employee was given a chance by his company to work in the states for training or whatever reason(or business trip for months) he is still not considered an ofw but he will be subject to tax credit only(manny pacman pacquiou -best example- end you will not be credited 100 percent hence may babaywaran ka pa din)

TAX EVADER- MAS MALALA PA SA MAGNANAKAW NG BUWAYA NA TONGRESSMAN

[LiempoBoi]

Puro photocopies ng cheques na tinatanggap ko annually & monthly + Bills ng bahay lang yung binigay ko dati noong nagapply ako for my vios. Approved agad (DP ko is 45% tapos 18 months). Dinala ko na yung ITR ko & some statements just in case pero ok na raw yung cheques.

Pero kung bank financing, diba may parang 2nd person na kailangan pumirma? Baka ok na yun kung malaki naman yung kita nung co signer mo.

I think pwede yan as long as magawan nila ng paraan at mapakita mo talaga na kaya mo magbayad.

[shadow]

If you're earning 6 figures a month, declare mo naman kahit na 30k/month income mo para meron kang ITR.


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#retzing

[hao]

May parehas pala akong gustong magka=kotse pero ala ITR. Online din kasi ako work. Pure adsense ang source of income ko since 2001 at 6 figures na ang kita ko monthly. Pera sadly, wala pa rin maipon o ipon para sa cash sa dami kong tinutulungan at pinapalamon na mga bunganga.

Kaya gusto ko na ding kumuha ng car loan para may dahilan sa mga tinutulungan ko na lie low naman sila sa panghihingi

Same. Nasa 4xx,xxx na rin ako monthly although CPA/CPI/PPV ang earnings ko and not from adsense. Wala rin akong ITR, kasi bayad na sa US ung tax ko, if I'm correct kasi ung kinuwa nilang W8 tax form ung pinepresent nla sa itr board nla. Sa case ko naman, ginawang co maker yung father ko and pinakita ko lang ung bank statements + paypal to bank transactions ko approve na.

[mengtadeo]

Ako nga po hirap din maapprove. Bukod sa requirements. May certain net income din ata silang tntgnan. Usually ba magkano dapat income para maapprove

[JonJon Villegas]

In my case, Sa tingin nyo ma approve akin? Combined income with my wife nasa 1xx,xxx lang, 5x,xxx Sa akin 9x,xxx Sa misis ko at ako yung primary since kaka pasok lang Ng wife Ko Sa new company 1 week pa Lang. Still waiting ako Sa approval.


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[JonJon Villegas]

From your experiences, days ba inaabot Sa pag approve Ng application?


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[musica]

From your experiences, days ba inaabot Sa pag approve Ng application?


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1 day lang,, siguro depende rin sa mga info na ibinigay mo ang pag aprove,



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[111prez]

Maaprovecba?

Nung una akala ko Russian language, hehehehe

On whether maapprove ka o hindi sa bangko will also depend on your relationship with the bank, especially the bank manager

[marjako27]

Maaprovecba?

Nung una akala ko Russian language, hehehehe

On whether maapprove ka o hindi sa bangko will also depend on your relationship with the bank, especially the bank manager

My mother has a good relationship with a bank manager ( not a love affair, she's old ..joke ) kakatapos lng nya last year ng housing loan, 5 years term. Do you think she can get me a car loan or as a co-maker ko.

[jansky]

Maaprovecba?

Nung una akala ko Russian language, hehehehe

On whether maapprove ka o hindi sa bangko will also depend on your relationship with the bank, especially the bank manager

This is true , pag maganda relationship mo sa bank manager madali ka maaprove..

My 2nd car naaprove agad in just half day. Nag email lang ako kng anu gusto ko sasakyan d rest bahala na sila.
The next day release na un car



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[JonJon Villegas]

I mean how many days?


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[romeocharlie]

2-3days? Minsang isang araw lang at mahihintay mo pa.. Depende sa bangko and requirements mo yan. It would not really take long kase yan naman ang bread and butter ng banko, ang mga loans..

Kung naiinip ka sa pinagpasahan mo, then try other banks..


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[JonJon Villegas]

I got approved with a brand new unit today from other bank, but I preferred the 2nd hand unit which is 2012 model. Hopefully maaprove yun.


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[willyfernando]

I got approved with a brand new unit today from other bank, but I preferred the 2nd hand unit which is 2012 model. Hopefully maaprove yun.


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2nd hand units carry a higher interest. I just got a 2nd hand unit last week and the interest was about 6.5% PA compared to the 4.0+% I got on may brand new purchase last December 2013. I got a repo unit from BDO and man it took a week longer to release because of the bank's internal paperwork. Banks work on a certain principle called KYC (know your client). If you have good credit card standing, stable cash management based on your bank statements and your bank manager can vouch for you, they can wave the ITR requirement as well. This was how I got approved on my first car loan. It was more of a bank offer than me needing a loan then. I guess the bank needed the business and I was fortunate to be offered the opportunity of a hassle free approval. Banks are very competitive nowadays and are willing to take more risks than before. To the TS, Go for it if you are confident that you can manage a car loan.