Results 41 to 50 of 63
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March 9th, 2015 02:54 AM #41
*dp: Ipon ipon lang muna huwag magmadali......kung di na makahintay then pede ka smumubok kumuha ng 2nd hand car na praktisan kung paano mag-maintain...again get it in cash. Happy Hunting!
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April 18th, 2015 10:13 PM #42
Hello, I'll be buying a car soon. If bank fiancing siya (not in-house financing), sino ang magaasikaso ng mga LTO registration papers? Dealership din ba ang magpprocess nun on behalf of the buyer?
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April 19th, 2015 11:16 AM #43
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April 19th, 2015 11:20 AM #44- - - - - - - - - - - - - - - - - - - - - -
depende.
some casas add the lto and insurance to the price, and make it appear that they are paying them for you, free.
other casas will charge additional for the lto and insurance..
you will have to ask and make sure which is which.
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April 27th, 2015 12:16 AM #45My car loan is bank approved (direct) already. What to do next when talking to dealers? What to consider? Is it ok if my bank officer will do the negotiating with dealers and what is dealers incentive? Newbie po. Thanks.
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April 27th, 2015 08:00 PM #46Dealer incentive is yung 1% ng niloan mo, ay mapunta sa dealer mo.
Parang commission nila. You could na ibigay sayo yung full 1% na yun.
Ask for lotsa free stuff. Pag labanin mo yung mga s.a./dealers na kausap mo.
Ask for free chattel mortgage din from the bank.
Free tpl from the dealer.
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April 28th, 2015 01:38 AM #49Here are my tips. Never ever fall under the "lowest DP" trap. Do not get in house financing even if they offer you big discounts. If it's less than 100k DP (particularly the 20k DP promos), just walk away. I have this colleague who bought a 800+ K car and ended up paying around 1.4M in amortization. I think the DP is around 20+ K. Compute the overall cost of buying a car.
Do not get a 60+ months amortization. Limit it to at most 4 years.
Make sure that your payment just accounts for 25% of your take home pay. I have friends who sacrificed a lot of their salary just to get a brand new car and they regretted getting a car. In the end, they felt the new car was just a burden. If paying insurance is a burden on top of the monthly amortization, think again. Make sure that your car does not affect you living conditions too much.
If you can't afford a brand new car, a second hand car will do. Account for the fact that you might need to spen money for maintenance.
If you can afford, get a good rate from the bank. Use your personal connection. Your father might know someone from the bank that can give you good rates. Never under estimate the power of connections.
Go for the highest DP that you can. Deal with more than one dealer and get the best deal. They are quite accustomed to this practice and frankly, they know more money making tactics than you do and chances are, they are trying to milk as much money from you as they can. Though, respect the ethics behind the deals. Just be frank about the fact that you are talking with other dealers.
Never ever get into trouble of having your car reposessed. Make sure you have enough money for rainy days. You never know when an accident or huge hospital bill might come.
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April 28th, 2015 04:05 AM #50
Maraming Salamat :)
What's the best car tint brand and color?