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  1. Join Date
    Jan 2011
    Posts
    14
    #21
    Quote Originally Posted by glenn_duke View Post
    Did you read the brochure right? Maybe what is printed is "Low Down" OR "Low Monthly". And sometimes it even say for certain models only.
    You should asked for a computation sheet of the AT car at 65K DP and at 200K DP, to verify what is written in the brochure. I really doubt that a 65K DP will have lower amortization than a 200K DP.
    Can you tell us what car it is you are buying.
    Mirage hatch CVT bro. Already asked for other branch and they quoted me almost 100k less (TCP) than this agent.

  2. Join Date
    Feb 2017
    Posts
    11
    #22
    Mga Ka-Tsikoters Question po sa Payment Scheme ko for my Monthly Amortization. Naka Auto Debit po ako sa PNB. Na release po ung Mirage CVT ko nung Feb 24 kaso wala pa din pong nababawas sa Debit Card ko until now. May ganyang instance ba tlga na delay ung 1st amortization? If ever po ba young 1st amortization ko is 2 months agad ang mabawas sa debit ko? Thanks in advance sa info guys.

  3. Join Date
    Mar 2008
    Posts
    54,641
    #23
    Quote Originally Posted by Zach06 View Post
    Mga Ka-Tsikoters Question po sa Payment Scheme ko for my Monthly Amortization. Naka Auto Debit po ako sa PNB. Na release po ung Mirage CVT ko nung Feb 24 kaso wala pa din pong nababawas sa Debit Card ko until now. May ganyang instance ba tlga na delay ung 1st amortization? If ever po ba young 1st amortization ko is 2 months agad ang mabawas sa debit ko? Thanks in advance sa info guys.
    kakaltasan ka rin niyan.
    kaunting pasyensiya lang.
    just be sure you have enough funds for 2, just in case...

  4. Join Date
    Oct 2010
    Posts
    2,551
    #24
    Quote Originally Posted by Zach06 View Post
    Mga Ka-Tsikoters Question po sa Payment Scheme ko for my Monthly Amortization. Naka Auto Debit po ako sa PNB. Na release po ung Mirage CVT ko nung Feb 24 kaso wala pa din pong nababawas sa Debit Card ko until now. May ganyang instance ba tlga na delay ung 1st amortization? If ever po ba young 1st amortization ko is 2 months agad ang mabawas sa debit ko? Thanks in advance sa info guys.
    Nangyari din sa akin yan, diniliver yung GS sa bahay ng katapusan ng Novemebr, pero yung deduction sa account ko nagsimula lang ng Feb 25 the next year. 1 month lang yung kinaltas. PS Bank, tiningnan ko sa online banking yung summary ng account , Feb nagsimula yung monthly ko at hindi Decemebr as I expected.

  5. Join Date
    May 2014
    Posts
    14,700
    #25
    Quote Originally Posted by glenn_duke View Post
    Nangyari din sa akin yan, diniliver yung GS sa bahay ng katapusan ng Novemebr, pero yung deduction sa account ko nagsimula lang ng Feb 25 the next year. 1 month lang yung kinaltas. PS Bank, tiningnan ko sa online banking yung summary ng account , Feb nagsimula yung monthly ko at hindi Decemebr as I expected.
    same here
    dec 2014, 1st deduction feb 2015 na

  6. Join Date
    Feb 2017
    Posts
    11
    #26
    Salamat po sa mga inputs. May mga ganyan pala tlga nangyayare at least may peace of mind na ako. Thanks ulit and more power guys!

  7. Join Date
    Jun 2012
    Posts
    1,488
    #27
    Quote Originally Posted by Zach06 View Post
    Salamat po sa mga inputs. May mga ganyan pala tlga nangyayare at least may peace of mind na ako. Thanks ulit and more power guys!
    Yes, sir.

    Nagpareserve ako sa Ford Alabang (P20K), di ako mabigyan ng unit. Nagpareserve ulit ako sa Ford Manila Bay (P20K). Hindi din nakapagbigay ng unit. Nagpalit na lang ng model. Walang naging problema, medyo natagalan lang nabawi yung reservation sa Ford Alabang.

    Para daw ma full refund yung reservation fee kelangan ang rason ay nagbago ang aking isip. Tragis, eh sila ang walang maibigay na unit.

  8. Join Date
    May 2006
    Posts
    8,357
    #28
    Quote Originally Posted by Zach06 View Post
    Mga Ka-Tsikoters Question po sa Payment Scheme ko for my Monthly Amortization. Naka Auto Debit po ako sa PNB. Na release po ung Mirage CVT ko nung Feb 24 kaso wala pa din pong nababawas sa Debit Card ko until now. May ganyang instance ba tlga na delay ung 1st amortization? If ever po ba young 1st amortization ko is 2 months agad ang mabawas sa debit ko? Thanks in advance sa info guys.
    Ganyan din ako sa RCBC after two months saka pa lang nagsimula yung bayad ko.

  9. Join Date
    Jul 2013
    Posts
    2,450
    #29
    Quote Originally Posted by Zach06 View Post
    Mga Ka-Tsikoters Question po sa Payment Scheme ko for my Monthly Amortization. Naka Auto Debit po ako sa PNB. Na release po ung Mirage CVT ko nung Feb 24 kaso wala pa din pong nababawas sa Debit Card ko until now. May ganyang instance ba tlga na delay ung 1st amortization? If ever po ba young 1st amortization ko is 2 months agad ang mabawas sa debit ko? Thanks in advance sa info guys.
    Baka naman may 1 month advance payment ka na. Nakalimutan mo lang.

  10. Join Date
    Oct 2002
    Posts
    40,599
    #30
    Call the bank and ask them.

  11. Join Date
    Feb 2017
    Posts
    11
    #31
    Quote Originally Posted by Lew_Alcindor View Post
    Baka naman may 1 month advance payment ka na. Nakalimutan mo lang.
    Naka In Arrears po ako. Tinawagan ko ung Manager ng PNB wala nman daw problem i-make sure lang daw na may funds yung debit. Yan din ung sbe ng loan officer. Kung baga may Grace Period daw lol.

  12. Join Date
    Feb 2008
    Posts
    97
    #32
    Samin Dec. 2014 nakuha yung car start ng payment March 2015. 1 month lang kinaltas hindi sinali yung Jan & Feb.. Maybank.. The earlier the better sana para ma umpisahan na.

  13. Join Date
    Sep 2005
    Posts
    15,310
    #33
    Sa amin Dec. 2016, February unang kaltas..

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Payment Scheme Dilemma