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Verified Tsikot Member
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June 21st, 2017 08:58 PM #1Hi guys. First time post po ito. Para sa mga nakabili sa mga cars for sale ng mga banks.
Ask ko lang kung pano naging experience ninyo sa pag bili sa banko?
Me tinitingnan kasi akong mga cars sa chinabank, psbank, rcbc. Me floor price and may bidding price.
Lets say may vios na 350k(floor) then 320k ang bid.
Pano to? San ko cocomputin ang magagastos ko para sa vios?
Pwede rin ba itong ipa finance sa kanila?
Then kailangan ng mortgage/Chattel?
Insurance and LTO?
Salamat sa makakasagot sa tanong ko.
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June 21st, 2017 09:27 PM #2
bid price lang. pag walang ibang nag bid sa iyo na. experience ko sa psbank 1st to pay down payment wins if the bids are the same. kung gusto mo raise mo yung bid mo but why would you do that.
pwede i-finance. 50% down 50% remaining mortgaged to the selling bank. mostly short terms lang, 1-2 years terms. yes syempre pag mag loan ka ng car may chattel mortgage fee. plus insurance during the term of the loan. after full payment may chattel cancellation fee. and yes ikaw ang magpaparegister sa LTO. di lang simple registration yan, change of ownership ang required so be sure the bank has all the papers in order (meaning legit ang paghatak nila sa original buyer or else di mo matratransfer sa name mo).
get a very good mechanic. walang test drive dyan. you are just allowed to inspect the exterior, interior and engine. you are allowed to start the engine and go through the gears without moving. so di mo makikita kung may issues sa transmission (since hangang kambyo ka lang and not allowed to release the clutch pedal and brakes) at sa suspension. check the oil very well since sometimes previous owners sabotage the vehicle (putting rubbing compound in the oil then puncturing the oil filter so the engine gets damaged) or diluting the oil with kerosene. lalo na sa auto tranny super dali isabotage nun. if you do find a vehicle that seems to be in good order do still CHANGE ALL OILS AND FLUIDS to be sure. matagal na nakagarahe mga units na yan so atbthe very least may condensation na sa engine and tranny.Last edited by yebo; June 21st, 2017 at 09:29 PM.
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June 22nd, 2017 12:01 AM #3
Di ko kabisado process ng ibang bank dun lang sa isa. Anyways sa bidding, meron yan special at regular bidding. Yung mga units na dumadating ngayong gabi kinabukasan ng umaga around 8:30am to 10am pinapaspecial bidding yun meaning ang start ng bid is sa selling price usually kalaban mo dyan mga nag ba-buy n sell same day yan inaannounce kung sino bid winner. Yung mga units na hindi nakuha sa special bidding yun na yung mga regular bidding, start bid is floor price na and nakaschedule yung pag bid nun. As long as hindi pa awarded or sold ang unit pwede pa syang ibid. Pag cash mo babayaran parang until next day or may specific time na dapat fully paid na, if for financing naman reservation fee muna then apply ka ng loan. You must take also into consideration kung saan nakaregister yung unit as much as possible dapat hindi tumawid ng dahat dahil mahal ang cancelation and transfer nun. And also as is where is basis ang mga unit kaya dapat may kasama kang mekaniko or marunong tumingin
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Verified Tsikot Member
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- May 2017
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- 16
June 22nd, 2017 12:19 PM #4Ang laki naman ng 50% down. Required talaga na 50%?
Hindi pwede ung mga 30% lang?. Then ung mga LTO/mortgage/insurance. Aabot ng 200+ ang down for a 350k vehicle..
Thanks sa response guys..
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June 22nd, 2017 12:22 PM #5
^
Bakit ka pa bibili ng foreclosed ng banko?
Scan ka sa OLX, maraming Vios na binibenta. At least doon, sigurado ka na tumatakbo.
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Verified Tsikot Member
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- Mar 2017
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- 655
June 22nd, 2017 12:26 PM #6^
+1000, mag-allot ka na time para makahanap ng seller ng unit na gusto mo, at-least matetest mo ng mas thorough kasi pwede i-test drive. AFAIK yung sa bank bidding, hindi pwede itest drive yun. So medyo dehado ka pag na tiempohan ka na binaboy yung sasakyan nung previous may-ari bago mahila yung sasakyan.
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June 22nd, 2017 02:13 PM #7
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June 22nd, 2017 02:45 PM #8
Nag viber blast kanina iyong batchmate ko ng high school kung may mga interesado daw ba sa mga na-rimate ng maybank. Mukhang mag-auction na sila pretty soon
when you look into the abyss, the abyss looks into you
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June 22nd, 2017 04:26 PM #9
saan yan 20%? well sa psbank dati 50% dp. baka nagbago na ngayon. naniniguro kasi sila baka nga binaboy ng previous owner ang kotse at biglang tumirik palabas pa lang ng warehouse nila.
mas mura kasi bank repo kesa olx. sa olx bayad ka na sa owner tapos malamang assume balance pa.
but the risks are greater sa repo. hindi alaga sa pm (wala na nga pera yung owner kaya nabatak) o pinabayan talaga kasi alam na babatakin na. worst kung ginawan talaga ng kalokohan - kerosene in oil, acid/salt in the coolant, grit in the cv joint, etc. dapat dyan matalas mata ng mekaniko na kasama mo. at dapat may check list. any sign of sabotage walk away ka na.
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June 23rd, 2017 01:01 PM #10
always hit or miss pag dyan ka kukuha.. di mo alam kung ano ginawa nang owner bago nahatak nang banko.. mamaya sayo pa pumutok yung mga problema.. sakit sa ulo nyan..
ipon ka na lang and get brand new.. mababa na down and interest rates ngayon compared 5 or 10 years ago.. at least brand new.. may warranty.. no headaches for the next 3 years..
see my pahabol statement above. i mean, i can go on vacation anytime. but my spouse has her...
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