Toyota Vios 1.3 E A/T GREAT DEAL???

[Mark Baquiran]

Ask ko lang mga sire kung ok ang deal na ito? This is from in house Toyota Financial Service.

Toyota Vios 1.3 E A/T Unit Cost = 762,000
Low Downpayment = 56,900 ALL IN (includes 1 yr free insurance with AOG, 3 yrs free LTO Reg, Free Chattel Mortgage, Rustproofing, Platinum Tint, Toyota Matting, Seat Cover, Keychain, Umbrella, Spare Tire and Set of tools and jack, 10L of Fuel, Early Warning Device, Free 1000 and 5000 PMS, Free Rain Gutter
Monthly Amorthization = 14,980 60 month

As of now yung low downpayment ang kaya ko bilang wala pa ako masyadong ipon plus the monthly amorthization of 15k is enough sakto lang di mababa di rin naman sobrang taas. More than 15k monthly amorthization baka di ko na kaya. I know mataas ang interest ng In House financing pero worth it naman ba since sobrang baba ng downpayment ko and with all freebies.

If I go naman with the bank i need to pay the whole 20% downpayment which is 152,400 plus need to pay the insurance and Chattel Fee since di daw yun free if I go straight to the bank.

Pahelp naman sirs!!!!

[Jeff2308]

Mas ok pa din sa bank de to low interest rate

[Mark Baquiran]

Mas ok pa din sa bank de to low interest rate

Thanks for the reply bro... But the question is how much do i need to pay for the downpayment?
Sabi nila dapat 20% downpayment.
Pero pwede ba na less than 20% ang daownpayment pero may sarile akong bank para less ang monthly amortization?

[Jeff2308]

Thanks for the reply bro... But the question is how much do i need to pay for the downpayment?
Sabi nila dapat 20% downpayment.
Pero pwede ba na less than 20% ang daownpayment pero may sarile akong bank para less ang monthly amortization?

Sir,

Kung kulang money mo pang dp pede na din yan sa inhouse but make sure you can manage the monthly amortization and think about others possible expenses like cat maintenance , personal expenses. First time car nyo to? By the way can you help me I'm new in tsikot forum and i cant seem to create a topic? Im using tsikot forum via app in ipad. Thanks

[Mark Baquiran]

Sir,

Kung kulang money mo pang dp pede na din yan sa inhouse but make sure you can manage the monthly amortization and think about others possible expenses like cat maintenance , personal expenses. First time car nyo to? By the way can you help me I'm new in tsikot forum and i cant seem to create a topic? Im using tsikot forum via app in ipad. Thanks

Yup first time car ko ito... Kaya iniisip ko iipon na lang muna ako ng mas malaki para sa dp, insurance at Chattel bago ako mag bank financing makakasave din kse ako ng halos 23% pag sa banko direkta based on my computations

Bago lang din ako boss.... Hahaha kanina lang ako sumali dito... Pero safari kse ang gamit ko kaya ako nakapagpost ng new thread... Try mo safari ang gamitin wag yung app nila.

[Mr.Roboto]

*mark

good day sir, tanong lang po kung saang branch po ng toyota kayo nag paquote and promo po ba sya, thanks

[Yuki13]

TS, visit multiple banks and dealers and show them the quote you have on hand. See if you can find a better deal.

IMO save up a bit more, dagdagan mo pang downpayment para mas mababa monthly mo.

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[kandule]

Sir,

Kung kulang money mo pang dp pede na din yan sa inhouse but make sure you can manage the monthly amortization and think about others possible expenses like cat maintenance , personal expenses. First time car nyo to? By the way can you help me I'm new in tsikot forum and i cant seem to create a topic? Im using tsikot forum via app in ipad. Thanks

+1 on this. It's you're car and its your choice of downpayment. We have to remember ng yung mga SA ang tumatawag sa bank at
at ngapapa approve at minsan ay gumagawa ng paraan kung may mga problema sa application mo. Also you can haggle with them para bumaba pa yung monthly mo. And tao rin sila , basic salary lang sila . they need your loans to be approved para kumita sila hehehe . I know an SA who also sidelines as a networker and beauty products agent .

[artsky]

Ask ko lang mga sire kung ok ang deal na ito? This is from in house Toyota Financial Service.

Toyota Vios 1.3 E A/T Unit Cost = 762,000
Low Downpayment = 56,900 ALL IN (includes 1 yr free insurance with AOG, 3 yrs free LTO Reg, Free Chattel Mortgage, Rustproofing, Platinum Tint, Toyota Matting, Seat Cover, Keychain, Umbrella, Spare Tire and Set of tools and jack, 10L of Fuel, Early Warning Device, Free 1000 and 5000 PMS, Free Rain Gutter
Monthly Amorthization = 14,980 60 month

As of now yung low downpayment ang kaya ko bilang wala pa ako masyadong ipon plus the monthly amorthization of 15k is enough sakto lang di mababa di rin naman sobrang taas. More than 15k monthly amorthization baka di ko na kaya. I know mataas ang interest ng In House financing pero worth it naman ba since sobrang baba ng downpayment ko and with all freebies.

If I go naman with the bank i need to pay the whole 20% downpayment which is 152,400 plus need to pay the insurance and Chattel Fee since di daw yun free if I go straight to the bank.

Pahelp naman sirs!!!!

add mo sir sa budget calculator mo the following:

1. Monthly gas expenses. I have the same model 1.3 AT and my gas allowance is about 4.5K/mo. Average to and from the office is 44kms.
2. Parking. Free case ko ito since may slot kami, if not, add this expense.
3. PMS fees. Labor lang ang free sa 1K at 5K. Consumable items are charged.
4. Car wash / wax.
5. Etc.

[999]

Ask ko lang mga sire kung ok ang deal na ito? This is from in house Toyota Financial Service.

Toyota Vios 1.3 E A/T Unit Cost = 762,000
Low Downpayment = 56,900 ALL IN (includes 1 yr free insurance with AOG, 3 yrs free LTO Reg, Free Chattel Mortgage, Rustproofing, Platinum Tint, Toyota Matting, Seat Cover, Keychain, Umbrella, Spare Tire and Set of tools and jack, 10L of Fuel, Early Warning Device, Free 1000 and 5000 PMS, Free Rain Gutter
Monthly Amorthization = 14,980 60 month

As of now yung low downpayment ang kaya ko bilang wala pa ako masyadong ipon plus the monthly amorthization of 15k is enough sakto lang di mababa di rin naman sobrang taas. More than 15k monthly amorthization baka di ko na kaya. I know mataas ang interest ng In House financing pero worth it naman ba since sobrang baba ng downpayment ko and with all freebies.

If I go naman with the bank i need to pay the whole 20% downpayment which is 152,400 plus need to pay the insurance and Chattel Fee since di daw yun free if I go straight to the bank.

Pahelp naman sirs!!!!

hi , my friend got his br new Vios 1.3E AT monthly is only 12k, I can share with you which bank he went to .