car loan or finance.. am i gonna be approved :(

[kevinretuya]

im 22 and im more than a year sa work ko.. my salary a month 20k ish and my take home pay is like 18k a month... i dont have no one to support and i think im ready for a car loan or a finance...

am i going to be approved? if yes can you tell me wich bank or what company to go to

thank you so much...

[lui]

maganda po kung may co maker kau sir

[kevinretuya]

if i have one do you think i will be approved? kc i think i can ask my uncle or someone to be my co maker..

[Isuzoom]

Do you have a savings account? ask your bank and I'm sure they will approve your application as their existing client.

[dale323]

if i have one do you think i will be approved? kc i think i can ask my uncle or someone to be my co maker..

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Yup! kaya na yan. Also, sa inhouse financing mas madali maapprove. Just ask your Sales Advisor for his best price.

[kevinretuya]

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Yup! kaya na yan. Also, sa inhouse financing mas madali maapprove. Just ask your Sales Advisor for his best price.

thanks! ^_^ whats inhouse financing im very new to all this im sorry for asking to much questions... what do you think are the requirments too...

[dale323]

thanks! ^_^ whats inhouse financing im very new to all this im sorry for asking to much questions... what do you think are the requirments too...

in house financing, ung dealer na ang kausap mo regarding financing. Sila maghahanap sayo ng bangko. 2 Valid ID, COE, BIR form. un lng. Mas mahal nga lang yun kumpara mo sa direct to bank application pero at least menos trabaho. Also, kadalasan, ung freebies mo, pwede mo paramihin dhil in house ka. Also, advise ko sayo, kuha ka ng co-maker para pwede mo paliitin ung term (from 5 to 3years n lng). Mas maliit ang interes pag mas maikli ung term.

[Robenson]

im 22 and im more than a year sa work ko.. my salary a month 20k ish and my take home pay is like 18k a month... i dont have no one to support and i think im ready for a car loan or a finance...

am i going to be approved? if yes can you tell me wich bank or what company to go to

thank you so much...

Read this, it may help you decide

http://panyero.wordpress.com/2009/12...my-car-part-1/

[kihtmaine]

im 22 and im more than a year sa work ko.. my salary a month 20k ish and my take home pay is like 18k a month... i dont have no one to support and i think im ready for a car loan or a finance...

am i going to be approved? if yes can you tell me wich bank or what company to go to

thank you so much...

18k? at 22? sa inhouse? hanap ka ng co maker mo.

Ihanda mo na rin ang itr, 2 valid id, coe mo, and of course ang pdc (post dated checks meron ka ba nun?).

Ang usually madaling ma approve ang take home ranging from 50k pataas at kumpleto sa requirement.

Interest rate sasabihin ba sa iyo ng ahente kung inhouse ka?

Magkano ba ang down mo? if ever?

[daimengrui]

Kinda risky... You should put a bigger cashout upfront. Say 40-50% then opt for a longer paying period 5 yrs. I have a friend who did that and got a Vios and is paying like 7k a month. His co-maker is his wife.