Sasalo ng Assume Balance

**brainmafia_310** · July 18th, 2013 02:56 PM

Originally Posted by soyuz1234

Ok lang po saken ang cash out maximum 50 at in many gives po sir

Mga 4 gives daw.

Vios E 2012 M/T

Talo ka boss kung may cash out. Kung 2012 1.3E. Pre facelifted version pa ata yan. Pwede yan walang cash out tuloy mo lang.

It works two ways kung walang document. Hindi ka magbayad hahanapin kotse sa kanya. Mabayadan mo baka siya magclaim at demanda ka carnapper. Kaya ang ineexecute dyan sa pagkakaalam ko is either MOA or deed of whatever parang conveyance.

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**shadow** · July 18th, 2013 02:57 PM

Originally Posted by soyuz1234

Salamat po sa replies.

Ganito po kasi situation ko mga sir. Hindi po talaga ako papasa sa C.I. Kasi homebased employee lang ako at may pa sideline sideline.Pero sure na po na may pang monthly ako pero hindi lang talaga ako papasa sa requirements ng bank. Una wala akong maipakitang COE, ITR, Proof of income.

Chance ko lang po talaga ay ang sasalo ng assume balance. No chance po talaga ako sa brand new. At kukuha daw kasi sya ng pick-up sa ibang banko kelangan nya mag upgrade for business. Sabi nya, kesya mahatak kotse at masira credit nya kya na inoffer saken.

Yung 50k na hinihingi nya is hindi po yun full.Sabi nya, pwede pa 15k, 10, 10. 5..... at 10 months nya na rin po nabayaran monthly yung sasakyan. Ako mismo ang mag hulog sa bank ng monthly. Ano po kaya ang magandang kasulatan acnoledgement note po kaya?

huwag na! paaply mo na lang asawa mo, parents mo or kung sinong close relatives mo tapos ikaw na magbayad...mahirap yan kahit meron pang MOA

**_Cathy_** · July 18th, 2013 02:58 PM

Yup dapat malinis. Maraming nagkaka sira dahil sa pera.

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**Manilablock** · July 18th, 2013 03:03 PM

Originally Posted by soyuz1234

Ganito po kasi situation ko. Hindi po talaga ako papasa sa C.I. Kasi homebased employee lang ako at may pa sideline sideline.Pero sure na po na may pang monthly ako pero hindi lang talaga ako papasa sa requirements ng bank. Una wala akong maipakitang COE, ITR, Proof of income.

Chance ko lang po talaga ay ang sasalo ng assume balance. No chance po talaga ako sa brand new. At kukuha daw kasi sya ng pick-up sa ibang banko kelangan nya mag upgrade for business. Sabi nya, kesya mahatak kotse at masira credit nya kya na inoffer saken.

Yung 50k na hinihingi nya is hindi po yun full.Sabi nya, pwede pa 15k, 10, 10. 5..... at 10 months nya na rin po nabayaran monthly yung sasakyan. Ako mismo ang mag hulog sa bank ng monthly. Ano po kaya ang magandang kasulatan acnoledgement note po kaya?

Ikunsulta mo na sa lawyer, since gagawan nyo din naman ng deed of sale at ipa-notary well as let the lawyer draft it.

Attractive nga ung offer ng friend mo na hulugan ung 50K, at halata naman na gusto mo din.

Pero looking into the advise of the other TS, mag canvas ka sa mga 2nd hand auto exchange at pa compute mo magkano ang DP at monthly mo kunwari mag loan ka sa bank. Siguro naman kung magtatanong ka ng price e qualified ka.

Kung kukuha ka ng 2nd hand sa iba vs ung offer ng friend mo, then decide.

**Lew_Alcindor** · July 18th, 2013 03:05 PM

madaming pagkakaibigan ang sinira ng pera. pwede mo naman yan tanggihan.

mag-ipon ka na lang at bumili ng sarili mo.

**black ice** · July 18th, 2013 03:21 PM

baka in the end nyan sir nawalan ka ng kaibigan, pera at kotse..

**niky** · July 18th, 2013 03:31 PM

2012 1.3 E. Should be around 500k cash if you buy it secondhand yourself. Yes, some people advertise higher, but they're delusional... who's going to buy one for over 550k when the brand new one starts at 580?

At 13k per month plus 50k, you're paying 674k... (assuming he's already paid 12 months). Not a great deal.

Merely assuming the balance... period... with no down... is fair. That puts you at about 6% a year in amortization. Roll the 50k in and you're at about 8.7% in amortization.

**c_cube** · July 18th, 2013 03:32 PM

"Money is the root of all evil"

**brainmafia_310** · July 18th, 2013 04:07 PM

Originally Posted by niky

2012 1.3 E. Should be around 500k cash if you buy it secondhand yourself. Yes, some people advertise higher, but they're delusional... who's going to buy one for over 550k when the brand new one starts at 580?

At 13k per month plus 50k, you're paying 674k... (assuming he's already paid 12 months). Not a great deal.

Merely assuming the balance... period... with no down... is fair. That puts you at about 6% a year in amortization. Roll the 50k in and you're at about 8.7% in amortization.

very well said.

ang importante lang dyan may dokumento na signed niyong dalawa at nagkakaintindihan kayo. nagkakatalo lang naman yan sa mga clauses like as is where is basis, indemnity and etc.

pero isa ang sigurado diyan, pag tinuloy mo iyan at nagkapirmahan kayo kahit sa math notebook ng anak mo ok pa din yan, lalo na kung may notaryo. pwede ka din humingi ng resibo (in the form of ledger, like paying rent) sa kanya everytime na maghuhulog ka to prove na ikaw mismo nagbayd ng MA. pero yun nga MOA or Deed of whatever ultimate solution diyan.

**soyuz1234** · July 18th, 2013 07:07 PM

Thank you mga sir. Very enlightening ang lahat ng mga sagot. Mukhang babargain na lang ako sa 50k na hiningi nya. At bibili din ako ng Math notebook :D. MOA and Agreement of conveyance or whatever na tawag dyan. Lalapit na rin ako sa Abogado. Actually may mags daw kasing kasama at 8k a piece ang paka bili nya. Titignan ko na lang po. Try ko mag upload ng pic pag nakuha ko na.

Salamat po ulit.