Will I get approved on a car loan?

[ninjababez]

Huwag mong ipilit kung hindi pa talaga kaya. Hindi natatapos sa down payment at monthly payment ang sasakyan. Trust me yan pa ang pinaka madaling pproblemahin mo dyan. Gripo ang gastos sa:

Gas
Maintenance
PARKING - matindi to
Mandatory yearly Insurance
Registration & time
Aksidente o Violations na magagawa mo,
at eche burecheng ilalagay mo sa oto mo.

Kung lahat yan may nakatabi kang nkahanda kada buwan, ituloy mo. Pero kung yung monthly pa lang maiipit ka na, hindi tatagal ng 6mos yan hahatakin na yang oto mo. Lahat ng hasel at pera na nilabas mo dyan, sunog at mag aantay ka ng 10 years para maka loan ulet. Pagisipan mo ng mabuti ...

same advice binigay ko sa young couple sa office. buti nakinig naman sila, may plano pa ipa-grab daw sa relative. sinabi ko nalang, kung willing kayo magbayad monthly ay bigyan nalang allowance yun relative eh mas maliit pa ikasasakit ng ulo nila [emoji28]

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[sirkosero]

I suggest wag pilitin ang hindi kaya ng bulsa.

Gumasta at mamuhay ng naayon sa kakayanan kumita. Otherwise, hatak agad yan.

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[shadow]

Bakit hinde ma- approve ng car loan pag BPO agent? Is it not a real.job? Dapat yun partner mo na lang nag apply. Since malaki naman sweldo sabi mo., You're not telling the whole story.


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[Little Missy]

Bakit hinde ma- approve ng car loan pag BPO agent? Is it not a real.job? Dapat yun partner mo na lang nag apply. Since malaki naman sweldo sabi mo., You're not telling the whole story.


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May reputation ata ang mga taga BPO na hindi nagbabayad. I first heard that dati about credit cards. Hindi daw naaapprove pag taga BPO.

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[shadow]

May reputation ata ang mga taga BPO na hindi nagbabayad. I first heard that dati about credit cards. Hindi daw naaapprove pag taga BPO.

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Diba case to case yan? Wala sa industry nasa financial history ng applicant.


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[Yatta]

Bakit hinde ma- approve ng car loan pag BPO agent? Is it not a real.job? Dapat yun partner mo na lang nag apply. Since malaki naman sweldo sabi mo., You're not telling the whole story.


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Hindi naman sa hindi nagbabayad. BPOs are notorious for high turn-over of employees, coming and going. Bihira ang nagtatagal so banks are wary.

Yung officemate ko, his plantilla is a driver pero, sa kanya nakapangalan ang brandnew City ng anak niya na sa call center nagtatrabaho.

[sirkosero]

Bakit hinde ma- approve ng car loan pag BPO agent? Is it not a real.job? Dapat yun partner mo na lang nag apply. Since malaki naman sweldo sabi mo., You're not telling the whole story.


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Mataas kasi turnover and attrition rates ng mga agents. Like nagapply nasa bpo1 pero nung naapprove nakalipat na sa bpo2. Nung nagdefault either nakalipat na ng ibang bpo or nairelocatr na sa ibang site.

Ngayon allowed na ang bpo sa loans pero mas mataas ang interest and may mga job titles na allowed provided may certain job tenure

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[chronicle]

Yang di maapprove kasi bpo, lumang storya na yan.
May mga kilala ako nasa bpo nag tratrabaho approved naman kaagad.

Malamang maraming utang sa banko kaya nung na CI, failed.

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[ninjababez]

Yang di maapprove kasi bpo, lumang storya na yan.
May mga kilala ako nasa bpo nag tratrabaho approved naman kaagad.
Malamang maraming utang sa banko kaya nung na CI, failed.
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dami naman talaga kasi bro sa totoo lang
sama mo na yung boss ng mga boss dito ... 100k lang pala utang sa citibank noon agent pa sya, di parin parin binayaran kahit milyonaryo na.

[Little Missy]

May ganun ba. Magbibigay ng DP kahit wala pa yung unit. 2x ko pa lang naexperience kumuha ng kotse, nagdown kami the same day nagpirmahan ng docs at inuwi yung unit.

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[dr. d]

May ganun ba. Magbibigay ng DP kahit wala pa yung unit. 2x ko pa lang naexperience kumuha ng kotse, nagdown kami the same day nagpirmahan ng docs at inuwi yung unit.

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sometimes, kasalanan ng SA yan.
hihingi ng DP, knowing all the while that the car is still in the foreign pier, waiting for the barko to bring him here.

"first rule of selling: get the costumer to hand over his money. then he can spin all sorts of fairy tales to explain why the car hasn't appeared yet..."

[L1quid]

worst case scenario... goodbye 50K

Yung 50k ata yung kunwaring sahod. Wala sinabi magkano inabot kay SA.

Yang di maapprove kasi bpo, lumang storya na yan.
May mga kilala ako nasa bpo nag tratrabaho approved naman kaagad.

Malamang maraming utang sa banko kaya nung na CI, failed.

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Agree, wala kinalaman yung pagpasok nya sa BPO dyan, likely may sablay sa credit history kung dinedecline.

May ganun ba. Magbibigay ng DP kahit wala pa yung unit. 2x ko pa lang naexperience kumuha ng kotse, nagdown kami the same day nagpirmahan ng docs at inuwi yung unit.

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Baka reservation lang ibig nya sabihin.

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[shadow]

I don't buy it. Nowadays, getting a car loan is as easy as applying for a credit card.




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[dr. d]

I don't buy it. Nowadays, getting a car loan is as easy as applying for a credit card.




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it's easy, if one has the necessary background / wherewithal.
i bet, you and i and others here, have declined more than twice, their offers.

some years ago, if the daily broadsheets and other news-casting sources, are to be believed, there was a rash of rematadoes. the rematado car lots were overflowing.
it was traced to "leniency of the loan companies".
i like to think, they haven't forgotten the lessons of the past.

[_Qwerty_]

mga taga BPO nga ang mabilis ma approved sa car loan.

hindi ka lang ma a approved kung ka start mo pa lang or wala ka pang 6 months sa BPO, otherwise, wala dapat problema kung may apply ang wife mo.. wag maniwala sa mga sabi sabi..

and bakit ka agad nagbigay nang down? lalabas mo na ba yung unit? Only give the DP same day na ilalabas mo yung unit.. pag walang unit walang DP tapos ang usapan.

[Little Missy]

mga taga BPO nga ang mabilis ma approved sa car loan.

hindi ka lang ma a approved kung ka start mo pa lang or wala ka pang 6 months sa BPO, otherwise, wala dapat problema kung may apply ang wife mo.. wag maniwala sa mga sabi sabi..

May officemate ako 3 months pa lang samin, tapos salary range sa job grade niya 19-22K basic, naapprove for a Wigo.

On the other hand, yung kapatid kong mas may pera sakin hindi maapprove kaya yung car niya ngayon ako ang nagloan. I think it has something to do with her credit history.

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[CVT]

Kumbinsihin ninyong maging Guarantor si bro.shadow.

Siguradong approved kayo....😁

May libre pang balikutsa....😄

[CVT]

May officemate ako 3 months pa lang samin, tapos salary range sa job grade niya 19-22K basic, naapprove for a Wigo.

On the other hand, yung kapatid kong mas may pera sakin hindi maapprove kaya yung car niya ngayon ako ang nagloan. I think it has something to do with her credit history.

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IMO, that's a stretch for your officemate.

Unless he has deep pockets to start with....

[shadow]

May officemate ako 3 months pa lang samin, tapos salary range sa job grade niya 19-22K basic, naapprove for a Wigo.

On the other hand, yung kapatid kong mas may pera sakin hindi maapprove kaya yung car niya ngayon ako ang nagloan. I think it has something to do with her credit history.

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Nag default ba kapatid mo sa CC dati? Meron dahilan yan bakit denied sa loan.


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[dr. d]

May officemate ako 3 months pa lang samin, tapos salary range sa job grade niya 19-22K basic, naapprove for a Wigo.

combined siguro with another person yung salary niya, kaya na-approve.
twogether, kaya na.
kung 22K lang ang total income, that would be a huge gamble by the bank.