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  1. CLAVEL3699's Avatar
    CLAVEL3699
    CLAVEL3699 is offline THE MODerator
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    July 15th, 2011 07:18 PM #1
    what do u think about this?

    our company is giving 70-30. 70% sa company at 30% sa employee good for 5yrs contract at sa base price nang car kasi cash nila binabayaran.

    a little a year pala ako dito sa company namin but last december pa dapat ako bibigyan kaso idecline kasi sabi ko madami pa ako gastos...

    but october is past approaching and nakaline up nanaman ako for car loan...

    ayaw ko kasi kumuha unang una may pacar service naman ako hindi naman luma ang ginagamit ko 09 na toyota altis plus matatali ako sa kanila for 5yrs iniisip ko yung mga oppurtunity na baka may dumating na mas maganda.

    Maganda naman dito sa company ko ngayon, maganda sweldo, may yearly bonus up to 4months kung maganda performance mo plus mababait naman yung may ari.

    kaso may ambition pa ako. may hinahabol kasi ako na position at dito malabo ko makuha dahil nasa pinakadulo na ang position ko dito sa organization nila.

    ano sa tingin nyo?
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  2. _Qwerty_'s Avatar
    _Qwerty_
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    July 15th, 2011 07:27 PM #2
    hanggang magkano ang car loan?

    what happens after the 5 years contract? ano mangyayari sa car?
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  3. CLAVEL3699's Avatar
    CLAVEL3699
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    July 15th, 2011 07:39 PM #3
    Quote Originally Posted by _Qwerty_ View Post
    hanggang magkano ang car loan?

    what happens after the 5 years contract? ano mangyayari sa car?
    entitled ako up to 1.2M na sasakyan kung ano gusto ko... yung 30% pala binabayaran ko monthly for 5yrs. bawas sweldo

    after 5years akin na yung car... lipat na sa pangalan ko and entitled pa ulit ako kumuha nang another for 5yrs ulit.

    kung hindi ko naman matatapos yung 5yrs pwde mapunta sa akin yung car kaso kailangan ko bayaran nang full value... wala na yung 70% na dapat na sagot nila.
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  4. _Qwerty_'s Avatar
    _Qwerty_
    _Qwerty_ is offline COO - Child of Owner
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    July 15th, 2011 07:57 PM #4
    di na masama yun.. kung sa palagay mo naman mag stay ka pa dyan nang 5 yrs.. eh di kunin mo na.. that's like 6T a month lang.. may bago ka nang oto..

    after 5 yrs.. kahit benta mo na yung sasakyan nang 500T.. eh di balik lang yung binayad mo nang 5 yrs.. tumubo ka pa.. tapos kung nandyan ka pa din.. di kuha ulit nang bago..
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  5. CLAVEL3699's Avatar
    CLAVEL3699
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    July 16th, 2011 09:40 AM #5
    kaso may mga offers na nagsusulputan... kaya nagdadalawang isip ako.
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  6. CoDer's Avatar
    CoDer
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    July 16th, 2011 09:51 AM #6
    Don't get the car loan then since may target ka na mas mataas.
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  7. CVT's Avatar
    CVT
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    July 18th, 2011 08:29 AM #7
    Quote Originally Posted by CLAVEL3699 View Post
    entitled ako up to 1.2M na sasakyan kung ano gusto ko... yung 30% pala binabayaran ko monthly for 5yrs. bawas sweldo

    after 5years akin na yung car... lipat na sa pangalan ko and entitled pa ulit ako kumuha nang another for 5yrs ulit.

    kung hindi ko naman matatapos yung 5yrs pwde mapunta sa akin yung car kaso kailangan ko bayaran nang full value... wala na yung 70% na dapat na sagot nila.

    Masyado naman yatang hawa o unfair iyan bro....

    Dapat, pro-rated iyan,- like every quarter at most,- kasi nga retention ang tawag e.

    Hindi kapag nag-resign ka (kahit na 4 years na ang kotse),- sauli lahat ng 70% sa kanila?.... Swaps iyang kumpanya ninyo, bro. Not worth staying there...

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  8. CLAVEL3699's Avatar
    CLAVEL3699
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    July 18th, 2011 10:12 AM #8
    Quote Originally Posted by CVT View Post

    Masyado naman yatang hawa o unfair iyan bro....

    Dapat, pro-rated iyan,- like every quarter at most,- kasi nga retention ang tawag e.

    Hindi kapag nag-resign ka (kahit na 4 years na ang kotse),- sauli lahat ng 70% sa kanila?.... Swaps iyang kumpanya ninyo, bro. Not worth staying there...

    13.7K:faint:
    yun nga... napag usapan na namin mag asawa... hindi ako kukuha kasi kakatapos lang din namin bayaran yung car loan namin sa bank eto nanaman panibagong gastos.

    ok pa naman yun pinagagamit sa akin. magsusubmit na ako nang fillers kasi tinanong na ulit ako nung saturday nang boss ko.
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    July 18th, 2011 12:27 PM #9
    Quote Originally Posted by CLAVEL3699 View Post
    yun nga... napag usapan na namin mag asawa... hindi ako kukuha kasi kakatapos lang din namin bayaran yung car loan namin sa bank eto nanaman panibagong gastos.

    ok pa naman yun pinagagamit sa akin. magsusubmit na ako nang fillers kasi tinanong na ulit ako nung saturday nang boss ko.
    Oo nga bro. At kayang mong bumili kahit 2 pang sasakyan kahit anong oras na gugustuhin mo (hindi para matali sa isang kumpanya for 5 years... )...

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    huggybear
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    July 17th, 2011 11:45 AM #10
    In our company, some managers who opted to resign and go abroad, simply returned the car and they got a refund (depreciated of course) for your monthly installments
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  11. WeaponX's Avatar
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    July 17th, 2011 09:40 PM #11
    *Clavel,

    Kunin mo na lang akong kapalit mo dyan, then I'll get your car loan. hehehe
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  12. Jiggs
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    July 17th, 2011 11:47 PM #12
    wow...lucky naman nyo sa ganyan dilemma...Actually maituturing na yan na Company Car Plan...kse me participation ang company. Samin...yun talaga ang totoong Car Loan...kase as in pure loan talaga na 8% pa ang rate..diminishing balance nga lang...But as the bank rates now are low almost same na rin lang ang Eff. interest rate.
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  13. CLAVEL3699's Avatar
    CLAVEL3699
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    July 18th, 2011 10:09 AM #13
    Quote Originally Posted by WeaponX View Post
    *Clavel,

    Kunin mo na lang akong kapalit mo dyan, then I'll get your car loan. hehehe
    nabuhay ka!
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