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December 20th, 2012 05:26 PM #1701
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December 20th, 2012 05:35 PM #1702[QUOTE=inov8;2061076]ram angle did mention it - "v".
I did not notice it at first because it was in small letter. Sorry "old" na hahaha
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December 20th, 2012 05:41 PM #1703sir, afaik, the 3% DI is add-on to your Bank Interest rate for the car loan. for example, your bank quoted you a rate of 10% rate for 3 years, then effectively, it would be 13% rate for 3 years. in monetary amount, your Bank Loan Officer can give this to you. just to give a sample: say the SRP of P1.7M for the 4x4, with 20% DP, the loan amount would be P 1,360,000. At 10% for 36 months, the monthly payment would be P41,555.56. But with the 3% DI, the rate would be 13% and the monthly payment would be P42,688.89 or a difference of P1,133.33 per month, at 36 months, that's 40,799.84 into the pocket of your SA and his Manager.
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December 20th, 2012 05:52 PM #1704
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December 20th, 2012 05:56 PM #1705
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December 20th, 2012 06:23 PM #1706
[quote=Happyart;2061083]\
ha ha. forgot to wear the reading glass
I already have a reservation- Greenhills, my target is Jan-Feb next year, hopefully medyo normal na situation by then.
The reason I asked re 3% DI is bec I kept on reading the same on this forum. I asked the bank manager earlier and it
seems that is the norm for financing, though she said the 3% can be negotiated. It is my belief that not only the SAs
benefited from this but the bank's rep as well. You're right that the reason we never take note of this is because it is
already integrated with the interest rate given by the bank.
BTW, metrobank gave me 15% for 36% mos.
*yourman_2nd, thanks for your inputs.
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December 20th, 2012 06:28 PM #1707tfort v trim will not really compete in fc with the tb and monty considering it is alltime 4wd. it will always be more thirsty
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December 20th, 2012 06:29 PM #1708
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December 20th, 2012 06:49 PM #1709[QUOTE=inov8;2061113]Maybe the reason you have been reading it in this forum because the dealers give allocation priority to in-house financing buyers than the others. It is understandable because many (bank, dealer/SA/Insurance representatives, accessories suppliers, etc) will benefit from the commissions. Legal din naman ang commissions.
When the supply of the units is enough hahabulin na ang buyers ng mga SA. Hope you will have your unit next year!
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December 20th, 2012 07:03 PM #1710You are right sir. We cannot directly compare FC for these brands since the specification is different. My thought is that normally in our road systems (asphalt, concrete, gravel), we don't need a four wheel drive. The four wheel drive is only needed off-road like grassland, sand, loose soil, etc. My feeling is that we don't need an all-time four wheel drive as it will only add to fuel consumption. The TBZ LTZ is drive normally 4x2 (rear wheel drive) but when needed can be electronically shifted by a knob to 4x4, even when driving at 120km/hr. In the owners manual of TBZ it is not recommended to shift to 4x4 on paved roads. Maybe in the sand dunes of Ilocos we can shift to 4x4.
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You are right sir. We cannot directly compare FC for these brands since the specification is different. My thought is that normally in our road systems (asphalt, concrete, gravel), we don't need a four wheel drive. The four wheel drive is only needed off-road like grassland, sand, loose soil, etc. My feeling is that we don't need an all-time four wheel drive as it will only add to fuel consumption. The TBZ LTZ is drive normally 4x2 (rear wheel drive) but when needed can be electronically shifted by a knob to 4x4, even when driving at 120km/hr. In the owners manual of TBZ it is not recommended to shift to 4x4 on paved roads. Maybe in the sand dunes of Ilocos we can shift to 4x4.
Choice I would have made as well.:nod:
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