Results 3,131 to 3,140 of 4415
-
March 20th, 2013 02:55 PM #3131
I think you have a good point here sir though I think it's also a factor of the pupil adjusting to the change in brightness. The driver's pupils would constrict because of the light coming in from the untinted winshield while he's looking up front, so when he looks at the tinted windows at the sides, his eyes would need a few seconds to adjust pa sa darkness. This then gives the impression that the tint is too dark.
This effect is similar to when you go inside the movie house, madilim sa simula pero if you stay inside for a few minutes, di na siya ganun kadilim. Nakapag-adjust na kasi mata.
-
Verified Tsikot Member
- Join Date
- Jan 2013
- Posts
- 29
March 20th, 2013 03:36 PM #3132
-
Tsikot Member Rank 2
- Join Date
- Jul 2006
- Posts
- 3,376
March 20th, 2013 04:37 PM #3133PNB is following the law I guess. The 9.94% per annum for 3 years that PNB gave us before is the Effective Interest Rate or EIR. We added 2% to that rate for the 3% D.I. since every interest rate banks quote us already includes 1% D.I. The rate you posted is the OMA or One Month Advance rate, which banks should not supposed to use anymore as per BSP Circular No.730 issued last July 2011. The BSP circular mandated banks to use the Effective Interest Rate.
Links to BSP circular:
Bangko Sentral ng Pilipinas - Banking Supervision
BSP:*Stricter Truth in Lending Act guidelines now in effect | Economy | GMA News OnlineLast edited by numbah5; March 20th, 2013 at 04:40 PM.
-
Verified Tsikot Member
- Join Date
- Jan 2013
- Posts
- 29
March 22nd, 2013 09:02 AM #3134Thanks Numbah5 for above and you're right that's OMA rate but I think banks offering below what was stated is to encourage more consumers. Malaki kasi ang diperensya, so thinking at this time to shift back to Fortuner 3.0 (currently with discount) and will wait for TB 4x2 a/t w/o in-house.
So most current owners now of TB acquired their unit thru dealer's in-house financing? This is just to have an idea.
Sinasadya kayang ibitin ang supply so that dealers can demand?
Remember in 2005-2006 wherein there's a big demand for Fortuner that the units were usually arrived in one car ship that almost filled the whole Batangas port. Sa TB raw ayon sa mga dealers ang dinadala sa kanila 2 to 4 units lang and after April e baka June na ang kasunod.
-
Tsikot Member Rank 2
- Join Date
- Jul 2006
- Posts
- 3,376
March 22nd, 2013 09:10 AM #3135
-
Tsikoteer
- Join Date
- Mar 2013
- Posts
- 6,160
March 22nd, 2013 02:09 PM #3136I didnt get mine through any financing. Straight company PO.
The OR/CR will be delivered maybe after Holy Week pa so by then I should join the ranks of TBZ owners.
-
Tsikot Member Rank 2
- Join Date
- Jul 2006
- Posts
- 3,376
March 22nd, 2013 02:29 PM #3137Most of the TrailB owners here have paid through bank PO AFAIK. It's only albert_b and EQAddict who paid through company PO. zephyro90 paid through inhouse financing. I paid through bank PO naman. I haven't seen any posts here na bumili ng TrailB using cash
My TrailB is due for its 1st PMS na. This tuesday I'll bring it to Chevy Quezon Avenue for PMS.
-
March 22nd, 2013 02:47 PM #3138
-
Verified Tsikot Member
- Join Date
- Dec 2012
- Posts
- 185
March 22nd, 2013 02:57 PM #3139I also paid in cash for my TrailB, but the dealer in Makati has closed shop.
-
March 22nd, 2013 03:18 PM #3140
Good for you walang hassle, smooth sailing, If Iam not mistaken meroon ka na ring LTO plate ? Im still waiting for my OR/CR, I was told na next week lalabas sa akin but I doubt it dahil the work phase of the govt. & private offices will be very very slow due to Holy Week Blues.
Be careful with channels like "China Observer" on YouTube. There is a clear bias in their posts and...
Xiaomi E-Car