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Verified Tsikot Member
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- Mar 2009
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- 20
June 3rd, 2010 04:11 PM #1Hi Tsikoters,
I'm planning to buy a HONDA VTI-S 01-02 model thru bank financing. Wala pa po akong nakikitang kotse pero nagbigay po ng offer yung bank sakin ng ganun model at mejo mataas ng konti ang presyo. May mga questions lang po ako sa inyo.
1. May nai offer po silang car saken at ang price 380k. Lugi po ba ako dito? Pwede ko pa kaya tawaran yun?
2. Ang kinakatakot ko po baka po repossesed car yung binigay nila saken. Paano ko po malalaman na repo car yun?
3. Ito po computation na binigay nila saken:
AMOUNT FINANCED: P220,000.00
AMORTIZATION: P8,800.00
TERM: 36 MOS.
CHATTEL MORTGAGE FEE: P12,372.00
INSURANCE PREMIUM: P 16,784.00
Ok na po ba?
4. Kung mag cash loan na lang po kaya ako sa mga banko at bilhin ko ng cash? let's say loan ako ng 220k + 100k from my pocket. Tingin nyo po?
Thanks,
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June 3rd, 2010 04:26 PM #2
whew, parang maghuhulog ka rin nang brand new ah, and take note, 2001 model ang gusto mo, bukod sa monthly na hulog mo, madami nang maintenance issues iyan. dagdagan mo nalang nang kaunti budget mo, then go for a brand new.
para saan ba gagamitin? why civic?
for me, I'll go for a brand new Hyundai i10 or Suzuki Celerio nalang, stretch budget nalang kaunti pa from 380k to 500k.Last edited by p_borj; June 3rd, 2010 at 04:30 PM.
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Verified Tsikot Member
- Join Date
- Mar 2009
- Posts
- 20
June 3rd, 2010 05:15 PM #3
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June 3rd, 2010 08:02 PM #4
i have a '03 vti-s. nice car.
nung binili namin couple years ago ang presyo nya nasa 350++.
so right now, baka mas mababa na, lalo pa't 01 model.
parang ok naman yung presyo sayo ng bangko, though. 320k will get you some fine examples na fresh. mag set aside ka ng mga 30K for various repairs. there is no such thing as a 2nd hand na "sasakyan na lang".
yun lang... good luck sa pagbili. magandang kotse mga civic of this generation.
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