*diyowell: Wow, you are from La Union. Our province is also in La Union, sir.
PMS cost - It is not yet in the market so no one knows yet the actual PMS cost. But since its engine is almost identical to the 4JJ1 engine, it shouldn't cost much.
Buying cash is advantageous to the buyer since you will not pay for any interest. If you can, avoid those low DP and 5 years to pay coz by the time you have fully paid your vehicle, you have paid hundreds of thousands for interest already. For me, 1 year is long enough.
Take note that loan is not all that negative. It also depends if you will go via bank PO or in house financing. If you have a good relationship with your bank and they know your financial capacity, you can get approved right away. It is also better if it's bank PO since they give lower monthly rates. On the other hand, if you think you will have a hard time getting approved by your preferred bank, better go via in house financing since your chances of getting approved are higher. The negative side is the monthly rates are higher. That's why if you will avail of the in house financing, you will make your dealer happy thus you will be prioritized most of the time, so if you are in a hurry to get a unit, you can acquire faster as those who paid in cash. Iuuna ka nila sa pila.




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