mazda 3 deal question

**angeliech** · August 6th, 2009 02:12 PM

hi!

just recentlly bought a new mazda 3 2009 1.6l at. got the unit at 100k dp and 16,700 monthly payable in 5 years. according to my SA, we can change the contract to a lower number of years, say 3 years para mas mababa yung interest. input please?

tingin niyo oks na yung deal na nacommit ko? know na late na at ngayon pa ko nagtanong. hehe. gusto ko lang malaman if normal lang yung rate na bigay saken. nakalagay kasi sa invoice almost 49% yung interest.

tia!

**angeliech** · August 6th, 2009 02:14 PM

fyi nasa 850k yung total price ng unit

**mda** · August 6th, 2009 03:14 PM

If you can afford it, shorten the interest period (para lower rate din).

Ganun ba ka-baba yung interest ng casa na hindi kayo kumuha sa banks?

I think normally mataas kasi yung interest rate ng casa compared sa mga banks like BDO, BPI, etc.

**jeDi13** · August 6th, 2009 03:39 PM

from 850K to 1.102M, ang mahal. 152K mo, napunta lang sa interest. cash basis pa rin talaga maganda, pero pag hindi mo naman kaya yung ganung method, walang ibang way kundi mag-resort sa loans. kung kaya mo mag-3 years lang instead of 5 years, better. pero kung hindi mo kaya magiging monthly mo pag 3 years na ang loan, then no choice but to stick with the 5 years loan.

**angeliech** · August 7th, 2009 10:24 AM

thanks sa replies.

through bank financing din po yan (psBank) pero ung SA ang nagsubmit ng loan application. hmmm. i guess kelangan ko na lumipat ng trabaho para tumaas naman sweldo ko.

i'll see if i can shorten the term to 3 years.

**boi_silip** · August 10th, 2009 07:00 AM

hi!! that's a good question.

well, for me, my plan is to lend a money for 500k on rural bank which offered only a 5% per annum 25k em i right for additional support? then buy ako in-cash mazda 3 hatchback. which i can pay for 1 yr sa loan ko sa bank. so kung 895k ang mazda? lalabas 525k lang ang babayaran ko sa bank in the whole year total ng liabilities ko sa car. which is mababa lang ang rate.. take note!!!

it was rural bank of kalookan. please dont ban this post. im sure makakatulong ito sa mga nangangailangan makatipid sila. nice idea right??? instead sa car financing sila kumuha, tatagain ka sa interest kahit libre lahat ang LTO, mortgage and insurance.... parang binayaran mo rin ng buo. ang lahat... niloko ka pa... kung marunong kang mag estimates ang cost... alam mo na kung bakit siya libre. compared sa cash term.

its a big help im sure....

**lamborghinione** · August 10th, 2009 01:20 PM

Originally Posted by boi_silip

hi!! that's a good question.

well, for me, my plan is to lend a money for 500k on rural bank which offered only a 5% per annum 25k em i right for additional support? then buy ako in-cash mazda 3 hatchback. which i can pay for 1 yr sa loan ko sa bank. so kung 895k ang mazda? lalabas 525k lang ang babayaran ko sa bank in the whole year total ng liabilities ko sa car. which is mababa lang ang rate.. take note!!!

it was rural bank of kalookan. please dont ban this post. im sure makakatulong ito sa mga nangangailangan makatipid sila. nice idea right??? instead sa car financing sila kumuha, tatagain ka sa interest kahit libre lahat ang LTO, mortgage and insurance.... parang binayaran mo rin ng buo. ang lahat... niloko ka pa... kung marunong kang mag estimates ang cost... alam mo na kung bakit siya libre. compared sa cash term.

its a big help im sure....

Ayos to a! 5 percent per annum lang interest? Ilang years ba ang maximum? 3, 5, or 6 years?

Laking tipid nga to pag walang hidden costs/or charges!

**boi_silip** · August 10th, 2009 08:48 PM

Originally Posted by lamborghinione

Ayos to a! 5 percent per annum lang interest? Ilang years ba ang maximum? 3, 5, or 6 years?

Laking tipid nga to pag walang hidden costs/or charges!

as long as binabayaran mo ung interest nila. wala na silang paki kung babawasan mo ung inutang mo tlga sa bangko... kung may pang collateral ka.
hehhehe....

**hench7** · August 11th, 2009 07:29 PM

To TS/Angelich,

May I know kung ano model ng Mazda3 ang kinuha nyo?

Got a quote for 150K as DP and almost 18K monthly for 5 years...I feel masyado mataas...

**boi_silip** · August 11th, 2009 08:13 PM

sorry pero wla pa akong binili. kaya im very thankful at may ganito. at least informed ka before you buy a car. hirap na kasing makipagsapalaran ang pera ng ganun kalaki tapos madidis-appoint ka sa huli. sayang lang. pero solid na mazda 3 na ang bibilhin ko mga bro. salamat sa tsikot.