well, tiny bump lang naman, hehe... actually, all i need lang naman is around 50-100T to get me restarted... deym di pala dapat 100% ang tiwalang ibiigay mo sa kamaganak mo, particularly sa kapatid mo. grabe.... naisip ko lang din i-cash out tong xtrail kasi medyo may kalakihan na daily expenses ko...alam naman natin gaano katakaw to sa gas and its been 7 years na din... actually, its hard na for me to get a personal loan after ng ginawa ng kapatid ko, lahat kasi ng suppliers ko iniwanan nya ng malaking atraso, to the point na kailangan ko maghanap ng bagong suppliers...bahala na siya..

i personally prefer the non-collateral loan...minimal-moderate lang risk na to....wag naman sa bumbay/individual na nag-papa-5-6, terest dyan!talo tayo sa in

risks sa bawat options that i have considered are:

option 1: using my xtrail as collateral would give me a bigger buffer especially this time of the year, and i could restock atleast 1/4-1/3 of what i am stocking again. tsaka mas mura interest ng colateral loan than non-collateral.. its a good option for me, with moderate to high risk. factoring in pa ang regular maintenance ko sa sasakyan since 7-year old na ito. yearly registration, possibly comprehensive insurance... i-include pa ung daily needs particularly, fuel costs. maganda lang nito, up to 2-years lang, un nga lang nasa 20t din ang monthly amortization depende pa ang value/amount to be loan sa mag-assess ng sasakyan..pero i think it will go 200-300T. as i know, 9-10%pa ang interest ng ganito.

option 2.1: selling my xtrail would give me a wider amount for restocking, but still limited to 200-300thou depending sa sold price ng xtrail and aquisition cost ng used ride.. wala na nga lang ako iisiping mo. amort. sa option na ito..so lahat ng maiipon ko, maitatago ko na....and wait until i could afford to buy a new ride (probably a t31 4wd or a livina elegance RM) * 50% down, 0% interest as much a possible..but 5-year option is also cosiderable. i would consider this nga a low-risk factor..kailangan lang makahanap ng best unit that fits in my budget and needs.

option 2.2: if i will execute this option, b-new subcompact cars/mpvs are offered at atleast 150T-below down.. so usable amount ko for business, may vary from 300-400t. enough to half-fill my my stocks and leaving a good buffer amount on my bank. brand-new car financing has much cheaper interest rate than refinancing a used vehicle din but this has a high risk factor: di lang monthly amort. ang problem ko, consider in the 4th and 5th year registration (5T p.a), 4-years comprehensive w/ AOG(30-40T p.a.) and PMS costs. considering also that i would be paying a total of 37-40% interest for the entire 5-year term kaya as much as possible, less than a million kasi atleast 800-900T ang amount to finace ko, which translates to atleast 1.2M ung financed amount at end of term. thats why monthly amort. ko ay maglalaro sa 20-25T... this is straight computation..pero kung may promo isang dealership, i would factor that in...like sa nissan: livina offered at low down may months pa na di mo babayaran..plus discounts pa... good factor lang nito, bago ang sasakyan ko, and will definitely for keeps na...aba laki ng hirap ko noh...

hope may makacontribute pa...need more advices...