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  1. Join Date
    Jun 2004
    Posts
    124
    #2451
    Quote Originally Posted by khomaigz View Post
    boss sobrang taas naman nyan... Aking nga 140k dp included na lahat and 10k 60months to pay or 5 years sa GLS MT. mataas na nga rin ung sa akin eh. may iba pang mababa...
    naabutan mo ba yun 40k promo nila?

  2. Join Date
    Jun 2004
    Posts
    124
    #2452
    Quote Originally Posted by glennba View Post
    Sir Roel, second time ko na napansin sa forum kaya i-correct ko na lang to avoid further confusion. Pansin ko kasi, dinidivide nyo lang yung total interest by the number of years. I don't think that's the right way of computing the interest per annum. Anyway, we can ignore yung interest per annum computation, ang important i-note is yung total interest for the whole loan term.
    :D paano ba talaga ang computation?

  3. Join Date
    Jan 2010
    Posts
    371
    #2453
    Quote Originally Posted by glennba View Post
    Sir Roel, second time ko na napansin sa forum kaya i-correct ko na lang to avoid further confusion. Pansin ko kasi, dinidivide nyo lang yung total interest by the number of years. I don't think that's the right way of computing the interest per annum. Anyway, we can ignore yung interest per annum computation, ang important i-note is yung total interest for the whole loan term.
    Kasi po yung iba they are posting that way. Pero ako i'm computing it the whole term. Malaki kasi yung 50% interest for 5 years.

  4. Join Date
    Jan 2010
    Posts
    371
    #2454
    Quote Originally Posted by christerdom View Post
    :D paano ba talaga ang computation?
    Kunin mo yung monthly amortization. Tapos multiply it kung ilang months yung term mo. Yung result subtract mo sa financed amount. Tapos yung difference divide mo sa amount financed mo. Paki korekbpo if mali. Di ako accountant eh. PT lang po ako.

  5. Join Date
    Jun 2004
    Posts
    124
    #2455
    Quote Originally Posted by roelrpt View Post
    Kasi po yung iba they are posting that way. Pero ako i'm computing it the whole term. Malaki kasi yung 50% interest for 5 years.
    Ano po kaya ang ideal interest rate for 5 yrs? Any recommended Car Dealer that can give such rate? please pm po

  6. Join Date
    Oct 2009
    Posts
    155
    #2456
    Quote Originally Posted by roelrpt View Post
    Kasi po yung iba they are posting that way. Pero ako i'm computing it the whole term. Malaki kasi yung 50% interest for 5 years.
    Yup, same pala tayo. Ang important sakin is yung total interest for the whole loan term.

    Btw, tumawag na kanina yung SA ko from Citimotors Makati to confirm yung color na gusto ko for GLS CVT. Try nya daw brasuhin na para maayos na yung allocation since may PO na naman daw ako.

  7. Join Date
    Nov 2012
    Posts
    55
    #2457
    Quote Originally Posted by roelrpt View Post
    Totoo bang 18.5% sya?? Sa computation ko po eto:

    3 years= 30.806% interest
    4 years= 40.346%
    5 years= 52.219% interest.

    Based from your monthly amortization..

    10% per annum nga sa CASA..
    Hi, new member here and also planning to get the mirage. i heard from the SA i spoke with that if you want to save on the down payment, go with the CASA rates...but if you want to save on the monthly amortization (which is what counts i think), sabi nung SA to go with the Bank. I did some rough computations (estimate pa lang) and mas matipid nga talaga pag sa Bank financing if you compute the overall cost of the car after paying the monthly amortization. (just my 2 cents).
    I'm still waiting for BPI to give me the computations based on their rates. I'll update everyone in case anyone wants to see it.

  8. Join Date
    Jan 2010
    Posts
    371
    #2458
    Quote Originally Posted by glennba View Post
    Yup, same pala tayo. Ang important sakin is yung total interest for the whole loan term.

    Btw, tumawag na kanina yung SA ko from Citimotors Makati to confirm yung color na gusto ko for GLS CVT. Try nya daw brasuhin na para maayos na yung allocation since may PO na naman daw ako.
    Congrats po.. Balitaan nalang kami ng fc.. Kasi cvt din kinukuha ko.. Enjoy your ride..

  9. Join Date
    Nov 2009
    Posts
    1,745
    #2459
    Quote Originally Posted by christerdom View Post
    Went to Jabez Motors here in Dasma, Cavite few weeks back (I didn't manage to beat the deadline for a 40k promo), the car looks great esp the features it offer for this car segment;

    The computation as follows;

    Unit Price = P 588,000
    20% DP = 117,600
    Amt for Finance = P 470,400

    Insurance = P 23,441
    LTO Reg = 8,336
    Chattel Mort = 24,619

    Less: Discount = P20,000

    Total DP = P 153,996

    -----

    Monthly Payment
    3 yrs = P17,092
    4 yrs = P13,754
    5 yrs = P11,931

    Mahal yung insurance at chattel.
    Insurance 20k flat kaya, chattel mo pang 1M+ na car yan.

  10. Join Date
    Sep 2005
    Posts
    13,039
    #2460
    sa casa ganyan talaga 10% per annum ang interest rate.. sa mga banko for 5 years makakakuha ka na nang 30% or lower or 6% per annum per year lang.. laki din nang difference nyan compared sa 50% sa casa.. tapos sa casa tatagain ka pa sa chattel at insurance..

2013 Mitsubishi Mirage