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  1. Join Date
    Aug 2013
    Posts
    6
    #1
    Mga kasama , bago lang po ako d2 sa forum ng advie.. wala pa akong unit ng advie at plano kong kumuha. I need your advise please ,[Ang co maker ba is mandatory n may trabaho or business as those who experienced n mag loan ng advie ( assuming my wife to be my co maker ) ? OFW po ako at nkktulong ang forum n ito for some info with regards to unit of advie. I hope someone can help me about this matter.

  2. Join Date
    Apr 2013
    Posts
    280
    #2
    Kung may asawa ka alam ko automatic talaga sya ang co-maker mo, ke may trabaho sya o wala.

  3. Join Date
    Jul 2009
    Posts
    4,090
    #3
    Quote Originally Posted by dween64 View Post
    Mga kasama , bago lang po ako d2 sa forum ng advie.. wala pa akong unit ng advie at plano kong kumuha. I need your advise please ,[Ang co maker ba is mandatory n may trabaho or business as those who experienced n mag loan ng advie ( assuming my wife to be my co maker ) ? OFW po ako at nkktulong ang forum n ito for some info with regards to unit of advie. I hope someone can help me about this matter.
    co-maker needs to be employed. meaning may capacity siya to pay. bottom line, para din siya ang nagloan sa bank, worst comes to worst na hindi ka makabayad, siya ang obligated na magbayad

  4. Join Date
    Sep 2010
    Posts
    1,807
    #4
    misis ko wala work pero sya co-maker ko sa BPI sa auto loan.

    or dahil magiging conjugal property yun kaya pwede kahit walang work si misis?

  5. Join Date
    Oct 2002
    Posts
    40,038
    #5
    Quote Originally Posted by zix888 View Post
    co-maker needs to be employed. meaning may capacity siya to pay. bottom line, para din siya ang nagloan sa bank, worst comes to worst na hindi ka makabayad, siya ang obligated na magbayad
    not true...lalo na pag spouse

  6. Join Date
    Mar 2009
    Posts
    823
    #6
    Quote Originally Posted by shadow View Post
    not true...lalo na pag spouse
    hundred percent true since ang pinaguusapan natin dito ay chattel mortgage ng auto hence automatic comaker ang spouse kahit unemployed

    saan pa kailangan may pirma ang legitimate spouse- pag magbabenta kayo ng conjugal property etc...

    di ba sinagot ng agent mo yan? libre magtanong sa agent and bago ka bumili meron mag eexplain niyan basta magtanong ka lang

    HUWAG MAHIYA MAGTANONG =)

  7. Join Date
    Oct 2002
    Posts
    10,820
    #7
    1. You only need a co-maker if you are single, especially if it is your first time to get a loan. After your first loan and your credit rating is good (no missed payments) the banks will no longer require a co-maker. However if you have a credit card and have a very good credit rating you can ask the bank to wave this requirement (especially if you get the loan from the bank that issued your cc).

    2. If you are married your spouse is automatically your co-maker. Your spouse does not need to be employed.

  8. Join Date
    Aug 2013
    Posts
    6
    #8
    Gandang araw sa inyong lahat na nag reply sa thread ko. Sorry I was late for replying to all your concerned & advised . It really help me so I wished that sometimes I can help also.

    Cheers to all Tsikoteers who are willing to help !

  9. Join Date
    Aug 2013
    Posts
    6
    #9
    Gandang araw sa inyong lahat na nag reply sa thread ko. Sorry I was late for replying to all your concerned & advised . It really help me so I wished that sometimes I can help also.

    Cheers to all Tsikoteers who are willing to help !

Co maker