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Verified Tsikot Member
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- Aug 2013
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- 6
August 27th, 2013 12:39 PM #1Mga 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.
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Verified Tsikot Member
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- Apr 2013
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- 280
August 27th, 2013 03:00 PM #2Kung may asawa ka alam ko automatic talaga sya ang co-maker mo, ke may trabaho sya o wala.
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Tsikot Member Rank 1
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- Jul 2009
- Posts
- 4,090
August 27th, 2013 03:09 PM #3
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August 27th, 2013 03:23 PM #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?
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Tsikoteer
- Join Date
- Mar 2009
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- 823
August 27th, 2013 03:43 PM #6hundred 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 =)
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August 27th, 2013 06:56 PM #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.
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Verified Tsikot Member
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- Aug 2013
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- 6
December 11th, 2013 06:00 PM #8Gandang 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 !
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Verified Tsikot Member
- Join Date
- Aug 2013
- Posts
- 6
December 11th, 2013 06:03 PM #9Gandang 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 !
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