Need your opinion...

[life_wheel]

(Im literally newbie) Una sa lahat hindi ko po sigurado kung nasa tamang thread ba ako, paumanhin po. Mga Sir, need ko lang po opinion/advice niyo. Una po sa lahat, kami po ay nag apply ng car loan, nagpasa po kami ng application sa agent. Isang bank po tumawag sa amin for BI, after an hour tumawag po si agent informing us na approved na daw yung application namin. ang pinagtataka namin bakit wala man lang confirmation galing bank na were approved, kinaumagahan same bank tumawag for BI parin, diba dapat pag approved ka na walang BI? at totoo bang good for 1 month lang ang approval? i mean once na approve ka na, you need to comply within 30 days kung hindi paso na yung approval mo at you need to re apply ulit for another approval ganun po ba yun? alam kong normal lang humingi ng reservation fee, pero bakit parang minamadali kami for that reservation? (5k). sa mga agent po ba or dealer meron ba dapat sila ipapakita sa applicant na proof of approval galing sa bank kung saan ka na aprubahan?

[Yatta]

Sa agent ka nag-apply? Then tama lang yun na siya ang kokontak sa iyo regarding approval hindi yung bank. And yes kahit may nag-approve na, normal yun na may tatawag o pupunta na bank agent para mag-CI. Sa akin nga 2 buwan ko na nauwi yung sasakyan, may nag-CI pa rin. Ok lang yan. For future reference na lang.

[yebo]

minamadali yung reservation fee kasi december, naghahabol ng quota. malamang sinasabon na yung agent mo ng boss nya at nanganganib na ang 4th quarter bonus nya. bitinin mo, ask ka ng additional discount at freeebies. december is one of the best months to buy a car due to those sales agents hurrying to fill their quotas.

[life_wheel]

Nako maraming salamat sir Yatta at sir Yebo. You enlightened my doubted mind hehe. I just requested an email from the agent to send me a copy of approval from the bank, meron naman at nakita ko yung details, masyado lang siguro akong sigurista. Mga sir ano pa kaya ang pwede kong idemand sa agent ko maliban sa mga tint,matting and ect.

[chrismotors]

(Im literally newbie) Una sa lahat hindi ko po sigurado kung nasa tamang thread ba ako, paumanhin po. Mga Sir, need ko lang po opinion/advice niyo. Una po sa lahat, kami po ay nag apply ng car loan, nagpasa po kami ng application sa agent. Isang bank po tumawag sa amin for BI, after an hour tumawag po si agent informing us na approved na daw yung application namin. ang pinagtataka namin bakit wala man lang confirmation galing bank na were approved, kinaumagahan same bank tumawag for BI parin, diba dapat pag approved ka na walang BI? at totoo bang good for 1 month lang ang approval? i mean once na approve ka na, you need to comply within 30 days kung hindi paso na yung approval mo at you need to re apply ulit for another approval ganun po ba yun? alam kong normal lang humingi ng reservation fee, pero bakit parang minamadali kami for that reservation? (5k). sa mga agent po ba or dealer meron ba dapat sila ipapakita sa applicant na proof of approval galing sa bank kung saan ka na aprubahan?

derecho na lang po sana kyo sa bank pra apply ng car loan.

[NatBad]

Mga bossing, paadvice ako sa inyo. I am planning to buy a 2nd hand car. Dalawa ang kinocompare ko sa ngayon: a honda city 2002 model with 147k mileage (*182k php) and a Hyundai Getz 1.1 2010 model with 36k mileage (*230k php). Which one po ang pinaka magandang pick.

I'm weighing between:
- power
- fuel efficiency
- maintenance costs
- reliability in long distance travel
- and quality

TIA po sa mga magbigay advices.

[Mrraizyl]

Mga bossing need ko sana ng advice nyo. Last July 6 nagapply ako for autoloan then after ko maipasa lahat ng needed documents hinintay ko nalang yung tawag ni Bangko (BPI). July 12 tumawag ako to make a follow up kasi parang unusual naman na sobrang tagal nila mag approve then sabi skn denied daw dahil nag check daw sila sa area namin wala daw parking pero credit/salary wise wala daw problema. Napakaunusual lang dahil wala namang tumawag sa akin to conduct inspection or magtanong man lang kung may parking ako. Yung area kasi namin since masikip nagpagawa ako ng garahe inside our house pero tingin ko yung nag inspect eh inassume nya na sa labas ang parking. Good thing naman nag apply for reconsideration yung kausap ko sa BPI branch. This time address ng wife ko sa ginamit namin (we have paid parking sa place na yon). I also sent pictures of my parkig space for both of my addresses para mas mapabilis. Unfortunately until now wala padin akong approval. Yung dealer ko din sabi nya napakaunusual daw yung case ko and wala pa daw syang client na nadeny dahil sa ganong reason. Ano po kaya yung mga pede kong gawin? Kinontact ko na laht ng hotline nila pero wala pading nangyayari.

Thank you mga bro

[Karl Benztot]

Mga bossing need ko sana ng advice nyo. Last July 6 nagapply ako for autoloan then after ko maipasa lahat ng needed documents hinintay ko nalang yung tawag ni Bangko (BPI). July 12 tumawag ako to make a follow up kasi parang unusual naman na sobrang tagal nila mag approve then sabi skn denied daw dahil nag check daw sila sa area namin wala daw parking pero credit/salary wise wala daw problema. Napakaunusual lang dahil wala namang tumawag sa akin to conduct inspection or magtanong man lang kung may parking ako. Yung area kasi namin since masikip nagpagawa ako ng garahe inside our house pero tingin ko yung nag inspect eh inassume nya na sa labas ang parking. Good thing naman nag apply for reconsideration yung kausap ko sa BPI branch. This time address ng wife ko sa ginamit namin (we have paid parking sa place na yon). I also sent pictures of my parkig space for both of my addresses para mas mapabilis. Unfortunately until now wala padin akong approval. Yung dealer ko din sabi nya napakaunusual daw yung case ko and wala pa daw syang client na nadeny dahil sa ganong reason. Ano po kaya yung mga pede kong gawin? Kinontact ko na laht ng hotline nila pero wala pading nangyayari.

Thank you mga bro

Good day.

Kapag ang ibig nyo pong sabihin sa "nacontact na lahat ng hotline" is umabot kana po sa credit and loan division ng BPI, pero wala pa ring approval, you can wait until you receive certain notices ks yun po ang pinaka ebidensya na na approved ka or hindi. (you need to continue making follow ups). Discretion po ks ng bank whether to approve your application or not. You can be denied even without reason at all. However, you have all the right also to look for another bank.. I hope this helps

[commercial]

guys maganda ba magloan sa Bank instead of cash (if meron nang poangfull)?

[mjortiz16]

I had similar experience

[Tiyawkin]

Pasensiya na kakasali ko lang dito. Ang katunayan may tanong din ako.
Gaano po kainam ang Valvoline Premium Conventional Oil 10w30 para sa Toyota Vios?
Nakita ko po sa user manual, pwede ang mga sumusunod:
5w30
10w30
15w40 and
20w50

Maraming salamat po sa mga makakapagbigay ng honest na sagot ayon sa experience nyo po.

[sabisenio]

Hello guys,

Need some advice, ano po bang maganda Car Insurance na marerecommend nyo?

Read some convo here, pero still undecided anong maganda.

Ichoose called me and recommended Federal Phoenix.

Sa inyo po ba? Also, kmusta ang insurance claims and cost? Heard some insurances matagal ang claims.

Thank you!!!

[_Cathy_]

MODERATOR'S WARNING: Please don't flood the threads with the same post.

Use the search function on the proper thread to post your inquiry

Sent from my GT-N7100 using Tapatalk

[MR_BIG18]

Paid cash only twice on a 2nd gen crv and 1.5 city, if you can get good deal through financing like 16% in 4 years with free chattel and insurance..its a good deal already..there are dealers that have promos like 50% down, 0% interest on the balance...look for those

Sent from my SM-G955F using Tsikot Forums mobile app

[Walter]

0% interest promos usually come with big discounts for full cash purchase ...

[dos2]

0% interest promos usually come with big discounts for full cash purchase ...

... aside from being quite rare, this promo is normally only offered for slow selling/possible discontinuance/old model units.

[Egan101]

... aside from being quite rare, this promo is normally only offered for slow selling/possible discontinuance/old model units.

or preferred customers....

[ziggyzagged]

What's your take on taking off thermostats?

My car is from Japan and it has a thermostat (not sure if cars sold in the Philippines also have thermostats). It sometimes overheats and I'm thinking it's because the water does not circulate. I say this because I check the radiator and reservoir everyday and sometimes the amount of water in the reservoir does not decrease. It should decrease because the radiator cap is broken so water leaks from there (haven't had the chance to find a good replacement yet). That is why I check everyday. I pour distilled water in the radiator and reservoir every morning.

The mechanic suggested to take it off since we don't need it in our climate. A lot of mechanics suggest that here in the PH.

After the mechanic took off the thermostat, my car's engine temp is at the 0-20% when I start the car. The other night, I drove it for a couple of minutes and the temp did not go up because of the wind and also the fan was on.

I read in some articles that it can actually hurt your car and the fuel efficiency if the engine is cold.

What do you guys think? Should I just leave the thermostat taken out?

TIA!!

Sent from my SM-G950U using Tapatalk

[dr. d]

What's your take on taking off thermostats?

My car is from Japan and it has a thermostat (not sure if cars sold in the Philippines also have thermostats). It sometimes overheats and I'm thinking it's because the water does not circulate. I say this because I check the radiator and reservoir everyday and sometimes the amount of water in the reservoir does not decrease. It should decrease because the radiator cap is broken so water leaks from there (haven't had the chance to find a good replacement yet). That is why I check everyday. I pour distilled water in the radiator and reservoir every morning.

The mechanic suggested to take it off since we don't need it in our climate. A lot of mechanics suggest that here in the PH.

After the mechanic took off the thermostat, my car's engine temp is at the 0-20% when I start the car. The other night, I drove it for a couple of minutes and the temp did not go up because of the wind and also the fan was on.

I read in some articles that it can actually hurt your car and the fuel efficiency if the engine is cold.

What do you guys think? Should I just leave the thermostat taken out?

TIA!!

Sent from my SM-G950U using Tapatalk

thermostats in cars:
1. enable the car to reach optimum working temperature faster. engines consume more fuel when they are cold.
2. helps conserve fuel; and
3. help decrease air pollution.

the engine temp does not go up fast, when the thermostat is removed. the radiator is cooling the water that is circulating into it from the engine block. normally, the thermostat blocks cold water in the engine block from going to the radiator, where it is cooled and prevented from heating up the engine block. this is the mechanism how thermostats enable engine blocks to reach optimum working temperature, faster.

is your car locally sourced?
if it is grey market, perhaps its thermostat is not the right one for our climate.

another possibility for your seeming overheat problem, is that your thermostat is defective and needs replacement.

perished radiator cap? replace it, po! magkano lang banaman yan...
trouble-shooting will be easier, with one less problem to consider.

good luck.

[barako ba ma]

is your car locally sourced?
if it is grey market, perhaps its thermostat is not the right one for our climate.





Another erroneous myth.
The boiling point of water in Canada is the same boiling point in Manila. It all depends on the altitude and barometric pressure. Whatever happened to what we learned in high school? Did all the basic lessons learned change or disappear?