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  1. Join Date
    Jan 2003
    Posts
    2,407
    #691
    Quote Originally Posted by Ketib View Post
    Uls, hindi na naman lumaki ang monthly ng sasakyan(kaso 140 na car wash dito sa suki ko sa davao, after 4 months bago ako nakauwi) at bahay. Basic needs? May konti epekto but not to much, for me.
    Short term lang po ang loan nyo sa sasakyan kaya malamang fixed rate po ito. But if you take a loan again, malamang mas mahal na monthly ammort mo.

    I feel for those who have housing loans na naka float na in a few years.

  2. Join Date
    Apr 2014
    Posts
    5,246
    #692
    Quote Originally Posted by A121 View Post
    Short term lang po ang loan nyo sa sasakyan kaya malamang fixed rate po ito. But if you take a loan again, malamang mas mahal na monthly ammort mo.

    I feel for those who have housing loans na naka float na in a few years.
    Kinakabahan ako sa statement mo. Pero well founded naman.

    Sent from my BLL-L22 using Tapatalk

  3. Join Date
    Jun 2018
    Posts
    1,475
    #693
    Quote Originally Posted by A121 View Post
    Short term lang po ang loan nyo sa sasakyan kaya malamang fixed rate po ito. But if you take a loan again, malamang mas mahal na monthly ammort mo.

    I feel for those who have housing loans na naka float na in a few years.
    Glad my long term loans are fixed.

  4. Join Date
    Dec 2006
    Posts
    16,506
    #694
    I got fixed 1 year rates. Over 1.5% cheaper than a 5 year rate. I don't expect the interest rates to spike by 1.5% in 5 years. Even if it does, nakatipid na ko in the few years that the 1 year rates were cheaper than the 5 yr rates.

    Sent from my SM-G950F using Tapatalk

  5. Join Date
    Sep 2014
    Posts
    8,481
    #695
    Quote Originally Posted by uls View Post
    pero tingin ko di maabot ung target growth rate

    TRAIN took a lot of spending money away from consumers

    ung sinasabi ni OB na...



    hindi naman representative ng average pinoy consumer ang mga landers shoppers

    pero sign yan everyone's looking for value for money

    everyone wants sale items

    nobody wants to pay full price

    so squeezed ang margin ng mga retailers

    which translates to lower profit
    Hindi value for money, the sale price is the true price. Alam ng lahat Jacked up 300 pecent pag regular day .

    Its not rocket science how trading works. Kung dati traders are getting away with overpricing coz wala ubiqitous internet. Now hinde na, dami price compare apps sa net.

    Uls, bsp, keynesian, macroeconomics wala na yan mga ganyan ngaun, the average is consumer is very smart these days.

    If toyota gives 100k discount after 6 months of train implementation, then obvious they topk advsntsge of the train law last January . Eh ngaun bagsak ang car sales sales data monthly, eh di on bended knees Sila, they have to woo back buyers. Suddenly, hinde naman pala talaga ganun kataas ang effect ng train law only greedy traders piggybacking on it,

    So these artificial doom and gloom or bear, let them all fall. Another groupof millenials will take their place

  6. Join Date
    Sep 2014
    Posts
    8,481
    #696
    Eto problema local investors like you and mem those who make money work for money, kaya lang pano nga kayo magkarun ng good returns eh profit is down coz low spending as well as the consimers are smart now,

    The find value where they see one. If for example, a good bibingka store, dinadayo coz masarap at di tipid ang ingredients, then somewhere along the way investors come in, convince the owner to expand, tapos pag expanded na tipid na ingredients and then dami nakikiride on sa kita ng original bibingka store .

    Nasan na yun good value ng store. Eh ngaun this new economy is just punishing these investors na pinapataas lang ang halaga ng bibingka coz they want monthly or annual returns.

    Dami nakakaina mura nga uls. And quality pa coz labor of love ng orgigjnal owners.

  7. Join Date
    Jan 2003
    Posts
    2,407
    #697
    Quote Originally Posted by jut703 View Post
    I got fixed 1 year rates. Over 1.5% cheaper than a 5 year rate. I don't expect the interest rates to spike by 1.5% in 5 years. Even if it does, nakatipid na ko in the few years that the 1 year rates were cheaper than the 5 yr rates.

    Sent from my SM-G950F using Tapatalk
    I am trying to remember how much it was a couple of years back. Nakaka 50bp na kasi tayo.

    Though mas maganda tumingin pa rin ng historical data.

  8. Join Date
    Nov 2005
    Posts
    34,816
    #698



    Indonesia’s central bank raised interest rates again

    That’s total of 100 bps in 2 months

    BSP is not as aggressive

  9. Join Date
    Jan 2003
    Posts
    2,407
    #699
    Quote Originally Posted by uls View Post



    Indonesiaís central bank raised interest rates again

    Thatís total of 100 bps in 2 months

    BSP is not as aggressive
    Question: historically, has the BSP raised the rates greater than 50bps in a year?

  10. Join Date
    Nov 2005
    Posts
    34,816
    #700
    Quote Originally Posted by A121 View Post
    Question: historically, has the BSP raised the rates greater than 50bps in a year?
    i don't know Sir but if things get worse they'll have to
    Last edited by uls; July 2nd, 2018 at 01:50 PM. Reason: thing ----> things

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Philippine Economy Talk