Subaru Forester

[BlancNoir]

my fastest there was 230kph....not doing that anymore

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Scary. I did 200. Lol

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[Egan101]

Bro, i smoked 3 new cr-vs sa tplex using the xt if this helps.

Go get he xt.

Most vehicles on the road cannot match the quickness and speed of the FXT. You need a WRX to outrun it or something more expensive.

my fastest there was 230kph....not doing that anymore

I have not reached that mark yet. I was able to do 220kmh on SCTEX and it can get very noisy inside the cabin past 200kmh.

[Egan101]

Motor Image is offering low down payment schemes for the Forester this December.

Forester i-L: P 108,000 lowdown
Forester i-P: P 128,000 lowdown
Forester XT: P 158,000 lowdown

http://www.topgear.com.ph/news/indus...ef=home_feed_1

[jojopad]

Motor Image is offering low down payment schemes for the Forester this December.

Forester i-L: P 108,000 lowdown
Forester i-P: P 128,000 lowdown
Forester XT: P 158,000 lowdown

http://www.topgear.com.ph/news/indus...ef=home_feed_1

Monthly amortization is definitely going to be hefty when it comes to Subaru's loan package compared to going directly to a bank. Probably higher by 15% or more.

[Egan101]

Monthly amortization is definitely going to be hefty when it comes to Subaru's loan package compared to going directly to a bank. Probably higher by 15% or more.

For potential buyers, it's better to do their calculations first and decide the better option. Based on my comparative analysis last year on bank loans and casa-offered promos, total amounts (DP, sum of amortization, initial acquisition costs) only differ by around 50k over a period of 5 years.

If you have the means to pay monthly, such low DP schemes are worth considering.

[jojopad]

For potential buyers, it's better to do their calculations first and decide the better option. Based on my comparative analysis last year on bank loans and casa-offered promos, total amounts (DP, sum of amortization, initial acquisition costs) only differ by around 50k over a period of 5 years.

If you have the means to pay monthly, such low DP schemes are worth considering.

Also note the chattel mortgage. I heard Subaru would charge around 40k whereas a bank will charge around 15k only.

[Egan101]

Also note the chattel mortgage. I heard Subaru would charge around 40k whereas a bank will charge around 15k only.

Hearing from others is different from asking the dealer. It's better to check them out on the terms. Last year, I was offered a low DP scheme (to be able to get the discount) and I never paid anything other than the agreed DP amount.

[louiemark]

Banks can generally offer better loan package than dealers. Dealers are not financial institutions so they charge way higher rates because its more risky for them. Low DP maybe light on the pocket upfront but the dealer will make their money on the amort thru higher rates. I think you have to compare options in terms of full consumption of the loan. All up front acquisition cost plus all amort until full payment of loan.


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[louiemark]

If you opt for a bank loan. Best practice to approach your bank first to check the lowest rate you can get approved for. If you go to a dealer first before searching for a bank approval, it becomes an IPP (installment papers purchase). Bank charges higher rates (vs if you approach the bank first) because the cost of acquiring your loan is higher (they have to pay dealer for the referral)


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[louiemark]

Rate difference ng bank branch referred loan (approaching a bank first) vs a IPP (approaching a dealer first then referred to a bank) is very significant. I’ve seen as much as double. More so the difference as against loan from the dealership. Waaay higher


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