2014 Suzuki swift 1.2

**kimot** · April 6th, 2015 02:16 PM

LOL paikot ikot na lang.

Priority ka sa kulay at model na gusto mo.

nakuha ko naman yung gusto kong kulay

Mas aalagaan ang car mo ng dealer.

ayos rin naman experience ko sa lahat ng casa na napuntahan ko

Mas madali mo ma claim ang warranty if ever may papalitan.

again di ako nahirapan sa pagclaim ng warranty, yung rack and pinion pinalitan na wala kaming binabayaran. yung huling hirit namen na palitan yung steering column, pinalitan rin nila under warranty kahit wala naman talaga problema LOL

Hindi affected ang monthly ng inflation rate.

kung tumaas yung interest sa bank, mas mababa pa rin yun compare sa in house. parang house loan rin lang yan, mas ok ang bank financing vs in house

Bank will push you na kumuha ng insurance nila even mahal.

again, after matapos nung free insurance, lumipat kami sa ibang insurance company.

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LOL paikot ikot na lang.

Priority ka sa kulay at model na gusto mo.

nakuha ko naman yung gusto kong kulay

Mas aalagaan ang car mo ng dealer.

ayos rin naman experience ko sa lahat ng casa na napuntahan ko

Mas madali mo ma claim ang warranty if ever may papalitan.

again di ako nahirapan sa pagclaim ng warranty, yung rack and pinion pinalitan na wala kaming binabayaran. yung huling hirit namen na palitan yung steering column, pinalitan rin nila under warranty kahit wala naman talaga problema LOL

Hindi affected ang monthly ng inflation rate.

kung tumaas yung interest sa bank, mas mababa pa rin yun compare sa in house. parang house loan rin lang yan, mas ok ang bank financing vs in house

Bank will push you na kumuha ng insurance nila even mahal.

again, after matapos nung free insurance, lumipat kami sa ibang insurance company.

**ninjababez** · April 6th, 2015 02:32 PM

^kimbot bpi ba yun free insurance?

**kimot** · April 6th, 2015 02:57 PM

sir di ko na matandaan, sa maybank yung loan ko, since sila yung may pinakamababang interest.

**ano727** · April 6th, 2015 03:32 PM

Originally Posted by kimot

sir di ko na matandaan, sa maybank yung loan ko, since sila yung may pinakamababang interest.

How much interest sa Maybank and for how many years term? When did you take your loan?

BTT, the Swift 1.2 competes well with Mitsu G4, am choosing between the two.

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Originally Posted by kimot

sir di ko na matandaan, sa maybank yung loan ko, since sila yung may pinakamababang interest.

How much interest sa Maybank and for how many years term? When did you take your loan?

BTT, the Swift 1.2 competes well with Mitsu G4, am choosing between the two.

**kimot** · April 6th, 2015 03:34 PM

double post

**Walter** · April 6th, 2015 03:36 PM

This guy might be a troll. Or maybe he's OB reincarnate?

Banks usually give dealers 0.6-0.8% commission. Only an idiot will get in house loan if there's bank loan available. Pay in cash if you want the best deal.

**philsat** · April 6th, 2015 03:49 PM

Originally Posted by kimot

LOL paikot ikot na lang.

nakuha ko naman yung gusto kong kulay

ayos rin naman experience ko sa lahat ng casa na napuntahan ko

again di ako nahirapan sa pagclaim ng warranty, yung rack and pinion pinalitan na wala kaming binabayaran. yung huling hirit namen na palitan yung steering column, pinalitan rin nila under warranty kahit wala naman talaga problema LOL

kung tumaas yung interest sa bank, mas mababa pa rin yun compare sa in house. parang house loan rin lang yan, mas ok ang bank financing vs in house

again, after matapos nung free insurance, lumipat kami sa ibang insurance company.

- - - - - - - - - - - - - - - - - - - - - -

LOL paikot ikot na lang.

nakuha ko naman yung gusto kong kulay

ayos rin naman experience ko sa lahat ng casa na napuntahan ko

again di ako nahirapan sa pagclaim ng warranty, yung rack and pinion pinalitan na wala kaming binabayaran. yung huling hirit namen na palitan yung steering column, pinalitan rin nila under warranty kahit wala naman talaga problema LOL

kung tumaas yung interest sa bank, mas mababa pa rin yun compare sa in house. parang house loan rin lang yan, mas ok ang bank financing vs in house

again, after matapos nung free insurance, lumipat kami sa ibang insurance company.

Good points ito sa suzuki dealer na pareho lang treatment ng sa cash, in house and bank.. Kung ganyan ang labanan.. Ibang brand kasi yung mga napag tanungan ko..

**dos2** · April 6th, 2015 04:02 PM

Originally Posted by Walter

This guy might be a troll. Or maybe he's OB reincarnate?

Banks usually give dealers 0.6-0.8% commission. Only an idiot will get in house loan if there's bank loan available. Pay in cash if you want the best deal.

Agree, if one is qualified with a bank loan he should not avail of the in house in order to save.
Nothing against in house takers but here are some reasons I can think of why someone would prefer it over a bank loan.
1. Lower down payment - some units are offered with less than 10% DP all in while bank loans require at least 20%. As we all know a lower DP translates to a higher monthly amortization.
2. Preferential in unit allocation of a model with limited supply. Case point is the Ranger Wildtrak and MU-X.
3. Easier requirements - banks generally have lower risk tolerance and therefore more requirements.
4. Casa freebies (gadgets, accessories, PMS) - although in reality the total cost of these accessories is smaller that what could have been saved if a bank loan was taken.
5. Ignorance and/or Laziness in computing actual savings.

**philsat** · April 6th, 2015 04:13 PM

;

Originally Posted by Walter

This guy might be a troll. Or maybe he's OB reincarnate?

Banks usually give dealers 0.6-0.8% commission. Only an idiot will get in house loan if there's bank loan available. Pay in cash if you want the best deal.

Actually may isa akong friend na nahirapan siyang kunin yung gusto niyang kulay ng auto kasi cash niya ang auto.. Alam ng friend namin na agent na may stock ang dealer ng ganung kulay at model pero hindi binigay kasi iilan na lang stock nilang ganun.. Sinabi na lang ng dealer na wala silang ganun at itong kulay lang ang miron..