2014 Suzuki swift 1.2

**jasperman** · April 7th, 2015 12:34 AM

Originally Posted by pillow^-^

To those who opted for bank loan how much did you pay on top of the DP? Thanks!

Chattel Mortgage + 1 month advance

**pillow^-^** · April 7th, 2015 06:37 AM

Thanks! Normally hm is the chattel mortgage? Ballpark figure and what were the inclusions? Did you get free insurance too? As in no more freebies from the dealershIp?

**SkyFlakes88** · April 7th, 2015 07:45 AM

Originally Posted by pillow^-^

Thanks! Normally hm is the chattel mortgage? Ballpark figure and what were the inclusions? Did you get free insurance too? As in no more freebies from the dealershIp?

Chattel mortgage fee differs from bank to bank.depends also on how much loan you are applying for.just get the figure and haggle with the banks loan officer.don't be so much taken by the freebies or the free ins.study every offer.remember it all boils down to one thing. How much are you willing to fork out initially and how much can you religiously pay the monthly. The best deal is the one that does not put much pressure on your pockets. Good luck!

**philsat** · April 7th, 2015 08:26 AM

Originally Posted by SkyFlakes88

Chattel mortgage fee differs from bank to bank.depends also on how much loan you are applying for.just get the figure and haggle with the banks loan officer.don't be so much taken by the freebies or the free ins.study every offer.remember it all boils down to one thing. How much are you willing to fork out initially and how much can you religiously pay the monthly. The best deal is the one that does not put much pressure on your pockets. Good luck!

We must get the best price and package always.. On my own opinion hindi lang laging low price ang tignan.. For me kasi mas mahal ang oras at effort ko kaysa sa matitipid ko minsan. Hindi ko sinasabing mayaman ako pero ayoko lang ng headache. Pero note naman ng marami na same treatment lang ang ginagawa ni suZuki dealer sa cash, bank at in house.. Pero im sure pag in house ka you can demand more on the dealer kasi kumita naman sayo sila compare doon sa mas maliit ang kinita nilang client..

**pillow^-^** · April 7th, 2015 11:18 AM

Thank you! Got approved both in house and bank. 30% DP remaining balance 48 mos. But haven't received the rest of the details yet.

**n_spinner06** · April 7th, 2015 11:26 AM

Originally Posted by pillow^-^

Thank you! Got approved both in house and bank. 30% DP remaining balance 48 mos. But haven't received the rest of the details yet.

magkano monthly sir and anong bank? thanks!

**kimot** · April 7th, 2015 11:34 AM

Pero im sure pag in house ka you can demand more on the dealer kasi kumita naman sayo sila compare doon sa mas maliit ang kinita nilang client.

ano ba pwede mo idemand kapag in house financing? freebies? eh kahit itotal mo pa yung price/amount nyan mas malaki pa rin matitipid mo kapag bank financing. try mo kaya mag compute at ipost dito ang difference ng in house vs bank financing.

kung yung aftersales naman ang habol mo, wala naman pinagkaiba yan kahit anong mode ng payment mo, di sasayangin ng casa ang oras nila para icheck kung anong klase payment ang ginawa mo kada bisita mo sa kanila.

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Pero im sure pag in house ka you can demand more on the dealer kasi kumita naman sayo sila compare doon sa mas maliit ang kinita nilang client.

ano ba pwede mo idemand kapag in house financing? freebies? eh kahit itotal mo pa yung price/amount nyan mas malaki pa rin matitipid mo kapag bank financing. try mo kaya mag compute at ipost dito ang difference ng in house vs bank financing.

kung yung aftersales naman ang habol mo, wala naman pinagkaiba yan kahit anong mode ng payment mo, di sasayangin ng casa ang oras nila para icheck kung anong klase payment ang ginawa mo kada bisita mo sa kanila.

**ninjababez** · April 7th, 2015 01:13 PM

Originally Posted by kimot

ano ba pwede mo idemand kapag in house financing? freebies? eh kahit itotal mo pa yung price/amount nyan mas malaki pa rin matitipid mo kapag bank financing. try mo kaya mag compute at ipost dito ang difference ng in house vs bank financing.

kung yung aftersales naman ang habol mo, wala naman pinagkaiba yan kahit anong mode ng payment mo, di sasayangin ng casa ang oras nila para icheck kung anong klase payment ang ginawa mo kada bisita mo sa kanila.

[.

ditto
kung di maapektuhan finances mo masyado always go with the higher dp and lower monthly amort.

**pillow^-^** · April 7th, 2015 01:28 PM

Lets say based on the SRP 648k 20%DP for 60mos
Inhouse Interest - 182k
Bank interest 142k
is 40k worth the freebies?

**philsat** · April 7th, 2015 01:34 PM

Originally Posted by kimot

ano ba pwede mo idemand kapag in house financing? freebies? eh kahit itotal mo pa yung price/amount nyan mas malaki pa rin matitipid mo kapag bank financing. try mo kaya mag compute at ipost dito ang difference ng in house vs bank financing.

kung yung aftersales naman ang habol mo, wala naman pinagkaiba yan kahit anong mode ng payment mo, di sasayangin ng casa ang oras nila para icheck kung anong klase payment ang ginawa mo kada bisita mo sa kanila.

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

ano ba pwede mo idemand kapag in house financing? freebies? eh kahit itotal mo pa yung price/amount nyan mas malaki pa rin matitipid mo kapag bank financing. try mo kaya mag compute at ipost dito ang difference ng in house vs bank financing.

kung yung aftersales naman ang habol mo, wala naman pinagkaiba yan kahit anong mode ng payment mo, di sasayangin ng casa ang oras nila para icheck kung anong klase payment ang ginawa mo kada bisita mo sa kanila.

Relax lang sir.. Posible you can demand more freebies, more discount on accessories, discount on maintenance and parts during pms. More easy to demand a replacement of parts during the warranty period.. Pero marami naman na nag cclaim na same lang daw ang treatment ng suzuki dealer sa lahat ng owner ng cash, in house at bank, so i will think on bank option din if ganun ang mga dealer ng suzuki.. Pero sa ibang brand may ibang treaTment sa inhouse at cash/bank..