2014 Suzuki swift 1.2

[ninjababez]

Next to security bank is bpi with low interest rate. But latter gives more discount because of the free insurance or free 1mo amortization and more.
You get to choose which one you can benefit more once you get approved both by direct bank and Inhouse.
Sila na magpapagandahan ng offer sayo. 😄

bro fyi free insurance ng bpi, mabilis naman once may policy number ka na. problem lang wait ka 3-5 working days for them to generate a policy number once mag claim ka.

[philsat]

nah all dealers should their customers the same. may nabasa nga ako sa ibang dealership pa nakapagclaim ng warranty at di doon sa pinagbilhan nya.

I see.. I though if saan kang dealer kumuha e doon ka rin mag papa first and 2nd PMS para sa free labor, then doon ka rin sa dealer na napag kuhunan mo mag cclaim ng warranty if may sirang parts. Pero diba mas priority ng dealer ang car na galing sa kanila?

[philsat]

Next to security bank is bpi with low interest rate. But latter gives more discount because of the free insurance or free 1mo amortization and more.
You get to choose which one you can benefit more once you get approved both by direct bank and Inhouse.
Sila na magpapagandahan ng offer sayo. 😄

Much better pag bangain mo mga offer nila.. If nakita naman nila na sure buyer ka at midyo gusto mo ng mabilis na process e for sure e mag oofer yan ng magandang package.. Pero isang note ng forum, base sa experience niya mas ok daw ang insurance ng dealer. Kasi pag dinala niya ang car niya, kunting paper works lang, then chika chika e tapos na usapan at sasabihin na lang niya na natawagan siya pag ok na.. Siguro if ang insurance at talyer e magkaibang company e may tawaran, negosasyon pa na pinag dadaanan kaya tumatagal..

[SkyFlakes88]

Sa claims po kasi talagang case to case basis po. May mga taong madali kausap sir. What i mean is yun kalaban nyo na party in case meron po. Usually sa insurance po basta kumpleto na papeles at reasonable yun price madali ang approval. Sadly po kasi may mga taong unreasonable yun katwiran. Babayaran na nang tama e gusto pa yun kikita. Dun po tumatagal ang claims kaya ang sasabihin yun insurance co.ang may problema.

[SkyFlakes88]

Next to security bank is bpi with low interest rate. But latter gives more discount because of the free insurance or free 1mo amortization and more.
You get to choose which one you can benefit more once you get approved both by direct bank and Inhouse.
Sila na magpapagandahan ng offer sayo. [emoji1]

When we made our bank inquiry just months ago. We were at the same situation. We went with security.no free insurance. Reason was naka lock in ka sa ins.co.nila for 3yrs.dun sa 2nd at 3rd year kami dinale sa premium.mas mataas sa trusted insurance co. namin.although i admit my brother and my wife are the agents of this insurance co. In the long run cheaper yun sa amin and i can be sure na in case may claim madali lang po.

[philsat]

When we made our bank inquiry just months ago. We were at the same situation. We went with security.no free insurance. Reason was naka lock in ka sa ins.co.nila for 3yrs.dun sa 2nd at 3rd year kami dinale sa premium.mas mataas sa trusted insurance co. namin.although i admit my brother and my wife are the agents of this insurance co. In the long run cheaper yun sa amin and i can be sure na in case may claim madali lang po.

Yan ang problem sa bank.. Sa huli ka dadalihin minsan at hindi ka na makaka angal.. Kaya carefull sa pag sign ng contract. Yan din ang sinabi sa akin na friend kung sales agent ng car. Wag daw papa bulag sa mababang interest agad.. May pagkakataon na sa unang taon mo lang ma eenjoy ang mababang interest or monthly.. Then yayariin ka nila sa insurance nila na ubod g mahal..

[SkyFlakes88]

Yan ang problem sa bank.. Sa huli ka dadalihin minsan at hindi ka na makaka angal.. Kaya carefull sa pag sign ng contract. Yan din ang sinabi sa akin na friend kung sales agent ng car. Wag daw papa bulag sa mababang interest agad.. May pagkakataon na sa unang taon mo lang ma eenjoy ang mababang interest or monthly.. Then yayariin ka nila sa insurance nila na ubod g mahal..

That's why we must study the banks offer as a whole/package. Dun nyo po makikita kung saan talaga makakamura as a whole.don't be blinded by all the freebies coz when you compute everthing side by side you end up paying for it also. Kaya minsan lugi ka pa in the end.

[SkyFlakes88]

And regarding sa insurance po.if any po interested free naman po ang pag estimate pati yun mga extended help. In case anyone wants to ask questions po. [emoji4]

[SkyFlakes88]

*pillow^-^ ma'am yun po free na one month amortization is not really free po.mas mataas po ang interest rate nang loan nyo. Mas mababa po yun interest pag OMA or one month advance po ang payment. [emoji4]

[philsat]

That's why we must study the banks offer as a whole/package. Dun nyo po makikita kung saan talaga makakamura as a whole.don't be blinded by all the freebies coz when you compute everthing side by side you end up paying for it also. Kaya minsan lugi ka pa in the end.

Kung e susure ka ng bank na hindi mag babago ang monthly and interest mo hangang sa ma paid mo ang car at hindi ka e rerequire na mag insurance sa kanila e ok na deal yan sa bank.. Pero kung affecred ng inflation rate ang interest na offer nila e doon ka midyo kabahan... Kasi baka yung inaasahan mong 10k per month e maging 11k per month next year.. It happen to may condo. Sa unang taon lang 10k ako then nung 2nd year naging 10,500k na kasi tumaas daw ang imflation rate, then sa kanila pa ang insurance ko.. Malayo lang talaga ang difference ng inhouse at bank pag condo kasi sa inhouse 15k per month and inaalok lang nila ang in house sa mga walang requirements.