2016 Toyota Innova

**mox646** · October 11th, 2017 11:48 AM

Mga sir effective ba talaga jan. 1, 2018 yung excise tax? Kung 1.4m price ng inno mga how much ang additional nya plus new tax?

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**hunnie08** · October 12th, 2017 05:35 AM

Good deal na ba ang nakuha ko sa toyota financial? free na kasi ang insurance at chattel mortgage nya e. Kinompare ko sila sa metrobank promo mas mura pa rin nabigay ni TFS. 40% dp kami at 60mos to pay lalabas nasa 13k na lang ang Innova.
Mura ang monthly ni metrobank ng less than 300 pero kasi di libre ang CM at Insurance so in total mas mura pa rin si TFS

Bank
Innova J Diesel MT
Selling Price 1,056,000.00
DP 40% 422,400.00
Loan Amount: 633,600.00
5yrs 12,962.66
total loan payables 777,759.60
interest for 5yrs 144,159.60
Total unit price 1,238,159.60
LTO -8,200.00
CM 14,000.00
Compre Insurance 24,000.00
cash discounts -10,000.00
Total price 1,228,159.60

DP 422400
compre 14000
insurance 24000

Cashout 460,400.00

CASA
Innova J Diesel MT
Selling Price 1,056,000.00
DP 40% 422,400.00
Loan Amount: 633,600.00
5yrs 13,250.00
total loan payables 795,000.00
interest for 5yrs 161,400.00
Total unit price 1,175,689.00
LTO -8,200.00
CM -17,216.00
Compre Insurance -24,495.00
cash discounts -5,000.00
Total price 1,212,400.00

dp 417,400.00
13,250.00

430,650.00

**Walter** · October 12th, 2017 06:47 AM

For a small difference in total cash out, go with the bank that has better service and that you are comfortable transacting with ...

**tidus1203** · October 12th, 2017 09:20 AM

Originally Posted by hunnie08

Good deal na ba ang nakuha ko sa toyota financial? free na kasi ang insurance at chattel mortgage nya e. Kinompare ko sila sa metrobank promo mas mura pa rin nabigay ni TFS. 40% dp kami at 60mos to pay lalabas nasa 13k na lang ang Innova.
Mura ang monthly ni metrobank ng less than 300 pero kasi di libre ang CM at Insurance so in total mas mura pa rin si TFS

Bank
Innova J Diesel MT
Selling Price 1,056,000.00
DP 40% 422,400.00
Loan Amount: 633,600.00
5yrs 12,962.66
total loan payables 777,759.60
interest for 5yrs 144,159.60
Total unit price 1,238,159.60
LTO -8,200.00
CM 14,000.00
Compre Insurance 24,000.00
cash discounts -10,000.00
Total price 1,228,159.60

DP 422400
compre 14000
insurance 24000

Cashout 460,400.00

CASA
Innova J Diesel MT
Selling Price 1,056,000.00
DP 40% 422,400.00
Loan Amount: 633,600.00
5yrs 13,250.00
total loan payables 795,000.00
interest for 5yrs 161,400.00
Total unit price 1,175,689.00
LTO -8,200.00
CM -17,216.00
Compre Insurance -24,495.00
cash discounts -5,000.00
Total price 1,212,400.00

dp 417,400.00
13,250.00

430,650.00

Well if sure ka that after you did your math the in house is cheaper overall then go ahead get the in house one.

Feel ko recently mas lumalaban na nga yung mga dealer financing sa bank kasi maybe alam na nila mas matalino na din consumer and its common knowledge mas mura sa banks. Minsan konti na lang minahal nila tapos they throw in some freebies like insurance to entice you so ok na din.

**Wh1stl3r** · October 12th, 2017 09:25 AM

You can haggle with the bank if you haven't already. The rates are negotiable most of the time. They will just ask their higher ups for a lower rate. Better if you show them a lower quote.

**mox646** · October 14th, 2017 02:28 PM

Anong 3m tint po bagay sa white pearl? Sa heat rejection malayo ba difference nya sa vkool? Yung isang car ko kasi naka vkool k
Series. Ok ang heat rejection nya. Free naman yung 3m kung ok yun na lang. hindi daw pwede palitan ng ibang accesories. Ok lang ba kung black yung side tapos magic tint sa windshield?

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**red_one** · October 14th, 2017 03:27 PM

Originally Posted by mox646

Anong 3m tint po bagay sa white pearl? Sa heat rejection malayo ba difference nya sa vkool? Yung isang car ko kasi naka vkool k
Series. Ok ang heat rejection nya. Free naman yung 3m kung ok yun na lang. hindi daw pwede palitan ng ibang accesories. Ok lang ba kung black yung side tapos magic tint sa windshield?

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Depende sa series ng tint. Compare mo ang TSER value para ma-compare mo ang 3M at V-Kool. Nasa websites nila ang mga specs.

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**crackeroats** · October 18th, 2017 10:23 PM

Originally Posted by hunnie08

Good deal na ba ang nakuha ko sa toyota financial? free na kasi ang insurance at chattel mortgage nya e. Kinompare ko sila sa metrobank promo mas mura pa rin nabigay ni TFS. 40% dp kami at 60mos to pay lalabas nasa 13k na lang ang Innova.
Mura ang monthly ni metrobank ng less than 300 pero kasi di libre ang CM at Insurance so in total mas mura pa rin si TFS

Bank
Innova J Diesel MT
Selling Price 1,056,000.00
DP 40% 422,400.00
Loan Amount: 633,600.00
5yrs 12,962.66
total loan payables 777,759.60
interest for 5yrs 144,159.60
Total unit price 1,238,159.60
LTO -8,200.00
CM 14,000.00
Compre Insurance 24,000.00
cash discounts -10,000.00
Total price 1,228,159.60

DP 422400
compre 14000
insurance 24000

Cashout 460,400.00

CASA
Innova J Diesel MT
Selling Price 1,056,000.00
DP 40% 422,400.00
Loan Amount: 633,600.00
5yrs 13,250.00
total loan payables 795,000.00
interest for 5yrs 161,400.00
Total unit price 1,175,689.00
LTO -8,200.00
CM -17,216.00
Compre Insurance -24,495.00
cash discounts -5,000.00
Total price 1,212,400.00

dp 417,400.00
13,250.00

430,650.00

Seems better ung in-house dito by a small margin. or did i miss something? (See attached computation)

**crackeroats** · October 18th, 2017 10:33 PM

Originally Posted by tidus1203

Well if sure ka that after you did your math the in house is cheaper overall then go ahead get the in house one.

Feel ko recently mas lumalaban na nga yung mga dealer financing sa bank kasi maybe alam na nila mas matalino na din consumer and its common knowledge mas mura sa banks. Minsan konti na lang minahal nila tapos they throw in some freebies like insurance to entice you so ok na din.

Would like to know sana if may restrictions ba kung in-house vs bank?

- must ba na sa kanila ka kukuha ng comprehensive insurance?
- may certain mileage ba na maximum per month/year?
- in case of missed payments/delay, kukunin na ba agad nila ang unit sa bahay mo, with our without your consent?

**tidus1203** · October 19th, 2017 09:06 AM

Originally Posted by crackeroats

Would like to know sana if may restrictions ba kung in-house vs bank?

- must ba na sa kanila ka kukuha ng comprehensive insurance?
- may certain mileage ba na maximum per month/year?
- in case of missed payments/delay, kukunin na ba agad nila ang unit sa bahay mo, with our without your consent?

In any loan whether bank or sa dealership you are required to get comprehensive insurance. Cause its not your car yet so if something happens they are protected too. Its a matter on who you will be required to get it from. Normally from the dealer or the banks partner or the bank itself if they sell insurance.

No there is no maximum mileage, its not a lease its a mortgage.

Di ko alam about repossession procedures. I will let others answer that...