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  1. NarsMlvn
    NarsMlvn is offline Verified Tsikot Member
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    February 12th, 2016 11:41 AM #21
    Maraming salamat sa reply ngo mga sirs. =( ilang araw na akong walang tulog kakaisip. Mag isa pa ako dito abroad. Ang sakit sa loob ng problemang ito. Hayst.

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  2. EQAddict
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    February 12th, 2016 11:51 AM #22
    You will be blacklisted by all banks for the next 9 years. Housing loan, car loan, credit card and personal loan. Find a way to sell the car and pay off the balance. Once nahatak iyan blacklisted ka na. Tapos delikado pa yung house na nagdownpayment ka na.

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  3. cast_no_shadow's Avatar
    cast_no_shadow
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    February 12th, 2016 11:59 AM #23
    Quote Originally Posted by NarsMlvn View Post
    ****. In connection with this. Maaring maapektuhan ang housing loan ko sa future? Right now kumuha ako ng house and lot package and fully paid ko ang downpayment. Kaso di pa naipapasok sa any housing loan na bank. Kasi yung project na kinuha ko sa subdivision ay di pa pwedeng ipasok sa housing loan. Kaya naka deferred payment ako for 1 year. Waaaahh. Maaring mareject ang housing loan ko sa hinaharap? Laki prob nito..

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    Awww sad to hear this bro.

    Quote Originally Posted by EQAddict View Post
    You will be blacklisted by all banks for the next 9 years. Housing loan, car loan, credit card and personal loan. Find a way to sell the car and pay off the balance. Once nahatak iyan blacklisted ka na. Tapos delikado pa yung house na nagdownpayment ka na.

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    Yep, wifey works in the bank (consumer lending) and I asked her about TS predicament, since every past due is recorded sa system may red flags ka na. Either hindi ka ma-aaprove or mahirapan ka humanap ka ng bank to finance you housing loan.

    If may in-house financing mo si developer yun na lang option mo.
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  4. akosidab
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    February 12th, 2016 01:49 PM #24
    Like what other said here, ang maganda talaga jan kung ndi nyo na kayang bayaran ay ibenta nyo nalang sa iba na kakilala nyo na willing mag continue.
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  5. sirkosero
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    February 12th, 2016 02:01 PM #25
    Quote Originally Posted by cast_no_shadow View Post
    Awww sad to hear this bro.



    Yep, wifey works in the bank (consumer lending) and I asked her about TS predicament, since every past due is recorded sa system may red flags ka na. Either hindi ka ma-aaprove or mahirapan ka humanap ka ng bank to finance you housing loan.

    If may in-house financing mo si developer yun na lang option mo.
    Dagdag pa, In case the bank do approve your loan, be prepared for very high interest rate. The bank will increase the rate to try to lessen their risk
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  6. yebo's Avatar
    yebo
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    February 12th, 2016 02:15 PM #26
    pa-compute mo outstanding balance for early termination of the loan. then benta mo sa 2nd hand car dealer. kahit wala ka na makuha na sukli basta intact ang credit records mo. hassle yan mabatakan ka ng kotse 10 years naka-record yan sa banking system di ka makakautang kahit saan.
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  7. dreamur's Avatar
    dreamur
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    February 13th, 2016 09:06 AM #27
    Quote Originally Posted by NarsMlvn View Post
    Naka autodebit po yung sakin eh. Di po naka PDC. My kaso pa din yun?

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    Kung may laman ang banko mo, tuloy ang deduction. Walang kaso. If walang laman, possibleng may kaso. Paging Atty. JM.
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  8. Juan Martinez
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    February 13th, 2016 11:53 AM #28
    Quote Originally Posted by NarsMlvn View Post
    Hmm. Ganun po ba? Pero kahit makuha nila ang sasakyan. My kaso.pa din ba yun? Nabasa ko na po yung nasa thread link ni sir liquid. Thanks.po sa mga response.

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    kung batas po ang batayan natin, yes, kasi ganyan ang chattel mortgage, the mortgagee (toyota in-house) can still go after the mortgagor (yung nag sangla ng sasakyan) for the balance. BUT most of the time, for practical reason because you can no longer squeeze water from a stone, di na mag file yung mortgagor kung nahila na nila yung sasakyan. PM me if you have things to be clarified.
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  9. NarsMlvn
    NarsMlvn is offline Verified Tsikot Member
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    February 13th, 2016 09:43 PM #29
    Maraming salamat sa inyo mga sir. =( ako ang naiipit. Kasi pangalan ko ang nakataya. Sakit sa ulo.

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  10. Chrisgel's Avatar
    Chrisgel
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    February 14th, 2016 09:43 AM #30
    Sir sayang po, magkaka-bad record kayo , pahirapan magloan in the future. Kung ako po e mag cash loan nalang kayo jan sa work nyo then pay off the car in full, tapos benta nyo po..
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  11. dreamur's Avatar
    dreamur
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    February 14th, 2016 12:39 PM #31
    Mahirap na kung masisira ung bad record natin...lol!
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  12. dr. d
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    February 14th, 2016 01:43 PM #32
    but i am curious...
    what made TS believe his brother could maintain the monthlies?
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  13. dreamur's Avatar
    dreamur
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    February 14th, 2016 03:49 PM #33
    Quote Originally Posted by dr. d View Post
    but i am curious...
    what made TS believe his brother could maintain the monthlies?
    I think it's the other way around doc - the brother thinks TS has the capacity to pay until the loan is fully extinguished...
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  14. dr. d
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    February 14th, 2016 03:52 PM #34
    Quote Originally Posted by dreamur View Post
    I think it's the other way around doc - the brother thinks TS has the capacity to pay until the loan is fully extinguished...
    of course! OCW siya!

    ...may tawag sa kapatid na ganyan...
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  15. NarsMlvn
    NarsMlvn is offline Verified Tsikot Member
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    February 14th, 2016 04:23 PM #35
    Hay. No choice kundi nag delehensya ako ngayon ng pambayad for 3months. From january to march. Inaaway ko na kapatid ko. If di na nya talaga kayang bayadan..much better na ibenta na lang or ipabatak na lang. Kesa maghulog pa ako na inutang ko pa dito. Badtrip.

    Salamat sa mga feedbacks mga sir.

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  16. yebo's Avatar
    yebo
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    February 14th, 2016 04:37 PM #36
    Quote Originally Posted by dr. d View Post
    of course! OCW siya!

    ...may tawag sa kapatid na ganyan...
    palamunin
    tagasahod
    batugan
    nakasandal sa pader (tatay). or mader, brader, sister, pinsan...

    basta, lahat sila makakapal ang mukha at daig pa yung nasa abroad
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  17. NarsMlvn
    NarsMlvn is offline Verified Tsikot Member
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    February 14th, 2016 05:07 PM #37
    Nagipit lang talaga now kapatid kong yun. Pero napakabait nya. Kaya di rin ako makatiis na mag help. At isa na din dahilan din eh sakin nga nakapangalan. Hay.

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  18. shadow's Avatar
    shadow
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    February 14th, 2016 05:31 PM #38
    Quote Originally Posted by NarsMlvn View Post
    Nagipit lang talaga now kapatid kong yun. Pero napakabait nya. Kaya di rin ako makatiis na mag help. At isa na din dahilan din eh sakin nga nakapangalan. Hay.

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    Ok lang yun. Kapatid mo naman.


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    KenGarcia
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    February 14th, 2016 05:54 PM #39
    Quote Originally Posted by NarsMlvn View Post
    Nagipit lang talaga now kapatid kong yun. Pero napakabait nya. Kaya di rin ako makatiis na mag help. At isa na din dahilan din eh sakin nga nakapangalan. Hay.

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    La na tayo magagawa anjan na. Blood is thicker than water, kapatid yan eh.
    Charged to experience nalang. Hindi nyo rin siguro inaasahan na aabot kayo sa ganyan nung kumuha kayo ng car loan. Be smart, mas maganda kung may extra funds yung kapatid mo na nakatabi for emergency. Delikado kasi talaga kung walang nakatabi kasi di natin mappredict ung monetary problems na pwede natin ma encouter.

    Ika nga ni Moderator Jut, endless money pit ang kotse. Monthly amortization, gas, toll, maintainance, rehistro and etc.
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  20. NarsMlvn
    NarsMlvn is offline Verified Tsikot Member
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    February 18th, 2016 02:42 AM #40
    Salamat sa mga feedbacks mga sir. Hayst.

    Nangutang na kami mag asawa para di maapektuhan ang credit history ko for future use kasi sa housing loan ko. Hayst. For 3months.ulit babayaran ko til march. Plus expired na din ang insurance..

    Any advise naman kung ano maganda?

    Naka mafpre ako. And now nag paqoute ulit ako. 24k+ ang premium at 3k deductible.

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