HELP: toyota finacing

[NarsMlvn]

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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[EQAddict]

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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[cast_no_shadow]

****. 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.

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.

[akosidab]

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.

[sirkosero]

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

[yebo]

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.

[dreamur]

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.

[Juan Martinez]

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.

[NarsMlvn]

Maraming salamat sa inyo mga sir. =( ako ang naiipit. Kasi pangalan ko ang nakataya. Sakit sa ulo.

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[Chrisgel]

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..