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Author Topic: Auto loan..  (Read 33268 times)

roxybrat

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Re: Auto loan..
« Reply #20 on: November 27, 2012, 05:39:53 PM »
^sis san yan 26.8% for 5 yrs? ako kasi nag inquire kanina lang sa bdo 29.13% for 5 yrs ang binigay.. natataasan ako.. suggest naman kyo mga sis san mababa na bank magbigay? gusto ko sana punta sa psbank kaya lang medyo malayo smen, kung eastwest bank wait ko pa opening ng malapit sa house namen.. :)
"Lets turn our mistakes into lessons and our fears into hopes. We should have a faith in ourselves and keep strong!"

aka_formality

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Re: Auto loan..
« Reply #21 on: November 29, 2012, 08:21:12 PM »
Hi sis, try mo inquire sa metrobank sis. yan rate binigay nila.

Yui_21

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Re: Auto loan..
« Reply #22 on: December 30, 2012, 01:02:01 AM »
ako hindi na-approve ng kahit anong bank...reason is my co-maker (husband) has bad credit record in citibank...so walang tumanggap saming bangko kahit PSBANK..so sad..kahit nga yung mga in house pinatos na namin ganun pa din..oh well..no choice but to avail a car in full cash or second hand..  :'(
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leicq

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Re: Auto loan..
« Reply #23 on: January 10, 2013, 10:54:51 AM »
It's quite fast. BPI's process was fast and easy, I applied online on a Monday and got the approval the following day. No documents required until you actually avail of the loan and sign the papers. Their rates were quite good also. :)

@Yui_21, my husband also had a bad credit history but we were able to get an approval naman. Maybe it helps if you have an account with the bank (like I did with BPI.)

Yui_21

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Re: Auto loan..
« Reply #24 on: January 10, 2013, 11:06:08 PM »
^sis I have current and savings account sa BPI..even our payroll (hubby and I) is BPI but they didn't approve my loan due to bad credit nga daw ni husband..oh well, maybe it's not really for us (buy new car).. :(
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dda

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Re: Auto loan..
« Reply #25 on: February 12, 2013, 09:44:45 AM »
Nagpaquote ako sa BPI kahapon ng MIRAGE
taxfree kasi yung car so the price we got from CarWorld is from original price 548K, our price less tax and company discount is 471,400.

BPI
DP 94,280.
36 mos - 12,107
48mos - 9538.
60mos - 8072.

Di pa ako sure sa Mirage kasi parang di ako nagandahan sa interior nya, Other choices ko SPARK (wait ko muna yung new spark na ilalabas this march), CELERIO and PICANTO.

Any suggention? Budget ko is 600k below, pang city driving lang mostly pang mall at panghatid ng mga kids sa school.
« Last Edit: February 12, 2013, 09:48:17 AM by dda »

dda

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Re: Auto loan..
« Reply #26 on: February 12, 2013, 04:38:02 PM »
^sis yung quotation na yan less tax kasi ipapasok ni hubby sa company nila located sa clark kaya tax free.. Sayang kasi yung discount pero ako magbabayad at personal use ko yung car.

If not tax free, regular price sya na 548k kaya mas mataas yung computation.

« Last Edit: February 13, 2013, 10:22:19 AM by dda »

dda

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Re: Auto loan..
« Reply #27 on: February 12, 2013, 05:28:52 PM »
20years na si hubby sa company and 2nd car na namin ito at yung una car loan naman sa company at malapit na matapos. Ok naman yung company nila at halos dun na tumanda si hubby kaya alam na niya na safe yung gagawin namin. Anyway thanks sis sa advice.

pumpkin13

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Re: Auto loan..
« Reply #28 on: February 13, 2013, 04:46:08 PM »
^sis, nagapquote din kami ng Mirage sa BPI. Pero we want a bigger downpayment para mas maliit lang yun monthly payment. Here's what we got:

DP: 30%
5yrs: approximately 7.5k monthly

When BPi called again kanina, ang downpayment amount is around P168k pero since may LTO registration pa and etc, aabot sa P200k ang upfront payment. Masyado na malaki, baka hindi na kayanin.

Any other option kaya?
Sometimes, it takes a great good fall to know where you really stand.

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pumpkin13

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Re: Auto loan..
« Reply #29 on: February 13, 2013, 05:09:48 PM »
^oo nga sis eh. kami kasi ang nagsabi ng 30% kasi habol namin talaga is yun lower monthly payment kasi 5 years din yun. We just didn't expect na on top of the DP, ma malaki pang fees na aabutin na kami ng 200k.  :(
Sometimes, it takes a great good fall to know where you really stand.

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dda

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Re: Auto loan..
« Reply #30 on: February 13, 2013, 08:17:06 PM »
^yung mirage kasi dipa ALL IN dun sa 548k. Insurane, lto and chattel mortage aabot ng 46k.
Ako din mas gusto ko yung mababa yung monthly pero ang sakit sa bulsa ng higher DP.

Wait ko lang muna yung 2013 SPARK, irerelease daw ng march before ako magdecide kung ano kukunin ko. Ang ganda kasi ng interion ng sparl compare sa mirage na sobrang simple.

roxybrat

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Re: Auto loan..
« Reply #31 on: February 14, 2013, 07:53:19 AM »
i availed an all in package thru honda agent.. honda city 2013 1.5E kinuha ko.. send my requirements nun monday then approved by tuesday tapos nag dp na ko yesterday at nauwi ko rin agad un unit.. ang bilis ng pangyayari! not bad for me un nakuha kong deal, free lto,chattel, insurance. tapos un accessories like sensor, sun visor, tint free din.. i compared the quotation given by bank vs agent halos same lang ang ilalabas ko na pera.. less hassle pa kc no need na SPA ni hubby (OFW).. :)
« Last Edit: February 15, 2013, 08:17:12 AM by roxybrat »
"Lets turn our mistakes into lessons and our fears into hopes. We should have a faith in ourselves and keep strong!"

mgeoffrey_88

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Re: Auto loan..
« Reply #32 on: March 20, 2013, 09:13:15 AM »
Hi!

We also applied for auto loan. One day lang approve na agad sa BPI. Before, Mirage and Vios ang pinagpipilian namin. After much consideration, we chose Vios.

Sa banks, pinakamababa ang bigay sa amin ng UCPB. Ok din BPI, but for BDO medyo mataas ang rate na binigay nila.

cinnam

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Re: Auto loan..
« Reply #33 on: March 29, 2013, 06:09:49 PM »
Hi, if mag apply ng bpi car loan, may collateral ba? guarantor?
« Last Edit: March 29, 2013, 06:13:43 PM by cinnam »

dda

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Re: Auto loan..
« Reply #34 on: April 29, 2013, 06:24:52 AM »
^ako sis nagapply ng friday 10am sa BPI, nagfillup ng application form then 1pm tinawagan ako ng BPI, interview then 5pm tinext ako ng BPI approved na.. pero undecided pa rin kung ano car kukunin ko. Di ko expect na ganun kabilis yung process ng approval.  ;D

Walang guarantor, collateral, documents na hiningi siguro dahil may savings account ako sa kanila at dun din pumapasok ang payroll ko.

gHoDdEsS

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Re: Auto loan..
« Reply #35 on: May 22, 2013, 07:31:20 PM »
^Sis, anong mga docs ang kelangan? Plan ko rin kasi sa BPI, did they ask for bank statement pa ba or look into your BPI account? Payroll lang kasi [textspeak!] sa BPI ko, savings are in other bank. Salamat :-)

dda

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Re: Auto loan..
« Reply #36 on: May 23, 2013, 08:15:35 PM »
^wala silang documents na hiningi basta sabi ko dun pumapasok yung payroll ko at meron din ako passbook account sa kanila..

paalis na nga ako nun tapos sabi ng manager fill-up ko na daw yung applicatin form... natawa ako kasi ang bilis ng process nila, approved kaagad!.. wala pa akong plan that time kung anong car ang kukunin ko.

April 26 ako nagapply.approved then May 19 ko pa kinuha car (Mitsubishi Mirage GLS).

co-maker pala si husband.
« Last Edit: May 23, 2013, 08:18:43 PM by dda »

gHoDdEsS

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Re: Auto loan..
« Reply #37 on: May 24, 2013, 07:51:34 AM »
^Thanks, Sis. How about mga ITRs and certificate of employment? May I also know how the process was? After loan approval, magcacanvass ka na ng branch kung saan ka bibili? Then bank na magp-prepare ng Purchase Order, ganun ba yun? Thanks!

dda

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Re: Auto loan..
« Reply #38 on: May 25, 2013, 10:48:16 AM »
Mas maganda befor ka pumunta ng bank alam muna yung car na kukunin mo kasi isusulat dun sa application form yung car, price, DP and monthly.

Yung sakin Mirage na yung pinacompute ko nung nag-apply ako since yun yung car ng friend ko, yun na yung pinacompute ko.. in the end yun din ang kinuha ko :)

Pag approved na, bank na yung makikipagusap kay dealer at ikaw kukunin mo nalang yung car at pay ng DP sa dealer.

ITR lang pero si hubby ang hiningan dahil wala ako kasi online job ako.

Nung kinuha namain yung car hiningan ako at hubby ng 2 valid ID.
« Last Edit: May 25, 2013, 10:53:13 AM by dda »

gorgeous_me

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Re: Auto loan..
« Reply #39 on: May 25, 2013, 04:37:42 PM »
^sis, anong kasama ng auto loan, kasama ba yung LTO etc.? thanks

 

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