Auto loan..

[swim_fatale]

Kainggit naman yung mga nakakuha na ng car thru Auto Loan. Mag test drive pa lang ako ng cars this Sunday. Can't decide between Suzuki Celerio A/T or Kia Picanto A/T. Also still comparing bank interest rates. I'll be applying to Metrobank (where I have an account) and to BPI (where I don't). Sana ma-approve ang isa kahit may previous record ako sa Citibank.

[mamichula]

^ a lil OT - my family had a picanto which i borrowed before pag coding ang tipid tipid nya sa gas nakakatuwa! Mabagal nga lang sya pero kung city driving lang naman eh parati naman traffic sa city okay na din un. Super tipid!

Anyhoo we're getting na UCPB loan kahit mas mataas ng 400 petot ang monthly amor compared sa promo ng metrobank. Sobrang inefficient ng nakuha naming agent sa metrobank. She didn't tell us na maglealeave pala sya right after namin mag submit ng docs kaya pala her quotations eh sa personal email nya galing and she's using her phone to answer our emails plus super tagal pag magreply sa queries. May time pa na tawag kami ng tawag (Friday yun may pasok supposedly mga 10 am) hindi nya sinasagot ang calls. HIndi din sya nag rereturn calls. When we visited the branch naka leave daw ng isang buwan! And yung loan 2 weeks inabot bago na approve kasi nga pala naka leave pala sya so walang nag aaskikaso ng papers namin.

Until now na approve na di pa din nya inaasikaso. Isesend daw the requirements today hindi naman tinupad. Kaya wag nalang aanhin namin ang natipid na 400 pesos per month kung grabe naman sa kunsumisyon! Bka pag may questions kami in the future about the loan or the terms eh ang hirap nanaman nila hagilapin. And hindi naman sa kanila libre ang insurance they're offering a 29k insurance for the unit nvm! 

[swim_fatale]

^Naku sis saang Metrobank yan? Metrobank din kasi yung isa sa options ko pero yung marketing officer ko naka-leave din! Hindi kaya same tayo???

[gorgeous_me]

^^sis ako hindi naman naka-leave, pero ang tagal lang ng approval sa kanila, hehe, kaloka, tinawagan ako ng nag-asikaso ng papers ko, sabi daw baka mga tuesday pa, kasi marami daw nagpasa ng applications sa kanila, sa BPI family naman ang bilis lang, sa East West, na-approve ako dahil yung dealer ang nagpasa ng application ko sa kanila, hehe, titignan ko sana yung insurance nila, kasi mababa yung intereset rate nila, kung approve ako ng june, kaso kung malaki yung insurance nila, e baka hindi ko din kunin, required daw kasi na sa kanila kumuha, sa BPI family hindi naman

[mamichula]

^Naku sis saang Metrobank yan? Metrobank din kasi yung isa sa options ko pero yung marketing officer ko naka-leave din! Hindi kaya same tayo???

pasig parati naman ata nagleleave un mga un eh kasi nung kinulit namin yung  agent she gave us a number ng agent na pwede daw magasikaso kasi nga di sya available tapos nung hinanap namin yung person na binigay nya naka leave din! haay

[swim_fatale]

^Di pala tayo pareho ng Metrobank branch sis pero mahilig din mag leave yung marketing officer namin, LOL

[mamichula]

^baka ganun talaga sa kanila! hehe

Anyway question naman po sa mga nakapag avail na ng car loan. We paid na the downpayment chattel mortgage , plus they asked us to pay advance amortization. Pero we weren't given a copy of the documents we signed, are we supposed to get a copy? And they didn't give us resibo din for the 30% downpayment we paid, wala din resibo for the chattel mortgage and the advance amortization

Plus yung advance amortization applicable daw sa last month ng last year ng loan. Diba dapat sa first month yun kaya advance? Medjo I find this officer din from UCPB kinda hmmm kinda magulo din kasi she wants to visit my husband sa office. kukuha daw ng ibang magpapaloan? Is that normal?

Haha first kasi to deal with the banks sa car loan hehe dati drive lang ng drive before I got married.

[jhez]

I havr question... pag nagfall ng saturday yun due date and ill pay monday pa. Pwede ba yun?

[rhumbafrapp]

saan bank pinaka ok mag auto loan? rates-wise and yun mga nice deals?
Psbank? metro? bdo?bpi?


alam ko higher rate sa bpi but may free insurance if over 500k. sayang i want sana hugher DP para less yun sa monthy payments

[gorgeous_me]

^in my experience, mas mababa ang bpi family, compared sa bdo and metrobank, hindi lang ako nakapag-ask sa PSbank, then sa Metrobank, ang tagal ng approval, more than 2mos na yung application ko, wala pa ding update, hindi ko na finollow up, sa bpi family naman, 3hrs alng approved na ako, hindi ko din nakuha yung free insurance nila, hehe

[leicq]

I also got from bpi family bank...anf they offer free first year insurance if you're loan is 500k and up...okay naman their rates and very fast and efficient sila...

[femme_nikita]

Sino pa ang nag autlo loan sa UCPB? Ok ba mga sis?

[gHoDdEsS]

I also got mine through BPI; at that time, Metrobank's rate was lower plus my Tita was working there; however, I opted to go to BPI since even if I take the present value of the difference in interest payments, the value of the insurance is still higher.   

[rhumbafrapp]

thanks for the inputs!

[vanillamist]

Hi, magkano ba ang usual interest rate per year pag sa bank? Bpi, bdo, psbank.

Nagchecheck din ba sila pag may existing loan ka sa iba bank? May outstanding loan kase ko pero good payer naman ako. Kaso malaki pa balance ko sa loan na yun so baka di rin magustuhan bank?

I actually got an approval sa bpi pero through sales agent, so i assume na yun binigay na rate sakin ay malaki, as compared sa kung ako mismo mg aaply aa bpi? Yun agent kase nagpasa ng application ko, di na ako ni ci. 

Plase share kung magkano interest nyo per year and years to pay na din

[vanillamist]

Thanks sis.. Alam mo ba magkano rates bigay ng banks, say yearly rate for 5year loan? Gusto ko sana ako na lang.mag apply ng loan, pero prob mo baka di maaprove. Sayang naman kung palagpasin ko pa approval ko ngayon.


Sana may magshare kung how much  nakuha nyo po na rates. Thanks

[angeleigh]

Grabe ang bilis magapprove ng china bank at eastwest bank, kakatawag lang sakin, within the day approved na agad.

[dda]

^ganyan din sa BPI sis 4-6hours lang may approval na.

[Cheesecak3]

We got our new car through PS Bank, mabilis lang din ang approval.

[~yufa~]

If I applied for a loan at BPI ba will they also check my other monthly dues with other banks? I am thinking of not declaring them kasi since brother ko naman magbabayad. Medyo 1 year pa lang din kasi siya sa work so baka lalong madisapprove...

Gusto ko ng mag-apply ng auto-loan coz me and my brother want a car by Christmas. The thing is, I have existing credit card bills with monthly installments of up to 1/3 my current salary until June next year plus other balances. Good payer naman ako meaning on time though minsan minimum payment lang. Haay...Iniisip ko ano kaya chances na maaprove ako dun. Me and my brother are sharing the monthly installment if ever so sana maapprove.