Auto loan..

[chiqmom]

the dealer from hyundai helped me secure a loan sa PSBank. Madali naman process.

[Cheesecak3]

Medyo mahigpit na rin sila ngayon sa ITR kaya dapat meron talaga.

[rairaitei]

I'm planning to buy a car this January pero my problem is wala naman akong documents/requirements kasi freelancer ako. Ang Government IDs ko passport and driver's license lang.
The only proof na pwede ko mapakita [textspeak!] mga bank statement ko na everyday may mga pumapasok na pera sa account ko.

Do you think ma-approve ba ako? Mabilis kaya mapoprocess? I'm planning sa BPi mag loan.

[Lady Shiva]

Question mga sis, I just got approved for an auto loan. I applied through a toyota dealer, but I got an offer on a second hand car na super panalo from my uncle who owns a car shop. It can be through financing also. Is it possible to transfer auto loans by talking to the bank?

[~yufa~]

Gaano po kabilis yung sinasabi niyong "mabilis"? Kasi I applied for an inhouse autoloan last Saturday sa Toyota. Tapos yesterday I was surprised to receive a text from PSBank about an autoloan kasi nga I applied for an inhouse. I got a call from them last night as in 8PM. Then today, someone from Toyota Financing called me about my autoloan din. Ano ba yun? Ibig sabihin I got denied sa PSBank?

[~yufa~]

^wala pa. ang text lang naman na narereceive ko ay something like "we are processing...and we will update you". Last Thursday (afternoon) lang naman tumawag sa akin kaso based sa mga nababasa ko dito, hours lang alam na nila results nila. I'm just not sure kung dahil BPI yun and mine is PSBank. Wala pang pinapa-pass sa aming requirements yung agent. Pinafill-up lang kami ng form and then sabi pag-approve na yung loan, tsaka na lang kami mag-pass ng requirements. How fast yung sayo sis?

[~yufa~]

^ow OK. So parang in 2 days OK ka na no? Sa akin kasi sabi dad ko nung Friday daw may pumunta daw dito to check kinwento sa kanya ng mga kapitbahay namin. Since walang tao dito kasi pumapasok kami, neighbors namin nakausap. And ang nakakaasar kasi sinabi nila yung reason sa mga kapitbahay namin na nag-aapply ako for car loan sa kanila. Diba dapat confidential yun? Anyway, I am hoping na weekend kasi ngayon kaya wala akong updates na nakukuha. Hopefully I'll receive a good news tomorrow.

[roxybrat]

Ah, actually nakita ko rin na kinausap kapitbahay ko.. Confirm lang kung gaano na ko katagal nakatira dito talaga.. Antay antay ka na nga lang sis.. Goodluck..

[miss understood]

We are also applying for an auto loan. Went to ford kaninang umaga, then pagkahapon tumawag na ang PS Bank. Di tumawag ang eastwest bank  I asked ford kung pwede sa BPI, sabi niya mas malaki daw sinisingil ng BPI.

Hay, sana maapprove siya agad. 

[~yufa~]

^^ Hi Sis . I got approved this morning. PSBank and in-house. But I chose in-house kasi nandun yung usapan namin nung agent na discount. Yehey! First car! Can't wait! Wala pa nga lang available na color na gusto ko. But still. Happy Monday

[ezonme]

pano pag walang ITR, walang chance mag loan? I work online lang.. all I can provide is monthly paylsip and independent contractor form

[miss understood]

Yehey, approved na kami.

Okay po ba to?

1.578 M
- downpayment 158k with free lto, chattel, insurance
- 31,808 monthly

[chefron]

anyone applied from east west?

[miss understood]

BPI vs. PSBank - interest rate

http://www.filedropper.com/bpivspsbank

Wag maakit sa free ek ek, kasi kahit na ibabawas pala ang LTO and chattel mortgage, laki pa rin ng difference. sayang din yun.

[roxybrat]

^sis for 5 yrs ba yan 31,808 na monthly mo? Un 1.578M yan ba yun worth ng sasakyan na kukunin mo?

[miss understood]

yes. Ford everest 4.2 a/t limited, kasama na dun ang freight.

[chelvin26]

pano pag walang ITR, walang chance mag loan? I work online lang.. all I can provide is monthly paylsip and independent contractor form

Hi, up ko lang to sisses. Homebased din ako, and saan ba yung mga car dealership na may in house financing? We're planning to purchase a car kaso we're both homebased, baka hindi lang maaprove diba,

[Peterallister]

Lenders of the market are now offering automobile financing for people having bad credit also. This kind of financing is making the loan market more flexible and giving opportunity to all borrowers driving their own car with lasting smile.

[~yufa~]

Hi, up ko lang to sisses. Homebased din ako, and saan ba yung mga car dealership na may in house financing? We're planning to purchase a car kaso we're both homebased, baka hindi lang maaprove diba,

Mine is Toyota. They have their own "subcompany" called TFS (Toyota Financial Services). Kaso I feel like kaya lang ako naapprove kasi nagawa na lahat ng PSBank ang work nila then when PSBank approved my loan, I texted my agent then in 5 mins he informed me that I got approved din daw sa TFS. Wala feeling ko lang naman haha.

[~yufa~]

^Thanks sis.  So freaking happy kahit wala pa yung car. Di pa available yung color na gusto ko ngayon eh 2nd-3rd week pa daw ng November magiging available but what the hell right? Basta iniintay ko na lang haha. Yup me and my brother compared it sa iba. Nung pagpunta pa lang namin dun sa Toyota 2 weeks ago ni-negotiate na namin. Lower down and lower monthly. We showed them various computations from different financial institutions/ dealers so ayun they tried to be "competitive" a.k.a tinapatan nila yung mga iba. haha. Sabi nung agent kasi something about dealer discount kasi and may quota sila monthly diba? Parang if ever, pag naapprove kami, quota din sila hehe. So ayun. They did everything to reach their quota. =))