Author Topic: Auto loan.. (Read 159961 times)

Fluffyheart · « **Reply #140 on:** January 21, 2015, 08:59:25 pm »

Yep! Sobrang bilis ng PS bank. Minsan nakukuha nila ng one day approval. Kudos to that!

Iridescent · « **Reply #141 on:** February 18, 2015, 02:27:19 pm »

How to compute for the Chattel mortgage?

PrincessC · « **Reply #142 on:** February 25, 2015, 10:22:27 pm »

Quote from: gorgeous_me on September 11, 2014, 06:39:50 pm

pano po ba ang next process kapag finully paid na yung auto loan?
may pre termination fee po ba? malaki ba yun?

ano po ba dapat na makukuha na mga original documents?

ewan ko if nasagot na ito but i found something helpful: https://www.linkedin.com/pulse/20141104000757-54457979-steps-to-do-after-the-full-payment-of-your-auto-loan

dcpdane · « **Reply #143 on:** April 01, 2015, 08:04:31 am »

hi sisses, might be ot, pero push ko na rin if ever may similar story sakin dito.

co-maker ako ng autoloan ng mom ko. di na nya kayang bayaran at baka ipahatak na nya next month. before the year ends naman, we are scheduled ni fiance to apply for a home loan kasi matatapos na DP namin sa AVIDA.

dahil sa bad autoloan ng mom ko where i am the co-maker of, may chances pa kayang mapprove kami ng home loan ni fiance?

rcbc bank ng mom ko. bpi/bdo naman plano namin i-home loan ni fiance...

gusto ko sana maglabas ng sama ng loob dito sa forum pero super OT na haha. i just tried to be a good daughter, agreed to her wants for a car and then i get this --- a nearly ruined name for all the banks to see. now that fiance and i are preparing for our future, baka mabulilyaso pa dahil lang sa autoloan ng mom ko... im really scared and somewhat depressed sa nangyayari. 14% inhouse ng avida at di namin kaya yun.

geekgurl · « **Reply #144 on:** April 01, 2015, 02:35:19 pm »

mga sis, medyo OT pero ask ko lang okay ba kung trade in na lang yung car or benta na lang. I have Honda 2009 M/T and balak ko magSUV na A/T kasi masakit na paa ko kakadrive ng manual. Pano ba yung process ng trade in?

tsokolat · « **Reply #145 on:** April 04, 2015, 09:24:05 pm »

@dcpdane- i think lalabas yun record na may replevin case ka pag chineck sa cmap\nfis ang name mo kung ipapahatak nyo talaga un sasakyan.

rhumbafrapp · « **Reply #146 on:** April 05, 2015, 08:58:54 am »

Saan bank Ba OK ang rates? Want sana auto loan pero max na siguro 2yrs. Mataas kasi interest pero saan bank Ba lowest? If icacash KO kasi angbigat agad

tsokolat · « **Reply #147 on:** April 05, 2015, 12:02:10 pm »

^sis try mo magcanvass ng rates bpi, psbank, security bank and ask for computation and then compare.

dcpdane · « **Reply #148 on:** May 19, 2015, 07:45:09 am »

hi sisses, just an update... ang intindi ko is isinoli na ng mom ko ang sasakyan namin. i don't know how she did it e naka-name sa amin ng sis ko. they are coordinating, i think. at walang hiningi na docs or never also asked me to sign anything as a co-maker for the car's release. basta ang sabi lang nya, isosoli na raw nya at isinoli na nya. mahirap kausap mom ko sa ganito. when i ask for concrete details, pabalang at pasigaw lagi sya sumasagot, wala ka talaga mahuhugot na actual detail or information. defensive sya no matter how calmly you ask her.

now my question is.... claim sya ng claim na ang sabi daw sa kanya nung taga RCBC e since voluntary daw nila isinoli/isosoli at wala naman daw halos late payments, wala daw ako magiging bad record as co-maker from that auto loan. is this 100% true? ayaw nya sabihin anong branch ng rcbc sila nakipagusap nor anong name at contact details nung kausap nila. wala talaga ako way to know the concrete details of her/their transactions unless i spy on her things.

hindi talaga kami okay ng mom ko because she keeps things from me because she knows i am rational enough to weigh in pros and cons. go kasi sya ng go sa mga financial obligations, lagi pinapasa-diyos ang mga bagay. which is not bad naman. if you choose to believe in god, go. but don't expect him to save your as* for every glaringly wrong financial decision you make for yourself. now she's getting na naman a new van with my sister. tumanggi na ako as co-maker. i just really want to have a peace of mind na wala akong record. sabi ko sa kanya humingi ng docs from bank stating na free na kami of any obligation. para black and white documentation hindi word of mouth lang nya/nila. sympre nagalit at naging defensive so asa na lang akong makita nya ang reasoning behind it. lol.

second question is tama ba assumption ko na may docs/certificate dapat ibigay ang RCBC to state na free na kami of any bad record or obligation? and really just wanna know your personal experiences kung talagang walang bad record pag volunteered surrender ng sasakyan. thank you so much sisses.

Fluffyheart · « **Reply #149 on:** June 16, 2015, 08:16:22 pm »

^hi sis, i thought kay mother nakapangalan yung sasakyan? Bakit naging sa inyo ng sis mo?
Tpos bakit ikaw ang comaker, asan si father?

The only way to know sis kung madedecline ka is to apply for auto loan under in house financing. Married ba kayo ni hubby? Kay hubby mo na lang ipangalan then comaker ka.

kittycat228 · « **Reply #150 on:** June 16, 2015, 08:39:04 pm »

magkakaroon ng negative findings si borrower at co-borrower whether isinoli yung car or not. kahit mabayaran pa in full yung loan at may ibigay na certification ang bank na free na kayo from obligation, lalabas pa rin sa mga negative database pag nag credit investigation mga banks. for in house financing, alam ko di masyado maselan.

mysterioza_me · « **Reply #151 on:** June 28, 2015, 04:30:53 am »

Halos same problem namin ni sis dcpdane. CC debt naman yung sa kin pero settled na almost a year ago. Now I'm planning to get a car loan kaso worried ako na pagnag-run ng credit check sa bank magreflect pa rin ang name ko sa CMAP maski paid na ko

SOFIEMAE · « **Reply #152 on:** June 28, 2015, 11:03:01 am »

Sis nothing to worry basta may pang DP ka at malaki naman salary mo to avail the car loan maapprove ka

iba ang cc at car loan approval. Kasi sa car loan may DP ka naman tapos may kukunin silang car kung hindi kana maka bayad... anyway fully paid kana rin naman sa cc deliquency mo... try mo na mag apply...

mysterioza_me · « **Reply #153 on:** June 28, 2015, 06:45:17 pm »

Thanks sis Sofiemae, lumakas na ang loob ko

.

SOFIEMAE · « **Reply #154 on:** June 29, 2015, 08:46:06 am »

^papasa ka dyan sis dont worry kasi ako dati may cc delinquency din before nasa CMAP pa pero same BDO at BPI parehong approved yung car loan application ko... another example yung officemate ko naman hindi pa nga fully settled sa cc delinquency niya til now, pero na approved din siya sa psbank 1 month lang narelease na yung car niya

Fluffyheart · « **Reply #155 on:** June 29, 2015, 10:37:02 am »

Yung nagtanong ng chattel computation, some use the formula monthly payment multiply by terms (kung ilang months mo huhulugan) multiplied by 2.5 %
Pwede rin 2%

hearty_flakes · « **Reply #156 on:** September 17, 2015, 02:08:31 am »

Hi sis how long is the loan application? Malapit na mag2weeks un application ko but no updates pa din. Tumawag sakin si PSBank and East West texted naman but wala ng follow through.

I'm worried baka di ako maapprove.

DaenerysStormborn · « **Reply #157 on:** November 26, 2015, 09:08:22 pm »

Hi @Rairaitei. Natuloy ka bang mag car loan? kami din kasi ng bf ko home based ang work.

amethyst028 · « **Reply #158 on:** December 08, 2015, 10:25:25 am »

question regarding auto loan is it true na yung ma approve na monthly hulog mo is 40% of your gross monthly income? kasi alam ko sa housing loan ganon e, may percentage lang ng monthly income mo para sure na hindi ka mahihirapan sa payment.

i'm thinking of getting a car loan for brand new and cash for second hand.

DaenerysStormborn · « **Reply #159 on:** December 09, 2015, 07:56:35 am »

Ang sabi sa amin nung dealer dapat daw 3x ng monthly salary mo

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Author Topic: Auto loan.. (Read 159961 times)

Fluffyheart

Iridescent

PrincessC

dcpdane

geekgurl

tsokolat

rhumbafrapp

tsokolat

dcpdane

Fluffyheart

kittycat228

mysterioza_me

SOFIEMAE

mysterioza_me

SOFIEMAE

Fluffyheart

hearty_flakes

DaenerysStormborn

amethyst028

DaenerysStormborn

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