Buying a Car

[cherubin]

Just sold our toyota town ace van,planning to buy new one.
From what i gather from this thread much better dumeretso sa bank than sa dealer.
Ask ko lang what about yung mga deal sa mall kapag may auto show,diba meron nakalagay as low as 36k all in downpayment,hindi ba ok yung mga ganong deal?tia

[curlygurl]

sis, no need to open a new account..[textspeak!] previous payroll account ko na open pa until now ginagamit ko e..ng-debit na [textspeak!] every month si BPI for my loan payment

sis, our payroll is under BPI and sa BPI they have this save-up dba. part of my salary goes there so yun na ang savings ko. ok na kaya yung account na yun para makapag car loan ako sa BPI?

we're planning to buy honda city 2012, but hubby is in US. it will be my first car so sobrang clueless pako where to start.

[Frothe]

I want Honda Jazz for my first car..I'm single and trying to be practical. But when I learned that Adventure is almost the same price as Jazz, nag-2nd thoughts na ko. Mga sis.. any help which I should choose?

[u8mypinkcookies]

i wanna get my own car na rin.. kahit 2nd hand lang. Plan na namin ng sister ko yan kahit share kami well use will be going to work (pero mukhang not everyday naman), going to the other house to visit and for weekends if we go out/malling, etc hindi naman sya heavy use talaga kaya di rin namin kailangan ng super laki or bongga. usual route lang naman namin is makati-taguig.. minsan alabang or qc (pag weekends siguro).

Haaay sana maka-save kami. ano ba mare-recommend nyo na okay na car? sana not so high maintenance rin

[simplyremz]

mga sis, may for sale na kotse sa office namin. Honday City Type Z. 2000 model. 100,000 ang mileage.

P110k. good buy na ba un if ever? as per sa engineering namin, ok pa daw makina at malakas aircon.

what do you think?

[Frothe]

^Thanks sis.

[chiqmom]

got my first car at the age of 26. its Hyundai Eon. Actually, nakuha ko pa lang sya ngayon.

[gorgeous_me]

hays, tagal ko ng balak to, kaloka, kung matutuloy man, gusto ko din ng honda jazz or ford fiesta..mahal na kasi yung iba, hehe

[grayceheart]

tagal i release ng toyota makati yung vios ko... na eexcite na ako...

[Frothe]

congrats sa lahat ng may bagong first car!!! share tips naman on where you get car loan and how you get a good deal.

[sevangelista]

Is it better to buy a brand new car than a second-hand car as your first car?

[Margaritabythebeach]

congrats sa lahat ng may bagong first car!!! share tips naman on where you get car loan and how you get a good deal.

Hi Frothe, maganda BPI and RCBC. Although sa BPI medyo strict sila pag delayed ang payments may penalties. Sa RCBC PDCs lang ang kelangan, sa kanila bubuksan ang account. Sa RCBC may automatic approval pag Honda. Kami noon 1 day lang. I just ordered the car and color and paid the DP. They had it tinted, the next day, na deliver na.

For those who plan to buy mag haggle kayo. When I got my car I was choosing between Honda Civic and Toyota Altis. I told the Salesmen I was caught between the two cars. Binabaan nila ang presyo. Nagbigay ng freebies. Honda gave me 10k/month (from 11k/month) at 50%DP. Toyota gave me 7,500/month(from 10k) kalalabas pa alng ng Altis nun at naghahabol sila ng sales. In the end I settled for Honda kasi that was what I really wanted. I preferred 50% DP kasi ayoko ng malaki ang MA.

If you can wait a little while, hintayin nyo ang mga promos. I got my car at 50k less! Wag nyo madaliin, remember ang car di katulad ng damit, pag sawa or ayaw mo na pwede mo na i garage sale. Remember din that it will be on a 3-5 yr mortgage so madaming sacrifices ang gagawin mo. If possible buy your dream car na kasi imagine mo yun feeling if you settled for something less (because nagmamadali ka bumili) tapes makikita mo young car na dapat binili mo nasa harapan mo sa traffic. Uber torture un!

Sana nakatulong. 

[chiqmom]

congrats sa lahat ng may bagong first car!!! share tips naman on where you get car loan and how you get a good deal.

got mine from PSbank. super bilis ng transaction. in less than a week, approve na. after a week, nakuha ko na yung car. sa agent ka ng car makipagcoordinate. sa akin yung hyundai agent ang tumulong para maapprove ako.

Is it better to buy a brand new car than a second-hand car as your first car?

dati i like second hand kaso mahirap yung maintenance e. i am not willing to spend extra cash abruptly dahil may sira o ano pa man. so brand new kinuha ko. malaki tipid sa gas. good luck sis!

[Margaritabythebeach]

Is it better to buy a brand new car than a second-hand car as your first car?

Kung bagong driver ka mejo maliit ang budget advisable mag start sa old car.  But if you have the means and you can sustain the MA and regular maintenance, bill ka ng new car. Stick with toyota for new car owners. Mas mura ang maintenance nito. My first car was Toyota GLI. Super love ko. Dumating na lang sa time na naging sirain kaya pinalitan ko ng Honda. I noticed that maintenance in Honda is more expensive than Toyota. Sa Toyota noon 3-5k ang change oil at check up. Sa Honda 13-15k!!! kaloka! Although malaki ang comfort sa Honda kasi meron silang satellite clinics sa mga villages at 30%off. May free delivery pa sa house at car wash! 

[Frothe]

Hi Frothe, maganda BPI and RCBC. Although sa BPI medyo strict sila pag delayed ang payments may penalties. Sa RCBC PDCs lang ang kelangan, sa kanila bubuksan ang account. Sa RCBC may automatic approval pag Honda. Kami noon 1 day lang. I just ordered the car and color and paid the DP. They had it tinted, the next day, na deliver na.

For those who plan to buy mag haggle kayo. When I got my car I was choosing between Honda Civic and Toyota Altis. I told the Salesmen I was caught between the two cars. Binabaan nila ang presyo. Nagbigay ng freebies. Honda gave me 10k/month (from 11k/month) at 50%DP. Toyota gave me 7,500/month(from 10k) kalalabas pa alng ng Altis nun at naghahabol sila ng sales. In the end I settled for Honda kasi that was what I really wanted. I preferred 50% DP kasi ayoko ng malaki ang MA.

If you can wait a little while, hintayin nyo ang mga promos. I got my car at 50k less! Wag nyo madaliin, remember ang car di katulad ng damit, pag sawa or ayaw mo na pwede mo na i garage sale. Remember din that it will be on a 3-5 yr mortgage so madaming sacrifices ang gagawin mo. If possible buy your dream car na kasi imagine mo yun feeling if you settled for something less (because nagmamadali ka bumili) tapes makikita mo young car na dapat binili mo nasa harapan mo sa traffic. Uber torture un!

Sana nakatulong. 

Oo naman, sis.  This is a big help.  I didn't know na pwede pals mag-haggle.  Now I know.  Honda nag din ang gusto ko but I like CRV more kaso ang mahal.  So Jazz na lang.  Gusto ko rin naman at mas practical for me.  Pero napaisip ako sa sinabi mo na pano kung nasa harapan mo sa traffic ang CRV?  Hahaha.  Ang sakit sa puso siguro non. 

[Frothe]

By the way, how much naman ang initial cash out nyo?  I know that it would depend on the DP, but aside from the DP, magkano naman sa insurance, registration and ano-ano pa nga ba?  Sorry, clueless talaga ko and ang hirap maghanap ng ideas sa net.      Tia.

[Margaritabythebeach]

Oo naman, sis.  This is a big help.  I didn't know na pwede pals mag-haggle.  Now I know.  Honda nag din ang gusto ko but I like CRV more kaso ang mahal.  So Jazz na lang.  Gusto ko rin naman at mas practical for me.  Pero napaisip ako sa sinabi mo na pano kung nasa harapan mo sa traffic ang CRV?  Hahaha.  Ang sakit sa puso siguro non. 

Hi Frothe, I liked CRV too , I wanted that. Kaya lang aside from the unit price, 1.4M!!! sobra mahal ang gas and maintenance. Ay naku, may iba pa akong balak gastusin every month. I settled for Civic instead. Di naman masyado masama loob ko pag nasa harap ko siya kasi di ako willing sa monthly amortization niya. At ang maintenance nya, aabutin ng 15-20k ang change oil sa casa. Oh my gulay!

I paid 550k DP with insurance, LTO, chattel mortgage, free matting and tint. Tapos MA ko 10k. Fuel consumption ng Civic 1L=20kms. Maganda ang feedback sa Honda Jazz kasi matipid ang fuel consumption. If I'm not mistaken 1liter=40kms country driving (high speed) Manual transmission. If you're gonna get Automatic siguro ang city driving nya 1L=30kms. That is not bad! Meaning sa P55, makakarating ka sa Quiapo from QC.
 
In the long run, matipid talaga siya. isa pang maganda sa Honda, mataas ang resale value. Honda civic and jazz are predicted to have long range syle. Meaning 20 years from now, ang design niya uso pa run (daw) :-)

Happy Car hunting Frothe!

[Frothe]

Hi Frothe, I liked CRV too , I wanted that. Kaya lang aside from the unit price, 1.4M!!! sobra mahal ang gas and maintenance. Ay naku, may iba pa akong balak gastusin every month. I settled for Civic instead. Di naman masyado masama loob ko pag nasa harap ko siya kasi di ako willing sa monthly amortization niya. At ang maintenance nya, aabutin ng 15-20k ang change oil sa casa. Oh my gulay!

I paid 550k DP with insurance, LTO, chattel mortgage, free matting and tint. Tapos MA ko 10k. Fuel consumption ng Civic 1L=20kms. Maganda ang feedback sa Honda Jazz kasi matipid ang fuel consumption. If I'm not mistaken 1liter=40kms country driving (high speed) Manual transmission. If you're gonna get Automatic siguro ang city driving nya 1L=30kms. That is not bad! Meaning sa P55, makakarating ka sa Quiapo from QC.
 
In the long run, matipid talaga siya. isa pang maganda sa Honda, mataas ang resale value. Honda civic and jazz are predicted to have long range syle. Meaning 20 years from now, ang design niya uso pa run (daw) :-)

Happy Car hunting Frothe!

Thank you sis!  Hindi naman halatang big fan ka ng Honda.  Haha! Ako din kasi Honda fan.     I think tama lang ginawa mo na nag-down ka ng 550K.  At least 10K na lang ang MA; hindi na mabigat sa bulsa.

I was also looking from net sana kung aling Honda branch ang best dealer, tipong alaga ka pa din sa after-sales service.  Wala akong mabasa pero parang madami akong nakikitang kumukuha sa Honda Kalookan.  Parang dun ko plan kumuha.

[Margaritabythebeach]

Thank you sis!  Hindi naman halatang big fan ka ng Honda.  Haha! Ako din kasi Honda fan.     I think tama lang ginawa mo na nag-down ka ng 550K.  At least 10K na lang ang MA; hindi na mabigat sa bulsa.

I was also looking from net sana kung aling Honda branch ang best dealer, tipong alaga ka pa din sa after-sales service.  Wala akong mabasa pero parang madami akong nakikitang kumukuha sa Honda Kalookan.  Parang dun ko plan kumuha.

Hehe. :-)  Can you wait a little longer? I think walang promo ngayon. Usually promos start in October -December, and March-May. Quezon Ave bracing bagged the best dealer award, kaso hell ang pag punta ngayon kasi uber traffic. Try to visit at least 3 branches near you, try to haggle. Bihina magbaba ng presyo(unit price) ang honda but they give discounts in insurance and mortgages.

[grayceheart]

sis try mo rin honda makati... madali kausap ahente dun at mababait pa, di lang natuloy ang deal namin kasi inunahan sya ng toyota eh hehe...