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  • 2 years later...

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  • 1 year later...
On 7/17/2018 at 1:33 AM, YourTemptation said:

Bakit pag nag Cash ng sasakyan mas less ang freebies? May income ba yung mga Car Dealers from Interest na nakukuha ng Banks?

Mas malaki ang kinikita ng car dealers if you pay via installment rather than cold cash. Kumikita sila sa monthly interest na pinapatong sa buwanang bayad mo. The longer the installment period, the higher interest rate is added to the principal amount. So car dealers offer more freebies to buyers para ma-entice sila na magbayad via installment. 

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  • 7 months later...
2 hours ago, zerofourzeroeight said:

Question:

 

way back 2020, pandemic, one year to pay na lang yung car kaso nalate ng 1 month, bank decided to get it.

 

what could be done para hindi sya mahatak? As pandemic nun.

 

asking for a friend

Come to an agreement with the bank. Settle the delayed payment. 

Nangyari na ba 'to? Or is there a new situation with similar conditions? Weird lang kasi pandemic pa pala pero you're asking how to prevent it from happening. 

Edited by Blue Boy
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On 3/5/2023 at 9:28 PM, Asamdown said:

question po. pag n approve po sa loan. example monthly mo is 1k. kahit na meron inflation same pa din sya never sya tataas? ty po sa makaka sagot.

Yes, fixed ang monthly installment sa mga car loan. Hindi sya ina-adjust for inflation. So kung ang monthly installment mo sa car loan is 15,000 at nagsimula nitong 2023 for 60 months, expect to pay 15,000 monthly hanggang matapos mo ang payment in 2028

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  • 2 months later...
14 hours ago, diego669 said:

Is it really a wiser decision to take a car loan than pay it in full so that you can allocate the money to something more productive?

If you're comfortable with the free cash you have after factoring in your emergency fund and short and long-term payables, then yes

Just like last year, I bought a pretty expensive gadget but cash was really an issue so I used my CC with really low installment interest. This year I bought another gadget but my cash position and cashflow were much better so I paid one lump sum

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