martinace1 Posted May 27, 2016 Share Posted May 27, 2016 The best way to take out a car loan is via the Bank and not via the dealership. Get an approval letter from BPI, then show this to BDO.BDO will give you a better offer letter.Show this to East West and they will give you an even better offer.Then take that offer letter back to BPI and they will in turn give you the best deal. Variables have to remain the same in order for you to comapre properly. - Amount to loan, term of the loan. Watch out for Free insurance with conditions (lock down for length of loan) could be positive, could be negative.Look for free / low chattel mortgage fees. As for the dealer, look for upfront discounts, free LTO, 3rd party insurance, freebies- accessories Quote Link to comment
camus Posted May 30, 2016 Share Posted May 30, 2016 Mas ok ba mag car loan sa bank, or opt for their "in-house financing"?Get a quote from both and compare it. in general, banks will give you a lower rate than in-house. Quote Link to comment
oakley_boy Posted June 14, 2016 Share Posted June 14, 2016 Good day MTC Experts! Need help po regarding our problem sa auto loan Last month we bought our first car. Before namin makuha yung kotse, inadvise kami nung agent na magopen kami ng saving account sa UCPB kasi dun daw nila ipapasok yung loan namin sa kotse. dumating yung day na kinuha nmin yung sasakyan, sa sobrang excited namin ng wife ko, hindi namin napansin na hindi nadiscuss smen yung details nung car loan like total amount financed, due date, monthly ammort (though may idea naman na kami bout sa monthly payment), and other fees. wala kaming nakuhang documents about sa car loan. ang papers lang na dala nmin pauwi was the receipt of our downpayment and yung registration sa lto. walang contract for loan. pagdating namin sa bahay, we asked the agent kung bakit ndi nya diniscuss smen, sabi nya lang imamail daw yung contract after 1 month basta magdeposit na lang daw kami dun sa savings account na inopen namin kasi auto debit naman yun. I called UCPB main and pumunta ako dun sa bank kung san ako ngopen ng savings account to check the details of my loan. pareho sila ng sagot, wala akong existing autoloan sa kanila. Now sinabi ko sa agent nung kotse na hindi muna ako mgdedeposit sa savings account ko kasi wala akong contract, hindi ko alam yung due date and pano ko masisigurado na if may deductions sa savings, eh mapupunta sa payment ng car ko. Ang kinakatakutan ko lang po is kung anong magiging negative impact neto saken, as a borrower. pwede bang mahila yung kotse ko? as i've checked; based saREPUBLIC ACT No. 3765Section 2. Declaration of Policy. It is hereby declared to be the policy of the State to protect its citizens from a lack of awareness of the true cost of credit to the user by assuring a full disclosure of such cost with a view of preventing the uninformed use of credit to the detriment of the national economy. Section 4. Any creditor shall furnish to each person to whom credit is extended, prior to the consummation of the transaction, a clear statement in writing setting forth, to the extent applicable and in accordance with rules and regulations prescribed by the Board, the following information: ano pong dapat kong gawin and kelan po? TIA Quote Link to comment
cypher_05 Posted June 27, 2016 Share Posted June 27, 2016 Anong bank madali ang auto loan? Quote Link to comment
Astig73 Posted August 20, 2017 Share Posted August 20, 2017 If were to have car loan, how much would i pay monthly if i were to loan a cheap car? meron auto loan calculator, you can try. the value is the actual computation. though you can call the bank the computation. Quote Link to comment
YourTemptation Posted July 16, 2018 Share Posted July 16, 2018 Ok ba mag Car Loan ng 2nd hand? Quote Link to comment
YourTemptation Posted July 16, 2018 Share Posted July 16, 2018 Like Porche / Audi / Ford Mustang / Camaro? Any insights?Mas maganda ba yung Brand New Bilhin?Madalas kasi sa Sports Car or Luxury Car mataas Depreciation ng Value pero Low Millage Quote Link to comment
YourTemptation Posted July 16, 2018 Share Posted July 16, 2018 Bakit pag nag Cash ng sasakyan mas less ang freebies? May income ba yung mga Car Dealers from Interest na nakukuha ng Banks? Quote Link to comment
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Immortal666 Posted January 31, 2022 Share Posted January 31, 2022 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. Quote Link to comment
zerofourzeroeight Posted September 12, 2022 Share Posted September 12, 2022 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 Quote Link to comment
Blue Boy Posted September 12, 2022 Share Posted September 12, 2022 (edited) 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 September 12, 2022 by Blue Boy Quote Link to comment
Dealdealers Posted September 28, 2022 Share Posted September 28, 2022 Best bank for car loans? Quote Link to comment
Asamdown Posted March 5, 2023 Share Posted March 5, 2023 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. Quote Link to comment
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