Ang daming ford everest na repossessed

[_Cathy_]

Sa Akin lang, kung talagang kailangan mo ng sasakyan pero gipit talaga sa budget, bumili ka na lang ng 2nd hand na pasok sa budget, at least bayaran mo ng isang bagsak tapos wala ka nang iisiping utang na babayaran.

Bilib talaga ako sa malakas ang loob mag loan, lalo na yung 20% down. I really want an SUV but I was only given 1M max budget by my family for my car. I would have to pay for the difference if I wanted a more expensive car so that meant I had to loan at least 300k if I wanted an SUV. I opted for a sedan, at least I have no debt to worry about. Minsan pag umuulan or pag may dinadaanan ako na baha, iniisip ko sana I loaned the 300k na lang. Pero pag naiisip ko na yung interest and monthly, I don't feel so bad anymore.

[bloowolf]

Bilib talaga ako sa malakas ang loob mag loan, lalo na yung 20% down. I really want an SUV but I was only given 1M max budget by my family for my car. I would have to pay for the difference if I wanted a more expensive car so that meant I had to loan at least 300k if I wanted an SUV. I opted for a sedan, at least I have no debt to worry about. Minsan pag umuulan or pag may dinadaanan ako na baha, iniisip ko sana I loaned the 300k na lang. Pero pag naiisip ko na yung interest and monthly, I don't feel so bad anymore.

Where I work, some people change their rides every 2 years. I was thinking, ang dami naman pera nitong mga ito. Yung pala, they have the car financed & when the time comes that they sell it, buyer just pays them the down payment they paid for the car & assumes the balance.

[yebo]

Every 4 years in my case. Yung pinagbilihan ko ng car yun din ang down payment ko sa next car. So if I sell the car at 50-60% of its brand new price yun din ang down payment ko sa replacement nya. Halos parehas din kasi kung tutuusin, mabilis na ang depreciation after the first 3 years and you will lose almost the same amount of money (adjusted to inflation) if you keep the car as against buying a new one and paying amortization on it. The argument against this is of course is if you don't buy a new one then you can always save the money instead in the bank. But then as I said you lose later when you sell that car for only 20% of its original value. Since I meet my savings goal naman then I just allow myself this luxury of having a new car every 4 years.

The only time I put a 20% down is if it is a totally new purchase, like dati 2 cars lang nagdagdag ako ng isa. But now I am going to sell 2 and get 1, minimal money out na ko sa replacement car.

[shadow]

Bilib talaga ako sa malakas ang loob mag loan, lalo na yung 20% down. I really want an SUV but I was only given 1M max budget by my family for my car. I would have to pay for the difference if I wanted a more expensive car so that meant I had to loan at least 300k if I wanted an SUV. I opted for a sedan, at least I have no debt to worry about. Minsan pag umuulan or pag may dinadaanan ako na baha, iniisip ko sana I loaned the 300k na lang. Pero pag naiisip ko na yung interest and monthly, I don't feel so bad anymore.

You should've took it. 300k for a 2-3 year loan is nothing.