Bank auto loan

**misseksaherada** · April 22nd, 2021 02:29 PM

Originally Posted by ray_noel

terra nag 100k discount sila so yung qoutation na hiningi ko sa bank is base dun sa 100k discount ng casa... then dun sila nag base ng computation for dp and amortization....

Ray, natuloy ka ba dun sa pay off ng loan mo na di mo tinapos yung term? Kung natuloy mo, magkano binayaran mo na penalty fee (percentage if di pede exact amount)?

**Gumusut_Amige** · April 22nd, 2021 04:24 PM

Originally Posted by misseksaherada

Oo nga mas madali ito... [emoji17] Late na kasi ako naka join sa Tsikot.. Tapos na lahat nung nag join ako.. Kaya sariling sikap lang, trial and error ginawa ko..
Ang pabor lang sakin, malapit lang iba't ibang banks sa office ko kaya pwede ko isa isahin kada breaktime. Na-enjoy ko naman yung experience.. Competitive pala banks sa Loan.. Ang akala ko kasi basta utang ayaw ng bangko.. Mali pala akala ko.. [emoji28]

from my last purchase... yung 2 casa ay hiningan ko ng quotation, tapos yun din ang ginamit ko para makipag-haggle sa kanila. pagkatapos nun, yung final agreed T&C ang ginamit ko sa banko for my car loan.

**carxynogen** · April 22nd, 2021 06:02 PM

Originally Posted by ice15

sa akin simple lang...

go to dealership and ask for their calculation + freebies + possible release of unit -> pinapasulat ko sa paper ng maayos

photocopy ng paper...

then go to my bank, bigay kay Ms. customer service yung paper and ask kung mas maayos offer nila

I think mahirap makipag haggle if ang customer service ng bank kausap.
Dapat ata yung manager nila, yung gusto maka meet sa quota.
May mga customer service na walang paki if mag decline sa pag counteroffer.
Ang answer lang is yun talaga rate namin sir, sorry

.

We understand naman if hirap i counter offer yung rate ng ibang bank pero at least may effort to convince customer sa offer nila na wala sa ibang bank like free chattel mortgage, insurance or an offer in trying to lower the rate + freebies na possible ma offer. Manager lang ata makagawa nito.

**ice15** · April 22nd, 2021 06:08 PM

Originally Posted by carxynogen

I think mahirap makipag haggle if ang customer service ng bank kausap.
Dapat ata yung manager nila, yung gusto maka meet sa quota.
May mga customer service na walang paki if mag decline sa pag counteroffer.
Ang answer lang is yun talaga rate namin sir, sorry

.

We understand naman if hirap i counter offer yung rate ng ibang bank pero at least may effort to convince customer sa offer nila na wala sa ibang bank like free chattel mortgage, insurance or an offer in trying to lower the rate + freebies na possible ma offer. Manager lang ata makagawa nito.

2 lang naman bank ko...

And maayos naman asikaso ni Branch Manager, Asst Branch Manager, and yung staff na palaging umaasikaso sa amin... (Viber mates kami, hehehe)

So kung di kaya ni bank yung offer ni casa... kay Casa ako, although matagal akong walang loan sa bank.

Most probably towards end of the year kapag binili ko car ni misis...

Kailangan mag-papogi ulit sa records ng bank, may big purchase na parating

**Dr.Kamiya** · April 22nd, 2021 07:52 PM

Originally Posted by yapoy86

pag bank sir usually you need to make 20% downpayment.. then those discounts will be subtracted on the SRP.

the dealer will provide the "assessment" to which the bank will approve.

you need to check first if you will qualify for the bank loan.

sa "in-house" usually they offer that 0% downpayment scheme.. but if you compute, the interest rates are higher compared to bank with 20% dp

I suppose this is a matter of risk vs interest for the bank and the casa. The banks want that minimum 20% DP so that the buyer at least has equity on the car and is less likely to default, because it would mean forfeiting the DP he already has invested.

With zero DP the moment a car goes out the door it's automatically worth less than what the buyer owes on it, so if something bad happens (like finances getting squeezed because of an ongoing pandemic) it's easy to choose to stop payments because the buyer loses less (the value of the car) than what he owes (the remaining balance). The casa balances this risk out with higher interest rates.

**ray_noel** · April 22nd, 2021 10:21 PM

Originally Posted by misseksaherada

Ray, natuloy ka ba dun sa pay off ng loan mo na di mo tinapos yung term? Kung natuloy mo, magkano binayaran mo na penalty fee (percentage if di pede exact amount)?

Yup... ito yun lahat... may mga charges naka indicate... + binayaram ko yung free insurance na offer nila sa 1st year... malamang ganyan din sayo if free yung insurance mo tapos di mo tataposon contract...

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**misseksaherada** · April 22nd, 2021 10:45 PM

Originally Posted by ray_noel

Yup... ito yun lahat... may mga charges naka indicate... + binayaram ko yung free insurance na offer nila sa 1st year... malamang ganyan din sayo if free yung insurance mo tapos di mo tataposon contract...

Oo nga may free insurance nga... Wew.. dagdag ko lang onti Dyson vaccum na.. Hahahahahaha [emoji23] yun talaga basis eh noh.. sige na nga di na lang i-pay off.. balewala din discount ko kapag ganun.. konting tiis na lang.......

**shadow** · April 22nd, 2021 11:57 PM

Originally Posted by ray_noel

Yup... ito yun lahat... may mga charges naka indicate... + binayaram ko yung free insurance na offer nila sa 1st year... malamang ganyan din sayo if free yung insurance mo tapos di mo tataposon contract...

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Nakalimutan ko lang post kanina dapat hinde ka nag reply. Naghahanap lang si Missek ng matandang mayaman madaling mamatay.

Sabi kasi niya gusto na niya mag kaanak! So naghahanap na ng.asawa!

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**misseksaherada** · April 23rd, 2021 12:26 AM

Originally Posted by shadow

Nakalimutan ko lang post kanina dapat hinde ka nag reply. Naghahanap lang si Missek ng matandang mayaman madaling mamatay.

Sabi kasi niya gusto na niya mag kaanak! So naghahanap na ng.asawa!

Oy!! Grabe Sir Shadow... Walang ganun..
[emoji1787][emoji1787][emoji1787][emoji1787][emoji1787]
Kung maghahanap ako hindi dito sa Tsikot.. Hahahahahaha [emoji23]
Hindi naman sa pagmamayabang, kahit konti lang pinagsikapan ko pero di ko kelangan ng asawang mayaman.. [emoji14]
Grabe tawa ko... Ang tindi kasi pagka-overthinker mo.. [emoji1308][emoji41] nadamay na ako.. Isipin ko na lang iginanti ako ng nurse na kumuha ng dugo kanina sa antibody test mo.. [emoji14][emoji14][emoji14][emoji14][emoji14]
Itulog na yan!!!!!!

**shadow** · April 23rd, 2021 12:40 AM

Originally Posted by misseksaherada

Oy!! Grabe Sir Shadow... Walang ganun..
[emoji1787][emoji1787][emoji1787][emoji1787][emoji1787]
Kung maghahanap ako hindi dito sa Tsikot.. Hahahahahaha [emoji23]
Hindi naman sa pagmamayabang, kahit konti lang pinagsikapan ko pero di ko kelangan ng asawang mayaman.. [emoji14]
Grabe tawa ko... Ang tindi kasi pagka-overthinker mo.. [emoji1308][emoji41] nadamay na ako.. Isipin ko na lang iginanti ako ng nurse na kumuha ng dugo kanina sa antibody test mo.. [emoji14][emoji14][emoji14][emoji14][emoji14]
Itulog na yan!!!!!!

Siguro peke din na nurse or med tech nun kumuha ng dugo sa akin kanina. For the first time in my life kanina lang hinde mahanap yun ugat, iniikot ikot pa wala pa rin. Ako na nagsabi alisin na niya at magturok na lang na bago.

Akala yata swab test ginagawa eh.

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