HELP: Ilang months before mahatak ang loaned car?

**_Qwerty_** · February 27th, 2019 11:43 AM

baka kakilala yung bank manager kaya naka loan ulit?

Originally Posted by carwhacko

I’m pretty sure since it is my mom that I’m talking about [emoji12]

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**ninjababez** · February 27th, 2019 11:43 AM

Originally Posted by carwhacko

I’m pretty sure since it is my mom that I’m talking about [emoji12]

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kailan yan bro? kung mga 1-2 years ago na, pa try mo ulit mag loan si ermats. baka kasi pagka default, after couple of months or weeks ang loan agad, so malamang wala pa "hit" sa records.

**cast_no_shadow** · February 27th, 2019 11:45 AM

Originally Posted by _Qwerty_

baka kakilala yung bank manager kaya naka loan ulit?

Heads up lang naman sa bank yan to guide them sa approval. Still prerogative pa din nila if i-approve yung loan or not.

To add like what Ninja said, pwede nga din hindi pa reported kaya clear pa nung chineck.

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**_Qwerty_** · February 27th, 2019 11:49 AM

may kaibigan ako nahatakan nang sasakyan then tried to get a new car after 1 week.. may hit na agad..

Originally Posted by ninjababez

kailan yan bro? kung mga 1-2 years ago na, pa try mo ulit mag loan si ermats. baka kasi pagka default, after couple of months or weeks ang loan agad, so malamang wala pa "hit" sa records.

**dr. d** · February 27th, 2019 11:56 AM

Originally Posted by carwhacko

Well I know someone na sinoli agad sasakyan wala pa 3 months i mean voluntarily na nakapag loan naman after rin ng kotse and personal loan and had no problems with the loan application.

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the "list" is there for consultation.
but the consult-er is in no way required to follow it.

**shadow** · February 27th, 2019 01:24 PM

Originally Posted by ninjababez

kailan yan bro? kung mga 1-2 years ago na, pa try mo ulit mag loan si ermats. baka kasi pagka default, after couple of months or weeks ang loan agad, so malamang wala pa "hit" sa records.

This, pwedeng hinde pa na report ng bank agad.

Voluntarily surrendered or not, defaulted pa rin yan. Paano pa approved next time eh hinde nga kaya magbayad kaya sinoli nun first time.

Walang incentive ang bank na Hinde I black list yun mga nag surrender voluntarily ng car loan.

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**ninjababez** · February 27th, 2019 01:25 PM

btw naniniwala na pala ako kay bro carwhacko
naalala ko si mary (SA) noon tinanong ko kung pwede, nahilahan ng vios kakilala ko. RCBC yun contact nya, pwede daw kaso 20% DP talaga (no low downpayment option) tapos yun monthly mo pang inhouse rate LOL

**carwhacko** · February 27th, 2019 02:52 PM

It was 2017 pa tapos after 2 months sinoli ng nanay ko yung kotse na kinuha namin. It was thru Chinabank. Pero bago sinoli kinausap muna ng mommy ko Chinabank kung saan nakaloan yung kotse tapos kinausap niya rin yung Eastwest Bank and BPI kung san sila nagmaintain ng account so pareho naman sila ng mga sinabi eh. As long as mommy ko daw mag initiate ng pagsoli it won’t affect her credit standing naman. It was really a bad decision on our part to get that car tapos hindi naman namin pala gusto. Kaya ayun after 2 months soli na. After nun nakapag loan mommy ko ng kotse ulit the following year. Mas nauna pa sila na-approve sakin when I got my Ford Ranger.

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**Manzia** · April 15th, 2019 12:40 PM

Originally Posted by bluperskin

Hi masters. I am new lang sa autoloan. Dati kasi second hand lang and binibili ko. Now i tried a brand new car thru financing or loan. I am just curious, If ever d ka mkabayad, ilang months ba bago mahatak ang car? im with PSbank. Thanks.

Hi sirs, bago lang din po ako dito. Ask ko na rin po kasi sa eastwest ang car loan ko. A day before mag 3 months nagbayad ako ng 1 month na car payment. After a few days nagmessage sakin yung eastwest na for pull out na yung sasakyan. Di po ba pwedw na ganun yung ginawa ko? Salamat

**17Sphynx17** · April 15th, 2019 01:12 PM

Originally Posted by Manzia

Hi sirs, bago lang din po ako dito. Ask ko na rin po kasi sa eastwest ang car loan ko. A day before mag 3 months nagbayad ako ng 1 month na car payment. After a few days nagmessage sakin yung eastwest na for pull out na yung sasakyan. Di po ba pwedw na ganun yung ginawa ko? Salamat

Hindi naman talaga pwede diba?
Usapan is monthly payments that the bank will draw from a designates settlement account.

So kung magdraw sila during the first 2 months. Walang enough funding yung account mo or 0 balance na diba? Automatic closed account yun diba?

May pinirmahan ka na document na magbabayad ka so obvious na hindi pwede yung ginawa mo. Since breach ka, technically in the right yung bangko hatakin sa alam ko. Unless makausap mo agad para maayos yung problema nadulot ng ginawa mo.