HELP: Ilang months before mahatak ang loaned car?

[Deej]

Hindi natin alam kung may mga darating pang additional unexpected expense sa duration ng loan term mo sir.

if ever magkaroon ulit (knock on wood), kakayanin pa rin ba mabayaran yung monthly mo? If no or not sure po, baka nga mas okay na isurrender na lang gaya ng suggestion nila kesa mas lumaki pa yung nailabas mong pera para sa monthly tapos in the end mahahatak pa rin due to late payment.

Ah sige chechek ko po yan. Pero thank you sa suggestion..

[shadow]

[QUOTE=Deej;3149167]

Wala namn po problem dun sa pyment na hinihingi ni bank e.. iba namn po ang tinatanong ko kaya nga po andto ako sa thread na to kasi yung title ilang months bago hatkin ng bank yung car loaned. Mali po ba ko ng group?? Kasi parang ang layo na po ng topic natin my financial capabilities na or di ko kaya magbayad or magcommute na lang ako.. my galit ka ba?? Kasi parang ramdam ko..

Then pay para April na next payment mo.

Eh kasi nga connected sa financial capability mo dahil 3 months pa lang yun loan na delay na.

Now you're saying na dahil meron emergency expenses, eh kung kaya talaga dapat hinde mo nagamit yun panghulog sa kotse.

Doon pa lang alanganin na eh, nag prioritized ka ng gastos inuna mo yun biglang gastusin kung anuman yun gamit yun pang kotse.

That doesn't look financial capable to me.

Nag jug ka ng funds.

And wala akong galit sayo dahil hinde kita kilala. But re-evaluate,

Paano kung meron naman unexpected expenses 2 months from now. Ililipat mo nanaman pangbayad sa kotse to fund whatever urgent matter? It's gonna be a cycle


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[Deej]

[QUOTE=shadow;3149171]

Then pay para April na next payment mo.

Eh kasi nga connected sa financial capability mo dahil 3 months pa lang yun loan na delay na.

Now you're saying na dahil meron emergency expenses, eh kung kaya talaga dapat hinde mo nagamit yun panghulog sa kotse.

Doon pa lang alanganin na eh, nag prioritized ka ng gastos inuna mo yun biglang gastusin kung anuman yun gamit yun pang kotse.

That doesn't look financial capable to me.

Nag jug ka ng funds.

And wala akong galit sayo dahil hinde kita kilala. But re-evaluate,

Paano kung meron naman unexpected expenses 2 months from now. Ililipat mo nanaman pangbayad sa kotse to fund whatever urgent matter? It's gonna be a cycle


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Nagets ko namn po yung point.
And i understand din po yung concern.
Yes magrere-evaluate ako if kakayanin ba tlaga or hindi..

Thanks

[carxynogen]

Nagets ko namn po yung point.
And i understand din po yung concern.
Yes magrere-evaluate ako if kakayanin ba tlaga or hindi..

Thanks

Anong unit po pala nakuha mo boss?

[tarzegetakizerd]

[QUOTE=Deej;3149173]

Nagets ko namn po yung point.
And i understand din po yung concern.
Yes magrere-evaluate ako if kakayanin ba tlaga or hindi..

Thanks

Please don't take offense on our co-forumers inputs on financial aspects of car ownership. They are merely trying to help

Sakin kasi before any investment din, dapat meron nang so called emergency funds (usually 3-6 months of monthly expenses, or salary), which will take care of any unforeseen expenses. So kahit magkaroon ng emergency, hindi maaapektuhan yung ibang bayarin for a certain amount of time.

Tapos pag nagamit yung part ng emergency fund, replenish din agad on next opportunity. Merely responsible adulting stuff I learned hehe

[Beansent]

I would say check the contract na pinirmahan mo regarding sa loan. Nandun specific nakasulat yun terms and condition regarding payment terms, pst due and default. Iba iba terms per bank. Yun collecting agent they usually say whatever they can to force you to pay (incentive din nila yun pag may collection). I don't think merong FDCPA ang Pinas kagaya ng sa ibang bansa kaya if I were you, I would read all the terms carefully sa loan, kapag may sinabing kakaiba yun agent sabihin mo wala yan sa pinirmahan mo.

I hope may nakalaan ka din na funds for unexpected repairs and the usual PMS. Not referring to you but yung iba kasi akala yun expense lang na kailangan for owning a new car is yun monthly payment lang.

[akosijhay]

[QUOTE=shadow;3149171]

Then pay para April na next payment mo.

Eh kasi nga connected sa financial capability mo dahil 3 months pa lang yun loan na delay na.

Now you're saying na dahil meron emergency expenses, eh kung kaya talaga dapat hinde mo nagamit yun panghulog sa kotse.

Doon pa lang alanganin na eh, nag prioritized ka ng gastos inuna mo yun biglang gastusin kung anuman yun gamit yun pang kotse.

That doesn't look financial capable to me.

Nag jug ka ng funds.

And wala akong galit sayo dahil hinde kita kilala. But re-evaluate,

Paano kung meron naman unexpected expenses 2 months from now. Ililipat mo nanaman pangbayad sa kotse to fund whatever urgent matter? It's gonna be a cycle


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Dahil sa mga ganitong advice ng mga Tsikoteer kaya 2nd hand na sasakyan nalang kinuha ko.

Sobrang tempting nung una kumuha ng brand new na sasakyan (imagine ung amoy brand new, pogi points sa mga kapitbahay, officemates, o chicks) kaso narealize ko, hindi biro ung maghulog ng 5 years sa bangko. Kahit pa 10k per month yan, 10k is 10k sa 5 years.

Sensya na mods, OT.

[sirkosero]

Call the bank and have your concern and their reply in writing.

May banks kasi, 1 month delay lang hatak agad.

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[_Qwerty_]

kung 1 month hindi pa nga yan hahatakin.. just update your payment and I hope di ka na ulit ma delay..