car loan

[Krisace]

Paano gagawin ng agent mo yon? Kailangan nila yng id mo as part of the requirements. Ngayon yng mga valid id mo babaguhin din nya? Kasi dapat pareho yan.

Un ang sabi nya initial change nya isang letter pero pag approved and pasa na requirements ideclare namin na my typo error un ang sabi nya. Mukang alam nya naman ggwn

[sirLancelot]

Un ang sabi nya initial change nya isang letter pero pag approved and pasa na requirements ideclare namin na my typo error un ang sabi nya. Mukang alam nya naman ggwn

Wag mo na ituloy sir kung may anomalya

[Yatta]

Guys since declined ako sa banks nakausap ko isang agent from mazda. Ang gagawin nya change nya isang letter sa last name ko para hindi lumabas na decline ako den aayusin nya mga papers ko para maapproved. May ganitong experience nb kau?

SAs will say anything to make a sale. Tingnan mo yung Toyota, sabi tatapatan at iaapprove, declined naman pala. Ngayon illegal na ang gagawin. Mahirap talaga ma-aaprove kung wala ka co-maker, at lalong mahirap kung call center agent (red flag ito kahits a mga credit card). Subukan mo ilagay father mo. Submit na lang ng documents. Mas maganda kung mag-apply ka ng loan sa banko na may account kayo, para may records na sila ng transactions niyo.

Pero nabasa mo na ba yung Uber thread? baka kasi malugi ka lang later on.

[Yatta]

Guys since declined ako sa banks nakausap ko isang agent from mazda. Ang gagawin nya change nya isang letter sa last name ko para hindi lumabas na decline ako den aayusin nya mga papers ko para maapproved. May ganitong experience nb kau?

SAs will say anything to make a sale. Tingnan mo yung Toyota, sabi tatapatan at iaapprove, declined naman pala. Ngayon illegal na ang gagawin. Mahirap talaga ma-aaprove kung wala ka co-maker, at lalong mahirap kung call center agent (red flag ito kahits a mga credit card). Subukan mo ilagay father mo. Submit na lang ng documents. Mas maganda kung mag-apply ka ng loan sa banko na may account kayo, para may records na sila ng transactions niyo.

Pero nabasa mo na ba yung Uber thread? baka kasi malugi ka lang later on.

[Krisace]

Hindi ko pa nabasa sir thread sa uber pero I will take a look.. Actually nilagay ko na dad ko as co-maker and kakapasa pa lang namin sa bank sana maapproved na sya. Pano ba ang CI sa comaker?

[shadow]

Maraming SA gumagawa niyan. Kaya rin nila provide ng mga documents kung wala ka, it's not uncommon.


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[Krisace]

Thanks shadow. inaapply ako agent ko sa toyota sa toyota financing and prestige. Pero leasing daw un so hnd nakapangalan sakin unless byrn ko daw chattel na 18k para mapangalan sakin. Kasi uber/grab ko kaua need tlga nakapangalan sakin. Ganun b tlga?

[shadow]

Search mo dito yun thread about sa issue na yan (Toyota financing na hinde naka name sa buyer) I think it's Toyota manila bay, basahin mo kung ano nangyari doon


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[Krisace]

Sige search ko sir. U think okay ung gagawin nung agent ng mazda na change nya one letter para sa mga decline bank mapaprocess ulit? Ung agent na nakuha ko kasi sa toyota and hyundai hnd ako bngyn advce ng mga sabhn sa intervw eto tloy nadecline ako.

[EQAddict]

You will be declined because your monthly salary cannot sustain the car payments over a long period of time. Even if you will use it for uber and hope to make money using the car, they will NOT take that into consideration. The only thing they will look at is your income ( you will need to submit a valid ITR and other company docs to prove this) and your co-maker's valid income(again with supporting docs).

Banks aren't dumb. Neither are car dealers. They wont throw their money away. They have systems of checks and balances to protect their finances. Even if an over aggressive sales agent looks for ways to bypass their safety checks, the system will eventually catch it. Suggest you stop hoping for 'palusot' and get a good co-maker to help you. This is your best option.