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  1. Ecua
    Ecua is offline Verified Tsikot Member
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    May 2nd, 2011 04:31 PM #1411
    Mine got 20% down less 5K, tapos sa labas ko kinuha yung insurance, then 10600 monthly lang nya for 5years. btw, its j variant
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  2. _Qwerty_'s Avatar
    _Qwerty_
    _Qwerty_ is offline COO - Child of Owner
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    May 2nd, 2011 04:42 PM #1412
    mas makakamura kung sa bank kayo mag take out nang loan.. mas mababa interest..
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  3. marlowem
    marlowem is offline Verified Tsikot Member
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    May 2nd, 2011 05:28 PM #1413
    Hello sirs. Pardon my ignorance but what is the difference between retail & lease financing? I saw this on the Toyota website. Is lease financing like rent to own? Why is the chattel mortgage free in lease financing? Thanks!
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    jbond
    jbond is offline Verified Tsikot Member
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    May 2nd, 2011 05:37 PM #1414
    Quote Originally Posted by surgeon_jm View Post
    hmmmm.. isa lang masasabi ko diyan sir..
    Hindi talaga kasali ang avanza sa promos nila..
    ni hindi nga kasali sa mga commercials ng toyota.
    lahat puro vios, innova, fortuner, hilux, etc..
    i guess, they dont promote the avanza as much as other TYT vehicles..
    kaya kung discounts at freebies ang habol nyo sir, e gisahin mo yung SA mo
    Dahil cguro mabili ang avanza compare to other models kya di na kailangan ng commercials at promo
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  5. bmab4n6
    bmab4n6 is offline Verified Tsikot Member
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    May 2nd, 2011 05:43 PM #1415
    Quote Originally Posted by _Qwerty_ View Post
    mas makakamura kung sa bank kayo mag take out nang loan.. mas mababa interest..
    sir,

    i agree, mas mura mag-car loan sa bangko.
    if i only have the money for the 30%dp they were asking before, sa bank na rin sana ako nag loan.
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  6. bmab4n6
    bmab4n6 is offline Verified Tsikot Member
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    May 2nd, 2011 05:59 PM #1416
    Quote Originally Posted by marlowem View Post
    Hello sirs. Pardon my ignorance but what is the difference between retail & lease financing? I saw this on the Toyota website. Is lease financing like rent to own? Why is the chattel mortgage free in lease financing? Thanks!
    sir,

    as explained sa akin ng SA, rent to own nga ang lease financing. yun kotse will be registerd under the financing services of toyota, leased to the buyer until such time na buo na payment then pwede na transfer ownership.

    free daw chattel mortgage pero they still charge you for other processing fees...

    for example, yun quotation sa akin kapag retail financing, chattel mortgage is around 20k. kapag lease financing 5k+ lang. then i askd, kala ko free... sbi nila processing fee daw
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    _Qwerty_
    _Qwerty_ is offline COO - Child of Owner
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    May 2nd, 2011 05:59 PM #1417
    30%dp sa bank? anong bank yan? sobra naman yan.. dapat 20% down lang ah!
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  8. bmab4n6
    bmab4n6 is offline Verified Tsikot Member
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    May 2nd, 2011 06:06 PM #1418
    Quote Originally Posted by _Qwerty_ View Post
    30%dp sa bank? anong bank yan? sobra naman yan.. dapat 20% down lang ah!
    sir,

    baka sigurista lang ang mga banks ngayon...
    almost all banks, 30% dp ni-require sa amin...
    baka they based it din sa capability namin mag-pay so they move up the dp to 30, not sure though, baka siguro inisip nila na hindi namin matapos yun payment kaya they wanted a bigger amount of initial cash out...

    pero para sa mga hindi pa nakaka-loan, sa mb pnaka mababa interest... its only 28% for 5 years compared sa ibang banks na 30%+ at sa toyota financing nila na almost 45%
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  9. altec
    altec is offline Tsikot Member Rank 3
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    May 2nd, 2011 06:13 PM #1419
    Magkano ngayon ang 2009 1.3 M/T na Avanza? May nakita akong repossessed unit sa bangko, 6K ang mileage.
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  10. Ecua
    Ecua is offline Verified Tsikot Member
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    May 2nd, 2011 07:16 PM #1420
    Quote Originally Posted by bmab4n6 View Post
    sir,

    baka sigurista lang ang mga banks ngayon...
    almost all banks, 30% dp ni-require sa amin...
    baka they based it din sa capability namin mag-pay so they move up the dp to 30, not sure though, baka siguro inisip nila na hindi namin matapos yun payment kaya they wanted a bigger amount of initial cash out...

    pero para sa mga hindi pa nakaka-loan, sa mb pnaka mababa interest... its only 28% for 5 years compared sa ibang banks na 30%+ at sa toyota financing nila na almost 45%
    ibig sabihin pala, ang mababa na ng interest sa akin... 29% for 5 years sa TFS. I think, matindi pala yung haggle namin dun sa agent
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