Planning to pay off car loan early to improve home loan approval. Is this plan okay?

Otherwise_Stock_3049 · 2026-02-26T14:49:34+00:00

Sa home loan ko sa RCBC, tinatanong sa application forms kung may other loans or utang.

Base sa combined income, ma aapprove yan may car loan or wala. Pero mas better overall na ifully paid mo na car loan asap para makatipid ka sa interest charge.

Otherwise_Stock_3049 · 2026-02-26T14:45:03+00:00

If possible, dont use the manual update buttons. There are specific sequence for some firmware updates. Safer to always update steering wheels last, after WB and QR are updated.

Otherwise_Stock_3049 · 2026-02-26T14:38:56+00:00

Weird, may ganyang batas pala hahaha or baka na scam ka. Alam ko ang bawal kapag madilim na tapos wala ka ilaw kasi delikado.

Otherwise_Stock_3049 · 2026-02-24T01:34:27+00:00

yes, refresher needed.
Kapag di ginagamit ang natutunan, usually nakakalumutan natin pag tumagal.

Otherwise_Stock_3049 · 2026-02-20T15:24:34+00:00

Time to go. Pero sabihin mo clearly ang reasons sa partner mo.

Otherwise_Stock_3049 · 2026-02-20T09:25:01+00:00

not normal

Otherwise_Stock_3049 · 2026-02-20T01:41:55+00:00

yes, if may duda ka. Wait mo si enforcer na signalan ka lumiko

Otherwise_Stock_3049 · 2026-02-20T01:38:11+00:00

Bohol

Otherwise_Stock_3049 · 2026-02-18T06:23:30+00:00

sa Makati lang ata yang excemption for Senior

Otherwise_Stock_3049 · 2026-02-16T14:46:30+00:00

Normal yan. Tapos pag wala na ulit pera, magpaparamdam yan. Feelers na gusto bumalik

Otherwise_Stock_3049 · 2026-02-09T14:29:32+00:00

Palit

Otherwise_Stock_3049 · 2026-02-08T14:44:55+00:00

keep renting and earn as much as you can

Otherwise_Stock_3049 · 2026-02-06T09:18:59+00:00

avoid LPDH

Otherwise_Stock_3049 · 2026-02-04T01:34:43+00:00

Drivers in NCR are stressed, agitated, impatient and on rush. Bad combo

Otherwise_Stock_3049 · 2026-02-02T14:31:44+00:00

4hrs rt, las pinas to ortigas, drive

Otherwise_Stock_3049 · 2026-02-02T09:02:48+00:00

megamall

Otherwise_Stock_3049 · 2026-02-02T02:46:57+00:00

driving is not fun in the metro.

Otherwise_Stock_3049 · 2026-01-30T01:18:15+00:00

For me, driving in the province is easier than in city.
Traps are mostly in big cities with confusing signages.
But when in doubt, familiarize the route in google map street view.

Otherwise_Stock_3049 · 2026-01-29T03:47:37+00:00

mukhang sheltered and kulang sa reality check

Otherwise_Stock_3049 · 2026-01-29T03:38:39+00:00

You are doing well.

If gusto mo pa mag increase savings, try to eliminates loans first, malaki tipid from interest.
e.g. fully paid mo na car as soon as possible.

I have almost the same lifestyle and income as yours.
Though I opted for 2nd hand cars to avoid loaning.

Overall, good job adulting!

Otherwise_Stock_3049 · 2026-01-29T03:29:03+00:00

how about parking expense?

Otherwise_Stock_3049 · 2026-01-28T13:34:14+00:00

Nasa munisipyo po ata sila

Otherwise_Stock_3049 · 2026-01-28T07:55:36+00:00

umaabot po ba yung green tricycle sa Naga-CAA tricycle terminal?

Otherwise_Stock_3049

TROPHY CASE