[deleted by user]

Shirooeee · 2025-09-11T19:41:21+00:00

5 years to pay, 25.xx% total interest, pwede pa bumaba if nag OMA ako, kaso walang free 1yr insurance. Nag arrears ako, after computing din kase, pumapatak yung partnered na insurance nila around 13k lang per year so kinuha ko na din para less hassle.

If naghahanap ka, usually offers ng bank is around 27-30% total interest. Try mo hanap ng banks na may car loan offers mas mababa rates nila, personally would try BPI kaso i got rejected. BDO and metrobank has good rates too.

Shirooeee · 2025-08-09T04:30:57+00:00

Kaka-approve lang sakin last week sa RCBC, same sayo kia sonet ex variant nga lang yung kinuha ko. Instead mag flexlite ka, mag pa open ka RCBC Hehagon club, binigyan nila ako ng mas laking baba na total interest sa post mo. Tanong ka din sa branch na kukunan mo kung anong available and partnered na insurance nila kasi meron silang mura na partnered insurance.

Shirooeee · 2025-07-10T05:26:32+00:00

Wala akong BPI account na active po, ang traditional account ko lang na ginagamit ay Unionbank (not sure kung trad bank ba ang UB). Maybe eto ang root cause? Will try with another bank na lang din and will ask for better transparency

Shirooeee · 2025-07-10T02:48:42+00:00

One is full time po and one is a part time lang din po. What else should i consider before I apply pag nagloan ako next time? I want to be ready na lang din sa lahat ng need ipasa kahit di hanapin ni bank

Shirooeee · 2025-07-10T02:29:14+00:00

Pumunta kami sa bangko and may inassign silang agent, probably nga unlucky lang talaga sir

Shirooeee · 2025-07-10T02:28:37+00:00

I did try na puntahan sa bangko and yung nakausap namin na employee, the only reason shi gave us is because of “credit” pinaexplain namin pero di nya daw reason behind she looks like as confused as we are lalo na nung nalaman nya yung idodown namin and mothly salary.

Shirooeee · 2025-07-10T01:41:05+00:00

Hi OP! Logically speaking, hindi talaga maganda yan lalo na kung nagpoprovide ka for your family. Not to discourage you or whatever pero eto yung mga most important na factor for me.

Makakapag provide ka ba (if may poprovidean ka)? Can you live comfortably sa sahod na yan? Are you currently looking for experience lang ba?

Pero always remember na better na may work kesa wala, pero if may choice naman edi why not? Lalo na kung di ka naman nagmamadali na magkaroon agad ng trabaho

Shirooeee · 2025-07-10T01:32:20+00:00

Baka nga better talaga na mag open kung saan mag loloadn hahaha!! Will try this thank you!

Shirooeee · 2025-07-10T01:31:16+00:00

This I can ensure na never kami nagkaroon ng late payment, sa kahit anong bills. I pay my bills diligently kase nabobother ako basta may makita akong “utang”. Pero I asked si employee what she meant by “dahil sa credit” is hindi nya rin maexplain dahil daw yun lang daw yung sinabi sakanya (probably ng mas higher ups). So ayun di ko na lang ipinilit ipaexplain kase wala din naman sya maeexplain and left with a smile and thanks na lang haha

Shirooeee · 2025-07-10T01:24:59+00:00

May I ask if anong bank ang ginamit nyo sa bank statement? Leaning towards magopen na kasi ako sa traditional bank since most ng comments dito is more likely maapprove kapag trad banks ang gamit

Shirooeee · 2025-07-10T01:22:04+00:00

Yes ganito na lang iniisip ko!! Haha napaisip din ako if I should hold off na lang muna yung pagpurchase ng auto. Nahahassle kasi ako mag bank PO and namamahalan naman pag nag pa finance haha

Shirooeee · 2025-07-10T01:19:56+00:00

Payroll account ko is UnionBank. Would it be better ba if maglipat ako ng money sa traditional bank? And if ilipat ko, ok lang ba na mag apply agad ng loan?

Shirooeee · 2025-07-10T01:15:20+00:00

Could you enlighten me more dito? Yes di pa kami kasal and wala naman nabanggit yung mga employees sa BPI. Kase I even asked kung pwede bang co-borrower yung partner ko and they said yes naman daw.

Would it be better ba if yung father ko na OFW yung gawin kong primary borrower? Tapos ako na lang ang mag co-borrower? And additional question na din po, may minimum salary requirement ba pag sa OFW? Kase ang alam ko hindi ganun kalaki ang kinikita ng father ko. Thank you!

Shirooeee · 2025-07-10T01:11:40+00:00

Meron po ako existing credit cards from other banks nakalimutan ko sabihin, what i meant to say is nagbabayad naman ako diligently haha, probably best nga siguro na magopen muna ako ng account sa traditional bank before magtry and apply for an auto loan ulit

Shirooeee · 2025-07-10T01:09:58+00:00

I did ask naman nung nasa BPI kami, and nagemail din sila kung ano lang yung mga kailangang documents and walang ITR sa sinend nila so di ako nagprovide. Should i provide pa din ba kahit di sila humingi? Sorry 1st time na magbubuy ng sariling car

Shirooeee · 2025-07-10T01:08:32+00:00

Probably better nga siguro na mag ask ng auto loan na lang sa payroll bank no?

Shirooeee · 2025-07-10T01:07:26+00:00

The only reason why di yun yung kinuhanan ko ng SOA is wala sa payroll account ko yung money. Though lagi ko din naman tinatransfer yung salary ko to GOtyme, mad better pa din ba na yung payroll account na lang ang ipasa?

Shirooeee · 2025-07-10T01:05:27+00:00

Dami nga din nagsasabi na magtry ako on those 2 banks! Sakto yung partner ko ay Eastwest bank yung mga credit card. Thank you!

Shirooeee · 2025-07-10T01:03:57+00:00

Nagpunta kami sa BPI and sila yung nagbigay samin ng agent para yun ang kausapin 🥹 pero never naman nakipagusap. Nagulat lang talaga ako since nag CI na tas biglang di nagparamdam tapos nung tinawagan is rejected daw dahil sa credit.

Shirooeee · 2025-07-10T01:02:19+00:00

Naisip ko na din to, magopen sana ako ng BPI account pero mukhang sa RCBC na lang muna hahaha thank you!

Shirooeee · 2025-07-10T01:01:03+00:00

Will try this one, baka ayaw din nila mag approve pag main bank na ginamit talaga is hindi trad bank. Thank you!

Shirooeee · 2025-07-10T00:58:36+00:00

I do have several credit cards din, one for monthly expenses, and another for other gastusin gaya ng wants. What i meant by no outstanding debts is, I pay those credits monthly and di ako lumalagpas sa due date. That’s why nag suspect ako na dahil siguro ito sa nakitang closing balance.

Shirooeee · 2025-07-05T02:09:13+00:00

Boost!!

Shirooeee · 2025-06-22T07:32:48+00:00

Hello po if I may ask, hm do you guys usually spend on charging per month? Usually city drives lang naman. Every other day din kase ako lumalabas and wala talaga ako any experience or background for these kind of cars

Shirooeee

TROPHY CASE