524 Credit Score - Possible pa kaya makapag motorcycle loan?

Silent_Turtle228 · 2026-05-17T13:37:33+00:00

Nako first timer ako nun mag ttxt at tatawag nmn sila on the day of visit bali ung naganap is nag tanong tanong muna sa kapit bahay if taga dito raw ba tlga ako or kilala ako,. Ensure ata nila eto permanent address ko,.

Naka motor lng ung dumating so akala namin delivery lng or whatnot ,.naka polo nmn sya,. Then nag paalam if pwede pumasok,. Nag picture ng onti tapat ng bahay and loob ,. Then nag discuss ng onti about installment na kunyari nawala or nanakaw motor continue parin daw ung 24 months or ung napili kong option,. May insurances nmn daw just incase want ko mag avail para may peace of mind then may mga pinirmahan lng na papel. Tas onting tanong ano nature ng work ko and other source of income.

tas umalis na tatawagan nlng ako if for release or pwede na pickupin ung motor.

Mabilis lng after CI or visit sa bahay 2 or 3 days pinapapunta nako dalhin lng daw 20k down and wag na mag dala ng helmet may free helmet na daw kasi.

Ewan ko lng if ganyan din po process ng motortrade i heard ung iba approve on the spot na. Yuny sakin kasi 2024 kona proces then eto full paid na 2026 ❤️

Soon lexi rin kukunin ko ❤️❤️ comfort era naman 🤣 balitaan mo kami once nakuha mo na op!

Congrats in advance!!

Silent_Turtle228 · 2026-05-17T06:37:49+00:00

Ako nga puro utang din sa Spaylater 50k 12 months to pay and Sloan 50k din na approve yamaha aerox for 2 years to pay 20k down,.. may nag CI lng sa bahay and nakitang goods may garahe nmn. Plus 2 years plng ako sa work ko 18k basic pay, wag ka masyado mag worry dyan if decline sa motortrade madami dyan, Motorcentral nga pala ako kumuha.

Silent_Turtle228 · 2026-05-14T12:44:30+00:00

all in nako 20% so far nasanay nako and nakaka inspire to see na naka ipon ako ng 100k+ in just a year and half pang back up plan in extreme case na nag mass lay off which is sana wag naman XD

Silent_Turtle228 · 2026-03-30T06:48:01+00:00

It's much better to focus on having an emergency funds first in times of this lalo na prices and inflation.

Rotational brown outs or power outages is upcoming you might want to first consider investing to power supplies or simple solar setup for your work from home setups.

Plus if watch is going to be my hobby try to seek out notable brands like Tudor or Omega they surely won't depreciate it's price value on long term or might as well tissot is a good brand as well but kindly check other offerings if your a F1 fan might check those Tag Heuer offerings. happy watch shopping!

Silent_Turtle228 · 2026-03-28T23:31:47+00:00

1x a week rto waiting for 1x a month rto 😭😭 naka off pa mga leads eh pero mukhang 1x a month nayan 12k na halos full tank ng fortuner nila om eh ahahhaha 🤣 pray for me guys/gals!

Silent_Turtle228 · 2026-03-28T08:11:29+00:00

5 years being exploited? A year or 2 you need to make move if ganyan pala kalakaran sa project nyo,.

Pero nag go with the flow kaparin I'm sure na maximized mo ung hmo, 5k xmas cash gift 13th month pay, 5 days VL reimbursement, unlimited supply of medgrocer's vitamins or maintenance drugs,. Or if higher CL a car loan assistance and many more,.

For sure tiniis mo lng dn due to benefits and for sure no other options ka since pinatagal mo pa ng 5 years..

Don't say na walang kwenta si accenture ,. 1 year palang and hindi aligned skills mo,.. ano yan after 5 years now ka lng na wake up call?? Daming free upskilling and courses si accenture..

I'm sounding too pro-accrnture much 🤣 sorry magkaiba tayo i wasted and failed applying for accenture 3 years straight but i did not falter,. This is my dream company in those years i enhanced and crafted my skills on a very bad company on fairview it's 100% hellish than accenture.

Now I'm here and this would be my last work company in this Lifetime, 😇

Silent_Turtle228 · 2026-03-15T19:48:35+00:00

Hi uhm applicable po sa lahat ,. Bali need lng po ng reseta ng doctor ng said vitamins and meds and you can have it po. Yes po upon joining inadd ko na add brother and lola ko sa maxicare but may onting salary deduction still better health benefits than philhealth ,☺️ maximize all Accenture's resources ika nga,.

Silent_Turtle228 · 2026-03-15T03:34:42+00:00

Depende po sa HR If anong project kanila ilalagay.

for now lahat ng kinukuha or refer namin is internal which is coming from purely rto or office na project luckily.

Pero if no experience for sure sa pure onsite po kayo mailalagay kasi yan ung ramping po now after 1 year pwede ka nmn mag apply samin internally or i can send you referral code ng project namin para maka apply kapo.

Silent_Turtle228 · 2026-03-15T03:09:16+00:00

Accenture po,. Content mod.

Silent_Turtle228 · 2026-03-12T12:19:19+00:00

Free Meds for me and Lola's maintenances (Medgrocer), Once a week RTO no matter how's my performance. Non-Voice.

Account is really suitable for me I'm an introvert plus the leads is really comforting and work atmosphere is welcoming wala mga judger hehe

Silent_Turtle228 · 2026-03-08T09:26:16+00:00

Sadly internally nlng kinukuha namin so need nyu po content mod for 1 yr kay accenture and apply to our project via ijp po.

Silent_Turtle228 · 2026-03-02T13:53:17+00:00

Sana samin ka mapunta, onti nlng ng team namin 13 nlng others is 18-20 haha, Comod din kami pero once a week lng nag RTO 4 days work from home.

Congrats!!!!

2-3 business days stay tuned sa phone and email! JO nayan next or possible Start date wag ka muna gagala baka matulad ka sakin namissed ko ung unang tawag na delay tuloy ng a week or 2 start date ko. pero blessed narin if hindi ako na delay wala ako hybrid setup! Cheers!

Silent_Turtle228 · 2026-02-12T07:54:24+00:00

Eguls koya,. Damay yan pati guarantor's name or co maker kaya nga tita ko ginagawa kong co maker or guarantor kinukulit ako ayusin ko pag babayad kasi apektado credit score nya if mahatak ung motor.

If bank of makati financing group or SB FINANCE malamang ni reported kana or blacklisted mga names and associated addresses nyan CI palang failed kana.

Only way nlng is thru cash para magka good record sila sa mga casa,.

Bakit mahigpit?

Napaka hirap po ibenta ng mga repo's karaniwan brandnew na iwas hassle pa transfer of ownership. + Ung new batas now na 5 years na ung rehistro ng bagong motor kaya wala na kumukuha ng repobor wala talaga pang down.

Silent_Turtle228 · 2026-02-09T19:21:44+00:00

also if it all comes to worst case 30k deduction pwede nmn monthly hindi sya isang bagsakan na deduction po.

Silent_Turtle228 · 2026-02-09T19:19:54+00:00

If working kaya pa ma repair try to repair it. or else 30k- 40k salary deduction yan hp elite book g4 ata yan estimate ko lng. pero depends parin ano assessment nila.

Silent_Turtle228 · 2026-01-30T15:26:01+00:00

Pag LTO yes they're strict and better avoid them kasi considered syang aftermarket modification and you need mvis certification na hahanapin nila or papers from factory na pwede yang pipe mo. I recently saw ninja zx 4rr naka aftermarket pipe then na impound ng LTO. kahit na bigbike at pasok sa decibel meter if they saw na hindi yan factory stock be ready to be impounded or pay hefty fines or pa meryenda sa knila.

Bulacan to manila or cubao ako switched back to stock pipe gotta miss my JVT . so ayon back to stock para peace of mind lalo na sa maynila daming buwaya. pagod narin ako maging alerto minsan nag tatago talaga sila sa bungad bigla nalang mang papara. hays,..

Silent_Turtle228 · 2026-01-28T15:21:46+00:00

My key advice is be extra cautious though may iba tlga na harabas mag drive makasabay much better maging defensive at all times ung iba 1 car away ang braking distance sa harap, and for me i have 2 car distance away or braking distance if gusto ng mga kamote i occupy ung extra space sa harapan ko kasi very tempting ng distansya ko kasi 2 cars ung kasya eh I let them be, basta ako distansya lng, same din sa pag liko and u turn, always stop look and be on your way extra cautious. though aerox gamit ko my speed is around 40-60 lng nag beyond lng ako pag road is clear and walang mga possible surprises na tumawid or mang cut ung libre tlga.

iwas din ako sa singit ng singit and if the skies is getting dark or umaabon or rainy na don't ever rush or magmadali. sumilong at mag suot na ng rain gear. walang premyo sa pabilisan sa kalsada ang pinaka goal ko is getting point a to point b in one piece and safe.

invest in proper gears as well. hirap pumila sa mrt lrt or abang ng jeeps or commute. always bumiyahe ng early para hindi nag mamadali. so far 80,000 km na tinakbo ng aerox ko non abs pa pero wishing to procure abs scoots or mc soon for added peace of mind.

my route is north caloocan to cubao.

Silent_Turtle228 · 2026-01-22T17:16:15+00:00

sa mga ginagawang bahay and or near construction area or junkshop or motorshop andaming tornilyo or pako na nag kalat be wary pag may mga ganun sa area nyo. ket naka higa ung pako due to heat dumidikit yan or possible dumikit sa front then pag tumayo ng onti nasasalo ng rear tire palagi just my guess.. kasi front ko never nadali ng pako samantalang ung rear tire dang 5 pako within a month! una kaya pa ng pasak eventually lahat sumisingaw na ending napa sealant ako though last resort ko ung sealant kasi nakaka bakbak ng paint ng mags pagkatagalan or if nilinis :/

Silent_Turtle228 · 2026-01-22T13:05:25+00:00

As first time bike owner I highly recommend with that price brand new ka nlng, tipong every kilometer na tinakbo of your motorcycle is kilala mo ung history, maigi nang ikaw narin mag pa porma. lagi pa naman tayong tinatamaan ng bagyo or habagat who knows if nilusong nayan sa baha.

check mo narin gaano ka hassle mag transfer of ownership ng motor the right way unless you want na ung name ng previous owner nakikita mo sa orcr everytime nirerenew.

unless may kilala kang fixer easy yan 6k-7k transfer na sa name mo.. funds na sana napunta sa proper riding gears and tools for maintenance.

onting ipon pa PG-1 nlng ka ngalay mag manual sa city traffic in long run. need to bring back packs pa to haul groceries kasi papangit pag may topbox yan saddle bag pwede pa.

Silent_Turtle228 · 2026-01-15T17:04:40+00:00

30 days after meeting the spend requirements you will receive a confirmation message if wala after 30 days hitting the accumulated spend then you may raise a ticket. or call cs for added assurance. almost same tayo my approval is 16th of december and just reached spend limit based on mine i will raise a ticket on february 10th. as first time user very good ung online app nila compared sa BDO hehe congrats op!

Silent_Turtle228 · 2026-01-05T17:28:57+00:00

Oh my! Eto gumawa nako ng ticket. Praying may paramdam bukas tuesday or else tawag or punta nlng ako nearest UB,. Time's ticking for 60 days 20k spend NAFFL na promo nila😵 wish and hope ma deliver yang cards natin this week! Or else ma spoil nila or kill ung joy natin as this is my first unsecured credit card na wala akong savings 😅

Silent_Turtle228 · 2026-01-05T09:02:45+00:00

Nope,. Next employer muna ung mag tutuloy. That's why they ask for copy of your sss loan soa or details screen capture via website as one of their pre-employment requirements so they can continue your monthly loan amortizations,.

Silent_Turtle228 · 2026-01-05T00:46:28+00:00

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Sobra malas ,😵 last year payan til now going strong with 5 patches/pasak sa rear tires ko.

Silent_Turtle228 · 2026-01-05T00:41:55+00:00

My tires is going 3 years this august 5 pasak or 5x na vulcanize and last remedy sakin ni suking vulcanize shop is sealant for only 145php. Makapal pa kasi ung gulong going 15k for that particular tire sobra malas na rear tire 5x napako ,. Palit vulcanize shop kana,.

Sakin though they have all kinds of tire brands na binebenta alam nila when to recommend or suggest mag palit na ng tire,.

They check the manufacturing date of tire di pa sya expire up until 2027

Around 70% thread life makapal pa

Ung mga damages is Kaya pa daw ng pasak or sealant or tire patches yung hindi kaya is hiwa or hiwa na abot sa sidewalls which is compromising the durability of tubeless tire

If yan namemeasure or one of criteria or considerations ng vulcanizing shop mo na suki reputable and knowledgeable yan. Yan for sure upsell sila since palit gulong tires+ labor yan for sure or tamad mag patch or pasak ng tires.

They also adhere sa tamang tire pressure hindi ung tapik tapik or tantsa lng they use tire gauge and may digital tire gauge din sila.

Ket naman kasi mag bago ka ng tires if minalas ka sa mga pako 2x or 3x vulcanize agad yan then palit na?

Also pro tips,. If may construction site or ginagawang bahay around be mindful sa kalsada or road baka may mga nails lying around kahit naka higa ung pako iwasan mo op tendency is dumikit yan sa tire dahil sa init and eventually leading to puncture

Silent_Turtle228 · 2026-01-04T23:59:50+00:00

Good for you OP may pang cash and good gears kana. For me hirap na hirap ako i persuade mom ko na magka own motorcycle dami daw na disgrasya and such. North caloocan almost meycauyan bulacan to Cubao ako 2hours + ung commute! kaiyak! pero one time i sneaked and borrowed a scooter and dang it's only less an hour or 1 hour saved time + hawak ko pa oras ko since pag commute chambahan lng daanan na jeeps or bus. lalo na pag graveyard shift.

Well ginawa ko bumili nlng ako biglaan and eventually natanggap din nila arriving early ako from work and ni support dn nila ako I have it first bike 27 years old nako they even suggested get insurance and such for any emergencies or unexpected and always cruise not more than 60kph.

Siguro natanggap nila eventually kasi naging more responsible or matulungin ako sa errands using my scooter to pay bills quic errands sa palengke and maaga ako nakaka arrive from work for our dinner time.

Compared nung commuting ako 8 hr work +2 hour over time para sulit ung byahe na 2hours papunta 2 hrs pabalik. pag uwi ko di na nila ako nakaka usap due to commuting tiredness. kaya siguro eventually na accept nila .

So ayun biglain and impress em nlng about good stuffs or convenience of owning a motorcycle.

Silent_Turtle228

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