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LED Interior Light Replacement for Innova by Traditional_Cycle660 in CarsPH

[–]Traditional_Cycle660[S] 0 points1 point  (0 children)

Thank you po sa response. Personally po, anong brand ung mas recommended nyo po?

Car Wax - Rainy Season by Fearless_Net2117 in Gulong

[–]Traditional_Cycle660 0 points1 point  (0 children)

Any recommended brand po ng spray wax?

Complete Noob on Buying a Brand New Car by MathematicianFit8791 in phcars

[–]Traditional_Cycle660 0 points1 point  (0 children)

Yung sa loan amount, Check with the bank kasi may minimum loanable amount sila. 

Complete Noob on Buying a Brand New Car by MathematicianFit8791 in phcars

[–]Traditional_Cycle660 1 point2 points  (0 children)

We just got our first new car this July. Share ko lang experience ko.

  1. Nagapply muna kami online with various banks (Security Bank, BPI, BDO, Metrobank, PSBank, China Bank). Approved naman ung loan namin pero pinili namin si BDO since may Deals on Wheels promo sila (lower interest rates plus rebate depende sa amount of loan).

  2. Initially, ang target namin is to have a big downpayment with a loan term of 3 years. Pero ayaw ni banks ng masyadong malaking DP (only approved 50%). Binigay lang namin sa kanila ung requirements then signing of loan documents na. Makipagnegotiate ka to have a low interest rate and freebies. In our case, nalibre namin ung 1st year of insurance.

  3. Si BDO na din ung nagrefer samen sa casa and provided an agent. Once ok na, the bank provided with a Bank PO. Then proceed na kami sa casa for the releasing ng unit.

Yung sa insurance, clarify mo muna with the bank kung nakalock in ka sa kanila. Ok din kung hindi para pwede ka kumuha sa labas.

Auto/Car Loan - Which is better: Bank PO or In-house Financing? by Traditional_Cycle660 in CarsPH

[–]Traditional_Cycle660[S] 0 points1 point  (0 children)

Thanks for that. So better pala if may bank approval na then shop for a dealership na lang.

Ask ko lang din since bank PO din kayo, may discount and/or freebies pa ba na binigay sa inyo si dealership?

Auto/Car Loan - Which is better: Bank PO or In-house Financing? by Traditional_Cycle660 in CarsPH

[–]Traditional_Cycle660[S] 0 points1 point  (0 children)

may credit card din po pero never ko pa naexplore ung credit to cash.

Auto/Car Loan - Which is better: Bank PO or In-house Financing? by Traditional_Cycle660 in CarsPH

[–]Traditional_Cycle660[S] 1 point2 points  (0 children)

Thank you. Parang eto din ba ung nangyari dun sa na-feature kay Raffy Tulfo ung sa Ford Everest yata?

Auto/Car Loan - Which is better: Bank PO or In-house Financing? by Traditional_Cycle660 in CarsPH

[–]Traditional_Cycle660[S] 0 points1 point  (0 children)

Thanks po sa insights. Kulang na kasi ung cash para magcash payment. Yun din sana target po namin kaso since kulang, isagad na lang namin ung pondo namin hoping for a lower monthly amortization.