Help: Selling my car assume balance

**Syuryuken** · August 28th, 2014 04:50 PM

Originally Posted by shadow

Huwag mo na isipin fair price na makukuha mo dahil walang engot na magbabayad ng brand new price for a second hand car.

Ganito lang kung ako kaya ko naman pala I assume yan car loan mo eh di ako na lang kukuha ng sarili kong loan kesa assume ko pa yun balance ng iba

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sakto brand new pa

**bugoys** · August 28th, 2014 05:00 PM

Pardon my ignorance, but school me on buying assume balance car.

OP said the MA is 12, 500 for 39 months, that's 487,500 to be assumed by the buyer. Now sa olx price range for a vios 2012 1.3G a/t is around 430-480k. So pano pa mabebenta yung kotse ng fair sa owner (ts) sa iba if dun pa lang sa total assume balance eh mas mahal na sa market price?

**Syuryuken** · August 28th, 2014 05:13 PM

Originally Posted by bugoys

Pardon my ignorance, but school me on buying assume balance car.

OP said the MA is 12, 500 for 39 months, that's 487,500 to be assumed by the buyer. Now sa olx price range for a vios 2012 1.3G a/t is around 430-480k. So pano pa mabebenta yung kotse ng fair sa owner (ts) sa iba if dun pa lang sa total assume balance eh mas mahal na sa market price?

cash price kumpara sa utang na may interes

**1D4LV** · August 28th, 2014 05:55 PM

Originally Posted by bugoys

Pardon my ignorance, but school me on buying assume balance car.

OP said the MA is 12, 500 for 39 months, that's 487,500 to be assumed by the buyer. Now sa olx price range for a vios 2012 1.3G a/t is around 430-480k. So pano pa mabebenta yung kotse ng fair sa owner (ts) sa iba if dun pa lang sa total assume balance eh mas mahal na sa market price?

tama computation mo bro.... kaya nga luge yung nagbebenta ng assume balance eh. may risk pa dun sa buyer dahil baka hindi ibayad ni seller yung binayad nyang pera.... lalabas nyan, magiging hot car yung oto.

kung talagang hindi na kayang bayaran ng TS, i give up na lang.... tatlong taon pa yan eh.... or as i've read here, a previous suggestion is ipasa kay papa.... sya magtuloy ng bayad..... yun eh kung afford din ni papa, o kung gusto nya yung oto.

not to blame the TS ha? but yan din ang hirap sa mga car buyers natin eh.... pinipilit ng loan and kumuha ng brand new, pero in long term, hirap na palang hulugan..... much better kung nakaipon muna ng onti and bumili maski lumang second hand.... cash naman, walang iniisip monthly.

wala pa dyan cost of maintenance and cost of fuel ha?

**Syuryuken** · August 28th, 2014 06:13 PM

nakakaengganyo kasi yung "LOW DOWN" hindi iniisip yung MA, insurance, fuel, maintenance.

**_Cathy_** · August 28th, 2014 07:02 PM

Originally Posted by bugoys

Pardon my ignorance, but school me on buying assume balance car.

OP said the MA is 12, 500 for 39 months, that's 487,500 to be assumed by the buyer. Now sa olx price range for a vios 2012 1.3G a/t is around 430-480k. So pano pa mabebenta yung kotse ng fair sa owner (ts) sa iba if dun pa lang sa total assume balance eh mas mahal na sa market price?

Nalilito din ako dito.

Kapag assume balance ba ico continue niya yung payment ng 1st owner? Luging lugi ata yung buyer based on that computation nga na P487,500 to assume plus cash payment pa for the 1st owner???

**[archie]** · August 28th, 2014 07:11 PM

Di bale Sana kung less than 1 year to pay na lang pero halos buo pa loan.

Lahat ng ginastos sa monthly and down payment, yun na depreciation cost.

Kung ako yan bibigyan ko 5k pangpalubag loob na lang sa owner.

**eminem6480** · August 28th, 2014 08:10 PM

Ask ko na din:
Kung sakali naman ang reason is gusto lang magupgrade to new car, tapos yung owned car is may remaining pang 3 years to pay, ano ang mas maganda para sa seller? - Ibenta na agad yung car na may assuming balance or kumpletuhin na lang na mai full payment bago ibenta yung car?