lowest auto loan rate

[jEnnAholic]

I made several inquiries, what I did was, I ask for quotation from each bank then compare it. Then kung sino yung lowest quotation, pinapakita ko lang sa isang bank and then tatapatan nila yun or either bababaan ng konti. then do it again show to the other bank the quotation you got.

[mark_t]

[quote=creepy;72367 that.[/quote]


OT

Hi creepy,

Nagtatanim ka ba talaga ng kamote?

I am planning to start my own sweet potatoe patch
this year.

I am targeting to plant 2 varieties and would
like to now or compare notes on pests that you encountered.

[kishAn]

hi guys! try nyo auto loan program and package namin sa MVES auto finance and insurance services. we offered low downpayment promo for brand new cars, fast and sure auto loan approval, competetive rates, we process cmap accts.. and we also accept re-financing for quality used cars.

can you post a sample quotation for a 1 million auto unit with complete details that include DP, CM fee, Monhtly amortization(rate), and insurance. TIA

[Bin Diesel]

can you post a sample quotation for a 1 million auto unit with complete details that include DP, CM fee, Monhtly amortization(rate), and insurance. TIA

oo nga po sir wendel, provide naman kayo ng sample computation ninyo.

[wifi21]

Eto sample rates natin for P1M worth of car:

20% downpayment - P200,000
Amount to be financed - P800,000

Terms - 60 months or 5 years
Monthly amortization - P18,147

Chattel mortgage- P20,101 (one time payment lang ito)

Pwede rin tayo mag one month advance - meaning you'll pay your first monthly amortization together with the downpayment and chattel mortgage payment.

Your monthly amortization will be P17,960 naman.

Pag interested kayo magpa quote, send me a PM nalang. I work directly sa bank. We also have mga pre-owned units available. 30% dp and up to 3 years to pay.

Mga bossing, if employed kayo, we also have this corporate auto loan program wherein you can avail of our special corporate rate -- much lower than the rate given by the bank. Pwede po individual availers basta may blessing ng HR ninyo na they will have a partnership with us. No commitments naman to sa employer nyo. What they will just do is to announce the said program to employees tapos you'll enjoy the special rate na.

PM me for more info. Thanks a lot.

[atlantico]

@ mitsubishi toph,accept din po b kayo ng trade-in?

[Dong Castro]

@ mitsubishi toph 6% ng total amount kung 12 months?
meaning kung 1 million ang amount ng car, magiging 1,060,000 ang amount ng car?

ano ano ang mga requirements para sa car loan? kayo na ang maglakad sa bank?

mas maganda ba na sa dealer pumunta para mag laon compared kung sa bank dumerecho?

[norman fajardo]

thanks for the info. interested in getting a montero but need to find out the best rate i can get. approve na ako sa BDO a few months ago.

[norman fajardo]

hi peeps, im tophe sales executive of mitsubishi motors, dealer -citimotors,inc. (bawal nga lang sa other brands, pero kaya pa rin kahit anong brand mag compute.)

im an expert when it comes to this rates, eto kasi talaga work ko.

rates varies depending on profile of the applicant.

example:
a. if cmap positive ka your lowest rate would only be 0.82 - 0.88% / month.
so if na mention nung isang poster dito is 0.92%/month sa bdo mababa na. think again po. mataas po yan.

b. if approvable ka like let say, I have you approved to numerous banks
bpi, chinabank, ps bank, maybank, union bank. the rate of 0.42% to 0.5% pde bigay sa inyo. kasi pde sila maghabulan. (pde ko gawin un kasi I have access to all banks approving officer which can't be done by ordinary men, kasi they are also protecting us agent, kaya di sila gano namamansin-bka mistery shopper kumbaga)

c. if let say na approve ka sa bpi lang, then bpi rates would apply.

d. depending on the terms, rates vary per year let say

12 months 6.00%
24 months 12.70%

example 12 months is 6%, pag 24months it doesnt necessarily mean na 12% din kasi doble. merong additional sa 24mons ng 0.70%

source: bpi

e. it is indeed true na my low interest rate. pero this are offered to corporate accounts or fleet accounts. pero lower than 3-5% lng naman.
parang nag order kalang ng 1 bucket of beer during promo hours. hehehe

f. why should you go from one bank to another bank or dealer to another dealer if I could have all the banks call you? (sila na papalapitin ko sa inyo)

if napa approve ko kayo, we'll apply the rate of the bank na nagapprove sayo. let say si bpi, or ps bank. compare natin both offers nila, less hassle and can be done in only 3days.

if cmap ka and you know it, your only option will be 0.82%-0.88% per month. expect a higher monthly amortization.

cmap - credit management association of the philippines:
it is some sort of a data base shared by local financing firms, dito nila nalalaman if meron kang kaso.
immortal sins of loan:

cancelled card - cancelled or closed - kahit pa na bayad mo, make sure to get a certification or else you'll suffer. ganun sila kalupit, masisira name mo.
replevin - hinatakan
bounced cheque

other reasons na di maapprove:

place - province malayo sa bank within 5km or parang squatter area, bahain ang area, wlang garage (minimal problem)

some problems ng ofw na iba kaya di maaprove:
inconsistent pagpapadala, masyadong mababa proof of remittance pra sa amortization, walang contract-tnt, wlang pde magco-make sa pinas kasi both are abroad working.

eto mostly reasons why people have no choice with interest rates, kaya if gusto mo talaga you have to grab the opportunity.


note: 2nd hand units mostly requires higher monthly down minimum of 30% and higher monthly amortization. up to 1.3% per annum (parang credit card sa pagka mahal. disadvantage: unit no longer warranty pero nagmonthly ka pa.


For Inquiries, you may reach me at:


i'll just leave everyone one advise... careful.

thanks for the info. interested in getting a montero but need to find out the best rate i can get. approve na ako sa BDO a few months ago.

[wen2t]

hi peeps, im tophe sales executive of mitsubishi motors, dealer -citimotors,inc. (bawal nga lang sa other brands, pero kaya pa rin kahit anong brand mag compute.)

im an expert when it comes to this rates, eto kasi talaga work ko.

rates varies depending on profile of the applicant.

example:
a. if cmap positive ka your lowest rate would only be 0.82 - 0.88% / month.
so if na mention nung isang poster dito is 0.92%/month sa bdo mababa na. think again po. mataas po yan.

b. if approvable ka like let say, I have you approved to numerous banks
bpi, chinabank, ps bank, maybank, union bank. the rate of 0.42% to 0.5% pde bigay sa inyo. kasi pde sila maghabulan. (pde ko gawin un kasi I have access to all banks approving officer which can't be done by ordinary men, kasi they are also protecting us agent, kaya di sila gano namamansin-bka mistery shopper kumbaga)

c. if let say na approve ka sa bpi lang, then bpi rates would apply.

d. depending on the terms, rates vary per year let say

12 months 6.00%
24 months 12.70%

example 12 months is 6%, pag 24months it doesnt necessarily mean na 12% din kasi doble. merong additional sa 24mons ng 0.70%

source: bpi

e. it is indeed true na my low interest rate. pero this are offered to corporate accounts or fleet accounts. pero lower than 3-5% lng naman.
parang nag order kalang ng 1 bucket of beer during promo hours. hehehe

f. why should you go from one bank to another bank or dealer to another dealer if I could have all the banks call you? (sila na papalapitin ko sa inyo)

if napa approve ko kayo, we'll apply the rate of the bank na nagapprove sayo. let say si bpi, or ps bank. compare natin both offers nila, less hassle and can be done in only 3days.

if cmap ka and you know it, your only option will be 0.82%-0.88% per month. expect a higher monthly amortization.

cmap - credit management association of the philippines:
it is some sort of a data base shared by local financing firms, dito nila nalalaman if meron kang kaso.
immortal sins of loan:

cancelled card - cancelled or closed - kahit pa na bayad mo, make sure to get a certification or else you'll suffer. ganun sila kalupit, masisira name mo.
replevin - hinatakan
bounced cheque

other reasons na di maapprove:

place - province malayo sa bank within 5km or parang squatter area, bahain ang area, wlang garage (minimal problem)

some problems ng ofw na iba kaya di maaprove:
inconsistent pagpapadala, masyadong mababa proof of remittance pra sa amortization, walang contract-tnt, wlang pde magco-make sa pinas kasi both are abroad working.

eto mostly reasons why people have no choice with interest rates, kaya if gusto mo talaga you have to grab the opportunity.


note: 2nd hand units mostly requires higher monthly down minimum of 30% and higher monthly amortization. up to 1.3% per annum (parang credit card sa pagka mahal. disadvantage: unit no longer warranty pero nagmonthly ka pa.


For Inquiries, you may reach me at:



i'll just leave everyone one advise... careful.

sir tanong lang po... yung 9.6% p.a. na interest sa in-house financing ok na ba yun? 5 yrs to pay w/ 20%dp. binigyan ako 50k discount at maraming freebies.