lowest auto loan rate

[Katha21]

try po nyong i-compare sa mga previous posts (meron sa page 25).
yung mga na-post nung ibang forumers way below 3% nung
vehicle price yung premium. ibang insurance company nga lang.

kung yung price nung city 1.3S AT is 786000 at pagbabasehan yung
premiums nung ibang post dito - yung 24K is over 3%.
ok naman feedback sa BPI MS so i guess ok na din siguro yan.

and don't take me as someone knowledgable RE: insurance
balak ko din kasi sa BPI mag-avail ng auto loan kaya interested ako kung
magkano yung premiums. pero canvass mode muna ko.

Go Bro! It does pay to do your assignment and make a lot of research before we enter these kinds of transactions. If you try to aggregate the amount you will pay for the entire loan term (say 5 years) for the insurance. I t would still be lower in BPI as you are getting the first year insurance premium for free.

[999]

guys ..got mine at 25.65% oma rate...pm me ill send you my contact with psbank. fast approval..and madaling kausap...mabilis lahat ang transaction

[Katha21]

Good deal sir.what freebies are you getting?

[obsessed]

pa pm na din sir.naghahanap din ako ng magandang deal.balak ko sana eh innova g a/t.nag inquire na ako sa metrobank kaso parang matass pa rin eh.kung sa mga dealer naman eh mukhang nadadaya sa monthly(tinataasan)kunwari promo kaso nakasama din pala sa babayaran.

salamat.....

[stavros]

Share ko lang ginawa ko technique ng last time nag auto loan ako. Nagapply ako sa bpi, psbank and metrobank. Psbank pinakamababa at 22.65% for 48 months. Ginawa ko tinawagan ko bpi sinabi ko yung psbank nag offer ng 20.65%, binawasan ko talaga ng 2% yung original offer. Tinapatan nila from original offer of 23.75%. Tinawagan ko naman metrobank and sinabi ko na bpi binigay 19.65%, binawasan ko ng 1% from original figure, tinapatan,ulit ulit lang ako pagtawag sa tatlo habang binabawasan ko mga offer nila, ayun nakuha ko psbank ng 15.24% in 48 months.that was june last year. Ganyan technique din ginawa ko sa casa naman, dalawang casa kunyari may freebies na ganito ganyan pero wala naman, every negotiate ko may nakukuha ko freebie na kunyari ibibigay kabilang casa. Sa dami ng mahal na freebies na nakuha ko at sa baba ng interest rate, sulit yung auto loan ko.

[Katha21]

Share ko lang ginawa ko technique ng last time nag auto loan ako. Nagapply ako sa bpi, psbank and metrobank. Psbank pinakamababa at 22.65% for 48 months. Ginawa ko tinawagan ko bpi sinabi ko yung psbank nag offer ng 20.65%, binawasan ko talaga ng 2% yung original offer. Tinapatan nila from original offer of 23.75%. Tinawagan ko naman metrobank and sinabi ko na bpi binigay 19.65%, binawasan ko ng 1% from original figure, tinapatan,ulit ulit lang ako pagtawag sa tatlo habang binabawasan ko mga offer nila, ayun nakuha ko psbank ng 15.24% in 48 months.that was june last year. Ganyan technique din ginawa ko sa casa naman, dalawang casa kunyari may freebies na ganito ganyan pero wala naman, every negotiate ko may nakukuha ko freebie na kunyari ibibigay kabilang casa. Sa dami ng mahal na freebies na nakuha ko at sa baba ng interest rate, sulit yung auto loan ko.

Wow! Galing nito...sayang kabibili ko lang nitong March. I should have known this earlier...Fudge!

[xwangbu]

eto from BPI (sa promo nila ngayon na free first year compre insurance)
mainit-init pa (kanina ko lang nakuha sa manager ng BPI Malolos Branch):

20% DP
OMA:
36monhts - 15.56%
48months - 21.39%
60months - 28.41%

in arrears:
36monhts - 16.48%
48months - 22.38%
60months - 29.5%

antaas nga lang ng insurance saka participation fee. for MS ASX GLX 4x2:
comprehensive premium is 37,247.69
participation fee is 6,375.00

for AVANZA 2012 1.5G A/T
compre premium is 25,800.50 tapos participation fee is 4,340.00

(di ko pa alam kung ano pa freebies na kasama).

[999]

lahat ng standard freebies, honda units wala naman masyadong freebies dito...unless marami silang unit db?

pero i think the best na din nakuha ko at 25.65% oma rate for 5 yrs...i don't like to go bank hopping. nakakapagod din..loyal na ako sa psbank ko...and with my account officer..oks na ako

[rap2_tan]

We got our montero * 4.62% for 1 year standard rate at BDO : )

[rmsoriano]

Share ko lang ginawa ko technique ng last time nag auto loan ako. Nagapply ako sa bpi, psbank and metrobank. Psbank pinakamababa at 22.65% for 48 months. Ginawa ko tinawagan ko bpi sinabi ko yung psbank nag offer ng 20.65%, binawasan ko talaga ng 2% yung original offer. Tinapatan nila from original offer of 23.75%. Tinawagan ko naman metrobank and sinabi ko na bpi binigay 19.65%, binawasan ko ng 1% from original figure, tinapatan,ulit ulit lang ako pagtawag sa tatlo habang binabawasan ko mga offer nila, ayun nakuha ko psbank ng 15.24% in 48 months.that was june last year. Ganyan technique din ginawa ko sa casa naman, dalawang casa kunyari may freebies na ganito ganyan pero wala naman, every negotiate ko may nakukuha ko freebie na kunyari ibibigay kabilang casa. Sa dami ng mahal na freebies na nakuha ko at sa baba ng interest rate, sulit yung auto loan ko.

sir, mukhang sobra na sa baba yung 15.24% in 48 months. It's actually less than 4% annual rate. Maybe you can PM me your contact person in PS bank para naman makakuha ng lower interest rate rin yung ibang kasama natin na gustong mag-car loan.... TIA..

[stavros]

Mababa talaga sir kaya sulit na din. I forgot to mentioned that 40% pala yung downpayment.

If i share yung contact info ng humawak ng loan ko sa PSBank, may malaking chance na malalaman nya ginawa ko and baka magkaroon pa ng issues next time na magloan ako. In a way kase, i just manipulated them to get a lower rate. anyways, i already shared naman yung exactly na ginawa ko, try mo din kung effective sayo.

[rmsoriano]

Mababa talaga sir kaya sulit na din. I forgot to mentioned that 40% pala yung downpayment.

If i share yung contact info ng humawak ng loan ko sa PSBank, may malaking chance na malalaman nya ginawa ko and baka magkaroon pa ng issues next time na magloan ako. In a way kase, i just manipulated them to get a lower rate. anyways, i already shared naman yung exactly na ginawa ko, try mo din kung effective sayo.

Ah ok sir, No problem will tell some of my buddies here about that. BTW, recently got approved with a car loan from a bank and already used it, I did the same what stavros did, haggling from the 3 banks, metro, Ps and BoC. the lowest that I've got is 25.72% from BoC, psBank is 26% while metro is 28%. I think napiga ko na ng husto ang metro and ps just because di naman ako nagmamadali for having our second car, beside ang tagal ko talaga hinintay ang unit from honda dealer. My dp is 35%....amortization for 5 years..

[stavros]

Try mo din chinabank and bpi sir. More banks, more chances of winning este haggling pala. Hehe!

[Globerc]

I recommend PSBank Balintawak for bank auto loan. Sobrang bilis ng approval.. 3-DAY STEP:
1. MOnday afternoon, i called the branch manager Mr. Benamor Florencio to inquire, nagemail cya ng list of requirements at may finill-up-an lang ako na form through email din. Wala pa akong sinasubmit na requirements.
2. Tuesday morning (kinabukasan lang), approved na raw ang loan.
3. Wednesday morning i submitted all the requiremnts, down payment... And in the afternoon, release of the car na.

Sobrang bilis at mababa ang rate ng PSBank. You may contact Mr. Florencio for loan assistance :
09228407027

[bhasty]

*Globerc - ano yung deal na binigay sa iyo? interest rate at years to pay? thanks

[rmsoriano]

I have already talked to so many friends and bank managers that I know, the "15.24% rate in 48 months period" is still to good to be true right now for the banks to offer.... just maybe in the future...... JM2C.... maybe...

[Walter]

I have already talked to so many friends and bank managers that I know, the "15.24% rate in 48 months period" is still to good to be true right now for the banks to offer.... just maybe in the future...... JM2C.... maybe...

There's 3.66% per year, special reimbursement rate, OMA. So 15.24% is believable already. Bank managers will give good rates depending on the client.

[mnsantosjr]

Bago lang po ako dito at nagbabalak din bumili ng kotse.
Ask ko lng po about car loan, dapat po ba may account ka sa bank n kukunan mo ng loan? Kc po BPI at BDO po ang banko ko pero parang gusto ko mag loan sa PSBank. Pwede po ba yun?

[lukscudkil]

we are giving free petron gas card and low interest rates even to non client. you can reach me thru mmherrera*bankcom.com.ph.

*free gas card is til June 30 only.

thanks

[ZENMasterTYL]

got my loan (with OMA) in bpi * 14.58% in 36 months