BANK FINANCING in the Philippines - Everything You Need to Know! | Philkotse Explain Like I'm Five
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- Опубліковано 2 чер 2023
- ADVERTORIAL: All in, Low Monthly, Interest Rate - there are a lot of terms surrounding a car purchase if you cannot buy it in cash. If you want to be sure what's the best option for you and some tips and tricks in bank financing, watch this video as Stanley talks with sir Dennis Fronda of BPI.
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galing nito, thanks Dennis and Stanley!
This is a very informative video. Great Job Philkotse.
Current rates sa Autro FInancing sa Pinas is 27 to 36 percent over 5 years... Bakit po ganoon? No wonder PH Banks have been having a windfall sa mga kumakagat ng Pinoy Buyers.. Tapos - pag nag early full payment ka - parang mali ang computation. Ang basis is not the remaining principal.. Ganon ba talaga?
Sa US in the inflation era -- mga 7% lang ang maximum APR -- I've not heard of APR sa Pinas. Anyone care to explain?
First time po kita mapanuod pero napa subscribe agad ako, thanks po sa info
good content. salamat sa magandang tips. kaso wala na yung my kotse sa bpi cguro? hnd ko nakita sa website nila? sana magkaron ulit?
good idea content 👍
Parang hindi na available ung BPI MyKotse, di ko makita sa website ng BPI.
Thank you. Saktong may Wuling EV test drive ngayon.
Pano kung naka loan ng 5 years, then 2 years palang gusto muna tapusin, possible ba ang pay out na walana interest?
Sir good day ask ko lang po my savings account po ako sa bpi ofw ako pg uwi ko ba ng pinas im eligible to apply for cash loan? At ano po requirements pg ofw sana mapansin po 🙏
Stanley...wala na ako / kaming income ng mrs ko pag retire namin nxt yr. Pero may mttngap kming monthly pension na $2k each. May pinatayo kming bahay worth 7M pss sa Las Pinas City. Kaylangan nmin ng 2 car ksi ayaw nya ng SUV pero ako gusto ko. Type nya bilhin Toyota Yaris ako naman FJ Cruiser. Pahiramin kya kami ng BPI? Wala kaming income tax records sa pinas pero sa USA meron...?
Need po ba maging member ka muna sa BPI para makapagAuto loan ka sa kanila?
This is very helpful!
Gra8 Job
Pwede po mag apply seafarer bank financing for car ?
Thanks po sa info ..kuha po ako soon car loan
Natawa ako. May 31 end ng promo tapos June 3 napost si video. XD
For the love of God my fellow Filipinos, don’t avail the 7 year loan kasi mas malaki pa yung interest kaysa sa loan amount. Buy a secondhand car instead if di kaya sa budget or ipon lang muna.
Kahit 5 years - range is 27 to 36 percent total interest. Samantalang sa US at the current "high" of 5-7 percent APR, di naman ganon kataas ang total interest earned by the GANID banks... I guess it is more fun to have a Car Loan in Pinas... Lolz.
Malamang! Common sense naman jusko
@@nelcaps1649😊😊
Hello po, Philkotse! What if previous may nahatak na car pero currently kaya ng kumuha ulit ng kotse, maapektuhan ba ang approval?
Ang alam ko blacklisted ka na which means you will not get any approval from any financing institution kahit anong bank pa yan.
Lodi very informative content. Lodi request lang sana ako, kasi wala pa na vlovlog tungkol sa car rental sa Philippines, kung mag kano ba kung papaano. Sa tingin ko malaking tulong sa mga tao nun lalo na yung mga magbabakasyon galing abroad. Salamat lodi.
Well, informative naman. Pero kasi kapag freelancer ka, grabe sila magpahirap. Ilang beses na ko na deny. Skeptic tuloy ako sa sinasabi dito
Paexplain naman po please. Kapag po ba bank financing, meaning sabay mo babayadan si banko for the amount you borrowed for the DP and si monthly nung car? Ganun po ba? Thanks in advance.
No. 1 time payment lang yung DP (hindi pwedeng installment). Yung MA lang yung babayaran mo monthly.
yung BPI mykotse they stretch out the plan to morethan 5 years right? pati rin ba ang total interest lalaki?
Yes po siempre hanggang 6th and 7th year
Pwede Po ba Yung sa truck?
how about seaferers sir
Thanks for the info Philkotse! eto yung hinahanap kong topic nung nakaraan
d
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😮😮
i send fsend send me
50 percent plus sa inhouse and 24 percent plus sa bank...
NICE, 72 MONTHS EQUIVALENT TO 6 YRS. PANALO YAN AH! BAGO👍👍👍👍
Thanks stanley at freelancer ako.
How about Reverse Financing for vehicle loan?
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Financing car in the philippines is not good at all. No diminishing interest is very outdated and needs to revised asap
Stanley. Ask mo rin si BDO. I paid to much to my bdoautoloan.48months to pay ako. Tapos computed ko excess payment ako. Kasi binayaran ko before my 4yrs.
How much monthly?
Hindi naman daw talaga gusto ng mga bangko na manghatak ng mga kotse. Pero too good to be true. Goodluck.
Walang kita ang banko pag maghahatak sila. Kaya malamang ayaw nila nun. Di kasalanan ng banko kung mahatak nila yun sasakyan na di nababayaran yun mortgage.
Very informative for newbies like me
Q
1yr pa lang ako sa work pero naapproved ng BPI ung car loan ko, BPI rin ung payroll account ko.😊
Ah BPI kasi payroll mo, ako back in 2017 na approved din loan ko less than a year pa lang ako, metrobank payroll ko pero Security Bank ang nagpautang sa akin
hi sis pano ba yun bale sila na babayad sa bilihan ng car so no interest na sa binilhan ... tas bpi na mag interest sayo?
thanks sa sagot.. iniisip ko kasi kung anong pinag kaiba sa direct sa bilihan nalang mag pa interest o mas makakamura pa sa bpi
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Very educational and good humor din
Marami na namang mga Pinoy ang makakautang ng kotse na wala namang garahe 😂
Tama
Replevin will be filed and you will be blacklisted forever if you run away with your car.
Politicians, afp, pnp, muslims are mostly banned from borrowing.
Okay yung 84 months na payment maliit ang monthly. Kesa mag GigiCars ka iyak later
Di ba sabi nila dati, partners sila with philkotse? Di ko na mahanap yung video nila
If hindi kayo ma approve sa bank loan, be patient. Ipon lang ng ipon. Wag kayo magmadali. Wag kayo magpapadala sa mga too good to be true na scam. Wag na magpaloko pls 🙏
How about ofw hnd nyo kasali😢 bayan
SA INHOUSE NAMAN PO MAKAKAKUHA KA NG MAS APPROVABLE AND LOW DP AND MONTHLY SA MGA BANK NA IPAPASOK NAMIN...usually minsan in bank financing mostly 30% ang approvals nila....heto po fyi po sa inhouse mostly 20% ang pinakamababa pero dipende sa profile ng applicant and source of income...x3 dapat sahod kapag employed at need nila co maker kapag business owner naman is need nila proof of incomes like soa business permit or dti update and income rate
Yung mga na-aapprove sa inhouse ang madalas nahahatak ang sasakyan. Wag kasi ipilit kundi pasok sa budget. Di biro to own a car.
Masyado mababa 30K monthly sahod para sa Car Loan
50 percent plus sa inhouse and 24 percent plus sa bank...