car loan inquiry for call center agent

calebjames13

Hi me and my wife applied for a mitsubishi mirage g4 glx mt, I just want to ask if we' re qualified for this we both work in bpo, almost 3 years nadin yung tenure namin and income namin combined is 40-45k( yan na *** take home namin) exclusive of incentives and bonuses. Sabi naman nung agent na kausap ko sa mitsubishi is sure approve naman daw yan and for ci na ko this coming monday and tuesday pero syempre gusto ko lang idouble check sa inyo guys if someone has the same experience applying for a loan and if we really have a chance of getting approve for a loan. We dont have any saving, credit cards or any investments with banks aside dun sa payroll namin sa bdo

Details nung deal sakin nung agent is 50k downpayment and 11,900 for 5 years

kelunji

Red-flag kasi ang BPO employees sa mga financing institutions dahil sa unpredictable employment at company status. Tapos wala ka pa savings, kaya niyo ba talaga? I'm not discouraging you, pero its very heartbreaking to see your car being towed and re-posessed. SAs will say anything and do anything to make a sale (andyan pa nga yung pinepeke yung ibang papeles at bogus personal references na sila rin naman ang sumasagot sa CI). Wala naman sa kanila yan if after a few months hatakin ang kotse, importante sa kanila nakuha na ang komisyon at quota for the month.

kimot

I agree with kelunji

sa globe nga lang pahirapan na para sa mga call center agents ang pag apply ng line what more pa kaya sa sasakyan. wala pa kayo savings.. dapat man lang meron kayong savings para sa mga emergencies, pano yun kung may nagkasaket? alin uunahin nyo? sasakyan or yung bill ng hospital?

kahit papano sana meron kayong emergency fund tapos bukod pa yung isa pang savings na just incase na mawalan kayo ng trabaho meron pa kayong mga pang gastos and pambayad ng monthly amortization ng at least 1 yr.

magkano ba yung price ng GLX mt? compute mo baka masyado rin malaki yung interest since 50k lang ang DP baka bumawi yan sa interest. at ang 5 yrs masyadong matagal yan IMO. gawin nyo sanang 3 yrs max

panis_na_puto

Kabobohan ang umutang para bumili ng sasakyan o anumang depreciating asset.

Mag-ipon na lang kayo at pag sapat na ang pera saka bumili. Ganyan gumastos ang nag-iisip....

calebjames13

Thanks everyone, CI done got approve by rcbc submitted the requirements and will get the car on may 8 as we requested nag deposit nalang kame ng 5k for reservation ng unit pero ibabawas naman daw yun sa down namin..

@kimot thanks sa advise mo about sa emergency fund, I'll defenitely do that.. Pero about dun sa globe, parang hnd naman kase I'm on postpaid naman as well as my wife 1 day processing lang nakuha na namin *** iphone and g3 namin.. Or baka depende lang sa company

H I M A Y A

go for it TS>
life is too short, do whatever makes your boat float

calebjames13

@H I M A Y A

Thanks sir!

kimot

@TS

magkano ba yung glx?

calebjames13

590k yung srp nya

kimot

try mo sir lakihan yung DP mo or try mo magloan sa bank, ang laki kasi ng interest, 30% ng price.

for sure kung maghahanap ka ng ibang banks mas mababa yung interest.

H I M A Y A

kimot wrote: »

try mo sir lakihan yung DP mo or try mo magloan sa bank, ang laki kasi ng interest, 30% ng price.

for sure kung maghahanap ka ng ibang banks mas mababa yung interest.

pagmalaki ang DP, iba na din ang transaction.
like di na daw pasok sa promo, so yung 3yrs, LTO regis, Chattel mortgage fee, Compre insurance ay babayaran mo pa. unlike sa promo nila na all in nayan,.

naiintindihan ko si TS, kasi pareho kami ng situation.
average people cannot be choosy eventhough we like to be wiser.