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Author: admin | Category: Lease Car Calculator | Date: 13.11.2014

Thanks to rising incomes, the growing array of vehicles that cater to various budgets starting from as low as P500,000, and attractive financing packages from the banks and the automotive companies themselves, more Filipinos are able to afford sedans, sports utility vehicles, vans or even sports cars to suit their requirements. Local banks have been cashing in on this growing demand for a car loan, as shown in their aggressive, competitive marketing activities that offer various freebies and promos to entice first-time car buyers, or those wanting to get a second family vehicle. The ease with which Filipinos are securing auto loans was deemed among the biggest factors sustaining the double-digit growth of vehicle sales in the country. To help identify which financing package best suits your needs and ensures that you stay within your budget, you can conduct a “self-assessment” based on the bank’s requirements. By doing so, you can see for yourself whether you are eligible for an auto loan and which vehicles will fall within your income bracket. First, decide whether a loan will be for a brand-new vehicle or for a second-hand unit as the terms will differ.
Some banks already allow those with a monthly income of about P30,000 to P40,000 to take out a loan for a P500,000 sedan, provided that you make at least a 20 percent downpayment. For BPI and PSBank, it can be as low as P30,000 but for the likes of BDO, it has to be at least P50,000.
Most banks require practically the same documents: a signed car loan application form, at least two valid government issued IDs, the latest income tax return (ITR) or BIR Form 2316, certificate of employment with salary, latest audited financial statements for the self-employed, and tax identification number. The amount that can be borrowed will depend on your capacity for repayment, and can be used mostly for purchase of passenger cars, passenger vans, trucks, sports utility vehicles, and Asian utility vehicles.
The minimum amount varies across banks, but the maximum amount is practically uniform at 80 percent of the net selling price of a brand new vehicle.
For pre-owned vehicles, the maximum amount that can be borrowed is much lower at around 50 percent to 70 percent of the appraised value. Most banks provide a repayment period of between 12 months and  60 months (one to six years), but there are a few like BDO that allow up to 72 months. Most banks do not publish the interest rates for auto loans but instead, provide the so-called “loan calculator” wherein you can already compute your monthly amortization based on preferred terms.
Some banks give an option for repayment schemes whether one month advance (OMA), which means the first monthly amortization is due upon booking of the loan and every month thereafter; or in arrears, which means that first monthly amortization is due one month after booking of the loan and every month thereafter.
Other banks like PSBank, meanwhile, have published on their website the standard rates for auto loans. Normally, interest rates are lower for loans with a shorter repayment period and a higher downpayment.
For some vehicle dealers, insurance policies, chattel mortgage fees and registration may be bundled in ongoing promotions. BDO, for instance, offers all- in financing that includes chattel mortgage fees, first year car insurance program and three year registration with the Land Transportation Office (LTO). Make sure to check ongoing promos from banks and automotive firms to get the best value out of your money.
At times, car dealers throw in a few “freebies” in the package which you might want to take note of as well. As for the loan repayments, the most common modes would be through an auto debit arrangement with your bank or through the issuance of post debit checks.


Thus, given the sea of loan options available for the taking, do your research first and compare rates and terms across preferred banks before making that big purchase.
In the first half of 2016, Perodua achieved sales of 97,400 vehicles with the Axia hatchback making up 52% of sales, followed by Myvi (29%) and Alza (19%); June was the best performing month with 20,000 car registered. Perodua needs to sell a further 118,600 vehicles in the second half to achieve its sales target. Since it started accepting bookings for the Bezza on 16 July (the car was officially launched on 21 July), the company has received an average of 1,000 bookings a day. According to Datuk Aminar, the company has shored up Bezza inventory to cater to the initial demand and shorten delivery time, as part of its effort to improve customer satisfaction.
On the after-sales side, Perodua managed to increase the throughput at its service centers by 5% to 1,000,000 vehicles year-on-year, from 965,000. Drive Wheaton has already begun to receive some of the 2016 models, the most notable of which has to be the 2016 Honda HRV which is all-new for the 2016 model year after having disappeared from the lineup for several years. Let’s start by looking at the 2016 Buick Enclave interior, where a “low and away” instrument panel adds to the feeling of openness in the cabin but also allows for easy control. As for performance, a 3.6L V6 engine with 288 horsepower delivers a powerful, enjoyable driving experience. I wish to receive ongoing communication for exclusive discounts, promotional offers & contest details. Drive Wheaton is a car dealer group made up of outstanding Edmonton Don Wheaton Chevrolet GMC Buick Cadillac, Wheaton Honda in Edmonton and Toyota on the Trail in Edmonton.
As you map out your family's mid-summer vacation during these "dog days of summer," don't let the grueling heat zap your motivation to stay on top of your personal finances. It's therefore more important than ever that you be flexible with your travel dates, says Patrick Surry, chief data scientist at Hopper, the airfare prediction app. During this time, domestic tickets to top destinations, which include Chicago, Denver, Las Vegas, Orlando, Los Angeles, New York City, Miami, San Francisco and Honolulu, can be about $40 less expensive, per person, than in July.
First, the good news: According to Orbitz, hotel prices are also at their lowest the last week of August, with rooms averaging over $15 less per night than in July. Now, the bad news: Just like the airlines, there's a lot of nickel and diming going on, so be sure to prioritize your amenities, says Elliott. Consider your must-haves and then the look for hotels that include these "perks" as part of the nightly rate. Also, don't book your room until you know the actual costs, and read reviews of the property online, says Elliott. Finally, always double check your bill to make sure there aren't charges for things you didn't use -- like newspapers you didn't order.
This is an industry that's notorious for advertising low rates and failing to mention various mandatory extras, from airport concession fees to local sales tax and numerous other surcharges. Then there are the optional extras, such as insurance, navigation, child seat and additional drivers. Nearly 40% of the nation's 135,000 gas stations are now selling gasoline for under $2 a gallon.


Indeed: Analysis from GasBuddy shows that gas price variation is rampant, and that the median spread (the difference between the lowest priced station and the highest within the same metro area) is nearly 30 cents.
The cost of the monthly amortization is a second consideration,” explained Agudo, who also heads the Association of Vehicle Importers and Distributors (Avid). We reserve the right to exclude comments which are inconsistent with our editorial standards.
Vehicle production however, saw a year-on-year decline of 14% to 100,300 units from 116,400 units owing to the soft demand and higher inventory.
The market share improvement comes at the expense of other national and non-national marques. Going forward, key contributors to its sales numbers will be the Bezza sedan and Axia (which has been its best-seller for some time).
This has led to an increase in intake revenue by 13% to RM 330 million as well as parts and accessories sales by 5% to RM 126 million for the same period.
Masanori Takahashi as the new President of Perodua Auto Corporation Sdn Bhd who took up the post on 20 June.
By checking the box, I agree to receive commercial electronic messages and educational content via email from the dealer group.You may withdraw your consent at any time. A former analyst with MSNBC who appeared regularly on the "Today Show," Gibbons was previously a financial contributor with CBS News. We ask that you stay on topic, respect other people's opinions, and avoid profanity, offensive statements, and illegal content.
Please refer to Bankrate's privacy policy for more information regarding Bankrate's privacy practices. Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on certain links posted on this website. Total market share for national marques in 1H16 is approximately 49% (a y-o-y improvement from 47%). Perodua is continuing its efforts to keep more Perodua owners within the company’s ecosystem by continuously improving their after-sales services.
Takahashi-san has extensive experience with overseas operations, having been based in the USA, South Africa and India when he was with Toyota Motor Corporation. Please keep in mind that we reserve the right to (but are not obligated to) edit or delete your comments.
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Power and Associates gave the 2009 RAV4 4 out of 5 Power Circles for Overall Initial Quality Mechanical.



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