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Advice Needed : Maglalabas ng bagong kotse through loan

agent_mango · 10 · 2747

agent_mango

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Case: Yung tita ko gusto maglabas ng bagong kotse, pero gusto niya ipangalan sa akin. Ang reason niya is hindi siya pwedeng kumuha ng kotse dito sa Pinas kasi yung mga papers niya Japanese ang last name kasi a decade na siya sa Japan nakatira. Yung asawa niya hindi rin pwede maglabas ng kotse kasi may isa na silang kotse na inilabas na nakapangalan sa kanya at nabangga, nasa talyer ngayon. Gusto na nilang palitan kasi malas daw yung kotse kaso kapag daw binalik, di na daw pwedeng kumuha ulit. Sagot daw nila lahat gastos, downpayment at amortization. Ang importante makapaglabas ng new car.

What do you think? papayag ba ako? What's the risk kung assuming hindi nila natupad yung monthly amortization tapos sakin nakapangalan yung kotse. Kinakabahan po ako.


bauer

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What do you think? papayag ba ako? What's the risk kung assuming hindi nila natupad yung monthly amortization tapos sakin nakapangalan yung kotse. Kinakabahan po ako.

Kung ako ang nasa katayuan mo at balak ko rin magkaroon ng sariling asset (kotse at bahay) sa hinaharap, hindi ako papayag na gamitin pangalan ko sa loan.

Kapag hindi sila nakabayad at kailangan ilitin ang sasakyan, ikaw ang hahabulin ng bangko. masisira ang iyong "credit worthiness."

Sabihan mo na lang tita mo na kukuha ka ng sariling kotse kaya hindi mo pwede ipahiram ang iyong pangalan bilang borrower.


TulogSaPancitan

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Marami ng nasirang relasyong kamag anakan dahil sa mga ganyang sitwasyon. Panu kung gamitin sa krimen ang kotse, eh di yari ka. Kung tita ko yan sabihin ko, "up yours" (JK). Wala ba xang anak. Dun nlang xa makiusap. Busy ka kamo. Mahal man-hours. :rakenrol:


george88

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guarantor ka?goodluck  :hihi:


Jayumaster

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May pera naman sila, bumili nalang sila by cash.


george88

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Hehe kaya nga tagal na pala sa japan yaman na yan


ferrariEverest

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Hehe kaya nga tagal na pala sa japan yaman na yan
Hindi lahat ng matagal sa ibang bansa ay mayaman. Mas mayaman ka pa jan bro! Pamasko ko ha! :D


agent_mango

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Bigla akong kinabahan sa mga reply niyo. Yung tita ko kasi siya nagpa aral sakin ng college. Nahihiya akong tumanggi, pero di pa rin ako nagrereply til now. Hindi ako makatulog dito. Naalangan ako kasi may history sila ng palit ng palit ng sasakyan. Ang dahilan eh yung kapatid niya na suppose to be naghuhulog nung pinapadala niya ay kinokorap. Kaya ayun, hila dito hila doon ang sasakyan. Nitong huling sasakyan nila na di pa full paid ay ang nakasira yung kapatid niya. Okay lang sana if full cash eh. Kaso what if 5 years babayaran. What if ako naman ang bibili ng kotse for the next 2 years. Or bahay at magloloan ako. Anong magandang rason dito? Tita sorry di ako pasado sa requirements? huhu help!


himechan14

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It's a definite no-no. Yung identity mo ang pinaka important mong asset. Hindi na bale na sumama loob nila sa 'yo kesa potentially macompromise ang pangalan and credit worthiness mo. Wala ba silang anak na pwede kumuha ng car on their behalf.

Only say yes only if willing and kaya mo  i-keep yung car in case magforfeit sila.At least nakalibre ka ng ilang buwan/ taong monthly installment. Wala naman sila magagawa since technically speaking, sa 'yo nakapangalan yung car. Just make sure nga lang na kaya mo makuha yung car mismo sa kanila. Kundi, you're on the losing side talaga

Ayun lang po ang akin.  :thankyou:


agent_mango

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Meron silang anak but he's way too young pa. I have savings which I planned to use next year for real estate. But if ever, if ever lang na macompromised to. Kukunin ko talaga yung car. They want a Ford Everest, to be paid 5 years. I already have the requirements. Still waiting for the COE. Kinukutsaba ko na yung HR para lang di maapprove yung application :( Sana di maqualify. I also didn't submit any bank statements. Sabi ko di wala akong bank account. Mahigit 1 year na akong hindi naghuhulog. :(


 


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