PMT Forum
Do you want to make money today? :)

Advice Needed : Maglalabas ng bagong kotse through loan

agent_mango · 10 · 2998

agent_mango

  • Forum Tambay 150
  • ***
    • Posts: 154
    • Likes Received: +0/-0
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

  • VIP 4500
  • *****
    • Posts: 4,857
    • Likes Received: +12/-0
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

  • PMT Idol 1000
  • ****
    • Posts: 1,374
    • Likes Received: +15/-0
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

  • PMT Idol 1000
  • ****
    • Posts: 1,211
    • Likes Received: +0/-0

Jayumaster

  • Forum Champion 700
  • ****
    • Posts: 735
    • Likes Received: +4/-0

george88

  • PMT Idol 1000
  • ****
    • Posts: 1,211
    • Likes Received: +0/-0

ferrariEverest

  • VIP 5500
  • *****
    • Posts: 5,569
    • Likes Received: +4/-0
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

  • Forum Tambay 150
  • ***
    • Posts: 154
    • Likes Received: +0/-0
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

  • Junior Member
  • **
    • Posts: 32
    • Likes Received: +0/-0
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

  • Forum Tambay 150
  • ***
    • Posts: 154
    • Likes Received: +0/-0
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. :(


 


PMT Shoutbox

Refresh History
  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • Doni_megaworld: Hi Guys, who's online?
    Today at 03:08 PM
  • Doni_megaworld: good morning! who's online?
    Yesterday at 08:47 AM
  • Doni_megaworld: good morning guys!
    May 27, 2020, 09:47 AM
  • Doni_megaworld: work work
    May 26, 2020, 02:47 PM
  • Niel Jhacoubs: What's good in this afternoon?
    May 26, 2020, 02:01 PM
  • Doni_megaworld: agreed
    May 25, 2020, 03:30 PM
  • Niel Jhacoubs: @lyndrey depende siguro sa seller, so kung mag order kayo online much better na kilala niyo at trusted
    May 25, 2020, 02:29 PM
  • Doni_megaworld: kumusta? sino mga online?
    May 24, 2020, 03:24 PM
  • lyndrey: Do not buy PPE online. Either expensive overpriced or totally damaged or cannot be used
    May 24, 2020, 01:37 PM
  • lyndrey: Online Scammers/online shopping cheats are active with stay at home regimen.
    May 24, 2020, 01:34 PM
  • Niel Jhacoubs: @razee22 Parang di na po nacoconvert into money ang load po.
    May 12, 2020, 04:07 PM
  • razee22: any advised or recommendation?
    May 12, 2020, 11:16 AM
  • razee22: Paano po ba iconvert ang load into money like Paypal, Paymaya or Gcash?
    May 12, 2020, 11:15 AM
  • razee22: paano po ba iconvert ang load into money? Paypal or Gcash
    May 12, 2020, 11:14 AM
  • Niel Jhacoubs: Hellooooo, okay lang ba kayo dyannnn?
    May 11, 2020, 11:40 AM
  • theimprobableone: hi
    May 05, 2020, 11:37 AM
  • freelance_treasure_hunter: hello all...
    Apr 28, 2020, 04:26 PM
  • Niel Jhacoubs: Can someone save me?
    Mar 24, 2020, 01:39 PM
  • Niel Jhacoubs: I'm tired.
    Mar 24, 2020, 01:39 PM
  • Victorvargas: Hello sa lahat po new lang po dito. Hope na marami matutunan ako about business.
    Mar 21, 2020, 09:43 PM
  • Niel Jhacoubs: Yoh, its been a while.
    Mar 17, 2020, 10:33 AM
  • demi07: Hello everyone! New in pinoymoneytalk :)
    Mar 14, 2020, 01:24 PM
  • theappswitch: Hi!
    Feb 25, 2020, 03:14 PM
  • mike2020: hi po sa inyo lahat
    Feb 23, 2020, 11:52 PM
  • Jayjayqwe: hi po
    Feb 19, 2020, 11:27 PM
  • tirs d pip: hello
    Feb 18, 2020, 02:32 PM
  • Ace1105: Hello sa lahat...  :hello:
    Feb 07, 2020, 09:46 AM
  • FREYAHYARA: Anyone knows where Ig shops like styledom.ph, thriftme, instashoppeavenu and the likes get their items for selling. Would like to venture in the same business but would like to know where and who the suppliers are
    Jan 28, 2020, 09:38 PM
  • Niel Jhacoubs: To bpc85 kung nakalagay ang inyong names sa beneficiary list ng iyong ama kay may makukuha po kayo.
    Nov 28, 2019, 02:18 PM
  • Niel Jhacoubs: Hellooooo, its been a while. :)
    Nov 28, 2019, 02:16 PM
  • miakashidou31: hi , meron po ba ditong nagta transfer sa paypal?
    Nov 05, 2019, 01:46 PM
  • whennedy: good noon po
    Oct 18, 2019, 12:04 PM
  • edzlpdac: goood day po sa lahat!
    Oct 12, 2019, 03:37 PM
  • bpc85: ask lng sana ako kung may makukuha ba kami ng Mama ko at ako or mga kapatid ko sa benepisyo ng aming Ama bilang membro ng AFPSLAI. thank you po.
    Sep 27, 2019, 12:52 PM
  • bpc85: Hi guys, im new here,.
    Sep 27, 2019, 12:52 PM
  • Anaperdi: Hi just want to know if meron dito who is into boundary hulog ng motorcycle? For mga riders ng courier. Pwede ba magpashare how it works? Naisip ko lang baka pwede ko ibusiness, meron na pala mga posts online pero di pa clear ang system sa akin. thank  you sa makakapansin
    Sep 21, 2019, 11:32 AM
  • Anaperdi: Hi newbie here..
    Sep 21, 2019, 11:19 AM
  • jprios: May contact ba kayo kung sakali?
    Sep 18, 2019, 06:11 PM
  • jprios: Sino pwedeng mahiraman dito?
    Sep 18, 2019, 06:09 PM
  • kfg52: Present!
    Sep 15, 2019, 07:26 PM
  • juju31: san po ba may nag papahiram dito
    Sep 14, 2019, 07:18 PM
  • juju31: hello
    Sep 14, 2019, 07:18 PM
  • FutureGizmo: Thanks julz! Medyo ganun nga trabaho namin ngayon, to monitor spam posts kasi ang daming spam bots. But thanks for reporting. Auto-ban agad ang spammers sa amin haha
    Sep 07, 2019, 12:17 PM
  • julz: @FutureGizmo si @nikkikv18 just posted more than 10 posts about porn sites. hay, spam.
    Sep 03, 2019, 01:05 PM
  • Cid_brent: sino po dyan pwede magbigay send ng paypal funds and I will pay you using gcash?
    Aug 25, 2019, 08:58 PM
  • Meghan91811: Sino po may alam about Rice Farming...
    Aug 25, 2019, 07:44 AM
  • roselove: hello po sa inyo... newbie here
    Aug 06, 2019, 03:31 PM
  • Niel Jhacoubs: Sino palaging active dito?
    Jul 30, 2019, 04:15 PM
  • dagocjasonrey: Anong update dito?
    Jul 22, 2019, 08:49 PM