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YEAR MODELS 1998 UP TO PRESENT ACCEPTED BY CAR LOAN PHILIPPINES | AUTO LOAN PHILIPPINES
Fast Car Loan Processing and Cheque Release, Metro Manila and Near by Provinces can apply Carlateral Loans and Car Financing are available.
Apply Now: http://carloanpilipinas.com/application
Interested in Car Loan Philippines offer? Check Requirements Now here at: http://www.carloanpilipinas.com/requirements
Determining how much you can afford to pay is the most important step when considering a car purchase and applying for a car loan. In general, you should not spend more than 20 percent of your take-home pay (the amount on your paycheck, not your original salary) on all of your household's vehicles -- that means your car, your spouse's car and that old convertible tucked under the tarp in the garage. The exception to this standard might be a graduate just coming out of college who is living rent-free with family or friends but does have a steady, if entry-level, salary.
Now before you start having visions of a fully loaded luxury SUV, keep in mind that a lot factors in to the 20 percent rule beyond the purchase price of your car. You need to consider how much money you can put down, the loan's interest rate and other factors. All of this adds up to the true cost of ownership, which includes:
Depreciation: Cars are a depreciating asset; they lose value as they age.
Interest rate: This is the annual interest fee applied to your loan.
Insurance premiums: Find out how much your insurance will cost. Different types of cars may have higher insurance premiums than others do, especially if repair costs tend to be higher.
Fuel: Consider which grade of fuel your vehicle requires. How far will you be driving each week? How much gas will you need?
Taxes and fees: You'll be paying sales tax and fees to register your car with the state as well as annual property taxes.
Maintenance: Maintenance on vehicles varies, and there is not a tried-and-true way to gauge these costs -- but keep in mind things like oil changes and new tires.
Repairs: Repairs might not be an issue for new cars, but over time and with pre-owned cars, repairs will have to be factored in to your budget.
Federal tax credits: Are there any government incentives available for purchasing a certain type of car?
All of these calculations and factors may seem daunting, and no doubt there is math involved. However, there are lots of tools online, including payment calculators.
If you've used one of those calculators and you're ready to go shopping, don't go just yet; you can still do a bit more homework to streamline the process.
Apply for a Car Loan now here at AMA Bank Car Loan | Car Loan Philippines | Auto Loan Philippines.
We are committed in guiding you from processing to fulfillment of your car loan in the Philippines. To start off, here are some insights to help you decide whether to go for a short-term or long-term auto loan.
The following are listed types and descriptions of car loan terms normally available when purchasing a new or used car in the Philiippines:
SHORT TERM AUTO LOANS are car loans in the Philippines made for the purchase of a new or used car and have payment terms of 12 months (1 year) up to 36 months (3 years). These types of loans are designed to help a consumer quickly pay off a loan obligation for a new or used car purchase. However, the payment amounts of shorter term loans can be somewhat high or burdensome for some. This generally offer lower interest rates than do longer term loans, thus, people with bad credit may be required to use shorter term loans in order to approved by certain auto loan lenders. Interest rates can be somewhat higher than normal as people with bad credit can sometimes be expected to”buy back their auto credit”. Short term loans enable a person with bad or poor credit, to re-establish his or her credit history.
Visit Us at: http://www.carloanpilipinas.com
Are you dreaming of buying a new car or even a slightly used one? Thinking of purchasing a car is a dilemma for most Filipinos as chances are, they don't have enough money saved to pay in cash.
There's no other way to achieve your goal but to get a car loan. Many banks and financial institutions offer this kind of loan which is similar to a personal loan but the only difference is that it can only be used for the purchase of a car. Car loans are sometimes backed by a security or collateral but most are not depending on the kind of car you are buying.
Interest rates for a car loan varies from institution to institution but here at Car Loan Philippines, we only charge a very attractive rate as low as .5% per month. Aside from our lowest rate, our car loan services are different from others because we not only strive for flexibility, convenience, and customer satisfaction, but we are achieving these goals on a daily basis. Regardless of what your current credit situation is, or has been, we are very confident that there is a car loan which can used automobile.
Are you dreaming of buying a new car or even a
slightly used one? Thinking of purchasing a car is a dilemma for
most Filipinos as chances are, they don't have enough money saved to
pay in cash.There's no other way to achieve your goal but to get a car loan.
Many banks and financial institutions offer this kind of loan which
is similar to a personal loan but the only difference is that it can
only be used for the purchase of a car. Car loans are sometimes
backed by a security or collateral but most are not depending on the
kind of car you are buying.Interest rates for a car loan varies from institution to institution
but here at AMA Bank Car Loan Philippines
(http://www.carloanpilipinas.com), we only charge a very attractive
rate as low as .5% per month. Aside from our lowest rate, our car
loan services are different from others because we not only strive
for flexibility, convenience, and customer satisfaction, but we are
achieving these goals on a daily basis. Regardless of what your
current credit situation is, or has been, we are very confident that
there is a car loan which caused automobile.
Read More At : www.carloanpilipinas.com
Car Loans - The Preferred Choice To Your New Car. Car loans nationwide for all credit circumstances and you can apply for new or used car loans online!Apply for a Car Loan now here at AMA Bank Car Loan Philippines
Determining how much you can afford to pay is the most important step when considering a car purchase and applying for a car loan. In general, you should not spend more than 20 percent of your take-home pay (the amount on your paycheck, not your original salary) on all of your household's vehicles -- that means your car, your spouse's car and that old convertible tucked under the tarp in the garage. The exception to this standard might be a graduate just coming out of college who is living rent-free with family or friends but does have a steady, if entry-level, salary [source: Booth Hubbard].
Now before you start having visions of a fully loaded luxury SUV, keep in mind that a lot factors in to the 20 percent rule beyond the purchase price of your car. You need to consider how much money you can put down, the loan's interest rate and other factors. All of this adds up to the true cost of ownership, which includes:
Depreciation: Cars are a depreciating asset; they lose value as they age.
Interest rate: This is the annual interest fee applied to your loan.
Insurance premiums: Find out how much your insurance will cost. Different types of cars may have higher insurance premiums than others do, especially if repair costs tend to be higher.
Fuel: Consider which grade of fuel your vehicle requires. How far will you be driving each week? How much gas will you need?
Taxes and fees: You'll be paying sales tax and fees to register your car with the state as well as annual property taxes.
Maintenance: Maintenance on vehicles varies, and there is not a tried-and-true way to gauge these costs -- but keep in mind things like oil changes and new tires.
Determining how much you can afford to pay is the most important step when considering a car purchase and applying for a car loan. In general, you should not spend more than 20 percent of your take-home pay (the amount on your paycheck, not your original salary) on all of your household's vehicles -- that means your car, your spouse's car and that old convertible tucked under the tarp in the garage. The exception to this standard might be a graduate just coming out of college who is living rent-free with family or friends but does have a steady, if entry-level, salary [source: Booth Hubbard].
Now before you start having visions of a fully loaded luxury SUV, keep in mind that a lot factors in to the 20 percent rule beyond the purchase price of your car. You need to consider how much money you can put down, the loan's interest rate and other factors. All of this adds up to the true cost of ownership, which includes:
Depreciation: Cars are a depreciating asset; they lose value as they age.
Interest rate: This is the annual interest fee applied to your loan.
Insurance premiums: Find out how much your insurance will cost. Different types of cars may have higher insurance premiums than others do, especially if repair costs tend to be higher.
Fuel: Consider which grade of fuel your vehicle requires. How far will you be driving each week? How much gas will you need?
Taxes and fees: You'll be paying sales tax and fees to register your car with the state as well as annual property taxes.
Maintenance: Maintenance on vehicles varies, and there is not a tried-and-true way to gauge these costs -- but keep in mind things like oil changes and new tires.
Repairs: Repairs might not be an issue for new cars, but over time and with pre-owned cars, repairs will have to be factored in to your budget.
Federal tax credits: Are there any government incentives available for purchasing a certain type of car?
All of these calculations and factors may seem daunting, and no doubt there is math involved. However, there are lots of tools online, including payment calculators.
If you've used one of those calculators and you're ready to go shopping, don't go just yet; you can still do a bit more homework to streamline the process.
