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How did you get your car, we got declined because they don't like homebased
Hello guys! I need some advice.
We already have a plan to get a car but it declines in Toyota because they don't like homebased.
How did you get your car, can you refer an agent?
Thanks!
9 Replies
Ours is BDO. they offered to us really way back 2012. now BDO and I are calling again if we want another loan because the car is already paid for a long time ago. 😂😂 you should really have savings so you will be considered for loan. not that your account is always minimum or empty.
I used to be a car agent, challenging talaga magpa approve pag home based kasi as per bank - not stable, kasi most clients are foreign based. But if your spouse or co-borrower (dapat immediate family member) may stable/regular job here, pwede nman as long as the income requirement meets the required score depende sa unit. Also, you need COE, ITR, bank statement/at least 3mos payslips as initial reqt. However, if agencies like Upwork, etc. pwede nman pero from selected banks only. Pakita mo lang bank statement mo na meron consistent flow of income monthly (at least 6mos).
Usually depends on the agent din talaga sis. My fiance is an agent and madami din naman sya napapa approve na homebased like us. And yes, coe with monthly rate, remittances, and valid IDs would usually suffice. And of course, good standing sa bank - no pending payments esp sa credit card. PSBank and EastWest mostly mabilis mag approve if dadaan ka ng dealership financing. Hope this helps and hoping that you get your dream car soon!
I got my Innova last year in Toyota Dasma po. PSBank car loan nag approve sakin.
COE lang pinaka proof of income ko na nasubmit ko non. Okay naman, smooth yung process wala po naging prob. May other bank pa na tumawag kaso una ksi nag approve si PSBank non kaya inasikaso ko na agad.
Baka depende po sa naka declare na monthly rate? Pero sabi ni client sakin non may mga email sya nareceive from different bank? Nag veverify din ata sila if legit yung source ng COE.
ETA Kasama pala sa reqs yung COE ni hubs ko na working pa sa Corp that time. Kaya din ata mabilis ako naapprove.
Apply ka directly sa bank kung saan pinapadala ung sahud mo. Ganun po samen kase nakikita nila na me remittance ka napasok. BDO bank ko sila mismo nag offer saken.
Approved ako sa PSbank thru an agent referred here previously sa OFF. Diko akalain kse nag try lang ako ng wala expectations kasi many times rejected before.
I suggest ma'am you look into other car dealer or preferably ibang brand ng sasakyan na lang. may mga dealers po na ayaw nila tumanggap ng mga freelancers or mga work from home, thinking na hindi naman na paano naman daw kung nawalan ng source of income yung freelancer, pano na daw ang monthly, sayang naman daw ang sasakyan...
Direct po kayo bank mag apply wag na kayo dumaan sa dealership. Homebased din kami. Bale pakita nyo lang certificate of employment nyo with monthly rate included. Then ask nyo bank apply kayo car loan. As long as may approval na bank rekta kuha na agad yan sa toyota or any dealers.
Been working as a VA for 3yrs nun nag apply Kami ng car loan sa Toyota last year. I'm the principal borrower and my husband is the co-maker. I just submitted PayPal trx past 3mos and COE plus valid IDs. We are approved sa PSBank and EastWest, we take EWB kasi mas maliit ang DP. The bank also called my boss in AU for background check. I think depende din sa agent yan. Toyota Calamba kami
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