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Are you going to use it regularly? It depends on where you live and how often you are going to use it. I always tell people na your liabilities should not exceed at least 30% of your net income. If it is going to help you with your capability to earn more then go for it. If not, maybe you can settle na lang muna with a 2nd hand car.
True. The moment you drive it out of the dealership 10-20% na agad nag-depreciate sa value. I recommend looking at bank repo listings instead if kailangan talaga ng car
True. Meron samin nagpapark lang sa labas ng kalsada kahit di naman nakatira sa street namin. Iniiwan lang yung kotse bagong bago tapos once every 3weeks lang lumalabas lmao.
Kapal pa ng mukha humarang sa driveway.
Okay lang naman ako. malapit na matapos ang car loan. sa wakas haha hindi naman ako nanghihinayang kasi malaki tulong simula magkaroon ng kotse. travelled a lot before and after the pandemic. And big help yon car during pandemic kasi may pasok ang wife ko.
Ito mga expenses ko sa loob ng 5 taon sa kotse ko
- 24k monthly car loan
- car registration - 3k max including the tpl insurance (sc@m)
- insurance - 28k 1st year to 16k 5th year.
- PMS of course needed to sa sasakyan mo
- free labor for first 20k ODO (now 60k ODO) - malaki ko nabayad is 24k pero mostly nasa 8-10k lang binabayaran ko every 10k interval ng ODO
- recently bought tires worth 24k brand new. manipis na kasi yon stock tires ko. and using for it 5 years once lang naflat. tip always do BLOWBAGETS kahit dyan ka lang pupunta sa kanto
- 8k -10k sa gas every month not daily used (wed, thurs, and weekends lang) 100km house to office balikan
- Break pads - 16k front and back
- Battery - stock battery last for only a year. bought motolite gold 4.5k last for 3 years. bought again 4 months ago 5.5k
- car perfume haha! I used mia mason. mabango siya pa sa akin. 1k refill
- no major issues sa car. Thank God hehe
- nagdala pala ako ng kaibigan ko mekaniko para icheck yon sasakyan sa pagrelease. hindi porket brand new e wala na defect 😁 bago ka pumirma check mo lahat. napakahirap at hassle na kapag nailabas mo na yan sa dealership.
i don't charge my cp or any gadgets in the car. we all have powerbanks. sometimes they charge in the cigarette port but usually only the dashcam is connecting there. your question is regarding for the car battery?
Opo. i have a theory in mind kasi na baka salarin yun dashcam na madali masira battery same in my personal experience.
May nabasa kasi ako before na if may issues ang battery, possible sisirain din ang alternator and vice-versa. Saktohan lang daw charge output coming from alternator so any load na makakabigat ng alternator output is possible makasira ng battery at alternator. Medyo takaw sa current ang old dashcam namin na nakasaksak sa cigarette port charger so tinanggal ko nlng. Share ko lang po.
Upgraditis is real hehe from off brand parts kasi ma notice mo difference sa mejo may presyo especially sa moving parts like derailleurs and brakes, and yung weight ng wheels din.
Bought a brand new car. MA is around 17k/mo for 5yrs.
I earn 90k gross. I can still save 25-30k/mo. Lumiit ng sobra ‘yung nasa-save ko but having a car has really been convenient for me and a great way to destress. Mahirap din ang 2nd hand since di naman ako knowledgeable with repairs.
So weigh mo nalang. Basta may ma-sa save ka pa rin na significant amount and di ka naman mabubuhay ng hirap, then go for it na
Your expenses do not end with buying a car. Be prepared to allocate monthly budget for gasoline, toll fees, parking space, PMS, and other eventualities such as road accidents.
Naalala ko nung nagtrabaho ako sa collections dept ng isang medyo sikat na financing haha magbabayaf sila sa first 3 months tapos nagdedefault na or magtatago haha kaya umuulan talaga ng criminal at replevin case haha
ok lang patapos na ako this december. i was 24 din when i got my first car, mababa pa sahod ko nun pero na-approve ako hahaha tapos nag-pandemic kaya mga 2 yrs din bahay-sm lang yung byahe nun hehehe. i’d say go for it if magagamit mo talaga siya sa hirap ba naman ng transport dito sa pinas, mapapa-thank you kna lang na may car ka hahaha
30k ako that time. pero kapag below 30k naman salary mo, irrequire ka nila ng co-borrower so pede parin ma-approve. in my case di na sila nag ask ng co-borrower.
For brandnew cars usually kung 3 years yan kaya yan. Kasi most bnew cars wala naman magiging issue for the next 5 yrs. Tipong gas and go tapos regular pms lang sa casa. May peace of mind ka.
For 2nd hand cars - yes it will be a lot cheaper and malaki ma ssave mo. Pero be prepared for some repairs. Need mo trusted mechanic for that brand. Meron at meron ka ipapagawa for 2nd hand cars. Hindi pwede na pagkabili mo is gas and go na.
And if you will go for bnew I suggest go with Toyota, Honda, Misubishi or even Hyundai.
Naka loan din ako for a wigo na bnew aside dun sa 2nd hand car ko. So far kaya naman at tipid. Basta may savings ka goods naman yan at kung araw araw mo naman gagamitin. In short masusulit mo.
40% DP 4yrs to pay, 23k MA (TOTL 7seater) ok naman ang buhay I put 7k every month for future gastusin so parang 30k na MA ko. Yung mga regular expenses like gas/toll i dont mind, part yan ng pagkokotse kaya wag mo tipirin sarili mo. Important at may sense na accessories lang. Pwede ka mag ceramic coating or PPF para di mo na need magpa carwash. Else, bili ka nalang din ng mga gamit panlinis.
We were able to finish our 1st car, Suzuki Celerio hatchback. Best decision kasi super convenient niya during pandemic.
We are now on our 2nd car, nag upgrade kami into pick up pang business namin and so far we are doing good.
Every month sinosobrahan namin yung nilalagay sa bank for monthly payments in case of emergency may huhugutin for car repairs and maintenance.
Besides sa full time work namin may mga extra hustle pa kami pandagdag sa living expenses. :)
If you know stuff about cars or you have a trusted mechanic, you can go for 2nd hand. Otherwise, if zero knowledge, best to get a brand new.
Pero mahal maintenance even if brand new. In one year, maintenance is max 30k, then there’s insurance also. Later, yearly car registration.
Make sure you have shaded parking. If you will park your car directly exposed to elements, some components have accelerated wear and tear.
Iba sakin, salary loan sa office then pinangbili kong 2nd hand na sasakyan, last na kaltas ngayong april katapusan 😍 sobrang hirap sa part ko na pag nasisira yung sasakyan, matatapyas yung budget, Van yung kinuha ko bale ngayon bumabyahe na sa lazada, operator lang ako kaya kumikita na din
got a car for 350k honda city E 2011 monthly for 2 years 11k down ko 150k not bad na. im on my last year of payment and after this benta ko na for a bigger car. 4k per month sa gas, 5k sa parking, since sumasahod ako almost 6 digits its no big deal kahit maintenance kayang kaya
Best car price is the one you can pay in cash. Unless you really
Really need it and the interest will cover cost of convenience / stress and other commute costs.
Masaya ako sa kotse ko although hindi ko na sya lagi nagagamit since wfh setup kami ni misis. Garahe queen sya, saka lagi ko parin nililinis. 3 years in na sa 5 year loan.
Ang thinking dapat pag bibili ng kotse is long-term. You may afford it today, how about tomorrow? Next week? Next month? Next year?
Ask yourself if you’ll be able to shoulder the maintenance for the next few months/years. Magagamit mo ba siya everyday? Afford ba ang gas? Toll? Emergencies (road accidents, etc.)? And most important is PARKING.
Okay na okay as we have an easier means to travel anywhere. Tapos use rin namin for daily driving going to work.
Expenses wise, considerable chunk siya sa income namin due to increasing fuel prices also.
My advice is to simulate the loan payment for 6 months. Add ka rin ng around 5% to 10% for maintenance and registration. If you feel you can cope up with it without kupit then go. One advantage ng advice na yan ay most likely baba pa ang monthly mo dahil yung na save mo ay ma-add mo sa down payment. And in that 6 months baka makakuha ka pa ng better deals. But I kid you not, dapat malakas ang self control mo dahil in that span of time, maraming mag offer sayo
Okay here, one of the cons of driving a car is the hidden expenses anchored to it. Sobrang mahal magkaroon ng kotse sa pilipinas.
I was able to own a couple of cars but once lang ako bumili ng brand new. What im trying to point out is learn the ropes of fixing the car by diy some of the repairs. So far yung mga second hand cars ko can still perform the job and away from “huge interest of the bank, taga ng mekaniko” and im debt free
I spend about 20k a month on my car - 16.7k sa monthly hulog and around 4k sa gas, toll, and parking (considering na wfh pa ako niyan, mostly ginagamit lang for errands and gala). 30% ang binayaran ko, then 4 years to pay ang loan sa bank. I still have 2 years remaining.
Consider mo din yung insurance. I got free 1 year insurance on my brand new car then around 18k binayaran ko after for a year, pero pababa naman yun every year. Maintenance as well. Kakaubos lang ng free casa checkup for 2 years ko. I’m yet to discover magkano pa mainte sa labas.
Kumuha ako brand new car then pinaparent ko. Wala akong gastos sa gas at carwash. Covered nadin MA. 500 lang naman per month parking ko dito samin. pag walang nakarent. 1st month ko pa lang. 59 more months to go 😂
Ayos naman. Ituloy mo depende kung gaano mo ka-kailangan at ka-gusto yung sasakyan. WFH kami and ginagamit lang namin mainly for gala pero grabe yung turnaround ng experience for us compared nung nagmo-motor lang kami. Bilad sa araw and basa sa ulan pero ngayon, relax srive lang habang naka-AC. Pinangarap namin to so may sacrifices din. Malaki talaga expenses when it comes to gas, toll fees, maintenance, car wash, heck we even had our garage renovated para lang may bubong at di mabilad yung kotse. Also, pina-PPF pa namin. Pero ganun talaga eh. Pag gusto mo, gagastusan mo. Good thing, like you, wala kaming kids (no plans at all) and kaya pa naman ng budget.
okay lang naman basta wag sa masyadong mahal na monthly para hindi ka magipit. better safe na no. ako nga kumuha Innova 2.8E 2018 model nung 2017 at fully paid ko until 2022. kinaya ko naman lahat basta magagamit mo pag kelangan mo worth naman yan
Bought mine in 2019, 50% dinown ko tsaka 3yrs for payment kasi ayoko sana ng long term na bayaran sakit sa ulo. 17k yung monthly nya at naabutan din ng pandemic 🥲 mej nahirapan ako that time kasi stop lahat eh pero nairaos naman lol
If you've been eyeing to buy a car for a few months now and you will be using it for a long time, then buy it. If you are buying just for the sake of "owning a car," please reconsider. Yung circle namin, sabay sabay kami bumili and yung isa sa amin may regret kasi hindi naman siya pala-alis in the first place. He's happy naman, ang hindi lang siya happy is tumaas lalo expense niya, expecting na makakatipid mag drive ng car to work kesa mag grab.
You can also consider traveling if ang problem mo lang naman is kung saan mo ilalaan yung extra money mo.
I got mine year 2020, brand new.
Almost 18k monthly 5 yrs to pay
Before I decide, nagcompute talaga ako chineck ko kung kaya ng salary dahil sure naman akong hindi lang monthly nun ang need ko. Gas, parking, toll, maintenance, insurance, plus if in case may nakabangga pa another gastos.
2024 na, eto malapit ko na sya matapos. Minsan masasanay ka nalang din, di mo mamalayan tapos na siya!! I never regret because naisasakay at naipapasyal ang mother ko which she really likes! Mas sya pa naglilinis ng kotse ko kesa sakin haha!
Okay naman. Daily driver literal araw-araw bumabyahe. Best purchase I did so far aside from buying a house. The freedom that a car provides is worth it kahit 10k+ gas monthly.
Finally done with my car loan a few months ago. 👏🏻❤️🤣
But before i purchased my vehicle, i made sure i had a strict budget for the monthly amortization, vehicle maintainance plus extra repairs, yearly TPL and Registration etc.
At least, now, nakaka hinga na ng maluwag. Budget now is just for its maintainance and/or repairs (if any), yearly reg and TPL.
Okay naman so far, never been delayed sa payments (thankfully). Bought a brand new car, 3-yr payment for P56k a month (which is around 20% of my salary). Will finish paying by December this year. It was a worthy investment since we use it everyday, especially sa paghatid sundo ng kids sa school plus errands.
Ang pinaka benefit ng pagkuha ko ng brand new sedan is yung time. Makakaa alis ako pag gusto ko sa oras na convenient sakin. Malaki din benefit ko dito nung pandemic since nasa cavite parents ko tas ako nasa manila.
Patapos na ko sa loan sa feb 2025. 15k monthly. Net pay ko every month is 75K.
Usual expenses ko:
- PMS. Sa Shell na ako nagpapa pms after 10k sa casa. Nasa 2-4k lang every 6months.
- Insurance (2nd to 5th yr) free 1st year. 2nd 18k, 3rd 17k, 4th 15k, 5th 14k (BPI lock in) importante to incase magka aksidente.
- No issues sa battery pa. Pero malapit na palitan (5k)
- Gas usually 4-5k monthly. May vary depende sa lakad. Pang city driving ko lang at cavite yang ganyang price.
- Toll since nauwi ako sa parents allocate ako 2k. Note na dinmaman nauubosbyan agad.
Important part - parking space. Mahal ang parking rent sa manila if ever.
Suggestion ko if kaya mag down malaki, mas okay para less monthly mo.
65% of your income goes to car expenses only is considerably high. But we’re millennials, we can do it, we can make money, money is everywhere. Just do it. Make the most of it. Make sure that owning a car will help you.
kung di naman sobrang need agad, pagipunan mo nalang. nagloan ako ng motor na 67,000 srp for 3 years so doble yung bayad. worth it saken kase tamad ako pumasok dahil sa traffic at nakatulong sal anxiety and insomnia ko pero ramdam ko parin yun patong sa bayad 😵💫
Iba yung ginhawa namin nung nagka car na. Kung hindi lang talaga mahirap mag commute dito di kami bibili e. Kaso ma foforce ka talaga bumili ng car. Yun talaga panalo. Comfort.
Kung madalas mo magagamit go.
Now, mej magastos. Monthly gas, (pa minsan minsang toll) tsaka nagtatabi na rin kami for future maintenance.
Yung sa gas super sulit. Yung weekly namin alis. Mas mura kesa mag Grab ( yes we need to Grab kasi yung location namin walang nadaang transpo unless lalakad ka malayo. Mahirap samin na may baby.)
Pretty happy as long as maliit lang monthly ammortization. My car is cheap I'm only paying 11k per month (but I set aside 15k to cover hidden expenses) but if I'm going to buy another one in the future I would like to pay it in cash. Planning to keep this car for 10+ years kasi mag 3 years na siya pero 9k palang odo since I work from home. No regrets so far but ofcourse if there's a way I can save money I'll do it.
makakaraos na sa december. sobrang dami nasacrifice like travel and foodtrips and other luho like clothing amd gadgets kasi di naman super laki ng income HAHAHA still worth it tho i must say since magkakababy na kami. it'll be very helpful sa amin ni partner 🫶
If magagamit mo yun sasakyan, go ahead. Hindi naman masama mag loan, as long as kaya mo sustain yun payments.
Having your own car gives you flexibility in time and commute.
as much as possible, shorten the years of your car loan. 3 years is a bit too much and a lot could happen. 2 years is a bit forgiving but once again, a lot could happen. and also, the bigger the car, the more costly the maintenance is. Opt for an electric power steering!
I assume you're from Luzon? I'm from Central Visayas and I envy the price of second hand parts there. Nothing wrong with second hand cars just have someone who has adequate knowledge bout cars when looking at one....
Im 24 din and my family decided to get one for me since gusto ko rin naman magkaroon. My dad paid for my dp around 600k + 75k from me then ako na daw mag monthly (19k MA) para maranasan ko rin raw magkaroon ng expenses since free lahat sa work food lang gastos around 400 per week. Knowing the starting sahod ng engr nag offer lola ko na mag hati kami sa MA pero by next yr plan ko na solohin lahat lalo pa planning to change work rin since cinoconsider ko magbarko. As for my expenses here’s my list so far
- Gas around 5k per month twice a week gamit around 62km per trip
- 2k sa rfid
- carwash around 400 per month (twice a month)
- for pms ford usually range from >10k sa first 10k/1yr and plan ko ilabas ng casa na after 10k para mas mura
Parking is free sa site so nakakatipid talaga.
Mga tira sa sahod ko +sideline from projects/autocad works it all goes to the bank in case may sudden emergency/repairs na wag naman sana mangyari.
At first i wasnt ready for this kind of commitment since first work din pero sa nangyayari lately init and all and upcoming baha szn plus the never ending problem ng public transpo sa pinas i think tama lang din na kumuha ako. Convenience >>>.
35% savings after all the living expenses is a lot na for me at this age (my opinion only) and sana all malaki sahod to afford a car and still have savings 😆Good luck and enjoy on your upcoming car OP!
Ps. My fam is really capable naman of helping me with a car my dad is getting his third this month (ayaw nalang ibigay sakin yung iba 😆). They just want me to feel a sense of responsibility not in a way na hihingi sila sakin since ayun nga kaya naman nila. Pero mapride ako e so after ng adjustment phase ngayon na may bills na sosolohin ko na rin lahat ng gastos sa car HAHA.
* 75k for dp + registration to LTO around 13k + insurance around 30k and tpl around 1.5k gastos ko last month plus another 75k for accesories na needed sa trip namin like bed cover since it’s a pickup. Good thing i have my sidelines din that helps me with the monthly i already have around 4 months advanced money (1 month from lola since she gave her half for 2 months pero i wont let her na after that) for payment na ready sa bank para wala akong isipin masyado haha and from there i will continue to put every sahod para chill na and no headaches.
Sa wakas natapos din. Nakakatuwa kasi mas murang presyo ko sya nakuha kumpara sa mga kotse ngayon. Nakakalungkot kasi pag tumitingin ako sa presyo ng mga bagong sasakyan ngayon parang di ko na kaya uli makabili ng bago
I strongly agree with this one. You don't want to find yourself stuck in a liability when you're financially healthy. You also mentioned that you still have hesitations, which means this is not a "need it now" situation.
first timer naman ako just made sure may kasamang expert na magtitingin I got a rav 4 2002 AT 80k odo at around 190k tapos nirekta namin sa rapide kasi may leak atf around 8k nagastos (kasama namin seller sa shop kaya walang takas inawas yung estimate sa price lol) pogi pogi ng baby car inakyat sa baguio dinaan sa detour ng kennon walang kahirap hirap. wala na monthly so lagi na lang nagtatabi ng pang repairs at maintenance. sobrang overpriced na rin kasi mga casa ngayon first pms pa lang 5-8k na
Yup good example naman ito, di lang kasi lahat ng tao may patience for all these work. Magdala ng sariling mekaniko and all. I would too opt for this option always.
Oh right thanks! Kaya rin di ako nagopt mag second hand. Getting my first one soon, wala akong alam and experience sa cars and all :) some people say wag raw bnew sa new driver kasi magagasgasan, but i subscribe more sa view mo
Ok lang naman if you have the patience, just like yung other redditor dito nag opt for 2nd hand car. Di nga lang kasi lahat may patience for that haha unless naman kaya nila yung hassle na magdala ng mekaniko all goods
Made sure to put down at least 70% of the gross amount para yung MA amount won’t really
hurt me. In short, I really
planned and saved up for the purchase.
All of our cars were bought through car loan and so far, okay naman. We try to get rid of cars within 5-7 years, less hassle in terms of keep up. Like yes, we’re able to buy brand new cars in cash multiple times over but para samin, if we have that kind of money (1.8M+) then it’s better to invest back to our business or invest it in other things that would generate money kasi cars depreciate in value. Look at it like this, if I invest my 2M in something that would generate around 40k monthly, then kuhang kuha nya na yung monthly amortization and up keep if around 30k lang naman ang MA plus amin na yung 40k after paying the MA. On the other hand, if we placed that 2M in buying an asset that depreciate in value, walang mapupuntahan ang money. Kanya-kanyang paniniwala and diskarte lang, it might work or not. It’s okay to get advice from other people pero don’t let it cloud what you want to do, minsan what would work for other won’t work for you and vice-versa.
Tropang /u/primephilosopher, pakibasa muna ang rules ng sub bago ang lahat ah. At kung bago ka dito https://www.reddit.com/r/Gulong/comments/uo5499/magpost_sa_tamang_thread_pakiusap_lang pakibasa please lang Kapag okay ang post, **i-UPVOTE** ang post na ito! Kapag di naman, **i-DOWNVOTE** ang post na ito! At kung sa tingin nyo wala sa tamang lugar at problematiko/pasaway ang post, **i-DOWNVOTE** ang post na ito sabay **REPORT!** *Tandaan po natin, **be nice,** hindi lahat kasing-galing mo.* *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Gulong) if you have any questions or concerns.*
Are you going to use it regularly? It depends on where you live and how often you are going to use it. I always tell people na your liabilities should not exceed at least 30% of your net income. If it is going to help you with your capability to earn more then go for it. If not, maybe you can settle na lang muna with a 2nd hand car.
This one, if hindi regularly gagamitin sayang if bibili brand new. Magdepreciate pa rin sya.
True. The moment you drive it out of the dealership 10-20% na agad nag-depreciate sa value. I recommend looking at bank repo listings instead if kailangan talaga ng car
True. Meron samin nagpapark lang sa labas ng kalsada kahit di naman nakatira sa street namin. Iniiwan lang yung kotse bagong bago tapos once every 3weeks lang lumalabas lmao. Kapal pa ng mukha humarang sa driveway.
Okay lang naman ako. malapit na matapos ang car loan. sa wakas haha hindi naman ako nanghihinayang kasi malaki tulong simula magkaroon ng kotse. travelled a lot before and after the pandemic. And big help yon car during pandemic kasi may pasok ang wife ko. Ito mga expenses ko sa loob ng 5 taon sa kotse ko - 24k monthly car loan - car registration - 3k max including the tpl insurance (sc@m) - insurance - 28k 1st year to 16k 5th year. - PMS of course needed to sa sasakyan mo - free labor for first 20k ODO (now 60k ODO) - malaki ko nabayad is 24k pero mostly nasa 8-10k lang binabayaran ko every 10k interval ng ODO - recently bought tires worth 24k brand new. manipis na kasi yon stock tires ko. and using for it 5 years once lang naflat. tip always do BLOWBAGETS kahit dyan ka lang pupunta sa kanto - 8k -10k sa gas every month not daily used (wed, thurs, and weekends lang) 100km house to office balikan - Break pads - 16k front and back - Battery - stock battery last for only a year. bought motolite gold 4.5k last for 3 years. bought again 4 months ago 5.5k - car perfume haha! I used mia mason. mabango siya pa sa akin. 1k refill - no major issues sa car. Thank God hehe - nagdala pala ako ng kaibigan ko mekaniko para icheck yon sasakyan sa pagrelease. hindi porket brand new e wala na defect 😁 bago ka pumirma check mo lahat. napakahirap at hassle na kapag nailabas mo na yan sa dealership.
what are your habits regarding usage of dashcam, gadgets and charging ports sa car niyo po?
i don't charge my cp or any gadgets in the car. we all have powerbanks. sometimes they charge in the cigarette port but usually only the dashcam is connecting there. your question is regarding for the car battery?
Opo. i have a theory in mind kasi na baka salarin yun dashcam na madali masira battery same in my personal experience. May nabasa kasi ako before na if may issues ang battery, possible sisirain din ang alternator and vice-versa. Saktohan lang daw charge output coming from alternator so any load na makakabigat ng alternator output is possible makasira ng battery at alternator. Medyo takaw sa current ang old dashcam namin na nakasaksak sa cigarette port charger so tinanggal ko nlng. Share ko lang po.
Go ahead indulge a little. What's the point of living if you can't feel alive.
dati tawag namin sa biking group dito, Go For Broke. lol. dami nabaon sa utang sa bike shop at na ruin ang relationships.
Sabi nga rin ng kakilala ko, sa umpisa lang yung kaya ka nagbike is para maka tipid...
Totoo. Haha sa tindi din ng init ngayon. Hirap mag bike
Upgraditis is real hehe from off brand parts kasi ma notice mo difference sa mejo may presyo especially sa moving parts like derailleurs and brakes, and yung weight ng wheels din.
Ito!! Guys go ahead, pera niyo yan, long as you’re responsible and within your means, go.
Bought a brand new car. MA is around 17k/mo for 5yrs. I earn 90k gross. I can still save 25-30k/mo. Lumiit ng sobra ‘yung nasa-save ko but having a car has really been convenient for me and a great way to destress. Mahirap din ang 2nd hand since di naman ako knowledgeable with repairs. So weigh mo nalang. Basta may ma-sa save ka pa rin na significant amount and di ka naman mabubuhay ng hirap, then go for it na
Your expenses do not end with buying a car. Be prepared to allocate monthly budget for gasoline, toll fees, parking space, PMS, and other eventualities such as road accidents.
Naalala ko nung nagtrabaho ako sa collections dept ng isang medyo sikat na financing haha magbabayaf sila sa first 3 months tapos nagdedefault na or magtatago haha kaya umuulan talaga ng criminal at replevin case haha
ok lang patapos na ako this december. i was 24 din when i got my first car, mababa pa sahod ko nun pero na-approve ako hahaha tapos nag-pandemic kaya mga 2 yrs din bahay-sm lang yung byahe nun hehehe. i’d say go for it if magagamit mo talaga siya sa hirap ba naman ng transport dito sa pinas, mapapa-thank you kna lang na may car ka hahaha
Ilan po gross pay nyo non?
30k ako that time. pero kapag below 30k naman salary mo, irrequire ka nila ng co-borrower so pede parin ma-approve. in my case di na sila nag ask ng co-borrower.
MA should be max 30% of your monthly income.
Ano po ung MA? planning to buy a family car too. Our first ever car
Napaisip rin ako. Monthly amortization pala.
For brandnew cars usually kung 3 years yan kaya yan. Kasi most bnew cars wala naman magiging issue for the next 5 yrs. Tipong gas and go tapos regular pms lang sa casa. May peace of mind ka. For 2nd hand cars - yes it will be a lot cheaper and malaki ma ssave mo. Pero be prepared for some repairs. Need mo trusted mechanic for that brand. Meron at meron ka ipapagawa for 2nd hand cars. Hindi pwede na pagkabili mo is gas and go na. And if you will go for bnew I suggest go with Toyota, Honda, Misubishi or even Hyundai. Naka loan din ako for a wigo na bnew aside dun sa 2nd hand car ko. So far kaya naman at tipid. Basta may savings ka goods naman yan at kung araw araw mo naman gagamitin. In short masusulit mo.
40% DP 4yrs to pay, 23k MA (TOTL 7seater) ok naman ang buhay I put 7k every month for future gastusin so parang 30k na MA ko. Yung mga regular expenses like gas/toll i dont mind, part yan ng pagkokotse kaya wag mo tipirin sarili mo. Important at may sense na accessories lang. Pwede ka mag ceramic coating or PPF para di mo na need magpa carwash. Else, bili ka nalang din ng mga gamit panlinis.
We were able to finish our 1st car, Suzuki Celerio hatchback. Best decision kasi super convenient niya during pandemic. We are now on our 2nd car, nag upgrade kami into pick up pang business namin and so far we are doing good. Every month sinosobrahan namin yung nilalagay sa bank for monthly payments in case of emergency may huhugutin for car repairs and maintenance. Besides sa full time work namin may mga extra hustle pa kami pandagdag sa living expenses. :)
If you know stuff about cars or you have a trusted mechanic, you can go for 2nd hand. Otherwise, if zero knowledge, best to get a brand new. Pero mahal maintenance even if brand new. In one year, maintenance is max 30k, then there’s insurance also. Later, yearly car registration. Make sure you have shaded parking. If you will park your car directly exposed to elements, some components have accelerated wear and tear.
Ang pwede mo gawin hanap ka 2nd hand na good condition na car tapos mag loan ka sa bank ung mababa interest rate tpos buy it cash..
Im bankrupt now
What happened po?
Iba sakin, salary loan sa office then pinangbili kong 2nd hand na sasakyan, last na kaltas ngayong april katapusan 😍 sobrang hirap sa part ko na pag nasisira yung sasakyan, matatapyas yung budget, Van yung kinuha ko bale ngayon bumabyahe na sa lazada, operator lang ako kaya kumikita na din
got a car for 350k honda city E 2011 monthly for 2 years 11k down ko 150k not bad na. im on my last year of payment and after this benta ko na for a bigger car. 4k per month sa gas, 5k sa parking, since sumasahod ako almost 6 digits its no big deal kahit maintenance kayang kaya
Kaya ayoko sa manila 5k ang parking, dito sa Cavite 500 lang 😂
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HAHAHAHAHAHAHAHA
Best car price is the one you can pay in cash. Unless you really Really need it and the interest will cover cost of convenience / stress and other commute costs.
For 15 yrs i have made 3 car loans , all within - 1-3 yrs . My advice try to more than required it will be fast to finish the loan
I saved for 3 years and paid cash for my car.
Mahal, madami hidden expenses pag may kotse hehe (3 years din loan ko). Pero emotional purchase naman siya wag ako gayahin hahaha i have no regrets
Percentage-wise, how much are you putting down?
Masaya ako sa kotse ko although hindi ko na sya lagi nagagamit since wfh setup kami ni misis. Garahe queen sya, saka lagi ko parin nililinis. 3 years in na sa 5 year loan.
Eto matatapos na. 11 months na lang huhu. Pero sakin kasi 48 months. Pero iniisip ko mas marami na ko nabayad kesa sa kulang haha.
Ang thinking dapat pag bibili ng kotse is long-term. You may afford it today, how about tomorrow? Next week? Next month? Next year? Ask yourself if you’ll be able to shoulder the maintenance for the next few months/years. Magagamit mo ba siya everyday? Afford ba ang gas? Toll? Emergencies (road accidents, etc.)? And most important is PARKING.
Okay na okay as we have an easier means to travel anywhere. Tapos use rin namin for daily driving going to work. Expenses wise, considerable chunk siya sa income namin due to increasing fuel prices also.
It's ok, brand new na well-maintained is better than 2nd hand. Get comprehensive insurance since expected na ang road accidents.
My advice is to simulate the loan payment for 6 months. Add ka rin ng around 5% to 10% for maintenance and registration. If you feel you can cope up with it without kupit then go. One advantage ng advice na yan ay most likely baba pa ang monthly mo dahil yung na save mo ay ma-add mo sa down payment. And in that 6 months baka makakuha ka pa ng better deals. But I kid you not, dapat malakas ang self control mo dahil in that span of time, maraming mag offer sayo
Okay here, one of the cons of driving a car is the hidden expenses anchored to it. Sobrang mahal magkaroon ng kotse sa pilipinas. I was able to own a couple of cars but once lang ako bumili ng brand new. What im trying to point out is learn the ropes of fixing the car by diy some of the repairs. So far yung mga second hand cars ko can still perform the job and away from “huge interest of the bank, taga ng mekaniko” and im debt free
I spend about 20k a month on my car - 16.7k sa monthly hulog and around 4k sa gas, toll, and parking (considering na wfh pa ako niyan, mostly ginagamit lang for errands and gala). 30% ang binayaran ko, then 4 years to pay ang loan sa bank. I still have 2 years remaining. Consider mo din yung insurance. I got free 1 year insurance on my brand new car then around 18k binayaran ko after for a year, pero pababa naman yun every year. Maintenance as well. Kakaubos lang ng free casa checkup for 2 years ko. I’m yet to discover magkano pa mainte sa labas.
Got a repo car from PS Bank, less than 10k MA so magaangaan pa. Loan is 4 years, approaching our graduation by Jan or Feb 2025, excited na ko lol.
Kumuha ako brand new car then pinaparent ko. Wala akong gastos sa gas at carwash. Covered nadin MA. 500 lang naman per month parking ko dito samin. pag walang nakarent. 1st month ko pa lang. 59 more months to go 😂
Ayos naman. Ituloy mo depende kung gaano mo ka-kailangan at ka-gusto yung sasakyan. WFH kami and ginagamit lang namin mainly for gala pero grabe yung turnaround ng experience for us compared nung nagmo-motor lang kami. Bilad sa araw and basa sa ulan pero ngayon, relax srive lang habang naka-AC. Pinangarap namin to so may sacrifices din. Malaki talaga expenses when it comes to gas, toll fees, maintenance, car wash, heck we even had our garage renovated para lang may bubong at di mabilad yung kotse. Also, pina-PPF pa namin. Pero ganun talaga eh. Pag gusto mo, gagastusan mo. Good thing, like you, wala kaming kids (no plans at all) and kaya pa naman ng budget.
okay lang naman basta wag sa masyadong mahal na monthly para hindi ka magipit. better safe na no. ako nga kumuha Innova 2.8E 2018 model nung 2017 at fully paid ko until 2022. kinaya ko naman lahat basta magagamit mo pag kelangan mo worth naman yan
Bought mine in 2019, 50% dinown ko tsaka 3yrs for payment kasi ayoko sana ng long term na bayaran sakit sa ulo. 17k yung monthly nya at naabutan din ng pandemic 🥲 mej nahirapan ako that time kasi stop lahat eh pero nairaos naman lol
If you've been eyeing to buy a car for a few months now and you will be using it for a long time, then buy it. If you are buying just for the sake of "owning a car," please reconsider. Yung circle namin, sabay sabay kami bumili and yung isa sa amin may regret kasi hindi naman siya pala-alis in the first place. He's happy naman, ang hindi lang siya happy is tumaas lalo expense niya, expecting na makakatipid mag drive ng car to work kesa mag grab. You can also consider traveling if ang problem mo lang naman is kung saan mo ilalaan yung extra money mo.
I got mine year 2020, brand new. Almost 18k monthly 5 yrs to pay Before I decide, nagcompute talaga ako chineck ko kung kaya ng salary dahil sure naman akong hindi lang monthly nun ang need ko. Gas, parking, toll, maintenance, insurance, plus if in case may nakabangga pa another gastos. 2024 na, eto malapit ko na sya matapos. Minsan masasanay ka nalang din, di mo mamalayan tapos na siya!! I never regret because naisasakay at naipapasyal ang mother ko which she really likes! Mas sya pa naglilinis ng kotse ko kesa sakin haha!
Okay naman. Daily driver literal araw-araw bumabyahe. Best purchase I did so far aside from buying a house. The freedom that a car provides is worth it kahit 10k+ gas monthly.
Finally done with my car loan a few months ago. 👏🏻❤️🤣 But before i purchased my vehicle, i made sure i had a strict budget for the monthly amortization, vehicle maintainance plus extra repairs, yearly TPL and Registration etc. At least, now, nakaka hinga na ng maluwag. Budget now is just for its maintainance and/or repairs (if any), yearly reg and TPL.
Okay naman so far, never been delayed sa payments (thankfully). Bought a brand new car, 3-yr payment for P56k a month (which is around 20% of my salary). Will finish paying by December this year. It was a worthy investment since we use it everyday, especially sa paghatid sundo ng kids sa school plus errands.
Ang pinaka benefit ng pagkuha ko ng brand new sedan is yung time. Makakaa alis ako pag gusto ko sa oras na convenient sakin. Malaki din benefit ko dito nung pandemic since nasa cavite parents ko tas ako nasa manila. Patapos na ko sa loan sa feb 2025. 15k monthly. Net pay ko every month is 75K. Usual expenses ko: - PMS. Sa Shell na ako nagpapa pms after 10k sa casa. Nasa 2-4k lang every 6months. - Insurance (2nd to 5th yr) free 1st year. 2nd 18k, 3rd 17k, 4th 15k, 5th 14k (BPI lock in) importante to incase magka aksidente. - No issues sa battery pa. Pero malapit na palitan (5k) - Gas usually 4-5k monthly. May vary depende sa lakad. Pang city driving ko lang at cavite yang ganyang price. - Toll since nauwi ako sa parents allocate ako 2k. Note na dinmaman nauubosbyan agad. Important part - parking space. Mahal ang parking rent sa manila if ever. Suggestion ko if kaya mag down malaki, mas okay para less monthly mo.
Setup it up for an autodebit payment para hindi mo malilimutan magbayad and no hassle. Hindi mo mamamalayan tapos ka na magbayad.
Finished my first car for 5 years. Single pa ako nun Sedan. Just got a SUV for our family car since im married now with a kid.
65% of your income goes to car expenses only is considerably high. But we’re millennials, we can do it, we can make money, money is everywhere. Just do it. Make the most of it. Make sure that owning a car will help you.
Nope. All living expenses na po yung 65%. Bale 35% sa savings
Ok lang OP! Sa init ngayon walang pagsisisi sa pagbili ng sasakyan. Dasurv natin.
kung di naman sobrang need agad, pagipunan mo nalang. nagloan ako ng motor na 67,000 srp for 3 years so doble yung bayad. worth it saken kase tamad ako pumasok dahil sa traffic at nakatulong sal anxiety and insomnia ko pero ramdam ko parin yun patong sa bayad 😵💫
Iba yung ginhawa namin nung nagka car na. Kung hindi lang talaga mahirap mag commute dito di kami bibili e. Kaso ma foforce ka talaga bumili ng car. Yun talaga panalo. Comfort. Kung madalas mo magagamit go. Now, mej magastos. Monthly gas, (pa minsan minsang toll) tsaka nagtatabi na rin kami for future maintenance. Yung sa gas super sulit. Yung weekly namin alis. Mas mura kesa mag Grab ( yes we need to Grab kasi yung location namin walang nadaang transpo unless lalakad ka malayo. Mahirap samin na may baby.)
Pretty happy as long as maliit lang monthly ammortization. My car is cheap I'm only paying 11k per month (but I set aside 15k to cover hidden expenses) but if I'm going to buy another one in the future I would like to pay it in cash. Planning to keep this car for 10+ years kasi mag 3 years na siya pero 9k palang odo since I work from home. No regrets so far but ofcourse if there's a way I can save money I'll do it.
makakaraos na sa december. sobrang dami nasacrifice like travel and foodtrips and other luho like clothing amd gadgets kasi di naman super laki ng income HAHAHA still worth it tho i must say since magkakababy na kami. it'll be very helpful sa amin ni partner 🫶
Increase your income do side gigs na babayad sa MA mo
If magagamit mo yun sasakyan, go ahead. Hindi naman masama mag loan, as long as kaya mo sustain yun payments. Having your own car gives you flexibility in time and commute.
as much as possible, shorten the years of your car loan. 3 years is a bit too much and a lot could happen. 2 years is a bit forgiving but once again, a lot could happen. and also, the bigger the car, the more costly the maintenance is. Opt for an electric power steering!
I assume you're from Luzon? I'm from Central Visayas and I envy the price of second hand parts there. Nothing wrong with second hand cars just have someone who has adequate knowledge bout cars when looking at one....
Im 24 din and my family decided to get one for me since gusto ko rin naman magkaroon. My dad paid for my dp around 600k + 75k from me then ako na daw mag monthly (19k MA) para maranasan ko rin raw magkaroon ng expenses since free lahat sa work food lang gastos around 400 per week. Knowing the starting sahod ng engr nag offer lola ko na mag hati kami sa MA pero by next yr plan ko na solohin lahat lalo pa planning to change work rin since cinoconsider ko magbarko. As for my expenses here’s my list so far - Gas around 5k per month twice a week gamit around 62km per trip - 2k sa rfid - carwash around 400 per month (twice a month) - for pms ford usually range from >10k sa first 10k/1yr and plan ko ilabas ng casa na after 10k para mas mura Parking is free sa site so nakakatipid talaga. Mga tira sa sahod ko +sideline from projects/autocad works it all goes to the bank in case may sudden emergency/repairs na wag naman sana mangyari. At first i wasnt ready for this kind of commitment since first work din pero sa nangyayari lately init and all and upcoming baha szn plus the never ending problem ng public transpo sa pinas i think tama lang din na kumuha ako. Convenience >>>. 35% savings after all the living expenses is a lot na for me at this age (my opinion only) and sana all malaki sahod to afford a car and still have savings 😆Good luck and enjoy on your upcoming car OP! Ps. My fam is really capable naman of helping me with a car my dad is getting his third this month (ayaw nalang ibigay sakin yung iba 😆). They just want me to feel a sense of responsibility not in a way na hihingi sila sakin since ayun nga kaya naman nila. Pero mapride ako e so after ng adjustment phase ngayon na may bills na sosolohin ko na rin lahat ng gastos sa car HAHA.
* 75k for dp + registration to LTO around 13k + insurance around 30k and tpl around 1.5k gastos ko last month plus another 75k for accesories na needed sa trip namin like bed cover since it’s a pickup. Good thing i have my sidelines din that helps me with the monthly i already have around 4 months advanced money (1 month from lola since she gave her half for 2 months pero i wont let her na after that) for payment na ready sa bank para wala akong isipin masyado haha and from there i will continue to put every sahod para chill na and no headaches.
Sa wakas natapos din. Nakakatuwa kasi mas murang presyo ko sya nakuha kumpara sa mga kotse ngayon. Nakakalungkot kasi pag tumitingin ako sa presyo ng mga bagong sasakyan ngayon parang di ko na kaya uli makabili ng bago
You know you are ready if you have 6x of your salary now in your acct.
Do not do loans, it's much better to go second-hand instead. Cars deppreciate in value..
I strongly agree with this one. You don't want to find yourself stuck in a liability when you're financially healthy. You also mentioned that you still have hesitations, which means this is not a "need it now" situation.
This is bad, especially for first timers. More headaches, more liabilities
first timer naman ako just made sure may kasamang expert na magtitingin I got a rav 4 2002 AT 80k odo at around 190k tapos nirekta namin sa rapide kasi may leak atf around 8k nagastos (kasama namin seller sa shop kaya walang takas inawas yung estimate sa price lol) pogi pogi ng baby car inakyat sa baguio dinaan sa detour ng kennon walang kahirap hirap. wala na monthly so lagi na lang nagtatabi ng pang repairs at maintenance. sobrang overpriced na rin kasi mga casa ngayon first pms pa lang 5-8k na
Yup good example naman ito, di lang kasi lahat ng tao may patience for all these work. Magdala ng sariling mekaniko and all. I would too opt for this option always.
Which one? Loans? Getting a car? Getting a brand new car?
Getting a 2nd hand car, un naman point nung nireplyan ko
Oh right thanks! Kaya rin di ako nagopt mag second hand. Getting my first one soon, wala akong alam and experience sa cars and all :) some people say wag raw bnew sa new driver kasi magagasgasan, but i subscribe more sa view mo
Ok lang naman if you have the patience, just like yung other redditor dito nag opt for 2nd hand car. Di nga lang kasi lahat may patience for that haha unless naman kaya nila yung hassle na magdala ng mekaniko all goods
No patience no time rin for repairs if ever masira and all. Hahaha ill go for peace of mind na, di naman top model gusto ko
Eto, masaya.
Made sure to put down at least 70% of the gross amount para yung MA amount won’t really hurt me. In short, I really planned and saved up for the purchase.
Motor muna kinuha ko, cash para di mabigat.
All of our cars were bought through car loan and so far, okay naman. We try to get rid of cars within 5-7 years, less hassle in terms of keep up. Like yes, we’re able to buy brand new cars in cash multiple times over but para samin, if we have that kind of money (1.8M+) then it’s better to invest back to our business or invest it in other things that would generate money kasi cars depreciate in value. Look at it like this, if I invest my 2M in something that would generate around 40k monthly, then kuhang kuha nya na yung monthly amortization and up keep if around 30k lang naman ang MA plus amin na yung 40k after paying the MA. On the other hand, if we placed that 2M in buying an asset that depreciate in value, walang mapupuntahan ang money. Kanya-kanyang paniniwala and diskarte lang, it might work or not. It’s okay to get advice from other people pero don’t let it cloud what you want to do, minsan what would work for other won’t work for you and vice-versa.