BANK PO experience BDO & PS BANK to purchase a 2023 Suzuki Spresso AGS

This video is meant to share my experience in applying for a Bank PO with BDO then ended up with PS Bank.
Finally got my 2023 Suzuki Spresso AGS real quick! 😀

[@balong59fdc]

Congratulations on your new car. God bless. Hopefully, u can make videos of your sojourn to different places in the country, documenting your views and personal opinion with regards to your trips. God bless. More power to u.

[@3dr14ng4]

Thank you po for sharing ng experience. Malaking tulong sa mga mag fi-first-time buyer na katulad ko.

[@boybudoltv2127]

Welcome po. May bagong upload na video po ako about sa BANK PO Steps or Process naman. You can check it po

[@jessieevanglista440]

Thank you for sharing experience sir, gusto ko din kumuha Suzuki Spresso :)

[@boybudoltv2127]

Yes po, try ko pa gumawa ng iba pang videos relevant to Spresso. I suggest you talk to your bank po or perhaps try PS Bank since sila pinaka mabilis mag approve ng application. 😁

[@kuyadantvgalvan617]

Thanks for the info, planning to do the same...

[@boybudoltv2127]

You're welcome. Thank you for supporting

[@loretafortich9992]

thanks for sharing!

[@boybudoltv2127]

Welcome po. 🥰

[@jaynet34]

Very informative. Keep on creating and sharing videos about Auto loan and other stuff.😁👍

[@boybudoltv2127]

Many thanks! I'll definitely share whatever I know para sa madlang people. 😎

[@belindateodoro3247]

Ps bank interesting to know thank you for sharing

[@boybudoltv2127]

You're welcome 🥰

[@first-j1020]

Thanks for sharing. This is helpful. I’m a BDO depositor as well. Now, I’m thinking if I will apply an auto loan with BDO or PSB but seems the latter is more easy to get approval.

[@boybudoltv2127]

You're welcome! PSB is definitely quick in terms of the application and approval process. Everything completed in less than 7 days. 🥰

[@richardvalencia1025]

Congrats

[@boybudoltv2127]

Salamat brother

[@perper105]

Na exp namin to s bank namin which is metrobank, bankPO dn, we're declined due to existing housing loan nman. Then s PSBank kami na approved pero inhouse financing.. kaya agree aq sayo brader.

[@boybudoltv2127]

Salamat po for sharing your insights. Not all the time iaapprove tayo ng own bank natin, may maliit na chance parin talaga na ma decline tayo khit maganda pa records natin. Hehe

[@anuna9157]

Ganda ng white...elegant ❤

[@boybudoltv2127]

Yes it really looks elegant. The only downside is madali mong makita mga dumi haha.

[@anuna9157]

@@boybudoltv2127 yun lng... 😁

[@jolasnanale9181]

Congrats sir malaking tulong to sa akin kasi balak ko mag loan ng ags s presso

[@boybudoltv2127]

Thank you sir. I suggest you try PS Bank pag Bank P.O plano mo. Mababa ng kaunti interest nila kesa kay BDO. 😁

[@jolasnanale9181]

​@@boybudoltv2127salamat sir

[@trishamay4032]

Thanks for this video po. I was planning to open an account with BDO para maging depositor din ako tapos kukuha ng car loan. Buti pala napanood ko to. Dko na itutuloy. Planning to get the same, 3 years lang din gusto kong term.

[@boybudoltv2127]

Hello po. Yes mas ok pag 3 yrs term para mabilis po. If you are within QC or nearby, I can refer you dun sa PS Bank branch manager na nag accommodate sakin. 😁

[@mommyvernz]

700k+ po ang alam ko minimum car loan amount. AGS kasi is less than.

[@boybudoltv2127]

@@mommyvernz I am not sure about that po pero if that is the case, sana hindi nalang ako inentertain nung branch staff ng BDO and yung nag CI via phone

[@JoshLazyGamingTV]

@@mommyvernz saakin 710k ags nag down ako 141,000 monthly 12,700

[@mommyvernz]

@@JoshLazyGamingTV 710K? Di ba 660k less discount pag cash or bank financing.

[@ryeramos4654]

Same exp. Sken lang walang notif na disapproved. 1mo passed walang sinabi, then I decided to try PSBank. And boom, 1.5years naq may Spresso.

[@ryeramos4654]

Depositor din ako sa BDO. With savings and checking account. Sa PSBank, wla ako account, ngaun lang kc nag autodebit sa kanila.

[@boybudoltv2127]

Actually wala talagang notif kahit sakin kaya napilitan ako tumawag sa CS Hotline at text sa branch. Kung di pa ko makikipag communicate, di ko malalaman status. Haha. Same na same pala tayo experience ka-Kopi

[@pearlyjabonite3250]

thank you for sharing depositor din po ako ng BDO matagal na rin, and planning to apply for auto loan pero napanood ko to kaya maraming salamat po sa info and tips

[@boybudoltv2127]

Welcome po. You can also watch this one na related sa Bank PO. th-cam.com/video/L4Eqa8n9iDo/w-d-xo.html

[@ralphdanielaguilar6893]

Sir anong area po kayo? yung CI din po ba sa nyo eh over the phone lang talaga? wala pong pumunta sa bahay nyo? thank you

[@boybudoltv2127]

Hi bro. From QC ako. Yes over the phone lang CI sakin. Siguro dahil may unang loan narin ako kay PSBank in 2018 wherein nagpunta sila mismo dito sa bahay.

[@user-uq5ly9yb2p]

Hi sir 1st time car owner here. ask lang po if yung agent or dealer na ba mag aasikaso ng mga requirements if bank p.o? Or ikaw pa din po? Kasi nabanggit mo sa vid na nagpunta ka din sa branch. Kasi tanda ko sabi nung agent na kausap ko send lang daw ako ng requirements and sya na daw bahala mag asikaso 😅 thanks!

[@boybudoltv2127]

Hi. For Bank PO, ikaw mag aasikaso nun by submitting the required documents sa mismong bank dahil sa kanila ka uutang. If sa agent mo ipapasa yan, I suppose hindi yan Bank PO but rather in house financing.

[@PLG____-iw1gt]

Any differce between the Mirage hb and the suzuki s presso ags. Power, ride quality and stability? What made you choose the s presso over others like wigo or vios xe?

[@boybudoltv2127]

No major difference bet. Mirage HB & Spresso AGS except I can go on manual mode sa AGS. Fuel efficient din naman Mirage. Overall, I chose the Spresso due to its ground clearance & its affordable price.

[@PLG____-iw1gt]

With the 250k dp. The Vios XE Cvt is also around 12k monthly for 4 yrs. Have you considered this. Bigger car.

[@kapitantiam7345]

​@@PLG____-iw1gt baka happy na sya sa small car.

[@sebyo7650]

Sinabi mo ba what dealership u buy the car?

[@boybudoltv2127]

@@sebyo7650 hi. Yes po. Sinabi ko kung saang car dealer ako nagpa quote ng final price ng Spresso AGS then binigay ko contact numbr nung sales manager then tinawagan sila ng bank

[@JetTrinona]

Legit sobrang bilis ng approval ng car loan ng PSBANK. Yun ngang interview ko walang 2 mins kasi nasa meeting ako eh. Sabi tawagan pa ulit ako pero nagtext na lang approved ha. Bilis mag approve ng PSBANK walang 24 hrs. Naka PO na rin si PSBANK manager and waiting na lang kami sa details ng unit para mag down ako. Ako pa nga yung nagsabi na bagalan ng konti kasi ang bilis bilis talaga. 🙂

[@boybudoltv2127]

Sakin naman sinabi ko sa dealer bagalan ang release kasi may pasok ako sa work sa gusto nilang araw na kunin ko koche. Haha. Good as cash kasi once approved na bank PO eh. Bka within the week makuha mo na syo

[@jovaniecrisostomo44]

Hayst, sobrang kabado ako today sir. Na C I na ako ng psbank kahapon thru inhouse financing. Still waiting today if approve ba ako o decline. Sana ma approve since deserve naman namin ng partner ko. 🥺😭

[@boybudoltv2127]

Nice. As long as wala naman po kayong mga unsettled balance sa ibang banks or any financial institutions, malaki chance nyo maapprove pero sympre its up to the credit underwriter if they will approve your application or hindi. Mas ok po sna if nag Bank PO nalang kayo kasi mas maliit interest compared sa inhouse

[@ronabellevillanueva9409]

Hi sir, I'm also interested. Buti nalang I came across your video so helpful! SO parang 41,000 lang po ang interest nyo kay PSBank tama po ba? Sana mapansin hehe. Nag iisip po kasi ako if I will apply for a car loan or mag iipon nalang ba baka naman pag nakaipon na eh maubusan na ako charot hahaha. Thanks in advance!

[@boybudoltv2127]

Hello ka-budol Ronabelle, salamat po and you found this video helpful. So bali ang monthly ko po is 12,169 to be exact for 3 years then SRP ng AGS Spresso is 660K but I was given a 32,000 discount pa so bali SRP nalang is 628,000. Yung TPL na babayaran din kay dealer less than 2k lang po yun. Anong car po ba target nyo?

[@boybudoltv2127]

The shorter the term and the higher the down payment, chances are good in getting a low interest. I suggest po if you will pursue for an auto loan, talk to any dealers po muna then ask magkano SRP ng car na gusto mo and if they can give a discount pa if ever maapprove ka sa BANK PO. Next thing you do is approach any banks then ask for a full quotation. 😁

[@PLG____-iw1gt]

Any upgrades on your Mirage hb? Cvt ba?

[@boybudoltv2127]

Yep, cvt. Literal all stock sya hehe. Di ko sya inupgrade sir kasi nag focus ako dun sa upgrades ng first car ko na Mitsubishi Lancer GSR.

[@PLG____-iw1gt]

I have a 2014 hb gls cvt. The car is easy to drive and park. Do you have any problems with cvt during sudden uphill, like it doesn't wanna shift gear?

[@abetguerzon1939]

masakit sa ulo mag transact with BDO, madami sila requirement at ma busisi, so never transact with BDO. personal exp ko yan.. savings ko na lng sinasara ko dami nila hinihingi😢 savings ko ayaw pa e release..

[@boybudoltv2127]

Oo boss. Di rin ok experience ko. Puro offer ng mga insurance products pero nung car loan declined. Hehe

[@kevinquinnlanaza8779]

Bale need mo ng malaking dp tama? Hindi mo pwede i -avail yung promo dp ni dealer kung bank PO ?

[@boybudoltv2127]

For Bank PO boss, atleast 20% po ang down payment mo. Yes, tama ka na hindi mo pwede i-avail yung promo ng dealer na low down payment if you are going to purchase thru Bank PO

[@ennatsirk]

Hi bro, about sa Suzuki dealer, ikaw ba naghanap ng dealer or si PS Bank na? If yes, nagpunta ka ba muna sa dealer to inquire/inform about bank PO then derecho sa bank? thank you!

[@boybudoltv2127]

Hi ka-Budol, actually yan ang iniisip kong next video pero di pa makagawa due to busy sched. Hehe. To answer your question, naghanap muna ako ng dealer malapit dito samin to ask the cars SRP and discounted price (if meron man) then next is naghanap nako ng bank na pag aapplyan which I ended up with PS Bank. The rest is history. Haha 😁

[@ennatsirk]

@@boybudoltv2127 Thanks again bro! And great idea to cover that in your next vid, kahit short lang just to share info on that matter and new content na rin!

[@boybudoltv2127]

@@ennatsirk yes sir. Perhaps sa day off ko po. I wasn't expecting marami mag cocomment sa video kong to at magtatanong so I'll do more po. In the mean time, hanap kyo ng dealer muna then ask your preferred cars SRP at kung may discount po ba for Bank PO. 🚘

[@Ka_Pepe]

Sir. Magkano ang difference sa monthly amortisation mo sa in house vs bank p.o.

[@boybudoltv2127]

Hi.. Under the 3 yrs loan term, monthly amort difference is nasa 1,200 if I remember it correctly.

[@raquelcarreontv7471]

Helo sir,ask ko lang po anong requirements hiningi sainyo sir ng bank po? At ano po mga binayaran nyo noong pagrelease ng unit po? Actually po nag carloan din kami sa BPI at approve po.sino po ang maghahanap ng dealer yong bank po o kami? Gusto ko lNg po malaman bago namin e go po? Thanks po sis. for sharing this video.God bless po.

[@boybudoltv2127]

Hi Raquel, ang hiningi sakin ay ITR 2316 at certificate of employment. Prepare mo narin po atleast 3 months worth of payslip. Loan ko is via BANK P.O so para marelease po ang unit, I paid for the cars down payment and TPL kay dealer. Chattel mortgage is payable kay Bank, sa kanila narin ako kumuha at nagbayad ng comprehensive insurance.

[@boybudoltv2127]

About naman sa paghahanap ng dealer, pwede naman si bank, pwede din kayo. Much better kayo nalang maghanap ng dealer preferably yung pinaka malapit sa lugar nyo then humanap po kayo ng sales manager/ sales agent and tell them approve po kayo sa BPI at kung anong unit ang gusto nyo.

[@raquelcarreontv7471]

@@boybudoltv2127 ay thank you po sir sa advice nyo at pag reply agad..God bless po

[@howieparungao3004]

Balak ko din sna kumuha spresso ags like bank p.o din sana pero 20% lng dwn. Magkno dinagdag mo sa insurance at iba pa mga fees boss

[@boybudoltv2127]

Ok yang 20% DP brother. Sa comprehensive insurance, hindi ako naka lock in pero kay PS Bank nko kumuha. Nag add ako as I recall mga 30k, chattel mortgage plus comprehensive insurance na po yun.

[@markjayson7143]

Boss ung 250k m all in n un? Wla kn ibang bnyran? Tska may ksma ng insurance un?

[@boybudoltv2127]

Yung 250k boss bayad ko sa car dealer. 248k sa down payment ng oto then 1k plus sa TPL. Yung comprehensive insurance sa PS Bank na ko bumili kasabay nung Chattel Mortgage payment po. Total na nilabas ko around 280k po.

[@caesarcardenas7839]

Yes its true Psbank na tayu😊

[@boybudoltv2127]

Low interest with fast approval hehe

[@wabbitramos2922]

AUTOMATIC KALTAS BA UNG PAYMENT SA LAMAN NG ACCOUNT SIR? FOR EXAMPLE IV AROUND 2 MIL IN MY SAVINGS ACCOUNT THEN HNDI KO NAASIKASO UNG PAYMENT , KAKALTAS BA SA LAMAN NG ACCOUNT UN?MERUN BNG GNUN NA PAYMENT SCHEME ANG BANK?

[@boybudoltv2127]

Yes sir. Automatic debit ang gagawin po nila dun monthly. May sasagutan kang form stating kung saang account mo gusto kunin ng psbank ang payment kada buwan.

[@wabbitramos2922]

@@boybudoltv2127 thank you sa info sir..yan ung naisip kong idea pra hassle at worry free ..more power

[@private_ryan77]

Sir, pwd ba makuha ang details ng manager ng PS bank na nag process ng application mo?

[@boybudoltv2127]

Sure boss. Search mo lang po sa fb Divine Grace Nequinto. Message mo nalang sya

[@Suejet1125]

Mahigpit si BDO kahit sa credit card hinde k basta ma aapprove kahit depositor k p nila! So lipat k nasa PS Bank😊

[@boybudoltv2127]

Hahah wala kasi time mag process to close the account then transfer to somewhere else. Perhaps pag naka leave ako from work.

[@johannlualhati3774]

Sir question po. sa PSBank po ba tinatanung po kung magkano monthly salary? may ganun bang qualification para ma approve ang car loan? Thanks po...

[@boybudoltv2127]

Yes po tatanungin ka po nila sa monthly salary mo. Irerequire nila yung ITR 2316 mo.

[@johannlualhati3774]

@@boybudoltv2127 ah okay po. magkano daw po dapat ang monthly salary mo para ma-approve sa loan sa bank? Thanks..

[@boybudoltv2127]

@@johannlualhati3774 hi. Dpende po yan sa bank eh. Sa BDO mahigpit sila, sabi sakin ng staff sa branch dapat 50k which is also declared sa website nila pero pwede nman combined salary. For example, yung asawa nyo po.

[@your_ramen_soba]

If ni disapprove ako ng main bank ko sa request ko maiinis ako. Hehe lipat na ng bank.

[@boybudoltv2127]

Correct. Haha.. 🤣

[@PartlyGoer.56]

250k lang total na d/p mo sir? (sori nag auto dictionary 😀)

[@boybudoltv2127]

What do you mean sa inuman sir? 250k ang ginawa kong down payment sa dealer then the rest of the balance is bank loan na kay PS Bank.

[@boybudoltv2127]

Yes sir 250k ang DP na ginawa ko though 20% lang naman hinihingi if Bank PO pero tinaasan ko kasi gusto ko 3 yrs lang term ko hehe

[@santadizon3380]

Hello Sir Magkano po ba interest sa bank pag nagka-car loan.
Thank You po.

[@boybudoltv2127]

Hi po. Ang interest po ay depende sa amount ng uutangin niyo sa bank at kung gano katagal ang loan term niyo. I suggest magpa quote po kayo directly sa preferred bank niyo maam. Pero base on my experience, mas mababa interest ng PS Bank kesa kay BDO

[@santadizon3380]

@@boybudoltv2127 Thank You Sir.

[@Ka_Pepe]

Sir magkano exact monthly amortisation mo

[@boybudoltv2127]

In my case sir, nag down ako mga 250K then monthly ko is 12,160 for 3 years. Pag 5 years yung term, nsa around 8K ang monthly.

[@lupindeter4136]

May i know po what PS Bank branch kayo nag apply

[@boybudoltv2127]

Sa Mindanao Avenue QC branch po

[@isaganimendoza1994]

Kung ako mag withdraw na ko ng account savings ko sa bdo.. nakakasama kasi ng loob na I reject ka, good depositors ka naman..

[@boybudoltv2127]

Oo boss. Yan plan ko. Wala lang time to do it kasi sat sun off ko from work. Closed mga bdo branches samin hehe

[@AeroSound28]

bosing anong bangko po ulet yung nag-approved sayo sa PO mo bosing

[@boybudoltv2127]

PS Bank po. 1 day processing lang nangyari sakin

[@AeroSound28]

@@boybudoltv2127 salamat sa response bosing

[@georgegalvezmygigztv4578]

Sir after ka mkpag carloan sa ps bank san ka kumuha ng insurance at chartel mo

[@boybudoltv2127]

Yung chattel kay bank mo po babayaran boss. Then yung comprehensive insurance hindi nman ako naka lock in kay bank pero sa kanila nalang din ako kumuha kesa maghanap pa ako hehe

[@georgegalvezmygigztv4578]

@@boybudoltv2127 magkano boss ang insurance sa suzuki mo sa psbank?

[@boybudoltv2127]

@@georgegalvezmygigztv4578 16,771.50 sir then chattel na binayaran ko 13,858. Overall nakatipid parin ako sa Bank PO kesa sa in-house financing. Hehe

[@kapitantiam7345]

Hindi ba kailangan ng job certificate?

[@boybudoltv2127]

Kailangan po sir proof of employment stating your annual income then yung ITR form 2316.

[@belindateodoro3247]

Mag kno ang interest ng banko kung sa bangko

[@boybudoltv2127]

Hi po. Ang interest po ng bank ay iba iba kasi depende po yan sa amount ng uutangin mo sa kanila at sa loan term niyo. I suggest punta po kayo ng bank para mag pa quote para malaman nyo po ang appropriate na interest

[@allaniman8829]

Close mo na account mo sa BDO para maka ganti ka naman. hahaha😁😁😁. Nagtataka lang ako bro kasi malaki naman pala pang DP mo eh bakit hindi ka pa kumuha ng mas malaking kotse?

[@boybudoltv2127]

Yan nga plan ko eh. Lipat na sa PS Bank haha. Bigger car means bigger SRP and monthly. Ang goal ko kasi is 3 years lang and also 3 lang naman kami kaya no need ng malaking oto though inisip ko sya before. Hehe. Kung sakali man pinursue ko yun, most likely 5 yrs loan ko pra atleast swak sa monthly

[@boybudoltv2127]

Yan nga plan ko eh. Lipat na sa PS Bank haha. Bigger car means bigger SRP and monthly. Ang goal ko kasi is 3 years lang and also 3 lang naman kami kaya no need ng malaking oto though inisip ko sya before. Hehe. Kung sakali man pinursue ko yun, most likely 5 yrs loan ko pra atleast swak sa monthly

[@jadweek5395]

San po kayo nagbayad ng LTO registration?

[@boybudoltv2127]

Free po ang LTO registration boss for 3 years mapa Bank PO or In-house financing.

[@jadweek5395]

@@boybudoltv2127 ayos, thank you po!

[@allanis_the_great]

ano po ang bank po?

[@boybudoltv2127]

Bank Purchase Order. Directly kang mag aapply sa mga banks ng auto loan meaning to say hindi ka dadaan sa mga inhouse financing ng car dealer.

[@abetguerzon1939]

gaano katagal nila na release ung unit sir

[@boybudoltv2127]

Less than 7 days after ko maapprove sa PSBank

[@abetguerzon1939]

@@boybudoltv2127 bkit kaya sa toyota ang tagal..4 months waiting.. corolla cross kc sana kunin ko.. kaso kung 4 mos pa darating e hndi ko na aabutan nka alis nako ulit.. ofw kc ako brod,kada 1 yr ang uwi.

[@boybudoltv2127]

@@abetguerzon1939 grabe na sa tagal yang 4 months. Wala silang stock ng kocheng hanap mo for sure. Lipat kayo ng dealer na meron.

[@milimetersinc.6171]

Dpat ba depositor ka?

[@boybudoltv2127]

Yan po suggested ng nakararami na dpat daw depositor kayo pra high chances of being approved. Pero sa situation ko hindi haha, depositor ako BDO pero declined ako. Kay PS Bank approved ako khit di ako depositor.

[@vonjorel]

Paano po nagbabayad kay psbank kapag wala kang account sa kanila

[@vonjorel]

Hndi rin po kasama ang lto reg sa bank PO?

[@boybudoltv2127]

Mag oopen ka ng savings account sa kanila kung saan dun mo idedeposit monthly payments mo para sa car loan.

[@boybudoltv2127]

@@vonjorel kasama po boss ang LTO registration.

[@vonjorel]

More power po sa channel boss tysm

[@boybudoltv2127]

@@vonjorel thank you po sir. 😁

[@mommyvernz]

Ang alam ko ang BDO, 700K+ ang kina carloan nila.

[@user-yk2ik2cr4w]

Sir pwd malaman name nung branch head ng psbank balak ko din mag carloan... salamat

[@boybudoltv2127]

Hi sir. Search mo sa FB: Divine Grace Nequinto. She is based here in Quezon City po

[@mommyvernz]

May ORCR ka na?

[@boybudoltv2127]

OR meron na po nung June 7, pinadala ng LTO sakin via email. Pero CR wala parin. Nakuha ko tong Spresso May 17 po. Kayo?

[@mommyvernz]

May 30 kmi. Pano po napadala thru email?

[@boybudoltv2127]

@@mommyvernz sinend po sakin ng LTO directly sa personal email address ko maam which is pwede ko daw iprint according to the car dealer

[@mommyvernz]

May lto portal po kau. 3 weeks din inabot. Salamat po. Plaka wala pa din?

[@boybudoltv2127]

@@mommyvernz yes may LTO portal po ako. Plaka wala pa rin. OR palang meron ako maam. Double check niyo po sa agent nyo status ng sa inyo incase wala pa kayo kahit OR muna sana

[@markjayson7143]

Kupal tlga yang BDO boss. Ewan q b bakt dmi nagbabanko jan. Ultimo remittance n kukunin grbe magusisa prang pagnanakawan m cla.

[@boybudoltv2127]

Kinukulit pa ko ng BDO mag invest sa kanila eh loan nga dinecline ako. Haha. Di ko lang maclose account ko kasi 3 minutes walk lang BDO samin, yung convenience ng banking transactions nalang habol ko.

[@markjayson7143]

Aq boss may account pero maintaining lng laman hahaha. Boss VUL un wg k kukuha ng gnun

[@boybudoltv2127]

@@markjayson7143 oo boss, kahit ano mangyari di talaga ako mag iinvest sa kanila. Haha.