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TOYOTA CAR: LEASE VS. ENCUMBRANCE
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TOYOTA CAR: LEASE VS. ENCUMBRANCE Eto po bagong FB natin para sa videos: https://www.facebook.com/BATASnatin-107860591437195 https://www.facebook.com/Atty-Ranny-Randolf-B-Libayan-154012243457531 Alternate YT channel po for livestreams: https://www.youtube.com/channel/UCskZGSV52krMvXgb8OXXx1g WEBSITE: https://batasnatin.com/ LAW FIRM: https://firm.batasnatin.com/ FACEBOOK PAGE: https://www.facebook.com/BATASnatin/ INSTAGRAM: https://www.instagram.com/batasnatin/ YOUTUBE CHANNEL: https://youtube.com/BATASnatinLive TWITTER: https://twitter.com/BATASnatin LAWYERS: Atty. Kristina Louise Magalong Atty. Ranny Randolf B. Libayan FIRM ADDRESS: #31 Gen. Luna St., Tuktukan, Taguig City, NCR (Across Taguig City Hall) Email: BATASnatin@gmail.com Telephone nos: +63915-954-6080 (+632)359-4203 We are a full-service Law Firm We handle and are experienced in litigating many kinds of cases. Please do not hesitate to contact us. We will be happy to assist you with all y
Atty. Ranny Randolf B. Libayan
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Run time: 15:17
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Video Transcript / Subtitles:( AI generated. About AI subtitles » )
00:00.0
Alright, yan magandang araw mga kapatid natin at welcome sa isa na mga live stream
00:05.9
Sabi niya 400k na tayo
00:08.6
Ano na nangyari sa merch natin
00:10.6
Oo nga, di ba niya mga kapatid natin, I hope hindi na magiging busy itong susunod na ano
00:17.8
Pag magpapasko sana, subukan ko, subukan ko
00:22.1
Actually kasalanan ni Atty Magalong yan
00:24.6
Siya yung in charge dun eh
00:26.6
Anyway mga kapatid natin
00:30.6
Alam ko ang tagal lang pa rin na promise e, pero kasalanan talaga ni Atty Magalong yan
00:34.6
Anyway ito mga kapatid natin ang usapan natin ngayon
00:37.6
Ang dami kasi nagtatanong sa akin
00:39.6
At syempre gusto ko rin i-dispel yung mga sa tingin ko hindi tama
00:44.6
na sinasabi tungkol dito
00:47.6
Bakit? Kasi nga dito sa Dakar Salesman mga kapatid natin
00:51.6
Ano bang ano dito, ilan bang followers dito?
00:55.2
Dito sa Dakar Salesman, mayroon yung post na yan mga kapatid natin
01:00.2
Yung post na yan, sabi
01:03.2
Yan, basahin nyo na lang
01:05.2
Hello po, may ask po sana ako
01:08.2
Kumuha po kami ng car sa Toyota
01:10.2
At ngayon napansin namin sa papeles namin list ang nakalagay
01:14.2
Bakit po ganon?
01:15.2
Hinihulugan namin every month po
01:17.2
Baka makatulong po kayo
01:19.2
Anong pwede naming tanongin?
01:21.2
Bakit list ang nakalagay po?
01:23.8
Thank you po
01:28.8
Ngayon, nagkaroon na ng maraming kuru-kuru yung mga tao
01:32.8
Tapos ang pinaka pinapaniwalaan dito lahat
01:36.8
At syempre dito, yung kay John San Juan
01:38.8
I know he means well
01:40.8
Pero
01:42.8
Medyo kulang kasi yung explanation
01:45.8
At na medyo may mga off ng konti
01:50.4
Ito, yung explanation nyo dyan
02:00.4
Ito, ito
02:05.4
Nakalagay dyan
02:07.4
Sabi niya
02:09.4
Toyota Financial Services is a financing institution who finance for Toyota vehicles
02:14.4
Pag magfafinance ka naman mga kapatid natin ang sasakyan mo
02:17.4
Pwede kang kumuha ng sarili mong banko
02:20.0
Wala naman problema
02:22.0
Itong Toyota Financial Services
02:24.0
Kasi mga kapatid natin, in-house financing nila yan
02:26.0
You can get it there
02:28.0
You can get it from any other bank you want
02:30.0
Okay, ngayon
02:32.0
They finance
02:34.0
And the term is leasing
02:36.0
Yes po, naka-name kay company yung sasakyan
02:38.0
And naka-leasing sa customer
02:40.0
With terms of payment
02:42.0
Example, 60 months
02:44.0
Kapag matapos mo ito hulugan
02:46.0
Fully owned mo na yung sasakyan
02:48.6
Okay
02:50.6
Tandaan nyo itong video natin
02:52.6
Lease vs Incombrance
02:54.6
Kasi nga, kapag bibili ka ng sasakyan
02:56.6
Mga kapatid natin
02:58.6
It is worthy to note
03:00.6
Kung naka-lease lang yung sasakyan sa'yo
03:02.6
O kaya naka-encumber lang yun
03:04.6
Sasakyan
03:06.6
Kasi mas maganda yung isa
03:08.6
Kesa doon sa isa
03:10.6
Okay
03:12.6
Sabi niya for bank finance
03:14.6
Kay customer naka-name yung sasakyan
03:17.2
Ibig sabihin nito
03:19.2
Kay customer naka-name yung sasakyan
03:21.2
But the property is fully owned by the bank
03:23.2
Wrong
03:25.2
Okay
03:27.2
Nakalagay dyan Incombrance
03:29.2
O kaya encumbered
03:31.2
Sabi niya, ibig sabihin nito
03:33.2
Kay customer naka-name yung sasakyan
03:35.2
But the property is fully owned by the bank
03:37.2
Hindi po, totoo yan
03:39.2
Kapag nagkaroon ho ng Incombrance
03:41.2
Sa isang property
03:43.2
It means there is a burden
03:45.8
Ibig sabihin, nakasanla
03:47.8
Kapag nakasanla mga kabatas natin
03:49.8
Yung property mo
03:51.8
Sa'yo pa rin yung property
03:53.8
Nakasanla lang ito
03:55.8
Anong ibig sabihin kasi na nakasanla
03:57.8
Pag encumbered siya
03:59.8
Pwedeng hatakin kapag hindi ka nakapagbayad
04:01.8
Nung iyong buwanan
04:03.8
Okay
04:05.8
So ito
04:07.8
It's not fully owned by the bank
04:09.8
Kasi
04:11.8
Kinukumpara niya dito
04:14.4
Sa list
04:16.4
Doon sa taas
04:18.4
Naka-list daw
04:20.4
Mga kabatas natin
04:22.4
E, naka-name kay company yung sasakyan
04:24.4
So parang pareho lang naman daw
04:26.4
Yung Incombrance
04:28.4
Kasi naka-name
04:30.4
Naka-name nga sa customer
04:32.4
Kaya lang
04:34.4
Property is fully owned by the bank
04:36.4
Wrong
04:38.4
Dito sa list na yan
04:40.4
O leasing mga kabatas natin
04:43.0
Yung property, yung sasakyan sa Toyota
04:45.0
Kasi Toyota ang may-ari
04:47.0
Lease, renta
04:51.0
Okay
04:53.0
Lease, renta
04:55.0
Rinirentahan mo lang
04:57.0
Yung sasakyan
04:59.0
Sa Toyota
05:01.0
Yun ang difference jan
05:03.0
Pag lease ang nakalagay jan
05:05.0
Kapag ang nakalagay jan Incombrance
05:07.0
Sa'yo yung property
05:09.0
Sa'yo yung sasakyan
05:11.6
Ibig sabihin
05:13.6
Kapag hindi ka
05:15.6
Natuloy magbayad
05:17.6
Pwedeng hatakin ang
05:19.6
bangko yan sa pamamagitan
05:21.6
ng pag-foreclose
05:23.6
ng sasakyan mo
05:25.6
So mga kabatas natin
05:27.6
Ang nangyayari
05:29.6
dito sa una
05:31.6
Hindi sa'yo
05:33.6
Hinihiram mo lang
05:35.6
Nangyayari dito
05:37.6
sa pangalawa Incombrance
05:39.6
Sa'yo yung sasakyan
05:41.6
Pero umutang ka para mabayaran ito
05:43.6
Tapos ginawa mong kolateral
05:45.6
yung sasakyan
05:47.6
na kapag hindi mo
05:49.6
binayaran
05:51.6
Mga kabatas natin
05:53.6
Eh, pwede nilang
05:55.6
Hatakin yung sasakyan
05:57.6
Through a foreclosure proceeding
06:01.6
Diba?
06:03.6
Kaya mali yung sinasabi nya dito
06:05.6
This is very misleading
06:07.6
Ito yung sasakyan
06:09.6
but the property is fully owned by the bank
06:11.6
8.1k likes and hearts
06:13.6
ito
06:15.6
It's wrong
06:17.6
Tandaan nyo mga kabatas natin
06:19.6
Whenever we look at ORCRs
06:21.6
Even titles of property
06:23.6
Kung sino yung nakapangalan
06:25.6
doon sya yung mayare
06:27.6
Regardless kung encumbered ito
06:29.6
o hindi
06:31.6
Huwag kayong maluloko sa gano'n
06:33.6
Okay?
06:35.6
Huwag kayong maluloko sa gano'n
06:37.6
Ngayon
06:39.6
Kapag matapos mo din
06:41.6
yung terms of payment mo
06:43.6
saka mo lang may papakancel yung incumbrance
06:45.6
at fully owned mo na yung sasakyan
06:47.6
Hindi, mali din
06:49.6
Kasi fully owned mo na yung sasakyan
06:51.6
kahit encumbered ito
06:53.6
Kapag natapos mo
06:55.6
yung iyong pagbabayad
06:57.6
may papakancel mo yung incumbrance
06:59.6
Pero you don't need to transfer the property
07:01.6
Gets?
07:03.6
Magkaibang magkaiba ito
07:05.6
Tignan niyo sinabi niya dito sa huli
07:07.6
Leasing and incumbrance is magkaibang term
07:09.6
Pero almost the same principle
07:11.6
No
07:13.6
Ownership alone magkaiba na sila
07:15.6
The idea is
07:17.6
hanggat hindi mo bayad yung sasakyan
07:19.6
still it is fully owned by the
07:21.6
financing institution na nag-approve
07:23.6
ng iyong car loan
07:25.6
No
07:27.6
Okay?
07:29.6
So for everyone kayo na nakabasa dito
07:31.6
Sana huwag kayong ma-mislead
07:33.6
Hindi naman nakabasa
07:35.6
Mas marami pa siguro nakabasa
07:37.6
Pero nag-react
07:39.6
Sana huwag kayong ma-mislead
07:41.6
So ngayon, ang tanong sa akin
07:43.6
Anong mas maganda?
07:45.6
Lease o kaya incumbrance
07:47.6
ang nakalagay doon sa ORCR mo
07:49.6
Sa CR mo, Certificate of Registration mo
07:51.6
Syempre, ang pinakamaganda dyan
07:53.6
Incumbrance
07:55.6
Bakit?
07:57.6
Pag nababayaran mo na lang yung sasakyan
07:59.6
Babayaran mo na lang yung monthly mo
08:01.6
Pag hindi mo nabayaran yung monthly mo
08:03.6
Pwede nilang hatakin yung sasakyan
08:05.6
Pero pag hatakin nilang yung sasakyan
08:07.6
Kailangan pa nilang mag-file ng kaso
08:09.6
Bakit?
08:11.6
You are the owner of the property
08:13.6
Why?
08:15.6
Because, mga kapatas natin
08:17.6
No person should be deprived of life, liberty, or property
08:19.6
without due process of law
08:21.6
Ngayon naman, mga kapatas natin
08:23.6
Punta tayo doon sa lease na ginagawa nila
08:25.6
Alam nyo, hindi nga ako payag dito
08:27.6
Nakita ko na ito
08:29.6
years ago pa
08:31.6
I find this
08:33.6
I find this
08:35.6
practice na ginagawa nila doon
08:37.6
lease, ang nilalagay nila doon
08:39.6
I find this practice
08:41.6
prejudicial sa mga buyers
08:43.6
ng sasakyan
08:45.6
Bakit? Bakit nila nilalagay na lease yan?
08:47.6
Kasi nga, mga kapatas natin
08:49.6
Kung lease ang nakalagay diyan
08:51.6
ang may-ari niyan
08:53.6
ang corporation
08:55.6
Ngayon, kapag hindi ka nakabayad
08:57.6
gagawin nilang condition yung hindi mo pagbayad
08:59.6
bilang
09:01.6
condition
09:03.6
para mag-possess
09:05.6
o hindi mo ma-possess yung property
09:07.6
Ngayon, anong ginagawa nila dyan?
09:09.6
Kapag kunwari
09:11.6
kapag kunwari
09:13.6
hindi ka nakabayad
09:15.6
tapos, lease lang yan
09:17.6
babawiin nila yung sasakyan
09:19.6
pag binabawiin nila yung sasakyan, ayaw mong
09:21.6
ibalik
09:23.6
ipapahat car nila yan
09:25.6
tapos hatakin nila yung sasakyan
09:27.6
kakasuha ka ng carnapping
09:29.6
bla bla bla bla
09:31.6
Kaya
09:33.6
pag ako sa inyo
09:35.6
huwag kayo doon sa leasing
09:37.6
Hindi tama yung sinasabi nila
09:39.6
dito ng leasing and incumbrances
09:41.6
magkaibang term pero almost the same principle
09:43.6
they are totally different principles
09:45.6
magkaiba yan
09:47.6
pag mag
09:49.6
mag financing kayo
09:51.6
siguraduhin nyo na
09:53.6
nakapangalan yung sasakyan sa inyo
09:55.6
yun lang ang sisiguraduhin nyo
09:57.6
huwag kayong pumayag sa leasing
09:59.6
okay
10:01.6
it's prejudicial to you
10:05.6
so pwede ba na
10:07.6
umalma if nakikita mo
10:09.6
yes huwag mong pirmahan
10:11.6
ito ang suggestion ko sa inyo
10:13.6
every time you will enter into a contract
10:15.6
you should read everything
10:17.6
alam nyo yung mga contract
10:19.6
contract of sale natin
10:21.6
contract of sale
10:23.6
deed of absolute sale
10:25.6
in relation to buying cars
10:27.6
tapos magpa finance
10:29.6
kung gagamit kayo ng ito
10:31.6
kunwari itong toyota financial services
10:33.6
make sure
10:35.6
na ipapangalan yung sasakyan sa inyo
10:37.6
because that is the safest way to go
10:39.6
okay
10:41.6
that's the safest way to go
10:43.6
bakit? kasi nga
10:45.6
kapag natapos yung bayaran nyo
10:47.6
kapag leasing lang ang nakalagay dyan
10:49.6
o lease ang nakalagay dyan
10:51.6
you need
10:53.6
the car manufacturer
10:55.6
or the corporation kung saan
10:57.6
yun ang may ari ng sasakyan
10:59.6
to transfer the property to you
11:01.6
through a deed of sale
11:03.6
doon lang magkakaroon ng ownership
11:05.6
on your part
11:07.6
otherwise, hiram lang yan
11:11.6
okay?
11:13.6
malinaw?
11:15.6
may questions ba ba?
11:19.6
sabi niya Ricol, other back din na
11:21.6
yes, totoo yan
11:23.6
may mga nakita ko
11:25.6
kasi may mga linapit sa akin na ganto na marami na actually
11:27.6
yung iba talaga
11:29.6
hindi nila ginagamit yung lease o leasing na yan
11:31.6
I think that's prejudicial
11:34.6
ikaw yung umutang
11:36.6
para bayaran yung sasakyan
11:38.6
ganito kasi ang principle mga kabatas natin yan
11:40.6
ang principle na yan
11:42.6
kung bakit yung sinasabi ko sa inyo na yung
11:44.6
leasing na yan o yung lease na yan
11:46.6
e prejudicial doon sa tao
11:48.6
na bumili ng sasakyan
11:50.6
kasi ikaw yung umutang ng
11:52.6
pambayad
11:54.6
binayaran mo na ng full yun
11:56.6
ngayon, babayaran mo na
11:58.6
monthly
12:00.6
plus interest
12:02.6
kasi nga umutang ka na sa
12:04.6
banko e o kaya sa financial services
12:06.6
na yan e
12:08.6
bakit nakapangalan pa rin sa kanila
12:10.6
e ikaw yung may utang
12:12.6
prejudicial diba?
12:14.6
dapat sayo na
12:16.6
kasi ang naging obligasyon mo na ngayon
12:18.6
ay hindi
12:20.6
yung obligasyon mo para bumili yung
12:22.6
binibilihin yung sasakyan
12:24.6
tapos na yung bilihan ng sasakyan
12:26.6
ang obligasyon mo ngayon
12:28.6
e nangutang ka
12:30.6
nakabili ka ng sasakyan
12:32.6
ngayon nakabili ka ng sasakyan
12:34.6
dapat yung sasakyan sayo na
12:38.6
diba?
12:40.6
gets nyo?
12:44.6
paano baya? bank loan?
12:46.6
ganon din yan
12:48.6
bank loan, ganon din
12:50.6
may mga banko din
12:52.6
na nakita ko na lease
12:54.6
ang nakalagay doon, huwag kayong pumayag
12:56.6
kasi nga
12:58.6
dapat sa inyo na yung
13:00.6
interest dyan
13:02.6
para sa inyo na yung property
13:04.6
sa inyo na yung sasakyan
13:06.6
tapos ngayon ang mangyayari pa
13:08.6
sa kanila pa rin yung sasakyan
13:10.6
kahit bayad nun na
13:12.6
at baon na kayo sa utang
13:14.6
na gets nyo ba yun?
13:16.6
dapat sa inyo na yung sasakyan
13:18.6
kasi nga baon na kayo sa utang
13:20.6
ngayon baon na kayo sa utang
13:22.6
pag leasing yan
13:24.6
baon na nga kayo sa utang
13:27.6
unfair
13:29.6
so sa mga balak bumili
13:31.6
ng sasakyan dito
13:33.6
that is very important
13:35.6
no, that is very important
13:37.6
yan
13:39.6
maraming salamat mga kapatid natin
13:41.6
at syempre
13:43.6
ah
13:45.6
sige last ito, contract to sell
13:47.6
and sale of contract potter, same po ba yun
13:49.6
ng deed of sale, hindi
13:51.6
ang contract to sell, hindi bentahan
13:53.6
yan, that is an agreement
13:55.6
to sell
13:57.6
okay, ang contract
13:59.6
ang contract of sale
14:01.6
or sale of, hindi sale of contract
14:03.6
contract of sale yan, o deed of sale
14:05.6
yun ang pareho, synonymous
14:07.6
siguraduhin nyo, pag gusto nyo
14:09.6
may transfer yung ownership sa inyo
14:11.6
deed of sale ang gagawin
14:13.6
ang contract to sell is not
14:15.6
a deed of sale
14:17.6
a contract to sell does not
14:19.6
transfer ownership
14:21.6
it is a mere agreement
14:23.6
usap lang ng dalawang tao yun
14:25.6
para magbentahan
14:27.6
and transfer of ownership
14:29.6
will be
14:31.6
done
14:33.6
gagawin yung transfer of ownership
14:35.6
after full payment
14:37.6
kapag fully paid ka na
14:39.6
huwag kang pumayag sa contract to sell
14:41.6
okay, dapat
14:43.6
deed of sale na
14:45.6
okay
14:47.6
deed of sale ang nagtatransfer
14:49.6
ng ownership, hindi contract to sell
14:51.6
okay
14:53.6
yan, maraming salamat
14:55.6
mga kabatas natin, at syempre
14:57.6
tulad ng lagi yung sinasabi
14:59.6
ito si Tim
15:01.6
wala pa, wala pa
15:03.6
eventually, maraming salamat po
15:05.6
at syempre tulad ng lagi yung sinasabi
15:07.6
matulog po tayo ng mayembing, dahil alam natin
15:09.6
na yung natutulog ng mayembing, siya yung lagi yung panalo
15:11.6
paalam po, pansamantala


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