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00:00.0
In other words, wala kang sakit ng ulo. Hindi ka mai-stress.
00:04.0
Mga Php 50,000, Php 70,000. May sasakyan ka na.
00:09.0
May monthly stress pa rin yan. May monthly stress. Lalo na kung may pecha de peligro.
00:22.0
May plano ko bang bumili ng sarili mong sasakyan?
00:26.0
Kung gusto mong malaman kung anong tamang desisyon at diskarte,
00:30.0
you got to finish this video.
00:32.0
Hi there! This is Chinky Tan, your Pambansang World Coach.
00:35.0
Thank you very much for tuning in to this channel.
00:37.0
This is a channel of mga Paondad at Payaman.
00:39.0
Kaya kung di ka pa nakasubscribe, alam na dis.
00:41.0
Alam mo, marami pong mga tao na gustong bumili ng sariling sasakyan,
00:44.0
mga motol, pero minsan naguguluan.
00:46.0
Ano? Uutangin ko ba? Kakayanin ko ba? Or ikakash ko na lang siya?
00:50.0
Alam mo ano ba yung mas tamang talagang desisyon?
00:52.0
Kumuha ng tamang information and the best way talaga to get the information
00:56.0
is to let us weigh the pros and the cons.
00:59.0
Unahin mo na natin sa pagbabayad ng cash.
01:02.0
Pag nagbayad ka kasi ng cash, wala kang talagang monthly loan.
01:06.0
In other words, wala kang sakit ng ulo, hindi ka may stress.
01:09.0
Number 2, walang interest na charges.
01:11.0
At the same time, ikaw na talaga ang nag-may may-ari ng sasakyan yan.
01:15.0
At the same time, you can choose.
01:17.0
Pero, if you are talking about monthly loans,
01:20.0
walang nag-may may-ari ng sasakyan yan. As simple as that.
01:23.0
Ano naman po ang cons?
01:24.0
Ang cons naman, syempre, pagka kinash mo, maubos yung reserve mo.
01:29.0
At sana naman, wag mo gamitin ang emergency fund mo.
01:32.0
Another, syempre, dapat minsan meron kang cash na pwede mong inegosyo,
01:38.0
i-invest, ngayon, naipit na sa sakyan.
01:41.0
At tatandaan, depende yung sasakyan.
01:44.0
Yung sasakyan ba pinaninegosyo mo,
01:46.0
o yung sasakyan ba pinagagamit mo lang personal.
01:49.0
Pag personal lang yan, non-yielding yan.
01:51.0
So, it's a dead asset.
01:52.0
Nakakatipid ka lang sa transportation, sa convenience.
01:55.0
Pero, pag naipit yung pera mo, na instead na negosyo sa sakyan,
01:59.0
Ako, patay yan. Patay na pera yan.
02:01.0
At hindi lang yan.
02:02.0
Tatandaan din po natin,
02:04.0
ang mga sasakyan ay bumababa po ang halaga ng almost 10 to 20% interest per annum.
02:11.0
So, nababawasan po ang halaga.
02:13.0
So, right now, para sa mga tao naman,
02:15.0
sinasabi, I'm considering to take a loan.
02:18.0
Ang pros niyan, siyempre, number one,
02:20.0
at a very low cost,
02:22.0
meron ka ng sariling sasakyan.
02:23.0
Alam mo, may all-man nakikita, e.
02:25.0
Mga, ano na, kasama ng shuttle, mortgage, insurance.
02:28.0
Tapos, yung down payment mo lang, o.
02:30.0
Mga Php50,000, Php70,000.
02:32.0
May sasakyan ka na.
02:34.0
At the same time, number two,
02:35.0
mapapreserve mo yung cash.
02:37.0
Kung kailangan mo yung cash for other purposes,
02:39.0
diba, like, pang ninegosyo, pang i-invest,
02:42.0
pwede mo siyang magamit.
02:43.0
And then, nagagandahan din siya sa utang,
02:45.0
sa utang, nabibuild mo rin yung tinutawag na credit ratings mo,
02:48.0
or credit history.
02:49.0
So, ang mangyayari po niyan,
02:51.0
eh, pagka ikaw ay faithful payer,
02:53.0
in the near future, kung ikaw ay mangutang,
02:55.0
mas mataas ang chance na ma-approve
02:59.0
dahil nga, napakita mo,
03:00.0
you have a good credit standing,
03:01.0
or tinatawag nilang credit score.
03:03.0
And then, ano naman po ang cons
03:07.0
ng amortisasyon ng motor o sasakyan?
03:09.0
Siyempre, number one,
03:11.0
may tinatawag tayong interest.
03:13.0
And FYI, no, just to give you a perspective,
03:16.0
pag bumili kayo lalo ng sasakyan,
03:18.0
magkano ka ba kalaki ang interest?
03:20.0
Like, for example,
03:22.0
ang sasakyan mo, 1.2 million.
03:24.0
Pag bibilin mo siya ng cash ngayon,
03:26.0
pero, after five years,
03:28.0
more or less five years,
03:30.0
papalo na yan ng mga 1.7 million,
03:33.0
So, may interest payment po tayo,
03:35.0
that's number one.
03:36.0
Number two, five years commitment yan.
03:39.0
Pag sa motor, I think, two years.
03:40.0
Two years commitment yan.
03:42.0
Ang pag-pray natin,
03:43.0
na consistent po ang income natin,
03:44.0
na consistent ang trabaho po natin.
03:46.0
Huwag naman po sana,
03:47.0
just in case na mawala,
03:49.0
ang next question,
03:50.0
may plan B ka ba?
03:51.0
Saan mo kukunin ang pambayad?
03:53.0
And then, siyempre,
03:54.0
ang cons din po siya,
03:55.0
may monthly stress pa rin yan.
03:57.0
May monthly stress,
04:00.0
at may nagamit po natin
04:01.0
ang ating pera sa ibang bagay.
04:03.0
So, yan po ang pros and cons.
04:07.0
ang pagbabayad po natin ng cash,
04:09.0
kailangan po, siyempre,
04:10.0
maganda ang iyong cash flow.
04:11.0
Sobra-sobra ang iyong pera.
04:14.0
At the same time,
04:17.0
kasi wala ka nang aalahanin.
04:20.0
anong chance naman
04:21.0
ikaw ay makapag-loan,
04:23.0
kailangan ialamin din po natin
04:24.0
kung meron kayong kakayanan
04:28.0
kaya't gusto mo mang utang,
04:29.0
eh, pagbibigyan ka na,
04:31.0
papakita yung payslip,
04:32.0
regular income mo.
04:33.0
Kaya mo bang bayaran?
04:34.0
Kasi may percentage pong sila binibilang,
04:37.0
based on the income
04:38.0
versus the percentage.
04:41.0
the monthly amortization?
04:43.0
after all of this
04:44.0
has been already considered,
04:45.0
anong disisyon mo?
04:53.0
ang makakapag-design pa rin,
04:54.0
ikaw at yung iyong budget.
04:57.0
If the budget allows you
04:59.0
to pay it in cash,
05:03.0
At meron ka pang excess,
05:04.0
hindi ka masisira.
05:07.0
check mo na rin talaga
05:08.0
kung kakayanin mo talaga
05:09.0
yung monthly amortization
05:10.0
kung gusto mo mag-monthly.
05:14.0
para hindi ka rin mahirapan,
05:15.0
mag-research ka na rin.
05:19.0
ang interest rate?
05:21.0
ang repayment terms?
05:23.0
Sulat nyo ito ha,
05:26.0
kung kayo po ay na-delay,
05:30.0
ilang po ang panugit
05:31.0
ng kanilang buwan
05:32.0
na pwede ka mag-delay
05:37.0
And pag-aralan mo muna
05:39.0
na mga decision na ito,
05:40.0
itong mga options na ito,
05:45.0
bibiling ko ba ito
05:47.0
o bibiling ko ito
05:50.0
ay naliwunagan na po kayo
05:51.0
at nakatulong po ako sa inyo
05:53.0
sa episode na ito.
05:54.0
At kung nakatulong
05:55.0
naman po ako sa inyo,
05:57.0
sa comment section
06:00.0
kung meron kayong gustong
06:01.0
ipareview po sa atin,
06:02.0
naguguluhan kayo,
06:04.0
gawin sa decision nyo?
06:07.0
and let me help you
06:10.0
masamang magtanong,
06:13.0
magtype na lang kayo
06:14.0
sa comment section
06:15.0
kung anong gusto nyo
06:16.0
ang pag-aralan ko sa sunod
06:17.0
para maliwanagan po kayo.
06:19.0
last, do me a favor,
06:20.0
please share this video
06:21.0
sa mga friends nyo
06:23.0
makatulong din sala,
06:24.0
lalo na sa mga taong
06:25.0
nagbabalak pa lang
06:30.0
tamang karunungan,
06:32.0
ang susi po sa pagyangan.
06:33.0
Thank you for watching!
