Gusto ko lang ishare ung experience ko sa pakikipagtransact sa mismong dealer ng Nissan. I went to checked for the car I wanted to buy and the salesman is quite nice and not pushy or ipagsiksikan ung mga nirrecommend na models. I was able to negotiate the price to lower down to atleast $3k of the asking price (well, I believed yung mga nakalagay na price dun sa papel na nakaattached sa vehicle ay much higher than their actual asking price kaya kunwari nagbibigay sila ng discount). So ok na, I'm quite satisfied sa pricing and it is within our budget. And then the salesman asked me to follow him inside so he can process the appilcation and have it signed by his superior. And then I was sent over to another person para naman daw sa explanation ng warranty and other things. Dito na nagsimula yung malaking pagkakamali ko. Since susunga sunga ako pagdating sa sasakyan, ok ako ng ok sa mga inooffer na add ons. Iniisip ko kc parang practical nga naman, offeran ako ng extended warranty, tinted windows, premium protection for interior and exterior of vehicles....for every add ons na inooffer sakin, I always ask the lady of the price that we're looking at. And she would say well, its only about $8-10 more in your monthly repayment. And after the summary, she said so you will only add approx. around $30 a month. So sa isip ko, not bad na and it wont hurt my pocket any further. At tinanong ko pa pala na hindi un dapat ipapatong sa principal amount ng car ko kc nga magiinterest pa yun. And the girl replied, well we can work it out in your financial application. I was really stupid that day and parang nablangko na lang isip ko. So eto na, pagbalik ng babae, dala na nya yung print out ng total cost, at boom! It's way way higher than what I expected. Since wala nga ako alam sa mga transaction na ganun, at ang nasa isip ko that time ay, for approval pa lang naman, ayun pumirma ako.
Yung interest rate pala ng loan ay di rin nila maibigay sakin kasi daw for approval pa yun at dpende pa raw sa financier. And since wla pa raw ako credit history, baka raw umabot ng 11%. So I said it's way higher than with the bank. Gagawan daw nila ng paraan na mapababa and the lady kept on asking me about the monthly repayment na kaya ko. Ang malaking pagkakamali ko talaga ay pumirma ako sa "Contract to Purchase form."
When I left the store, I was a bit shocked and realized I dont need all those add ons. Since I signed the "Contract to Purchase form," pwede ko pa kaya ipacancel yung mga add ons? By next week pa daw malalaman ung approval ng financing ko. Nagdeposit din pala ako ng $1k, wala naman akong intention to cancel everything as I'm happy with the vehicle itself. Yung mga add ons lang talaga, and probably yung financing nila. I'm planning to head straight to the bank instead of availing thei in-house financing.