TOYOTA CAR: LEASE VS. ENCUMBRANCE
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- Опубликовано: 5 сен 2024
- TOYOTA CAR: LEASE VS. ENCUMBRANCE
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Loud and clear, this is the simplest explanation na nakita ko in particular sa Lease & Encumbrance. new comer langa ko sa channel mo Atty., pero sulit kada video. you rock
galing ng video na to eye opener sa pag kuha ng sasakyan kudos sayo atty.
Atty Libayan ang ginagawa ni Toyota pag hindi mo nahulugan o delay yan dinodoctor nila pag ffile ng case sa court like yung ippadala na notice ni court sa nag nag lease meron ibang tao nag rereceive in behalf dun sa nag lease.Based po sa experience namin.
Atty Libayan, very clear Yung explanation. Di kaya ito misleading on the part of buyer, because from the very beginning you want to BUY a Car and not renting a car.
Naka lease ako nun fully aware ako na naka lease kasi may business ako and tax shelter sya. And pati gas, maintenance ng sasakyan etc. tax shelter kasi ginagamit mo sya sa business. Five (5) years ang contract, after 5 years may natira pang dapat bayaran. Either bayaran mo and sa yo na kotse or ibalik mo yung kotse. Pag ibalik mo babayaran ka ng car dealer. Ang kagandahan sa lease tax shelter sya pag may negosyo ka.
Customers who want to try different brands and models of cars can lease them for two to four years and then lease another brand or model of car. This is one of the advantages of leasing.
Galing talaga ni Atty. Knowledge gained ulit! ❤
Salamat atty,may bago na naman kming nalaman 😊
Thanks atty malaking bagay po na kaalaman regarding sa auto loan.
Very informative atty. dapat ito ang may investigation in aid of legislation para makapag draft ng batas tungkol sa fairness nito at mawala ang prejudicial sa mga mangungutang.
Grabe!
I learned so much Atty. Bgla akong napatingin sa papers ng sasakyan ko.
Maraming maraming salamat po.
May natutunan naman ako salamat atty....
May lease-to-own dito sa US. Di ko lang alam diyan. May advantage din naman ang leasing. Marami dito every few years wants new cars. Usually at least 2 years. Pero kung nagustuhan mo ung car, u can continue to fully pay it. Disadvantage lamg ata eh you are locked in sa mas mataas na presyo compare if u intended to buy it the first time.
Thanks atty R. Libayan. Marami ako natutunan tungkol dito sa topic. Salamat
Gantong gusto Kong topics.. may bago Ako natutunan.. good job Attorney
Thanks i learned a lot today❤❤
Thank you po Atty. Libayan 🎉
Thank you attorney for the info
Kung Lease agreement pabor yon sa kumpanya…Kasi kung hindi ka makabayad within 3 months pwede na yon kukunin sa yo ang vehicle na ni lease mo…. Iba kasi kung sa banko ang nag finance sa vehicle mo naka pangalan sa yo ang vehicle mo pero naka chattle mortgage yon may encumbrance yon sa CR at naka register yon sa Register if Deeds.Chatell Mortgage. Kung
hindi ka makabayad sa monthly amortization mag apply ang banko ng foreclosure sa Vehicle mo sa Korte …. At may order ang korte sa sheriff na kukunin yong vehicle … So malaki ang gastos sa banko bayad pa sila ng abogado sheriff at sa korte filing fee…. Si sa leasing makatipid sila am l right Atty. Libayan?
Encumbrance, meaning sayo yung property pero naka sangla siya (mortgaged) sa financing institution. Fully owned mo yung sasakyan pero ginamit mo as collateral para maisangla.
TFS is a finance lease, pag natapos na ang monthly rental sayo na yung property without cost. Kasi minsan sa finance lease pwede nilang bilhin (ni toyota) ang sasakyan after the term according to its Fair market value. Or i turn over sa owner (without cost)
Bregud Atty!!Apaka linaw ng explanation nyo👏🏻👏🏻👏🏻👏🏻
Dati po ako sa banko, usually we advice to client before the lease if for business ang used nila (specially sa trucks and heavy equipments) kasi d mag rereflect sa Financial Statement as Asset, but rather as expense which is deductible sa income nila na magagamit for tax purposes. Which most of them love the idea nman.
Thank you atty.libayan may natutunan na nmn ako today
sa lease Hindi bayad ang sasakyan. Hindi umutang ang customer o leasee. Nagbabayad sya monthly as rental fee. Normally, after the term May option ang customer either bilhin nya sasakyan by paying the residual value ng sasakyan OR give up nya ang sasakyan
Sa U.S. lease and purchase financing is 2 different things. Lease monthly is less and after end of term from 24 to 60 months balik sa banko and kotse. Purchase pag paid off ang total amount you get the title. Im sure lease pareho sa u.s. and pinas. Your info could be wrong about lease.
If your lease is up and there is balance. You can pay that balance in order to get the title.
sa japan me advantage ang lease walang tax,me maintenance na libre at d na kailangang i (shaken)overhaul na gagastos ka ng 15 lapad after 5yrs.kung gusto mo ng palitan agad ng brand new uli pwede
Thank you po Atty. Libayan. 😊
Thank you Atty dami ko po natutunan sa inyo
Contract of Sale VS Contract to Sell
Dito sa Oz, meron tinatawag na "novated lease" na tinatawag. You'll be paying monthly, at yung company ka saan nag lease ang bahala magbayad sa lahat (fuel, maintenance, insurance). Puede mo pa sya I apply as tax deduction. Pero after ng contract, yun car is not yours, pero may option ka to buy the car on what would be the cars market price pag dating nung panahon. Meron syang advantage at dis advantage
actually it happen in some of the corporations here in the phils. and applied the credit lines approved by the bank. These car's are usually used by the executives and managers and deduct to their salaries.
Nice atty! Shout out from mitsubishi Philippines. Alam na po 😉 na mas maganda ang sa Amin hehe
Encumbrance po Kami .😊 shout out po. Thanks po SA Info ❤
Nakakamiss ganitong mga content mo atty
Maganda pakinggan pag walang tulfo ang content.
Thank you Atty. well explained 👍
Salamat po atty.
tagal ko na inaantay merch. mo atty.
From Row 4, Present✋️
Salamat po Atty...
atty yung sa tfs na leasing finance lease sya.hindi sya operating lease. kaya preferred transaction sya kasi mas mababa ang fees upfront.compared to regular financing which requires you to pay chattel mortgage fees.
at the end of the term, tfs will issue a deed of sale in your favor.
Salamat atty.
Salamat atty..more powers
salamat sa info atty
Hello present attorney 😊
Lease usually 2 yrs lang yata..depends sa tinakbo ng car dun yata kuwentahin ang bbyaran
first time car owner ako 4 years ago, buti hindi ko naranasan yan. Wala pa nman ako alam sa ganyan
Thanx i learned a lot
Bago po bumibili ng sasakyan eh naiintindihan nyo pinipirmahan nyo...yung lease may certain number of years na ililease or rent mo sasakyan..halimbawa 2 yrs, after 2 yrs kelangan mo ibalik..or pwede lease to own, kaya lang mas mapapamahal kayo kesa yung ilo-loan or ipapa finance mo...at kadalasan ang lease may limit pa sa mileage.
Thank u Atty😊
I don't know the system in the Phil. Kasi pag lease rental lang yan but kasama na rin ang car insurance kasi sa Japan need may insurance ang mga car dito . Magastos ang may sasakyan dito . Kaya lang ang maganda sa lease puede kang magpalit ng car yearly kung gusto mo . Saka bef you can buy a car you had to have your own parking lot kung wala naman mag rent ka ng parking close to your house . Hindi ka basta makakabili ng car dito kasi pag wala kang parking , that is one of the requirement here . Chinicheck pa ng police ang parking mo at kailangan may drawing pa yon .Ndi ka pag bibilan ng car dito pag wala kang parking. Not like sa Pinas na pede kang mag park sa karsada or close to your house . Pag nakitang naka park ang car mo dito sa daan around 30 minutes may seal na ididikit sa car mo . May penalty ka na ma minus pa ang license mo. Kasi dito may minus ang license up to 6 points to revoke your license . Very strick dito . Kaya ako talagang careful na careful kaya thanks God at gold ang license ko .
Meron ka nga parking sa bahay mo paano Yung pupuntahan mo na establishment walang parking saan mo ngayon ilagay sasakyan mo?
@@samdim3746 Sa Japan naman karamihan may parking kahit saan ka pumunta kasi importante ang parking . Any establishment may parking po dito. Pag mag rerent ka ng apartment may mga parking din po . Pag wala kang parking you can't buy your own car , kasi nga yan ang impt requirement if you want to buy a car . Thanks po sa question .
@@mestizangbangus4884 yun mga binigay mo na pangyayari ay base lahat sa Japan but dito sa Pinas hindi ganun mga restaurant sa tabing kalsada walang parking, mga carienderia sa tabi ng kalsada walang parking kasi negosyo niya maliit lang pang tatlong table lang ngayon ang taxi driver kakain dyan walang parking, pero sa company ng taxi operator maraming parking cla doon. So hulihin mga driver kumakain sa tabi ng kalsada na carienderia.
Interesting. Kung ang sasakyan ay "leased" kapag nag in-house financing ka, bakit ikaw ang responsable sa pagbayad nang upkeep nung sasakyan? Diba kung ikaw ay nag lease nang bahay yung landlord ang responsable pa din sa upkeep nung bahay?
Wear and tear is a responsibility ng gumagamit. Kasi pag ibinalik ang car na nakalease they check for scratches and other issues. I-charge sa nag lease at the end of the term. Kaya dapat get a full insurance coverage, let the insurance pay for damages. And depende din sa mileage na agreed sa contract. But may option to buy the car after if you want to keep it or just get another one. As far as I was told about leasing
Ung financed by Toyota financial na sasakyan na inilabas ng hubby ko lease dn pero nakapangalan sa hubby ko. Hawak ng toyota original to be released after fully paid ang car.
Feeling ko Atty. kaya naka leased yung status nyan para mas less hassle sa side ni Toyota incase maging deficit yung buyer hindi na mag fa file ng case si Toyota for foreclosure. Mautak din tong si Toyota
Atty. Tama ba na ang naka bangga ang gagawa ng desisyon or agreement about SPA pero hindi nman sila ang Owner
Atty I believe that hindi mo nabangit na importante rin to consider kung ano ang purpose mo sa pagbili nang vehicle. For example, if the car is for business or work, then perhaps it is best to lease the car for tax purposes. And select the other if for personal use.
Yan pwd atty.libayan dapat ganyan.
Uso n din rent to own sa kotse
Paano yung mga motorcycle na walang lease or encumbered na nakalagay attorney? Parang pinapalabas ng bank na cash mo binayaran yung motor para mas maliit ang tax. Yun yung tinatawag na talon casa kasi hindi na mabawi ng bank yung motor kasi walang nakalagay na bank name sa encumbered
Atty. Siguraduhin naman na ninyo yung merch. Mag aallocate ako ng budget ko para jan kasi. Hehehe
Yun may natutunan n nmn akong bago 🙂
Replay lang
Maiintindihan kaya ng mga Tulponats?
Atty. Paano po nakapag signed na ng contract husband ko sa Toyota finance . Now Lang ako naging aware sa contract, leased at Naka name sa cr yunh Toyota . Pwde Pa ba kami mag Habol na mabago ipa under sa husband ? One year na po hinuhulugan
paano po pag naka lagay sa or cr ay TFSPH LSD TO: Juan tamad
leasing parin ba?
tama si atty... kinuwestyon ko na din tfs dyan bakit may "leased to" .. ngaun sakit sa ulo mag pa change ownership, pabalik balik pa lto at pnp...
Leased din sa akin anu ba sinabi Ng Tfs bakit leased
@@Johnjohn_Tolentino ganun lang talaga siguro ang tfs, late ko na din nalaman yang gawain ng tfs. dunsa isang otto ko sa ucpb ok naman, pero itong tfs sablay. wag na lang kayo mag tfs.. tapos ang tagal tagal pa bago mo makuha cancellation of mortgage mo! 1-3 months kahit fully paid mo na!
@@the_10thman grabe naman Yan ang laki ng interest sa akin nagulat nga ako bakit leased yung nakalagay sa OR ÇR ko
Good evening sir Tanong lang po Nung po ba nabayaran nyo after 5 yrs eh nag deed of sale p po kayo ng tfs at may binayaran pa kayo?
@@NINONGJovlog wala na akong binayaran, ang inexecute na lang nila ay ung cancellation of mortgage, meron na ding deed of sale. pero un nga ipapatanggal mo pa sa lto ung "leased to" sa certificate of registration. tapos ang tagal nung authorization letter request na ibibigay mo sa hpg para lang ma-stencil nila ung otto mo. may ganun pa pala.
Good day Atty. Libayan sana masagot po, nakabili po ako ng 2nd hand na sasakyan unaware po ako sa encumbrance/encumbered that time sa certificate of registration kasama po sa documents ang cancellation of mortgage, promissory note and ID ng owner. Now gusto ko na pong ibenta yung sasakyan, pwede po ba na yung makakabili ang mag ayos ng transfer or ownership or need pa si first owner to process? Thank you po.
Atty Tanung lang po yung sa Pagibig Housing Loan diba po nasayo bahay pero wala kang Title ang meron ka lang Loan contract kay Pagibig and pag tapos ng Loan tsaka ka lang magkaroon title so hindi paden sayo naka name bahay
Ganun pala yun... 👌
sana maging available din sa lazada yung merch 🤞
Juicy lessons atty!
Ung undergrad ka pero sa pakikinig dito kay Atty. kahit papano may nailalaman sa aking magandang brain🤪😊😁
Hi
Marketing strategy
Just a question, yung leasing term namin sa Toyota ay 60 months or 5 years. Wala naman nakalagay na mileage limit sa contract. Kapag ba natapos na yung term, ibabalik ba sa Toyota yung sasakyan tapos dun lang magpoprose ng lease buyout o parang rent-to-own sya na afte the term ends, wala ng lease buyout, at ibibigay ng Toyota ang deed of ownership pag nakumpleto na yung lease term?
If business purposes, Go lease kase may tax advantage Yan I forgot the term. Pero if personal go encumbered.
Rent to own parang sa house and lot
Paano yan pag lease nakalagay sa orcr naka leased..tulad sa bank may encumbered sa orcr
Paano kung naka lease na po ang sasakyan and nagkaron ng missed payment? Then ayaw ko ibalik sasakyan pero nagpapartial payment naman ako
sir what if s OR CR nk name skin? dko n kc marecall kung leased cya s contract,
thru Bank P.O ang purchase ko ng unit atty.
thank you...
Atty Libayan: "kasalanan ni atty magalong talaga yan eh (about sa merch)."
Atty Magalong: 💅💅💅
Hahaha
Encumbered pag sa bank financing
Atty kung naka pangalan na sa nag loan and yet sa baba nun naka indicate na Lease: TFS ( toyota financial Services) anu implications?
atty saan makakabili ng tshirt mo na olright copy right heheh!
Atty. Ngayon ko lang napakinggan tong video mo kakalabas lang din ng sasakyan ko na toyota tapos leased din nakalagay. Ano po kaya ang dapat gawin? May habol po kaya ako dito kapag nabayaran na po ng buo ang sasakyan? Maraming salamat po.
Tanong ko lang po Atty. Ano po pwede namin gawin sa sobrang tagal na po ng claim namin sa insurance ay hindi pa po narerelease? Almost 3 months na po. At hindi marelease ng casa yung sasakyan namin dahil hindi pa ngbabayad ang Insurance company po ay Connext / Etiqa.
Atty yun pong hire purchase ano po ibig sabihin?
mga kabatas and atty., question lang about dun sa need muna nila magkaso bago hatakin yung sasakyan, same applies po ba sa motortrade (and other motor company) pag hahatakin na nila yung motor? sa kapatid ko po kase parang hindi na kase sila nag file ng kaso bago hatakin yung motor. Or hindi na sila nag file ng kaso para walang hassle sa both sides? alam ko kase yung OR/CR nakapangalan sa kapatid ko e. Salamat sa sasagot
Atty.pano po kun wala naka indicate kun naka lease or naka emcumbered yung car na nabili namin? Brand new po under in house financing? Sana po mapansin kasi nagworried na po kami😔 Thanks po.
Pano kung nakalagay leased tapos na accident who is liable ? The owner who loaned the collateral or the company who leased the property?
General rule, kung sino nagmaneho ay siya ang liable. Pero meron tayong Registered-Owner Rule. Kung hindi nakilala ang driver at the time of the incident, pwedeng maging liable ang owner ng sasakyan subject to reimbursement by the "actual driver" thru Crossclaim or 3rd party complaint.
Atty. May tanong ako. What if nag file nag bankruptcy yung banko? Liable parin ba ako magbayad?
just commenting cause I think I've met you with Ninong Benjie many years ago at Sentro. You do notary at Taguig near city hall right? I seem to have your number on my phone.
Bakit po ina allow po na may ganun batas po? Kawawa po yung mga inosente po.....
Bagong kontrata ba pag katapos ng lease dhil bibilhin mona or tunaw na renta iba ang bilihan?
Paano pagka tapos ng lease ayaw niya ebenta ang sasakyan kasi nga Sabi option lang na bibilhin.
Lease Agreement vs. Installment Sale Agreement: In a lease agreement, the ownership of the property usually remains with the seller or lessor, and the buyer or lessee makes periodic payments to use the property. At the end of the lease term, the buyer typically has the option to purchase the property for a predetermined price. In an installment sale agreement, the buyer takes ownership of the property immediately but agrees to make payments over time. It's important to accurately describe whether the arrangement is a lease or an installment sale in the contract to reflect the true nature of the transaction... Title and Ownership: If ownership of the property transfers immediately to the buyer, then describing the arrangement as an "installment sale" might be more accurate than calling it a "lease." However, if ownership remains with the seller and the buyer is essentially renting the property with an option to purchase, then using the term "lease" might be appropriate. ( the option to purchase while renting it for a period of time ay hindi tugma sa pagbibili nang sasakyan sa Financing. ) dapat talaga naka pangalan sayo at hindi lease.
In other words mas pabor/advantageous sa buyer ang encumbrance ky sa lease kasi nkapangalan na sa 'yo ang car & all you have to do is pay the monthly amortization & when fully paid all the original docs will be turned over to you & thats it. But for lease, sa una palang hindi nkapangalan sa 'yo ang car pro nagbayad ka monthly amort & when fully paid may gagawin pang dead of sale kasi parang nag rent ka lng sa car.
@@FlorenciaRusiana-jq8xc tama.. nakuha mo
TFS is a finance lease, pag natapos na ang monthly rental sayo na yung property without cost. Kasi minsan sa finance lease pwede nilang bilhin (ni toyota) ang sasakyan after the term according to its Fair market value. Or i turn over sa owner (without cost)
👍
same ang effect kung di ka makabayad atty?
*mawala sayo ang sasakyan
*pwede kang kasuhan ng carnapping pag tumanggi ka
❤
Batas Natin Cap🧢
lease talaga sa TFS.
❤❤❤
Rent to own ba yan, Atty.?
Para hindi ka ka manloko ng kapwa mo eh hindi ka pa bayqd ibebenta mo ang sasakyan😅😂😂😂
Since ngtuturo ka sa amin Atty., pwede po ba na sabihin namin sa casa na "according to our atty. (Atty. Libayan) etc..."?
Pwede mo naman sabihin yun pero kung sagotin ka rin ni Toyota na doon ka nalang umutang ng sasakyan sa atty mo.