TOTAL NG GASTOS AFTER 5 YEARS SA TOYOTA WIGO AT BYD SEAGULL

Five-Year Cost Comparison: Toyota Wigo J vs. BYD Seagull

The video estimates total ownership costs over five years, assuming each car is driven 100,000 km and financed with a 20% down payment. The result is close: the presenter says the Toyota Wigo J costs Php7,587 less, though the listed totals imply a difference of Php4,587.

Assumptions and Financing

• Toyota Wigo J: Php615,000 purchase price; Php123,000 down payment; Php492,000 loan.
• BYD Seagull: Php968,000 purchase price; Php193,600 down payment; Php774,400 loan.
• Assumed five-year add-on interest: 30.26%. The presenter notes that actual rates vary by lender, credit approval, and loan package.

Estimated total paid, including the down payment and interest:

• Wigo J: Php763,879; monthly payment of about Php10,681.
• Seagull: Php1,202,333; monthly payment of about Php16,812—approximately Php6,131 more per month.

Running and Ownership Costs

Energy Costs Over 100,000 km

• Wigo J: Assumed fuel economy of 15 km/L and gasoline price of Php80/L; estimated fuel cost of about Php533,333.
• Seagull: Assumed consumption of 11 kWh/100 km, including an allowance for charging losses, and electricity at Php14.7424/kWh (a Meralco rate cited for September); estimated charging cost of about Php162,166.
• Estimated Seagull energy-cost advantage: about Php371,167.

Insurance

Comprehensive insurance is estimated at Php20,000 per year for the Wigo and Php30,000 per year for the Seagull. That totals Php100,000 and Php150,000, respectively, over five years.

Maintenance, Tires, and Charger

• Wigo: 20 oil changes at Php3,000 each, plus Php4,000 for transmission oil; one tire set estimated at Php12,000. Total: Php76,000.
• Seagull: No engine oil changes are counted. A reduction-gearbox oil change is said to be due around 120,000–150,000 km, beyond the assumed distance. One tire set is estimated at Php18,000.
• Seagull home charger installation: Estimated at Php25,000.

Estimated Resale Values After Five Years

• Wigo: 50% of the original price, or Php307,500.
• Seagull: 40% of the original price, or Php387,200.

Estimated Net Five-Year Cost

Vehicle Costs Before Resale Estimated Resale Value Net Cost Toyota Wigo J Php1,473,212 Php307,500 Php1,165,712 BYD Seagull Php1,557,499 Php387,200 Php1,170,299

The Seagull’s lower estimated energy costs are largely offset by its higher financing, insurance, tire, and charger costs. The presenter concludes that the Wigo is cheaper by Php7,587, but subtracting the listed net costs gives a difference of Php4,587.

These figures are rough estimates. Actual costs can vary with fuel and electricity prices, driving conditions, insurance, financing, maintenance, and resale values. The comparison also excludes items such as brake pads, coolant, air-conditioning maintenance, and other scheduled servicing.

Assets and Instruments Mentioned

Toyota Wigo J, BYD Seagull, gasoline, electricity, and bank auto financing. No stock tickers, ETFs, bonds, or crypto assets are discussed.

Presenters and Sources

The presenters are Kuya Mikmik and Dami Mong Alam. The video cites a Meralco electricity rate but does not identify specific sources for the other estimates.