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00:00.0
Una para sa akin ang top 1 po dyan ay land banking.
00:04.0
So dito sa land banking, we purchase land with the intention of holding this for a long period of time
00:11.0
before selling it for profit.
00:13.0
So ito ay binibili mo tapos hindi mo muna ibibenta.
00:18.0
Mag-aantay ka ng medyo matagal na panahon at saka mo siya ipagbibili.
00:22.0
Ang mga magulang ko po ay ganyan ang kanilang nangyari sa kanila.
00:27.0
So marami silang datong ngayon kasi ngayon sila nagbibenta na ng kanilang sangkalupaan.
00:33.0
Just to give you an example, they bought a lot in 1987, I think, and they bought it for Php20,000.
00:42.0
This is a lot na parang ano lang siya, nasa 2,400 square meters.
00:49.0
And they were able to sell it at around Php3.4 million.
00:55.0
Oo diba, yun yung land banking.
00:59.0
And when I calculated the internal rate of return, nasa 14% to 19% per annum yung kanilang return because of that.
01:08.0
But the warning there is talaga namang napakatagal ang kanilang inantay.
01:15.0
1987, ano na po ngayon, 2024.
01:19.0
So matagal na panahon yun talaga.
01:21.0
Okay, so how to do, what you need to know for when you want to enter land banking.
01:27.0
So long term usually, yung ating pinidignan dito, usually 10 years.
01:32.0
Yung time frame natin kapag tayo ay nag la-land banking.
01:38.0
And inaantay natin na mag-appreciate yung value nito but it really will take a while.
01:44.0
And it also takes a while to liquidate.
01:47.0
Hindi po basta-basta ang magbenta ng lupa.
01:50.0
Yan yung tatandaan natin.
01:52.0
Hindi yan katulad ng lugaw, nalituin mo ngayon, pwede mo nang i-benta agad.
01:57.0
Ang lupa po, nako, ang haba ng proseso.
02:01.0
May mga binili nga po akong lupa noong 2020 pa, 2021.
02:06.0
Hanggang ngayon ay pinoproseso pa namin ang papeles.
02:09.0
Dahil ang kailangang pumirma lahat ng mga kamag-anak at related na mga heirs noong may lupa.
02:19.0
Kasi nasa lolo pa nila yung titulo, mga ganyan-ganyan.
02:21.0
So medyo masalimood siya.
02:23.0
At syempre, dahil sa laki ng amount ng kailangang bitawan pag tayo ay bibili ng lupa,
02:30.0
talaga namang hindi ito madaling i-benta kasi not a lot of people have cold cash.
02:36.0
So yan, secure din ito because it's hardly perishable.
02:41.0
Hindi yan nasusunog, hindi yan nawawala except kapag ito ay nasa mga hazard zones.
02:47.0
Nandito po ako sa Rosario ngayon.
02:49.0
At meron akong isang member na nakapag-claim ng ating damayan o dayong.
02:56.0
At nabigyan natin siya ng P5,000 dahil naanod ang kanyang bahay.
03:00.0
So sabi ko, numpul na tayo dyan sa mga hazard prone areas.
03:04.0
Kasi kahit na real estate yan, kung naaanod ka naman, lubuglitaw yung lupa.
03:10.0
Hindi rin siya ganoon ka-productive or ka-secure.
03:14.0
At mataas ang ating upfront amount natin dito kasi kailangan natin siyang bilhin usually in cash.
03:23.0
Very rare yung nakikita ko na bilhan ng lupa na hulug-hulugan.
03:27.0
At kapag hulug-hulugan pa, maraming mga nagkakaproblema dyan.
03:31.0
Okay, paano tayo magla land bank?
03:35.0
So the first one is we have to identify the areas where land values are expected to appreciate.
03:42.0
Pero sa totoo lang, mahirap itong gawin.
03:44.0
Kasi ako nga sinasabi ko sa mga magulang ko,
03:47.0
Totoo ba? Magiging million-million ba yan?
03:50.0
Eh, napaka nasa mga liblib-liblib na lugar.
03:53.0
Pero meron talagang ganoon eh that you really learn and understand na
03:58.0
you just think that this property will appreciate in value over time.
04:02.0
So there's a bit of uncertainty there pero kailangan mong magtanong-tanong
04:07.0
and you really have to do your market research to do it.
04:10.0
Ako as for me, I really don't do land banking.
04:13.0
Ang ginagawa ko, land banking na long term.
04:16.0
Kasi I do land banking for development, for our socialized housing.
04:21.0
Pero ang gagawin ko doon, magtitira ako ng iba.
04:24.0
Kunwari, nakabili ako ng five hectares.
04:26.0
Ide-develop natin yung four hectares.
04:29.0
Yung one hectare, ititira ko for land banking.
04:34.0
So ide-develop natin yung apat na hektarya.
04:36.0
Pag tumastas na yung presyo, pag binenta natin yung one hectare,
04:40.0
tiba-tiba na tayo doon kasi na-develop na yung four hectares,
04:43.0
mataas na yung property values.
04:46.0
Naintindihan nila kung bakit for advanced investors ang land banking.
04:54.0
You also have to understand zoning laws.
04:56.0
Kasi may mga agricultural land, may residential, may commercial.
05:01.0
You have to understand ano yung gamit ng lupa na yan.
05:04.0
And look for undervalued properties.
05:07.0
Get to know the lukas.
05:09.0
In my experience, mas mataas ang property
05:13.0
at mas abot kaya ang property valuations in rural areas compared sa urban areas.
05:19.0
May mga properties akong nabili sa urban areas
05:22.0
na talaga namang parang taong-taong ko talagang pinag-ipunan
05:26.0
pero hindi ganoon kalaki yung appreciation niya
05:29.0
compared to sa mga properties na nabili ko in rural areas.
05:34.0
And ang isang key dito para makilala mo talaga,
05:37.0
you do your market research very well,
05:39.0
is you have to get to know the lukas.
05:41.0
You have to befriend them para makita mo,
05:45.0
maging marites ka, malalaman mo
05:48.0
magkano ang bilihan at bentahan ngayon ng lupa doon sa area na yan.
05:53.0
Thanks for watching.
05:54.0
Kung may kapamilya, kaibigan, o pakilala kang tingin mo
05:58.0
magiging interesado dito sa video,
06:00.0
please share to them or tag them in the comments section.
06:04.0
Syempre, kung nagustuhan mo ang video,
06:07.0
pusoan mo na ito, subscribe ka na rin.
06:10.0
As always, feel free to write your questions, comments, and opinions respectfully.
