#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com. How to join SEDPI Coop: 1. Join SEDPI Foundation at bit.ly/SEDPIOnlineSRI by clicking “Register” and filling out the form 2. Take the online Pre-Membership Education Seminar (PMES) at bit.ly/SEDPICoopPMES 3. Pay membership fee and initial share capital Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI Sagot sa mga Frequently Asked Questions: https://bit.ly/sedpi-sri-faq Isubmit ang ibang pang inquiries o requests sa: https://bit.ly/sedpi-inquiry Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... * How to invest: https://m.me/vincerapisura?ref=w13160758 SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list... How to invest 100K: https://youtu.be/dxHRZn7uP-4 Celebrity guests include venus Raj (Season 1); Nicole Cordovez and Sinon Loresca (S

Video Transcript / Subtitles:( AI generated. About AI subtitles » )

* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider becoming a patron to support these video transcriptions, and the other tools and apps built by Tagalog.com

Una para sa akin ang top 1 po dyan ay land banking.

So dito sa land banking, we purchase land with the intention of holding this for a long period of time

before selling it for profit.

So ito ay binibili mo tapos hindi mo muna ibibenta.

Mag-aantay ka ng medyo matagal na panahon at saka mo siya ipagbibili.

Ang mga magulang ko po ay ganyan ang kanilang nangyari sa kanila.

So marami silang datong ngayon kasi ngayon sila nagbibenta na ng kanilang sangkalupaan.

Just to give you an example, they bought a lot in 1987, I think, and they bought it for Php20,000.

This is a lot na parang ano lang siya, nasa 2,400 square meters.

And they were able to sell it at around Php3.4 million.

Oo diba, yun yung land banking.

And when I calculated the internal rate of return, nasa 14% to 19% per annum yung kanilang return because of that.

But the warning there is talaga namang napakatagal ang kanilang inantay.

1987, ano na po ngayon, 2024.

So matagal na panahon yun talaga.

Okay, so how to do, what you need to know for when you want to enter land banking.

So long term usually, yung ating pinidignan dito, usually 10 years.

Yung time frame natin kapag tayo ay nag la-land banking.

And inaantay natin na mag-appreciate yung value nito but it really will take a while.

And it also takes a while to liquidate.

Hindi po basta-basta ang magbenta ng lupa.

Yan yung tatandaan natin.

Hindi yan katulad ng lugaw, nalituin mo ngayon, pwede mo nang i-benta agad.

Ang lupa po, nako, ang haba ng proseso.

May mga binili nga po akong lupa noong 2020 pa, 2021.

Hanggang ngayon ay pinoproseso pa namin ang papeles.

Dahil ang kailangang pumirma lahat ng mga kamag-anak at related na mga heirs noong may lupa.

Kasi nasa lolo pa nila yung titulo, mga ganyan-ganyan.

So medyo masalimood siya.

At syempre, dahil sa laki ng amount ng kailangang bitawan pag tayo ay bibili ng lupa,

talaga namang hindi ito madaling i-benta kasi not a lot of people have cold cash.

So yan, secure din ito because it's hardly perishable.

Hindi yan nasusunog, hindi yan nawawala except kapag ito ay nasa mga hazard zones.

Nandito po ako sa Rosario ngayon.

At meron akong isang member na nakapag-claim ng ating damayan o dayong.

At nabigyan natin siya ng P5,000 dahil naanod ang kanyang bahay.

So sabi ko, numpul na tayo dyan sa mga hazard prone areas.

Kasi kahit na real estate yan, kung naaanod ka naman, lubuglitaw yung lupa.

Hindi rin siya ganoon ka-productive or ka-secure.

At mataas ang ating upfront amount natin dito kasi kailangan natin siyang bilhin usually in cash.

Very rare yung nakikita ko na bilhan ng lupa na hulug-hulugan.

At kapag hulug-hulugan pa, maraming mga nagkakaproblema dyan.

Okay, paano tayo magla land bank?

So the first one is we have to identify the areas where land values are expected to appreciate.

Pero sa totoo lang, mahirap itong gawin.

Kasi ako nga sinasabi ko sa mga magulang ko,

Totoo ba? Magiging million-million ba yan?

Eh, napaka nasa mga liblib-liblib na lugar.

Pero meron talagang ganoon eh that you really learn and understand na

you just think that this property will appreciate in value over time.

So there's a bit of uncertainty there pero kailangan mong magtanong-tanong

and you really have to do your market research to do it.

Ako as for me, I really don't do land banking.

Ang ginagawa ko, land banking na long term.

Kasi I do land banking for development, for our socialized housing.

Pero ang gagawin ko doon, magtitira ako ng iba.

Kunwari, nakabili ako ng five hectares.

Ide-develop natin yung four hectares.

Yung one hectare, ititira ko for land banking.

So ide-develop natin yung apat na hektarya.

Pag tumastas na yung presyo, pag binenta natin yung one hectare,

tiba-tiba na tayo doon kasi na-develop na yung four hectares,

mataas na yung property values.

Naintindihan nila kung bakit for advanced investors ang land banking.

You also have to understand zoning laws.

Kasi may mga agricultural land, may residential, may commercial.

You have to understand ano yung gamit ng lupa na yan.

And look for undervalued properties.

Get to know the lukas.

In my experience, mas mataas ang property

at mas abot kaya ang property valuations in rural areas compared sa urban areas.

May mga properties akong nabili sa urban areas

na talaga namang parang taong-taong ko talagang pinag-ipunan

pero hindi ganoon kalaki yung appreciation niya

compared to sa mga properties na nabili ko in rural areas.

And ang isang key dito para makilala mo talaga,

you do your market research very well,

is you have to get to know the lukas.

You have to befriend them para makita mo,

maging marites ka, malalaman mo

magkano ang bilihan at bentahan ngayon ng lupa doon sa area na yan.

Thanks for watching.

Kung may kapamilya, kaibigan, o pakilala kang tingin mo

magiging interesado dito sa video,

please share to them or tag them in the comments section.

Syempre, kung nagustuhan mo ang video,

pusoan mo na ito, subscribe ka na rin.

As always, feel free to write your questions, comments, and opinions respectfully.