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00:00.0
Real estate investing, lalo na ang rental properties, ang paborito kong passive income.
00:06.2
Bukod kasi sa may monthly na pasok ng kita, may capital appreciation pa sa property.
00:12.3
Here are the ways to invest in real estate.
00:15.8
Ways to invest in real estate.
00:20.6
So ways to invest in real estate, ito naman po yung mga didiscuss natin dyan.
00:27.0
Ano ba yung residential real estate investing, commercial, industrial, special purpose, retail,
00:33.2
raw land, alternative, and niche real estate investment strategies?
00:39.3
So, yung mga residential, sir Ken, ano yung mga ito?
00:42.6
Aya, sir Vince, yung mga residential, ito yung single family homes, multi-family homes,
00:47.9
yun yung mga townhouses dyan, condominiums, sikat-sikat, vacation homes, student housing,
00:53.9
senior housing, and assisted living facilities na hindi masyadong sikat-sikat sa Philippines,
00:59.0
pero sa ibang bansa, naku, sikat-sikat na sa Philippines.
01:01.7
Pero alam mo, madalit naman kay India yun, lalo na sa mga sangkapakulahan.
01:06.0
Piling ko, papatok yun, diba?
01:09.4
Tapos yan yung mga commercial, sir Ken.
01:11.6
Ano ba yung mga ito?
01:12.6
Sa commercial, sir Vince, pinag-uusapan naman natin dyan, mga office buildings,
01:16.2
shopping centers and malls, hotels and motels, restaurants, mixed-use buildings.
01:23.4
So yan yung mga commercial buildings, commercial real estate investing natin.
01:28.6
So yung mga po pwede ninyong gawin, ano?
01:30.6
Tapos sa industrial, meron tayong warehouses, factories, and distribution centers.
01:36.6
Tapos distribution centers, kailan lang ito nauuso eh?
01:39.4
Dahil sa mga fulfillment-fulfillment ng mga shopping apps, mga deliveries-deliveries.
01:44.6
And how about special purpose services? Ano yung mga kabilang dito?
01:47.5
Okay, so ito yung mga car washes, special purpose eh, ito yung mga kakaiba, diba?
01:52.6
So kung gusto mong magparenta ng facility for car washing, special purpose ang tawag dyan.
01:57.9
Ceiling masks, yun pa ba din ngayon?
02:00.1
Yung mga nakikita nga natin sa mga malls, nagsasabad na talaga eh.
02:03.4
Campgrounds, ano yun?
02:05.4
Nan si Mama at Papa.
02:06.6
Oh my God, yan sila, diba?
02:08.9
Self-storage facilities, dito sa mga dalawa nila nakikita na natin yan.
02:12.4
May mga storage facilities.
02:14.1
Masikip yung bahay mo, nasa malikit ka ng condo,
02:17.3
imahalik ka mga dokumento na may sentimental value, mga kalagaw, kung ano-ano.
02:21.1
Doon mo i-store, diba, larentahan mo yun.
02:23.9
Mobile home products, diba? So yung mga yan.
02:29.0
Kasama naman sa retail ang shopping malls, street malls, o yung cluster ng mga retail shops.
02:35.4
At saka syempre, stand na ng brick and mortar shops.
02:38.3
So, sasabihin mo, ano nang kinakiremahan ng retail?
02:41.4
Real estate investing sa commercial.
02:44.2
Sige ba yung commercial din naman yan, diba?
02:46.9
Yung retail, real estate pala, naka-analaman po rin ng Sir Edmond.
02:50.8
Doon sa commercial, rental lang talaga.
02:53.6
Pero kapag retail, yung pinag-uusapan natin, ay may mga...
02:59.6
Doon yung SM, mga ayala, ganyan, diba?
03:02.5
Yung commission is typically out of your revenues.
03:05.3
So yung lahat ng mga sales mo per month,
03:09.1
bukod sa nagbabaya ka ng rent, may kinakapture pa ng percentage from your total revenues.
03:15.4
May hike up sa kata-benefit, diba?
03:19.0
Tapos meron din tayong raw land and development real estate.
03:23.9
So, ito yung mga underdeveloped land.
03:25.8
So, ito yung mga land-banking areas na tinatawag mo.
03:29.8
Yung mga nasa car-plot areas pa.
03:32.2
Tapos meron real estate development din.
03:35.0
Parang you're buying land to develop it into a park, a coastal division, ganyan.
03:40.7
Tapos may agricultural real estate.
03:43.4
May mga zoning opportunities din.
03:47.1
Sir, babe, anong naman yung mga sabi yan?
03:48.8
Kapag pinag-uusapan natin, alternative and niche.
03:52.0
Okay, yung alternative and niche real estate investing,
03:55.7
meron tayong tinatawag na real estate investment trusts.
03:58.2
Ito yung mga real estate portfolio ng mga malalaking korporasyon
04:03.3
at nililist nila sa stock market.
04:06.7
Tapos doon pwede ka nang mag-participate.
04:08.6
And then, merong real estate syndication.
04:10.9
Parang itong crowdfunding ng pag-invest sa real estate.
04:17.8
Pero usually, kapag kilang kayo.
04:19.8
So hindi kayo, parang medyo limited yung spasho doon.
04:24.2
And then, real estate crowdfunding yun.
04:26.0
Usually, maramihan tayo dyan.
04:29.2
Usually, online ginaganap yan.
04:32.0
Tapos merong real estate funds.
04:33.6
Yung real estate funds ay parang rich, pero hindi listed sa stock market.
04:39.1
Tapos yan, may green and sustainable real estate.
04:41.9
May historical property investment.
04:44.2
Di ba yung isa kasasangking ba yun?
04:46.9
Ito, pinatahan natin ng park na pinipreserve yung mga bahay.
04:50.4
Las Casas, Pilipinas.
04:52.7
O, Las Casas, Pilipinas.
04:54.4
Historical property investment po yun.
04:56.8
And then, may fractional ownership.
04:59.9
Yung fractional ownership, it doesn't just apply to real estate.
05:03.4
Pwede rin rin po sa yate, mga gano'n.
05:06.2
Sa hotels, usually fractional ownership.
05:08.9
So, you don't own a part of that.
05:11.2
You don't own all of it, you own part of that.
05:14.2
And usually, ang mga benefits mo, you can use it.
05:18.3
Medyo may magkatayos sa fractional ownership.
05:21.0
And then, co-working spaces.
05:23.4
Ito yung mga, parang modern library sya.
05:27.7
Pero mga trabaho, mariligit na mga negosyo yung nandito.
05:32.7
And then, Sir Vince, dumating na tayo sa ating point of real estate strategies.
05:37.0
So, ano ba yung mga preferred yung gawin kapag pinag-uusapan ng pag-invest on real estate?
05:42.7
So, mayroon natin yung tawag na ticks and flips.
05:46.2
Yung ticks and flips, bibili sila ng delacidated o rundown na mga buildings or property.
05:52.3
Tapos, ayusin nila.
05:53.6
Dati, may dress-up.
05:55.5
O, mga fixer-upper.
05:58.2
Then, merong wholesaling.
06:00.0
Sila ay bumibili ng maramihan.
06:03.0
So, wholesaling yun.
06:05.6
And then, merong mga lease options.
06:07.6
Lease options, you rent now, but you have the option to buy the property in the future.
06:15.1
And then, merong mga short-term rentals.
06:16.9
So, ito yung mga Airbnb.
06:19.9
And then, may mga distressed property.
06:22.4
Marami na yan sa mga bangko, for example.
06:24.8
Actually, for close neighbors.
06:27.0
Distressed na ngayon.
06:27.9
Pero, pangirip din tayo sa mga gano'n.
06:30.6
Kasi, alam mo dito sa Pilipinas, ha?
06:32.6
Hindi ka basta-basta makakapagpa-alis ng taong naninirahan doon.
06:37.4
Maganda yan, Sir Vince.
06:38.2
Kasi, hindi na nalapakansin, nila nakalagay din sa mga fireproof.
06:42.8
Where is as is dito.
06:44.3
So, kung ano'ng makikita mo doon, yun yung binili mo.
06:48.3
At kung sino yung nakatinang tao doon, hindi mo siya basta-basta mapapalayas unless voluntarily siya umalis.
06:55.0
Kaya, kakaibiganin nyo dapat sila para sila ay umalis.
06:59.0
Kasi, kung inawala yun, mas mahirap kayo.
07:00.7
Dahil, alam nyo ba na court order lamang po ang makakapagpa-alis sa mga informal centers.
07:08.0
Lalo na lang sa mga distressed properties.
07:10.8
Tapos, meron mga condo conversion, no?
07:13.3
Ito, mas sikat dito sa mga developed countries.
07:15.3
Yung mga series of apartments, binibili nila.
07:17.6
Then, they convert it into a condominium.
07:20.2
Tapos, may tinawag tayo.
07:21.9
Triple net leases.
07:23.7
Ano ba yung triple net leases?
07:26.1
Kasi, di ba, usually kapag nag-rent tayo, binabayaran lang natin yung rent.
07:31.3
Ito, triple net leases, pati taxes, maintenance, ay carbon ng penal.
07:37.2
So, mas malaki pinikita ng landlord.
07:41.5
And then, hard money lending.
07:44.0
Nagpapauntang ka doon sa mga nag-iinvest in real estate.
07:47.8
And then, yung mga tax liens.
07:49.8
So, yung itong mga tax liens, ang dami niyo.
07:52.7
Yan ay, ano yan, obligation, no?
07:55.5
Parang may kolateral.
07:58.8
Ginawa, oo, may palateral.
08:01.7
So, actually, parang meron kang pagkakautang.
08:03.7
At yung tax liens na yan, may pagkakautang ka sa pagbabayan sa gobyerno.
08:09.0
At ang usual na ginagawa ng iba, sila, right?
08:12.9
Property mo, hindi mo binabayaran yung tax niyan.
08:15.1
Ako magbabayan niyan, di ba?
08:17.8
Tapos, ano yung benefit mo?
08:20.2
Darating yung panahon na pwede sabihin ng gobyerno,
08:23.4
hindi ko talagang magbabayad ng tax.
08:25.4
I-kukulbabawinin na namin, di ba?
08:28.9
So, ikaw yung magiging rightful owner.
08:30.9
Or, babayaran nung may arisa yung in the future, yung binayaran mo.
08:35.8
Okay? And then, may sale, lease back transactions.
08:38.6
May penta muna nila, tapos ipaparent noon.
08:41.7
So, usually, ginagawa yan ng mga malalaking korporasyon.
08:43.7
No? Parang service sa mga real estate strategist mo, di ba?
08:47.4
So, kung ikaw ay amateur or beginner in terms of real estate strategy,
08:53.5
ano yung mga napipisin mo dito?
08:55.5
I think, ang maganda dito pwede yung short-term rentals.
09:00.5
Yan yung pinakamadalik diyan.
09:03.8
Kasi, yung short-term rentals,
09:05.8
pwede kang magsimuladan din na,
09:07.8
natatakan mo din, di ba?
09:09.8
Tapos, ayusin mo siya.
09:11.8
And then, you sub-rent it through short-term rentals.
09:16.5
So, you have to inform your landlord about it.
09:18.5
If it's also applicable or allowed.
09:22.5
Doon sa property na yan.
09:24.5
Okay. So, kami po ang inyong mga financial guro.
09:27.2
Ako po si Sir Vins.
09:29.2
At ako naman si Sir Ed.
09:31.2
May sasabing na pagyaman, na pagkaalala,
09:33.2
at na pagtutulungan.
09:35.2
Dahil, tayo po ay nag-uusap tungkol sa real estate.
09:37.2
May nagtanong sa atin kanina about real estate.
09:39.2
Yan eh. Sabi ko, sasabutin natin niya.
09:43.2
Sabi ni Princess.
09:45.6
Sir Ed, safe po ba bumili ng rights lang na house and lot?
09:53.6
More power to the people.
09:57.6
So, okay lang ba na rights-to-rights yan?
10:01.6
Sa totoo lang, sa batas po natin,
10:03.6
ang pinakabatayan ng katunayan ng pagmamay-ari ng lupa ay titulo.
10:14.9
So, kailangan talaga, mas maganda na titulado na liyaan.
10:20.9
So para sa akin, I prefer na titulado na liyaan.
10:24.9
May mga nagaganyan eh.
10:26.9
May nagsasabi sa kanila lumalapit sa akin.
10:28.9
May rights kami dito, kami talaga dyan.
10:32.9
Ang mga ni Muro pa namin dyan.
10:34.9
Pero walang titulo.
10:36.9
Sabi ko, mahirap pong panghawakan yan.
10:38.9
Kasi sa totoo lang, yung mga rights-rights na yan,
10:40.9
ang ibig sabihin nila ay
10:43.3
meron silang property tax na binabayaran dyan.
10:47.3
At yung property tax na yun,
10:49.3
usually ay hindi,
10:51.3
kahit sila pwede mong mag-valid sa totoo lang.
10:53.3
At makakakuha ka doon sa munisipyo niya.
10:58.3
At kaya hindi siya very reliable way of proving ownership.
11:02.3
So, princess, for me,
11:04.3
there is risk in getting into that.
11:07.3
And I would advise yun na yung titulado na yung kukunin natin.
11:11.6
Pero, legal ba yun na yung rights-rights?
11:13.6
Yes, legal naman yun.
11:15.6
Pero, napakalaki. Malaki yung risk.
11:19.6
So, princess, as mga taga-pakilipan natin ngayon,
11:21.6
if you want to go into real estate investing,
11:27.6
Meron po tayo dito sa SEGPI.
11:29.6
Yung real estate joint venture savings basket.
11:34.6
So, meron po kami real estate portfolio
11:37.6
that you can participate in.
11:40.0
So, ito yung mga properties natin.
11:42.0
In 2006, meron tayong residential rental property
11:46.0
sa Sampaloc, Manila.
11:48.0
Noong 2014, sa Mandela, Quilino.
11:52.0
Noong 2020, sa Marjan 1 sa Sampaloc ulit.
11:56.0
Tapos, last year, sinimulan natin
11:58.0
ang Rosario sa Agustin del Sur.
12:01.0
So, ito po yung mga rental properties natin na yan.
12:05.4
So, yung Marjan 1 natin ay 12-unit apartment yan sa Sampaloc.
12:10.4
Tapos, yung Marjan 2, yung kabi ng building,
12:12.4
ay 14-unit apartment na yan.
12:14.4
Meron tayong Mandela 1, 2014, 5-unit commercial space.
12:18.4
At patapos na po ang ating commercial units,
12:22.4
building sa Rosario.
12:27.4
At meron din tayong mga real estate pipelines.
12:30.4
So, noong 2019, bubili tayong 5 hectares.
12:33.7
Sa 2020, 2 hectares siya sa Rigao.
12:35.7
Sa Agustin naman, 2021, 4 hectares.
12:38.7
Redevelop po natin ito into housing.
12:40.7
2022, we bought in Lawag.
12:43.7
So, this is a 200-square-meter property.
12:45.7
Tapos, 2023 ay sa Tagbinas, Rigao del Sur, 6 hectares naman ito.
12:49.7
So, parang every year, yan yung kinukuha natin siya.
12:53.7
So, to diversify your real estate investment,
12:58.7
pwede po kayong sumale sa ating tinatawag na
13:02.1
real estate joint venture savings basket
13:08.1
So, ano ba yung real estate joint venture savings basket?
13:12.1
It allows you to participate in SEDP co-op real estate properties.
13:17.1
So, ito yung apat na properties natin ngayon.
13:20.1
So, we put them into a basket.
13:24.1
So, pinaghahalo-halo natin siya so that it's spread
13:28.1
over several properties.
13:30.4
So, what happens here is yung SEDP co-op members
13:34.4
nag-sustain sila, nag-report sila ng kanilang pera
13:38.4
sa real estate joint venture savings basket.
13:42.4
And then, professionally managed ito ng SEDP co-op
13:46.4
which is invested in real estate properties
13:52.4
that result to either gains or losses
13:55.4
passed on to the SEDP co-op members.
13:57.8
Pero, syempre, mostly gains naman ito.
14:01.8
So, yung real estate joint venture savings basket natin
14:03.8
with pooled savings from SEDP co-op members
14:05.8
that is invested in real estate properties
14:09.8
and yung profit and loss sharing yung ginagamit natin dito
14:13.8
instead of interest.
14:14.8
So, SEDP co-op manages the pooled savings
14:17.8
on behalf of the members
14:18.8
and the member's pay management fee to SEDP co-op
14:21.8
to cover that admin cost.
14:24.2
Ang difference nito,
14:26.2
dahil hindi ikaw mismo yung nagpapatayo at magmanage niyan
14:30.2
hindi naka-lock yung pera mo doon.
14:32.2
Pwede po siya ma-withdraw any time.
14:34.2
Pero, subject to holding period guidelines natin.
14:38.2
And for the first quarter of 2022,
14:41.2
ito yung ating yield, unbalanced yield natin
14:45.2
for our real estate.
14:47.2
So, Marzell 1 is 5.9%,
14:49.2
Marzell 2 5.1% na siya.
14:52.5
Kasi last year, mababa ng Marzell 2 kasi.
14:54.5
Hindi po siya fully occupied.
14:56.5
Madela 1 is 6.6%.
14:58.5
So, ang averaging po natin ay 5.9%.
15:01.5
Pero, starting po ng third quarter this July,
15:05.5
ay magkakaroon po ng increase in rental tayo.
15:09.5
So, pag nag-increase in rental, yung yield din po ay lalaki.
15:19.9
Now, yung ating real estate,
15:21.9
don't let your savings basket turn in conditions.
15:25.9
So, open ito to selfie members.
15:28.9
Minimum and in multiples of Php10,000.
15:31.9
Maximum of Php1,000,000.
15:33.9
Annual dividend payout natin dito.
15:36.9
At ang return natin ay 4-7% per annum.
15:39.9
Variable based on rental properties performance
15:46.2
Ang payouts natin ay pag nabigay na sa atin
15:49.2
ay hindi ito nag-return.
15:51.2
Ang holding period po ay 2 years.
15:53.2
10% ang pre-termination fee.
15:55.2
May 2.5% annual management fee.
15:58.2
Wala po itong guarantee, ha?
16:00.2
Pero, we take all measures
16:02.2
to be able to protect them.
16:06.2
Pag nasuno po na earthquake,
16:08.2
cover naman po tayo yan, no?
16:12.2
Handa ka na bang lumevel up sa savings mo?
16:15.6
Join the SEDPICA Sosyo Community
16:17.6
and get started to be a social investor today!
16:21.6
Umattend ng self-paced online pre-membership education seminar.
16:25.6
Mag-sign up sa bit.ly.com
16:27.6
slash SEDPICO or PMES
16:32.6
I-deposit ang iyong initial share capital,
16:35.6
at joint venture savings sa Gcash,
16:37.6
BDO Online Banking,
16:39.6
BPI Online Banking,
16:41.6
or Direct Bank Deposit.
16:44.0
Daming options, di ba?
16:46.0
Sundi ng simple instructions sa bit.ly
16:50.0
para makapagsimula.
16:52.0
Mag-login sa iyong SEDPISRI online account
16:55.0
at ipaalam ang inyong deposit.
16:59.0
slash SEDPIONLINESRI
17:01.0
at kami na ang bahala sa iyo.
17:04.0
Ano bang inihintay mo?
17:05.0
Sali na sa SEDPICA Sosyo ngayon
17:07.0
and let's start building a brighter financial future together!
