00:36.2
So, right now po, paano ba ako nakabili ng condo bago akong mag-asawa?
00:42.0
Okay, nung bata pa ako, talagang naiintindihan ko na yung tinatawag natin na
00:47.0
ang goal sa buhay is not to pursue financial stability
00:50.8
but the goal in life is to practice financial responsibility.
00:55.3
Anong ibig po sabihin yan?
00:56.9
When you say you're financially responsible, you live below your means.
01:01.2
Ang ibig sabihin niya, kung ikaw ay kumikita dito, dapat ang gastusin mo dito.
01:05.8
Hindi yung kumikita ka dito, ang gastusin mo ay dito.
01:11.6
Kaya ang formula ko, again, guys, fyi, this is my own personal formula.
01:16.2
Please do not try this at home.
01:17.4
If you do try this at home, skyplex ang kakainin mo araw-araw.
01:21.0
Kasi simulat sa Paul, ang turo sa akin, 50-25-25.
01:24.3
50% savings, 25% investment or business, 25% I can spend.
01:29.4
So, ang hinahabol ko talaga sa buhay, hindi gastos.
01:32.0
Ang hinahabol ko talaga, magkano dapat ipunin ko?
01:34.9
Now, to cut the long story short, ano namang kinalaman nito sa pagbili ko ng condo?
01:39.0
Nung ako ay bata pa, naalala ko tuloy.
01:40.8
Nung ako ay nasa single pa, single pa.
01:43.6
At kumikita na ako, during that time, around P200,000 to P300,000 per month.
01:48.8
I was saving 80% of my income.
01:53.3
Because I was still living with my parents.
01:55.4
Hindi, nakatira lang ako, kasi sabi ko, why should I move out?
01:58.1
Hindi naman ako ikakasal.
01:59.1
Pag nag-move out ako, I pay for my rent, electricity, water.
02:01.8
So, alaki na ng gastusin ko.
02:03.3
So, instead of paying for that, napupunta ang 80% ng aking pera at savings po,
02:08.9
sa pagbili ng two-condo-minium unit.
02:14.5
God has given me wisdom.
02:15.8
At tumatulong naman ako sa bahay during that time.
02:17.6
Hindi naman ako palamunin, di ba?
02:20.1
naintindihan ko that property are good investment.
02:23.8
That's the second.
02:24.6
Kaya nga, nakapag-invest talaga ako.
02:26.4
Kasi nga, I saw my parents as simple-minded people.
02:29.5
They never finished formal schooling.
02:31.7
Hindi sila nakapag-aral.
02:32.9
Pero, yun nga, naiahon kami dahil nga sa property.
02:38.3
Kung makikita nun talaga yung property story namin talaga,
02:41.1
hanapin nyo na lang po dito sa YouTube channel.
02:43.0
May story po ako about my parents.
02:44.8
So, ito ka talagang story short na tutupo ako sa kanila.
02:47.6
And then, I set a clear goal.
02:49.4
Ang unang kaya ko lang muna talaga ay condominium unit.
02:51.9
Di ko pa kayang bumili ng bahay at lupa.
02:53.9
So, anong ginawa ko next?
02:55.0
Very simple lang.
02:55.7
Nag-research muna.
02:56.6
Siyempre, research.
02:57.8
Research, research, research.
02:59.8
And during that time,
03:00.8
may nakita po akong dalawang condominium units
03:03.0
na may ortigas po.
03:04.8
And during that time,
03:05.9
nagbo-boom po ang ortigas.
03:07.6
Pre-selling po na nakuha ko.
03:09.6
Tukat na lang story short,
03:10.7
I was able to buy combined unit.
03:12.9
Two units ang ginawa ko eh.
03:14.2
Tapos, pinagdikit ko almost 170 square meters.
03:17.4
170 square meters, I think.
03:19.2
Nabili ko lang yata ng mga 4 to 5M.
03:21.6
Ito ang nangyari ah.
03:23.2
Alam niyo ang nangyari.
03:24.4
Natirang ko ng 3 years.
03:25.5
Napaupa ako ng 10 years.
03:27.9
nabawi ko na yung binayad ko na 4M or 5M.
03:31.2
Tapos, nabenta ko pa ng, I think, 8M.
03:34.5
Panalong-panalo talaga.
03:36.0
So, anong ginawa ko para ako nakaipon?
03:38.8
Siyempre, sacrifice.
03:40.7
Nag-sacrifice talaga ako.
03:42.3
No eating out masyado.
03:43.8
Walang muna nag-travel.
03:45.8
Kasi, may pangarap nga ako na magbayaran ko talaga yung kondo.
03:48.6
And then, after that, ano pang ginawa ko?
03:50.5
I also talked to financial experts.
03:52.6
Yung mga magagaling sa property.
03:54.2
Sabi ko, magagaling ba ito?
03:55.6
Bakit ako nagtatanong?
03:57.8
Always remember, it took you a lifetime to save the money.
04:00.5
But, it only take you one.
04:02.2
One mistake for you to lose everything.
04:05.7
Buti na nagtanong ako.
04:07.1
Tinanong ko kung maganda ba yung brand ng binilang ko.
04:10.2
decent naman at naayos naman.
04:12.9
Kaya nga, it's very important, no?
04:14.6
When you want to really buy your first condo,
04:17.9
na maghanap-hanap muna kayo
04:19.9
na mga properties.
04:21.9
And then, number two,
04:25.1
kung magkano per square meter.
04:27.1
Tapos, if not naman, magkano down payment.
04:29.1
Magkano monthly payment.
04:30.6
Pagka-turnover, magkano interest.
04:32.6
And then, number four, very important po.
04:34.6
Negotiate the best deal within your budget.
04:38.9
O, kailangan nyo kung anong pasok mo.
04:40.9
Kasi, the issue, it's not where you want to live.
04:42.9
Eh, where you want to buy.
04:43.9
The issue is, where can you afford
04:47.4
Kaya nga, noong na-achieve ko yun,
04:49.2
Ay, grabe talaga, sarap na feeling.
04:50.9
And that was my first condo.
04:53.3
And then, di pat natapos doon.
04:54.6
Nagpatuloy-tuloy pa.
04:55.9
And then, ngayon,
04:56.9
graduate na kami sa condo.
04:58.2
Ngayon, nasa property na po kami.
04:59.9
Kaya, kung nagawa ko to dati,
05:01.4
I'm sure, kaya mo rin gawin to.
05:03.1
Kailangan mo lang isa-puso at isa-isip
05:05.0
ang mga tips na binigay ko sa inyo.
05:06.7
Balang araw, maniwala ka,
05:08.1
maninirahan ka na sarili mo ng bahay
05:09.9
o sarili mo ng condo itong pinapangarap mo.
05:12.2
Kaya nga, kung nagustuhan nyo itong video na ito,
05:14.2
and if you want to dive deep
05:15.7
kung paano ba talaga pumasok sa investment
05:18.5
when it comes to property.
05:19.6
Gusto nyo bang matuto
05:20.6
na mag-invest sa property?
05:22.1
If you say yes, good news,
05:23.8
you can check out na lang
05:26.2
Real Estate 101, nasa Chink TV na po siya.
05:28.7
Or if not naman po,
05:29.8
just go to the link below,
05:31.4
and you can check the online course
05:33.0
of Real Estate 101.
05:34.8
Maraming-maraming salamat po.
05:36.2
Tatandaan, tamang karunungan,
05:37.8
tamang disiplina po ang susi sa pag-iyaman.
