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So, kung kayo po ay naguguluhan, let me help you to evaluate.
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Para magkaroon kayo ng informed decision bago kayo mang-utang.
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So right now, let's look at the pros and cons muna.
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Pros and cons muna.
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So, kunyari, ang ginawa po natin,
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nag-take tayo ng loan to buy a property.
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Ang pros po niyan, number one, is immediate property ownership.
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Makukuha mo na agad, syempre.
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Imbis na maghihintay ka na matagal, makukuha mo na.
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Number two, ang kagandahan din po nito, yung appreciation po.
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Syempre, the earlier you buy, ngayon, in the near future,
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tataas po ang presyo.
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Kasi, pag naghintay po rin kayo,
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syempre, pagdating ng panahon,
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baka mataas na masyado, baka di nyo na-afford.
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Ang pros din po niyan,
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e, syempre, magkakaroon po kayo ng peace of mind.
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Peace of mind, in the sense na hindi ka na mapapalayas.
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Yan po, talagang isang major concern ng karamihan ng mga tao.
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It's actually, gusto lang nila magkaroon ng sariling bahay,
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to call it their own,
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para hindi sila mapalayas.
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Or, let's say, magtataas ng rental fee.
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Ano naman po yung cons?
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Ang cons naman, pag inutang natin,
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syempre, meron tayong monthly amortization.
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Number two, may interest payment.
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Syempre, papasok ka sa utang.
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And, ang number four,
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iisipin din po natin kung kaya nyo talaga yung monthly amortization.
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Yan ang kailangan natin i-consider.
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Ano naman po, when you buy a property na pinag-iponan nyo,
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kasi may mga iba naman,
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meron talagang kakayanan na mag-ipon ng matagal,
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tapos sya kanila bibilhin in cash.
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Syempre, number one, wala kang utang.
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Number two, wala kang babayaran ng interest.
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Number three, yung financial risk mo, wala.
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At saka, wala kang stress.
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Kasi nga, bayad nga in full.
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Were there opportunities that we were able to purchase a property in cash?
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Kasi, nakapag-ipon kami talaga ng matagal.
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Kaya, nabili namin.
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Ano naman po yung cons?
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Ang cons naman dito,
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e, syempre naman,
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number one, matagal ka magihintay.
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Number two, mag-iipon ka rin.
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Number three, e, wala kang talagang lupa for the longest time.
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And then, baka probably, nung naka-ipon ka na,
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baka mataas na yung presyo.
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Ang presyo mo dati, 4 million.
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Nung naka-ipon ka, naging 5 to 6 million na.
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So, yun may pros and cons po.
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Pero, ano pa ang mas maganda?
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Oo. Ano pa ang mas maganda, Chinky?
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Bago natin sagutin yan,
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babatihin mo na natin si Roti Rogador,
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si Mylene Comisario,
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at si Jeneline Hiba.
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Maraming maraming salamat.
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I-evaluate na po natin yung alternatives po natin.
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Number one alternative,
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sige, utangin po natin.
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Ano po ang chances are,
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na talagang magandang desisyon ito?
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Number one, depends on your financial income
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and financial capability.
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Yun po, yun lang man po magdi-dictate e.
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Paano mo malalaman?
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Siguro, I will give you a tip, no?
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Kung paano malalaman,
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kung afford mo na talaga to buy a property.
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Napakasimple lang po.
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Kung ikaw ngayon ay nag-rerent,
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o, pakinggan nyo ito mabuti ha,
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pakinggan nyo nung buti.
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Let's say, rental expense mo.
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Let's say, Php 15,000 per month.
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Tanungin nyo po ang sarili nyo,
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magkano ang perang kaya nyo
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i-stretch for your rental expense?
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Pag sinabi mon Php 20,000,
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okay, Php 15,000 to Php 20,000.
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Ito yung key dito.
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If you can find a rent-to-own scheme,
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na Php 15,000 to Php 20,000 per month,
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you should buy it.
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Because, simple lang.
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Kasi, itatapon mo e.
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Pambabayad mo na sa upa.
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Why pay for something that you cannot own it?
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Compared to this one,
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nagbabayad ka ng Php 15,000 to Php 20,000,
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in the near future,
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Again, so, number one key is,
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Eh, what if may makita ka, Chinky,
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na, ano, Php 25,000?
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Maganda talaga, dream house.
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Should you buy it?
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The answer is no.
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Kasi, ang capability mo lang hanggang Php 15,000 to Php 20,000.
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Pag lumagpas ka ng Php 20,000,
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you're treading on thin ice.
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Anong ibig sabihin po niyan?
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Kaya nyo pong ipaglaban
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ang pagbabayad po niyan,
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for a few months,
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pero baka hindi nyo kayang isustain.
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Pag hindi natin kayang sustains,
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ano naman ang cons nito?
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na hindi mo kaya,
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ano po ang pinaka-best alternative
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for you to buy a property?
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At the end of the day,
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ladies and gentlemen,
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you just need to ask yourself,
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Meron ka bang consistent na income?
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That's number two.
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Kung capable, may consistent income ka,
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Pasok pa rin sa rental budget mo siya,
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i-transform mo na yung rental budget mo,
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in order for you to own a property.
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yung income mo hindi pa stable,
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hindi pa rin talaga kaya,
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hindi kaya ng budget mo,
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Let not the emotions make the decision for you.
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If you allow emotions to make the decision for you,
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instead of making money,
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you might lose more money.
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nakatulong po ito sa inyo.
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ang resulta ng ating desisyon,
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depende sa ating capability and ability.
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It's very important.
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And number three,
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pag-brain mo muna,
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bago kayo bumili.
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Lalo na kayong mag-asawa.
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So, para sa mga tao pang gustong matuto,
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kung paano talaga bumili ng unang property nyo,
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I really encourage you to just visit
06:01.0
Meron po tayong lesson po diyan,
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na tinatawag na Real Estate 101.
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that will help you to decide
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on how you should buy property.
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Maraming maraming salamat po.
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tamang karunungan,
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ang susi sa pagyaman.
