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00:00.0
Chinky, okay ba yung idea na utang ako, tapos yung perang inutang ko pang bibili ko lang ng properties?
00:08.0
Yan ang pag-uusapan natin sa video na ito.
00:11.0
Videos that will make you wealthy and debt-free.
00:18.0
Hi there, this is Chinky Tan, your Pambagsang World Coach.
00:20.0
Thank you very much for tuning in in this channel.
00:22.0
Meron tayong sasagutin na question galing kay Mike and Jane.
00:25.0
Sinabi niya, create po kayo ng content about loans.
00:27.0
How we can take advantage, especially to pay off property.
00:31.0
So, kung kayo po ay naguguluhan, let me help you to evaluate.
00:37.0
Para magkaroon kayo ng informed decision bago kayo mang-utang.
00:42.0
So right now, let's look at the pros and cons muna.
00:46.0
Pros and cons muna.
00:47.0
So, kunyari, ang ginawa po natin,
00:49.0
nag-take tayo ng loan to buy a property.
00:52.0
Ang pros po niyan, number one, is immediate property ownership.
00:56.0
Makukuha mo na agad, syempre.
00:57.0
Imbis na maghihintay ka na matagal, makukuha mo na.
01:01.0
Number two, ang kagandahan din po nito, yung appreciation po.
01:06.0
Syempre, the earlier you buy, ngayon, in the near future,
01:10.0
tataas po ang presyo.
01:11.0
Kasi, pag naghintay po rin kayo,
01:13.0
syempre, pagdating ng panahon,
01:15.0
baka mataas na masyado, baka di nyo na-afford.
01:19.0
Ang pros din po niyan,
01:20.0
e, syempre, magkakaroon po kayo ng peace of mind.
01:23.0
Peace of mind, in the sense na hindi ka na mapapalayas.
01:26.0
Yan po, talagang isang major concern ng karamihan ng mga tao.
01:31.0
It's actually, gusto lang nila magkaroon ng sariling bahay,
01:34.0
to call it their own,
01:35.0
para hindi sila mapalayas.
01:36.0
Or, let's say, magtataas ng rental fee.
01:40.0
Ano naman po yung cons?
01:41.0
Ang cons naman, pag inutang natin,
01:43.0
syempre, meron tayong monthly amortization.
01:48.0
Number two, may interest payment.
01:51.0
Syempre, papasok ka sa utang.
01:53.0
And, ang number four,
01:57.0
iisipin din po natin kung kaya nyo talaga yung monthly amortization.
02:01.0
Yan ang kailangan natin i-consider.
02:03.0
Ano naman po, when you buy a property na pinag-iponan nyo,
02:07.0
kasi may mga iba naman,
02:09.0
meron talagang kakayanan na mag-ipon ng matagal,
02:11.0
tapos sya kanila bibilhin in cash.
02:13.0
Syempre, number one, wala kang utang.
02:15.0
Number two, wala kang babayaran ng interest.
02:17.0
Number three, yung financial risk mo, wala.
02:20.0
At saka, wala kang stress.
02:21.0
Kasi nga, bayad nga in full.
02:23.0
Were there opportunities that we were able to purchase a property in cash?
02:29.0
Kasi, nakapag-ipon kami talaga ng matagal.
02:31.0
Kaya, nabili namin.
02:32.0
Ano naman po yung cons?
02:34.0
Ang cons naman dito,
02:35.0
e, syempre naman,
02:36.0
number one, matagal ka magihintay.
02:38.0
Number two, mag-iipon ka rin.
02:41.0
Number three, e, wala kang talagang lupa for the longest time.
02:44.0
And then, baka probably, nung naka-ipon ka na,
02:47.0
baka mataas na yung presyo.
02:48.0
Ang presyo mo dati, 4 million.
02:50.0
Nung naka-ipon ka, naging 5 to 6 million na.
02:53.0
So, yun may pros and cons po.
02:55.0
Pero, ano pa ang mas maganda?
02:57.0
Oo. Ano pa ang mas maganda, Chinky?
02:59.0
Bago natin sagutin yan,
03:00.0
babatihin mo na natin si Roti Rogador,
03:02.0
si Mylene Comisario,
03:05.0
at si Jeneline Hiba.
03:07.0
Maraming maraming salamat.
03:10.0
I-evaluate na po natin yung alternatives po natin.
03:13.0
Number one alternative,
03:14.0
sige, utangin po natin.
03:17.0
Ano po ang chances are,
03:19.0
na talagang magandang desisyon ito?
03:21.0
Number one, depends on your financial income
03:23.0
and financial capability.
03:25.0
Yun po, yun lang man po magdi-dictate e.
03:27.0
Paano mo malalaman?
03:29.0
Siguro, I will give you a tip, no?
03:31.0
Kung paano malalaman,
03:32.0
kung afford mo na talaga to buy a property.
03:34.0
Napakasimple lang po.
03:35.0
Kung ikaw ngayon ay nag-rerent,
03:37.0
o, pakinggan nyo ito mabuti ha,
03:38.0
pakinggan nyo nung buti.
03:40.0
Let's say, rental expense mo.
03:42.0
Let's say, Php 15,000 per month.
03:44.0
Tanungin nyo po ang sarili nyo,
03:46.0
magkano ang perang kaya nyo
03:48.0
i-stretch for your rental expense?
03:51.0
Pag sinabi mon Php 20,000,
03:53.0
okay, Php 15,000 to Php 20,000.
03:54.0
Ito yung key dito.
03:55.0
If you can find a rent-to-own scheme,
03:58.0
na Php 15,000 to Php 20,000 per month,
04:00.0
you should buy it.
04:02.0
Because, simple lang.
04:04.0
Kasi, itatapon mo e.
04:05.0
Pambabayad mo na sa upa.
04:07.0
Why pay for something that you cannot own it?
04:09.0
Compared to this one,
04:10.0
nagbabayad ka ng Php 15,000 to Php 20,000,
04:12.0
in the near future,
04:16.0
Again, so, number one key is,
04:19.0
Eh, what if may makita ka, Chinky,
04:21.0
na, ano, Php 25,000?
04:23.0
Maganda talaga, dream house.
04:25.0
Should you buy it?
04:26.0
The answer is no.
04:28.0
Kasi, ang capability mo lang hanggang Php 15,000 to Php 20,000.
04:31.0
Pag lumagpas ka ng Php 20,000,
04:32.0
you're treading on thin ice.
04:34.0
Anong ibig sabihin po niyan?
04:35.0
Kaya nyo pong ipaglaban
04:36.0
ang pagbabayad po niyan,
04:38.0
for a few months,
04:39.0
pero baka hindi nyo kayang isustain.
04:41.0
Pag hindi natin kayang sustains,
04:42.0
ano naman ang cons nito?
04:44.0
na hindi mo kaya,
04:50.0
ano po ang pinaka-best alternative
04:51.0
for you to buy a property?
04:53.0
At the end of the day,
04:55.0
ladies and gentlemen,
04:56.0
you just need to ask yourself,
05:01.0
Meron ka bang consistent na income?
05:04.0
That's number two.
05:06.0
Kung capable, may consistent income ka,
05:09.0
Pasok pa rin sa rental budget mo siya,
05:11.0
i-transform mo na yung rental budget mo,
05:13.0
in order for you to own a property.
05:18.0
yung income mo hindi pa stable,
05:21.0
hindi pa rin talaga kaya,
05:23.0
hindi kaya ng budget mo,
05:26.0
Let not the emotions make the decision for you.
05:30.0
If you allow emotions to make the decision for you,
05:32.0
instead of making money,
05:33.0
you might lose more money.
05:37.0
nakatulong po ito sa inyo.
05:39.0
ang resulta ng ating desisyon,
05:42.0
depende sa ating capability and ability.
05:47.0
It's very important.
05:48.0
And number three,
05:49.0
pag-brain mo muna,
05:50.0
bago kayo bumili.
05:51.0
Lalo na kayong mag-asawa.
05:53.0
So, para sa mga tao pang gustong matuto,
05:56.0
kung paano talaga bumili ng unang property nyo,
05:58.0
I really encourage you to just visit
06:01.0
Meron po tayong lesson po diyan,
06:03.0
na tinatawag na Real Estate 101.
06:06.0
that will help you to decide
06:07.0
on how you should buy property.
06:09.0
Maraming maraming salamat po.
06:13.0
tamang karunungan,
06:15.0
ang susi sa pagyaman.
