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00:00.0
BISLIG 1A Joint Venture Savings, Minimum Joint Venture Savings of Php 10,000
00:05.1
Ang project po natin ay Disaster Resilient Socialized Housing
00:09.5
Mayroon itong 3.33% na rebate based on initial deposit
00:15.9
at 6% fixed return, nasa mga 9.33% siya
00:21.3
Pag-usapan po natin ang Socialized Housing Investment
00:25.0
Bidiscuss ko po yung groundbreaking ng ating SEDPI Kabalay BISLIG Project sa Surigao del Sur
00:32.2
at yung ating Socialized Housing Model
00:35.3
Ako talaga excited na excited ako for this at proud na proud ako
00:38.8
Ano yung pros and cons if you participate in this program?
00:43.2
At ano ba yung Real Estate Joint Venture Savings na tinatawag?
00:47.7
Ano yung performance nito over the years?
00:49.8
At ano yung mga features kasi ito po ay kakaibang savings program ng SEDPI Co-op
00:54.9
Paano ba tayo sasali dyan?
00:56.4
Yung ating Balay BISLIG 1, ang location po nito ay sa BISLIG City, Surigao del Sur
01:01.9
Ito po ay 1.9 hectare property na dine-develop natin ngayon
01:07.0
At ang bala po natin ay magtayo ng 100 Socialized Housing on this
01:13.0
50 Low Cost Housing at 20 Mid-Cost Housing
01:17.9
Ito po yung picture natin nung tayo ay nag-groundbreaking noong September 28, 2020
01:24.9
At syempre papasalamat tayo sa Saver University dahil sila po ay nag-agree na tulungan tayo sa project na ito
01:31.7
Ang SEDPI Kabalay BISLIG Housing Model po natin ay nag-uugat po yan dahil sa napakalaking gap ng supply and demand
01:44.3
Yung mass housing kung titignan natin ay kulang na kulang
01:47.9
Maraming mga pinapatayong bahay pero pang mayayaman ito may surplus sa supply
01:53.1
Tapos may kakulangan naman ng supply
01:54.9
Para po sa mga karaniwang Pilipino
01:57.3
Ang sakit sa heart, diba?
01:59.9
Itong administration po na ito ay nangangarap na magtayo ng 6 million houses until 2028
02:07.6
Itong programa namin, itong Socialized Housing na ito para sa akin
02:11.6
Ay kontribusyon pa rin namin sa ating housing program
02:16.5
Mayroong housing supply deficit for the unserved and mass housing
02:20.7
Ito yung mga poor to low income households
02:23.0
Tapos mayroong namang housing supply surplus for middle income and up
02:29.3
Kasi doon sa mid to high end housing
02:32.2
Mas lucrative ang kita ng mga developers
02:35.2
At ang tingin kasi ng mga middle to high income
02:39.0
Doon sa bahay ay investment
02:40.9
Versus doon po sa atin, mga karaniwang mga Pilipino
02:44.5
Ang tingin po natin sa housing ay shelter or bahay
02:49.6
Hindi po investment
02:51.2
Ang primary reason natin para magkakamulaan
02:53.0
Karoon ng bahay ay para tayo maproteksyonan at karoon ng mapayapang pagtulog, maprotect tayo from the elements.
02:59.7
Hindi yung para mag-appreciate yung bahay natin at ibibenta natin. Investment kasi yun kapag gano'n.
03:06.0
Ang ibig sabihin po ng balay ay building adaptive, livable, affordable, and inclusive communities.
03:14.5
We want to provide decent and disaster resilient housing to low-income members of SETI.
03:20.4
At tayo po ay nagpa-partner with government, social investors, and civic organizations to make housing affordable.
03:28.9
Gaya po nang sabi ko sa inyo kanina, nakipag-partner po tayo sa Xavier University for this project.
03:33.6
This is our response to the 6.8 million housing backlog of the Philippine government.
03:40.7
Ang site po natin ay Barangay Caguyaw sa Bislig City, Surigao del Sur.
03:46.2
Ito pong subdivision plan natin.
03:50.4
200 houses ang plano natin na maipatayo dyan.
03:54.3
Ang pangarap po natin ay kayang tumayo sa bagyo, hindi tumutulo, presko, napoprotektahan sa elements yung mga kababayan natin.
04:03.5
Ang SETI po ang in-charge sa construction and financing ng bahay,
04:07.9
ang pag-purchase ng land, at saka livelihood support po para sa mga members natin.
04:13.7
Ito po yung lot and floor area niya.
04:16.7
So we have 49 square meters yung ating lot area.
04:20.4
48 square meters naman yung floor area.
04:24.4
Open po ang ating floor plan.
04:26.6
At ang target price po natin na pagbenta nito sa ating mga members ay 300 to 350,000 pesos lamang.
04:33.7
O, di ba? Napakamura niya.
04:35.9
Ang style po ng ating construction ay quadruplex.
04:40.0
Ibig sabihin parang nakakorner lahat-lahat ang ating mga members.
04:43.5
Yung apat na red na boxes na ito, this is equivalent to 49 square meters each.
04:49.8
7 meters by 7 meters.
04:51.4
Ito yung floor area ng bahay, 2 floors.
04:53.6
Kaya this one is 24 square meters.
04:56.7
And then may second floor tayo na 24 square meters din for a total floor area of 48 square meters.
05:04.4
Paano ba yung ating SETI kabalay model?
05:08.3
Yung member natin, yung mga kanegosyo, they will order our socialized housing.
05:14.9
Initially, ipapainans nyo po kayo as ating social investor.
05:19.8
Kayo mga kasosyo ang tawag natin.
05:22.4
Ang members naman po natin ay maghahire ng construction workers para ipatayo yung bahay.
05:27.6
Kapag ready for occupancy na, magsisimula na ngayon ang amortization ng member natin sa inyo bilang mga social investors.
05:36.2
Pero syempre, kapag dito kasi sa social investors, mas malaki yung interest na babayaran.
05:42.0
Kumpara kung sila po ay kukuha sa pag-ibig.
05:45.0
So sila po ay mag-a-apply pa rin sa pag-ibig.
05:48.5
Once sila ay ma-approve sa pag-ibig at ma-release na sa kanila yung kanilang housing loan,
05:54.9
yun pong nakuha nating perang yan ay gagamitin na pambayad doon sa mga social investors.
06:01.7
So makukuha ninyo na po ng buo yung inyong investment.
06:05.1
Tapos ang mangyari nyan, susunod na, instead na sa inyo nagbabayad, yung mga members natin, doon na po sa pag-ibig sila magbabayad.
06:13.2
At syempre, nakapagit na parati ang SEDPI dito.
06:18.5
Pagka-facilitate nito, yun pong SEDPI Development Finance, yun naman pong pag-aalaga sa ating mga investors ay sa SEDPI Co-op natin.
06:28.2
Kaya kailangan nyo pong magpamiembro bilang SEDPI member kung gusto nyo maging kasosyo at mag-participate dito.
06:35.3
Tapos, ang ating namang pong mga construction workers ay imamanage ng Social Enterprise Development Partnerships or SEDPI Partnerships.
06:43.4
At ang partnership natin with Pag-ibig ay imamanage naman po ng SEDPI Foundation.
06:49.2
Yung joint venture savings kasi ay pwede kayong pumili ng specific project to support versus sa mga regular savings product na hindi nyo alam kung saan napupunta yung pera ninyo.
06:59.4
Ito, alam nyo talaga, napapunta sa project na yan.
07:02.9
Our purpose for this is affordable and decent housing.
07:05.6
And then, provide alternative investment to small social investors like you with capital preservation.
07:11.7
Ang minimum contribution po natin dito ay P10,000.
07:15.6
At in multiples of P10,000.
07:18.5
Ang minimum po ay P500,000.
07:20.3
Exclusive to SEDPI Co-op members, we have 3.33% rebate on the deposit when Pag-ibig assumes the loan.
07:28.9
6% per annum po yung fixed return upon house ready for occupancy based on diminishing balance.
07:37.3
House price is P300,000.
07:39.8
Rebate rate is 3.33%.
07:42.1
Yung rebate ay P10,000.
07:44.4
Actually, P999.99.
07:46.7
Pero, dinount up na natin to P10,000.
07:48.5
This will be deposited to your wallet once Pag-ibig assumes the loan.
07:54.0
And, pwede mo nang i-reinvest yan or i-withdraw based on the term of the new SRI na pipilitin mo.
08:00.1
Paano naman yung 6% fixed diminishing?
08:03.2
Yung fixed means that the interest rate does not change.
08:06.6
Yung diminishing, yung interest is computed based on the outstanding balance of the loan.
08:13.0
Kunwari, yung balance natin ay P300,000.
08:16.4
Hindi divide natin yan by 60 months kasi 5 years ang term eh nitong joint venture savings natin.
08:22.0
P300,000 divided by 60, 5,000.
08:24.4
One year lang pinakita natin pero 5 years dapat yan.
08:26.7
P5,000, P5,000, P5,000 yung kanyang binabayaran kada buwan doon sa principal.
08:31.9
P300,000 minus P5,000, P295,000 na lang yung balance.
08:37.0
P295 minus P5,000, P290 na lang.
08:39.6
And so on and so forth.
08:41.6
Yung balance natin, nagdi-diminish siya.
08:44.0
Yung interest natin, makikita nyo dyan ay,
08:47.1
Kasi nga, yung bahagi ng principal ay nababayaran na rin niya kada buwan.
08:52.0
So yung outstanding balance lang yung nagiging basis ng computation natin na may interest.
08:58.0
Kaya kung titignan mo,
08:59.4
P1,500 divided by P300,000 times 12 equals 6%.
09:07.2
Kahit tignan mo dito,
09:08.0
P1,400 divided by yung balance na P280,000 times 12, 6% pa rin yan.
09:16.1
P1,250 divided by P250,000 times 12 ay 6%.
09:23.4
Fixed yung 6%, pero diminishing yung returns natin.
09:28.5
Kasi yung balance ay na nababawasan.
09:31.2
Yan po ang tama talaga ng calculation at yan po yung makatao.
09:34.2
Kasi yung iba, kahit na P240,000 na yung kanyang balance,
09:39.6
yun pa rin P1,500 na interest ang ibinabayad.
09:42.6
Eh, masyadong mahal yun.
09:44.3
Ito po yung ating may payout sa inyo.
09:48.0
Yung isang quarter, kapag nakolekta na natin yan,
09:51.3
ay ipipayout na sa inyong wallet.
09:53.9
Ang posting niyan ay after 15 days from the quarter.
09:58.2
Ang term po ng ating joint venture ay 5 years.
10:02.4
Ito po ay hold to maturity.
10:04.5
Ibig sabihin, wala pong early withdrawal.
10:07.7
Kasi mahirap naman, di ba?
10:09.3
Kasi yung pera na inilagay ninyo ay nakatali na doon sa...
10:15.0
ipinatayong bahay.
10:16.5
Saan naman ako huhugot pag nag-early withdrawal kayo?
10:19.5
Di ba? Mahirap naman yun.
10:21.3
Ano yung po pwede natin gawin?
10:22.6
Pag gusto nyong mag-withdraw,
10:24.3
ay i-announce natin doon sa ating mga existing members
10:27.4
na, oy, may gustong mag-withdraw doon sa Bislig 1A.
10:31.5
Sino yung gustong pumali?
10:33.5
Tapos, ipa-facilitate po natin.
10:35.8
Quote-unquote, forced withdrawal.
10:37.4
Kapag na-assume na ng pag-ibig yung loan.
10:40.0
Kasi, syempre, mababayaran na ng pag-ibig yung loan.
10:44.3
Ibabayad na namin yun sa iyo.
10:46.0
Tapos, kapag nabayad na yun sa iyo,
10:48.1
pwede mo na ngayon yan i-withdraw
10:49.7
o kaya i-reinvest ulit sa ibang mga joint venture savings projects ng SEDL.
10:55.6
At ang maganda po dito,
10:58.0
safe na safe ang inyong savings
11:00.7
dahil yung bahay ay nakakolateral sa inyo.
11:04.3
Kami po ang maniniguro niyan.
11:06.0
Pag hindi nakapagbayad ng member natin,
11:08.1
natingin ko naman pagdasal natin na sila ay makakapagbayad
11:11.2
kasi sisiguraduhin talaga natin na yung mga bibigyan natin ay
11:14.2
yung mga may kakayanan magbayad.
11:16.7
Yung kolateral po na bahay ay
11:19.2
pwede nating ibenta ulit
11:20.9
pero yung pagbibenta natin ay
11:22.9
babawiin lang natin yung ating investment
11:25.1
kasi kung mayroong kita dyan,
11:26.9
pupunta pa rin doon sa member natin.
11:29.6
O, ganun po talaga kami dito sa SEDL.
11:33.3
Hindi yung nakapagbayad na, for example,
11:37.0
tapos hindi na niya naman ipagpatuloy,
11:38.6
eh, wala na siyang makukuha.
11:41.1
Hindi yan makatao.
11:42.2
Ito po ay tax-free.
11:43.7
Dahil po tayo ay under the cooperative.
11:47.5
Just to recap again,
11:49.0
BISLIG 1A Joint Venture Savings,
11:51.4
minimum joint venture savings of 10,000 pesos.
11:55.0
Maximum po ay 500,000.
11:57.2
Ang project po natin ay
11:58.5
Disaster Resilient Socialized Housing.
12:01.3
Mayroon itong 3.33% na rebate
12:05.3
based on initial deposit
12:07.2
at 6% fixed return upon RFO.
12:10.1
So kung i-add mo yan,
12:13.7
Yan po ay kung agad-agad na within 1 year
12:17.0
ma-assume ng pag-ibig yung loan na in-extend natin.
12:21.9
The term is 5 years.
12:23.5
Quarterly po ang ating payout.
12:25.6
At ito po ay hold to maturity.
12:27.8
No early withdrawal
12:28.8
unless another social investor assumes.
12:32.4
At kapag po ang pag-ibig in-assume na yung loan,
12:35.7
mayroon po tayong forced withdrawal
12:37.3
or forced payout sa inyo.
12:39.9
And ang house po na ipapatayo
12:42.7
ay kung mayroon po tayong forced withdrawal.
12:43.3
Ay collateral sa inyo bilang social investor.
12:46.9
At ito po ay tax-free.
12:49.0
Ang available po lang natin ngayon
12:50.7
ay dahil ang initial natin ipapatayo
12:55.6
That's for a total of 1.2 million pesos.
12:59.0
Kaya unahan po ang pag-suporta dito.
13:02.6
Pros and cons of SEDP Kabalay Investing.
13:05.4
Ang pros po nito,
13:06.5
it's secure because you have the house as the collateral.
13:10.1
At sa totoo lang,
13:10.9
yung mga members natin na
13:12.5
na pagbigyan na natin ng pabahay,
13:15.1
hindi alam na natin kung saan natin sila sisingilin.
13:17.7
At sa totoo lang,
13:19.0
kung nabigyan na natin sila ng suporta sa livelihood,
13:21.8
tapos mayroon pang suporta sa pabahay,
13:25.5
kanino ang loyalty nila sa atin?
13:28.4
There's also positive returns
13:30.4
which is at par with market rates.
13:32.8
Sa totoo lang, higher na yan.
13:34.2
6% plus 3.33, 9.33%.
13:37.8
Yan, higher na yan.
13:39.7
There's strong positive social impact.
13:41.6
Hindi lang po tayo,
13:42.5
hindi lang po tayo kumikita,
13:43.9
nakakatulong ka pa.
13:45.4
Kasi nabibigyan natin ng pabahay yung mga low-income members natin.
13:48.9
Hindi po kailangang mag-invest ng malaki
13:51.3
para ikaw ay magkaroon ng real estate investment.
13:54.3
Sa halagang 10,000 pesos lang ay meron ka na.
13:58.7
long-term investment horizon.
14:01.4
Siyempre, hindi ito liquid.
14:03.3
Unless, kapag 1 year pa lang,
14:06.2
naaprubahan na ng pag-ibig.
14:07.6
Balik agad sa'yo yun.
14:09.1
Na-earn mo yung 6% for that year
14:11.1
and then meron kang rebate na 6%.
14:14.6
One time lang yung rebate na yun.
14:17.0
Ang investment purpose natin dito,
14:19.0
isa sa alang-alang po talaga natin
14:20.8
na ginagawa natin ito
14:22.4
because we want to help low-income Filipinos
14:24.8
have decent housing
14:26.1
at kung ang ating paggagamitin ng ating pera,
14:30.1
long-term horizon.
14:32.5
katulad ng pang-retirement natin
14:34.5
o kaya pagpapaaral sa anak natin na bata pa
14:38.2
pag sila ay dumating na sa kole.
14:39.8
So ano yung mga long-term life goals mo?
14:42.5
Yun yung i-match mo dito sa investment na ito
14:45.3
para mahaba yung time horizon na pupwede for you.
14:49.9
Positive returns and secured with real estate.
14:54.8
Ano po yung track record natin?
14:56.3
Hindi naman po itong first time
14:57.6
na may real estate joint venture savings ang ZP.
15:01.2
Meron na po tayo itong Marzan 1,
15:03.6
Madela 1, Marzan 2, Rosario 1,
15:06.3
at saka itong pinakabago, itong Bislig 1.
15:09.2
Dito po, ito ang Marzan 1 at saka Marzan 2,
15:11.8
mga apartments po yan.
15:13.4
Madela 1 naman po ay commercial property.
15:16.6
Ang Rosario 1 naman po,
15:18.8
ito ay ang ating headquarters
15:20.6
plus clinic po itong tatlong units na to
15:23.4
and then meron tayong isang commercial property
15:25.5
na mapaparentahan dyan.
15:28.2
Historically, ang rate of returns po
15:30.1
ng ating mga real estate joint venture
15:32.7
ay from 5.8 to 7.1%.
15:36.2
Ito kasing 3.2% na Rosario
15:38.9
ay ngayong 2023 pa lang.
15:41.5
Hindi pa siya fully occupied.
15:43.8
Aside from Bislig,
15:45.3
ay mayroon pang mga parating.
15:46.8
Veruela, Trento, Lawag, at saka Tagbina.
15:50.0
Sana po ay supportahan nyo ang ating programa.
15:54.2
Handa ka na bang lumevel up sa savings mo?
15:57.2
Join the ZP ka-sosyo community
15:59.1
and get started to be a social investor today.
16:03.3
Umatend ng self-paced online pre-membership education seminar.
16:06.8
Mag-sign up sa bit.ly
16:09.1
slash ZP ko o PMES.
16:13.9
I-deposit ang iyong initial share capital,
16:17.0
at joint venture savings sa Gcash,
16:19.3
BDO Online Banking,
16:20.7
BPI Online Banking,
16:23.5
or Direct Bank Deposit.
16:25.4
Daming options, di ba?
16:27.4
Sundin ang simple instructions sa
16:28.9
bit.ly slash ZP Pay
16:30.8
para makapagsimula.
16:33.8
Mag-login sa iyong ZP SRI online account
16:36.7
at ipaalam ang inyong deposit.
16:39.2
Go to bit.ly slash ZP Pay.
16:41.5
Go to bit.ly slash ZP Online SRI
16:42.7
at kami na ang bahala sa iyo.
16:45.4
Ano pang inihintay mo?
16:46.8
Sali na sa ZP ka-sosyo ngayon
16:48.5
and let's start building a brighter financial future together.
16:54.1
Ako po si Sir Vince,
16:55.3
ang inyong financial guru
16:56.7
nagsasabing ang pagyaman na pag-aaralan
16:59.7
at napagtutulungan.
