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00:00.0
So ano ba yung mga iba't-ibang klase ng real estate investments natin?
00:07.1
We have the following.
00:09.4
So real estate investment, ito yung property made up of land, buildings, mga natural resources natin dyan.
00:16.9
And we can do it for sale or we can rent it out for a profit.
00:24.1
So ang una na form ng real estate investment ay land banking.
00:30.0
So itong land banking or land investment natin, nag-appreciate siya in value, pero hindi ito maganda for emergency purposes.
00:38.9
But it's secure as long as wala sa hazard zone yung inyong lupa.
00:45.2
Another kind of real estate investment would be our memorial lot.
00:51.9
So itong memorial lot natin or memorial plan, it's transferable.
00:57.5
We purchase lots, no?
01:00.0
Doon sa lots plan ng memorial.
01:05.9
Tapos kapag, mas mura siya kapag hindi mo pa siya gagamitin.
01:11.0
So yun, ang morbid kung titignan mo, pero practical naman siya.
01:17.2
Pero kami ni Edwin, ang pinag-uusapan namin, kremation na lang, mas environment friendly.
01:24.7
Purchase now and wait for the value to increase after 5 to 10 years.
01:27.9
Tapos pwede mo naman siyang ibenta.
01:30.0
Okay, and then we have our rental or income properties.
01:37.3
So pwedeng low cost for rental, low cost housing, yung bibilihin mo.
01:45.1
Pwede kang bumili niyan, mag-down payment ka ng 100,000, tapos mga 500,000 yung bibilihin mong bahay.
01:53.9
Tapos pwede mong i-loan yan sa pag-ibig, may 3% lang yung interest niyan.
02:00.0
Yung rental income lang dapat mas mataas kesa doon sa loan amortization.
02:05.3
And it will provide you with positive cash flow.
02:14.9
Gusto ko lang pakita itong illustration na ito.
02:17.8
Ito yung actually old to na illustration ng Marzan property.
02:24.0
Four units pa ito noon.
02:26.1
So if you take a look at this, ito yung...
02:29.3
annual rent niya from the beginning.
02:34.2
Tapos ito yung interest expense na binabayaran kasi naka-loan yan dati.
02:41.3
So kung isusubtract natin, this is the cumulative na net income na niya.
02:49.3
Tapos meron pang property appreciation ng value.
02:55.2
So ano yung market value minus the loan balance?
02:58.6
So magkano na yung...
02:59.3
yung equity, yung magpagmamay-aray.
03:02.5
So initially we loaned the property kasi but it's already fully paid now.
03:08.1
Kaya naka-ano na sa atin.
03:09.8
So if you take a look at this, yung equity plus yung...
03:14.0
minus the market value, may capital appreciation pa dyan.
03:20.9
Yung capital appreciation, paper gains lang ito.
03:24.3
Hindi talaga na-enjoy.
03:25.3
Ang money talaga ay nandun sa rental income.
03:29.3
It gives you a sense of security na if you dispose it,
03:32.3
this is the capital appreciation that you will expect.
03:37.3
So yung economic value niya, yung cumulative net income plus the market value,
03:42.8
so tumataas yung economic value niya.
03:45.3
And that's the reason why I like investing in real estate.
03:50.9
At kapag ika-compare lang natin yan with the stock market at that time,
03:59.3
so given the same amount na inilagay,
04:02.6
so sinide by side ko siya.
04:06.0
So if you take a look at this,
04:07.4
nag-de-dip kasi eh.
04:09.1
Tingnan tong yung stock market.
04:12.3
691,000 nung 2007.
04:14.5
Tapos nagka-crash nung 357,000 siya.
04:17.5
Pero yung economic value nung rental, pataas pa rin siya ng pataas.
04:22.7
So if you put it in a graph,
04:30.8
Yung stock market, taas-baba.
04:32.8
And the rental property, mas smooth.
04:36.4
So yung iba, kapag rental property pinag-uusapan,
04:42.1
ang default nila ay condominium yung i-invest.
04:47.3
So magandang investment ba yung condominium?
04:50.0
And I have here a video that we can watch for a bit.
04:55.3
Anong kailangang tanggaan sa negosyong parentahan?
04:58.4
Anong kailangang tanggaan sa negosyong parentahan?
04:58.6
Ang pinaka-importante, kailangan mayroong positive cash flow.
05:03.8
Kung kumuha ng loan, kinakailangan ang rental income ay mas mataas kaysa sa loan amortization.
05:11.1
Kailangan din kumuha ng property insurance.
05:22.3
So short video lang siya.
05:24.5
Pero marami kasi na nag-i-invest sa condominium.
05:28.6
Pero hindi nababawi yung investment kaagad.
05:36.1
So yung guidelines for real estate investing natin,
05:39.6
kung nakakapag-provide siya ng rental income,
05:42.2
then that's a rental investment siya.
05:46.8
Should have positive cash flow.
05:49.0
And then return of capital or investment within 8 years.
05:53.0
Or pag ang gagawin mo lang dyan ay ganito.
05:55.4
Pag dinivide mo yung...
05:58.6
Magkano yung amount nung condominium divided by the monthly rent?
06:05.6
Kung more than 100 yung lalabas,
06:09.6
it's not a good investment because that's going to be greater than 8 years.
06:14.1
Ang 8 years kasi ay 96 months.
06:16.3
So kung less than 100 months siya, para quick lang yung calculation natin,
06:22.5
And based on my calculation with the condominium,
06:28.6
pag sinisimulate ko siya,
06:30.8
lagi siyang nasa 240 months.
06:35.1
180, 240, 300 months.
06:38.6
Ganyan. Matagal mabawi.
06:40.3
So I don't think it's a good investment.
06:42.3
Lalong-lalong na ngayon at wala na yung mga pogo.
06:44.9
Kasi yung mga pogo dati yung nag-be-be-up ng price.
06:55.2
So kapag tayo po ay bibili ng condominium,
06:58.6
So do your own research on rental potential of the area
07:01.5
before making your purchase decision.
07:03.2
So magtanong-tanong muna kayo doon.
07:05.4
So kung bibili kayo ng condo for rent,
07:08.5
pumunta kayo doon sa condominium mismo,
07:10.7
tanong nyo yung guard,
07:11.8
magkano yung going rental rate doon ngayon.
07:14.9
Kasi yun yung magiging i-expect mo.
07:17.2
Huwag mong titignan yung mga sasabihin nung nagbe-benta lang sa'yo.
07:22.8
Next, cross-check agent information with disinterested party.
07:27.3
Doon sa mga guard mismo.
07:28.6
Pwede kang pumunta sa mga online.
07:31.7
Mag-increase ka ng down payment
07:33.4
para umikli yung payment mo sa bank ko
07:36.3
if you're not paying it in cash.
07:38.1
And at least match the loan amortization
07:40.1
with the first year rental rate.
07:43.3
Tapos increase natin yung loan term
07:45.3
kapag lower yung cash flow.
07:50.2
Kung hindi mo gagamitin na bahay
07:51.9
or opisina yung condo,
07:54.2
huwag ka na lang bumili ng condo.
07:56.8
Mas maganda pang mag-
07:58.6
Mas maganda yung may lupa talaga.
08:01.4
In my experience.
08:03.0
Kasi I also have a rental property dyan sa
08:11.4
Sakto-sakto lang siya na 8 years.
08:13.9
So tignan nyo din.
08:15.1
Kasi yung second-hand,
08:17.1
I mean hindi brand new na condominium.
08:20.2
Usually mas may sense siya na bilhin.
08:23.9
Kasi mas mura siya.
08:25.5
Than the published rates.
