#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com. How to join SEDPI Coop: 1. Join SEDPI Foundation at bit.ly/SEDPIOnlineSRI by clicking “Register” and filling out the form 2. Take the online Pre-Membership Education Seminar (PMES) at bit.ly/SEDPICoopPMES 3. Pay membership fee and initial share capital Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list... How to invest 100K: https://youtu.be/dxHRZn7uP-4 Celebrity guests include venus Raj (Season 1); Nicole Cordovez and Sinon Loresca (Season 2); Atom Araullo (Season 3) and Porky (Season 4). Smart Parenting Board of Expert

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So ano ba yung mga iba't-ibang klase ng real estate investments natin?

We have the following.

So real estate investment, ito yung property made up of land, buildings, mga natural resources natin dyan.

And we can do it for sale or we can rent it out for a profit.

So ang una na form ng real estate investment ay land banking.

So itong land banking or land investment natin, nag-appreciate siya in value, pero hindi ito maganda for emergency purposes.

But it's secure as long as wala sa hazard zone yung inyong lupa.

Another kind of real estate investment would be our memorial lot.

So itong memorial lot natin or memorial plan, it's transferable.

We purchase lots, no?

Doon sa lots plan ng memorial.

Tapos kapag, mas mura siya kapag hindi mo pa siya gagamitin.

So yun, ang morbid kung titignan mo, pero practical naman siya.

Pero kami ni Edwin, ang pinag-uusapan namin, kremation na lang, mas environment friendly.

Purchase now and wait for the value to increase after 5 to 10 years.

Tapos pwede mo naman siyang ibenta.

Okay, and then we have our rental or income properties.

So pwedeng low cost for rental, low cost housing, yung bibilihin mo.

Pwede kang bumili niyan, mag-down payment ka ng 100,000, tapos mga 500,000 yung bibilihin mong bahay.

Tapos pwede mong i-loan yan sa pag-ibig, may 3% lang yung interest niyan.

Yung rental income lang dapat mas mataas kesa doon sa loan amortization.

And it will provide you with positive cash flow.

So yun.

Gusto ko lang pakita itong illustration na ito.

Ito yung actually old to na illustration ng Marzan property.

Four units pa ito noon.

So if you take a look at this, ito yung...

annual rent niya from the beginning.

Tapos ito yung interest expense na binabayaran kasi naka-loan yan dati.

So kung isusubtract natin, this is the cumulative na net income na niya.

Tapos meron pang property appreciation ng value.

So ano yung market value minus the loan balance?

So magkano na yung...

yung equity, yung magpagmamay-aray.

So initially we loaned the property kasi but it's already fully paid now.

Kaya naka-ano na sa atin.

So if you take a look at this, yung equity plus yung...

minus the market value, may capital appreciation pa dyan.

Yung capital appreciation, paper gains lang ito.

Hindi talaga na-enjoy.

Ang money talaga ay nandun sa rental income.

It gives you a sense of security na if you dispose it,

this is the capital appreciation that you will expect.

So yung economic value niya, yung cumulative net income plus the market value,

so tumataas yung economic value niya.

And that's the reason why I like investing in real estate.

At kapag ika-compare lang natin yan with the stock market at that time,

so given the same amount na inilagay,

so sinide by side ko siya.

So if you take a look at this,

nag-de-dip kasi eh.

Tingnan tong yung stock market.

691,000 nung 2007.

Tapos nagka-crash nung 357,000 siya.

Pero yung economic value nung rental, pataas pa rin siya ng pataas.

So if you put it in a graph,

yan siya.

Yung stock market, taas-baba.

And the rental property, mas smooth.

So yung iba, kapag rental property pinag-uusapan,

ang default nila ay condominium yung i-invest.

So magandang investment ba yung condominium?

And I have here a video that we can watch for a bit.

Anong kailangang tanggaan sa negosyong parentahan?

Anong kailangang tanggaan sa negosyong parentahan?

Ang pinaka-importante, kailangan mayroong positive cash flow.

Kung kumuha ng loan, kinakailangan ang rental income ay mas mataas kaysa sa loan amortization.

Kailangan din kumuha ng property insurance.

Ayon.

So short video lang siya.

Pero marami kasi na nag-i-invest sa condominium.

Pero hindi nababawi yung investment kaagad.

So yung guidelines for real estate investing natin,

kung nakakapag-provide siya ng rental income,

then that's a rental investment siya.

Should have positive cash flow.

And then return of capital or investment within 8 years.

Or pag ang gagawin mo lang dyan ay ganito.

Pag dinivide mo yung...

Magkano yung amount nung condominium divided by the monthly rent?

Kung more than 100 yung lalabas,

it's not a good investment because that's going to be greater than 8 years.

Ang 8 years kasi ay 96 months.

So kung less than 100 months siya, para quick lang yung calculation natin,

okay yun.

And based on my calculation with the condominium,

pag sinisimulate ko siya,

lagi siyang nasa 240 months.

180, 240, 300 months.

Ganyan. Matagal mabawi.

So I don't think it's a good investment.

Lalong-lalong na ngayon at wala na yung mga pogo.

Kasi yung mga pogo dati yung nag-be-be-up ng price.

Yan.

Okay?

So kapag tayo po ay bibili ng condominium,

ito yan ha.

So do your own research on rental potential of the area

before making your purchase decision.

So magtanong-tanong muna kayo doon.

So kung bibili kayo ng condo for rent,

pumunta kayo doon sa condominium mismo,

tanong nyo yung guard,

magkano yung going rental rate doon ngayon.

Kasi yun yung magiging i-expect mo.

Huwag mong titignan yung mga sasabihin nung nagbe-benta lang sa'yo.

Next, cross-check agent information with disinterested party.

Yun nga.

Doon sa mga guard mismo.

Pwede kang pumunta sa mga online.

Mag-increase ka ng down payment

para umikli yung payment mo sa bank ko

if you're not paying it in cash.

And at least match the loan amortization

with the first year rental rate.

Tapos increase natin yung loan term

kapag lower yung cash flow.

Pero ako, yun.

Kung hindi mo gagamitin na bahay

or opisina yung condo,

huwag ka na lang bumili ng condo.

Mas maganda pang mag-

Mas maganda yung may lupa talaga.

In my experience.

Kasi I also have a rental property dyan sa

Loyola Heights.

Sakto-sakto lang siya na 8 years.

So tignan nyo din.

Kasi yung second-hand,

I mean hindi brand new na condominium.

Usually mas may sense siya na bilhin.

Kasi mas mura siya.

No?

Than the published rates.

Okay.