00:36.4
na talagang ilalabas po nating pera sa ating tanang buhay.
00:40.4
At minsan, isang beses o dalawang beses lang natin magagawa.
00:43.6
Kaya bago po tayo maglabas ng ating pinagpaguran at pinaghirapang pera,
00:48.6
alamin nyo muna ang walong maling akala.
00:52.4
Kaya tayo ay nalulugay pagdating po sa property.
00:54.7
Kumuha na kayo papel at ballpen, take down notes.
00:57.0
Number one, biggest misconceptions.
00:58.7
Question and lie about property.
01:00.6
Buying property is always a good investment.
01:04.1
Ito lang po, FYI.
01:06.3
Hindi ko sinasabi na pangit na investment talaga siya.
01:09.3
Pero, pero, pero, i-quantify muna natin po anong ibig sabihin ng investment.
01:14.7
Investment is something that is purchased with an intent to profit or retail at a higher price.
01:19.8
Ang ibig sabihin, bumili ka ng property para ikang pagkakitaan, para tumubo.
01:24.7
Tama? So, next question.
01:26.8
Yung bahay na binili mo, yung property,
01:28.7
na bilhin mo, titirhan mo ba o papaupahan mo o ibebenta mo?
01:32.7
Pakitype lang sa comment section.
01:34.7
Type sa comment section.
01:36.1
Para sa mga taong nagsasabi na ibebenta o ipapaupahan in the near future,
01:41.0
ang ibig sabihin po, tama po, property is really a good investment.
01:44.9
Pero para sa mga taong sabihin, you are going to live there for the rest of your life,
01:48.4
it's not a good investment.
01:50.8
Again, kasi titirhan mo siya, wala kang planong irenta at ibenta.
01:56.2
So, ibig sabihin yan, that property,
01:58.7
purchase is not an investment, it's a liability.
02:02.0
Kaya nga, hindi po lahat ng binibili po natin na property ay investment po siya.
02:07.1
Okay? Clear na ba?
02:08.7
Number two, biggest misconception about property or lie,
02:12.2
you need a large down payment to buy property.
02:17.6
Sa panahon ngayon, andami na rin po ngayon na nagbibigay po ng mga reservation fee lang,
02:23.3
no down payment, at kung may down payment kayo, broken into two years to three years.
02:27.9
As a matter of fact,
02:28.7
nung nag-umpisa akong bumili ng property, just to give you an idea,
02:31.9
ang reservation ka lang yung property is P25,000,
02:35.4
tapos ang binabayaran ko lang per month for the next 24 months was only P12,500.
02:42.2
P12,500 for the next 24 months.
02:46.6
So, hindi nyo kailangan po ng malaking down payment,
02:49.3
lalo na kung ito ay tinatawag nating pre-selling.
02:52.2
Or meron din pong tinatawag na rent-to-own scheme, o rent-to-own.
02:56.3
So, parang ka lang nagbabayad ng upa,
02:58.7
kung gusto nyo malaman kung paano yan,
03:01.1
talk to your property specialist na.
03:02.9
Alam po nila yun.
03:04.0
Number three, biggest misconception about property,
03:06.5
ang tindi po nito.
03:07.6
Ang tindi po nito.
03:09.6
Renting is throwing away money.
03:13.3
So, much maganda, bumili ka na lang.
03:15.7
Buying is always better.
03:17.2
Ito lang po ang FYI.
03:19.0
Depende yan sa sitwasyon.
03:21.4
Lalo na kung ikaw, kung meron kang negosyo,
03:24.1
kung meron kang negosyo,
03:26.3
I-negosyo mo muna ang pera mo,
03:28.7
bago mo bilhin ng property.
03:30.1
Hindi nyo ba napapansin kami mga singkit?
03:32.4
Kadalasan po, nag-uumpisa kami.
03:33.8
Kung kailangan mo ng business for money,
03:35.6
umuupa lang kami, upa lang.
03:38.2
Kasi pag nilagay po namin yung 2 million pesos po
03:41.0
sa pagbili ng property,
03:43.0
hindi na po tutubo ang pera.
03:44.5
Makakasave lang kami sa rent.
03:46.0
Kaya rin, makakasave kami ng rent ng 20,000 a month,
03:51.7
Pero pag nilagay po namin sa negosyo,
03:54.4
yung 2 million pesos,
03:56.1
pwede kumita ng 50% per ano yan.
03:58.7
Kami ng 1 million a year.
04:00.2
So, ang ginagawa po namin,
04:01.4
nag-uupa na lang kami ng 20,000 a month,
04:05.2
So, mabahid namin 240,000
04:06.7
with a 1 million income.
04:08.7
Meron pa kaming 760,000.
04:11.0
Patutubuhin namin yung pera at negosyo
04:13.6
Sa tatlong taon po,
04:14.7
meron na kaming 2 million pesos.
04:16.5
Doon na kami bibili ng property.
04:20.1
So, ang kagandaan,
04:21.0
tuloy-tuloy pa yung negosyo.
04:23.5
Ito na yung fourth biggest misconception
04:25.9
and lie about ika nga property is this.
04:28.7
You have to own property,
04:30.8
your own property,
04:32.0
in order for you to earn from it.
04:37.1
nagbago na po yan.
04:38.5
Hindi mo kailangan bumili ng lupa at bahay
04:40.3
para ikaw pwede magpaupa
04:41.6
at pwede kumita sa property.
04:43.5
Oo, as a matter of fact,
04:44.7
for as low as 10,000 pesos.
04:47.6
pwede ka na mag-own
04:48.7
at kumita sa property.
04:50.6
Talaga? Saan yan?
04:51.7
Pwede mong paupahan sa 10,000
04:53.0
sa pamagitan ng REIT.
04:55.8
Real Estate Investment Trust.
04:57.7
O, meron na mga reyna,
04:59.4
that you can provide opportunities
05:01.0
for you to earn money
05:02.1
kahit ikaw ay tulog
05:03.1
at tinatawag na home ownership
05:04.7
or commercial property ownership.
05:07.1
Alam mo ba ngayon sa stock market,
05:08.7
pwede ka bumili ng REIT shares
05:12.9
Robinson's Nance Corporation.
05:14.7
Lahat, may pinapaupahan sila mga property
05:16.9
at pag bumili ka ng shares,
05:19.2
magbibigay sila ng dividend.
05:21.9
Yes, may dividendo.
05:23.6
So, on top of that,
05:24.6
pag nag-appreciate pa yung price
05:26.2
ng REIT shares niya,
05:28.7
double ang ating kita.
05:31.3
Bago natin pumunta sa number 5,
05:33.1
natututo na ba kayo?
05:34.3
Na-enlighten ba kayo?
05:37.0
Batiin muna natin si Chris4557,
05:39.7
si Nitoi Ibañez,
05:41.0
at the same time,
05:41.6
si Q from Batangas,
05:44.8
Ito na ang number 5.
05:49.4
ang inakamalaking misconception.
05:51.3
Kaya tapusin nyo itong video na ito.
05:53.0
Itong number 5 naman po,
05:55.8
the most expensive property
06:01.6
pagdating po sa investment,
06:02.8
kailangan natin maunawaan,
06:04.2
hindi lang yung parang pinakamahal
06:06.1
ang pinakamaganda.
06:07.5
As a matter of fact,
06:09.7
pagdating sa investment sa property,
06:11.3
hindi ang pinakamahal.
06:12.2
Yung pinaka-affordable.
06:14.2
Ang pinakamaganda.
06:15.3
Kasi sa totoo lang,
06:16.2
kahit gusto mong bilhin
06:17.5
kung wala ka namang pera,
06:20.2
Pero ang mas maganda rin,
06:21.4
as a matter of fact,
06:22.1
may kakilala ako,
06:23.2
ng mga taga-antipolo,
06:25.3
bumibili lang ng mga property
06:31.0
ang nagbibid lang po sila,
06:32.3
less than a million pesos.
06:34.0
Napapaupahan na nila.
06:36.4
In less than five years,
06:39.4
kung anong ininvest nila,
06:41.5
So, ano ibig sabihin po yan?
06:43.8
bumalik investment,
06:45.0
so ang return po nila,
06:46.3
nasa 20% per annum.
06:48.9
20% times five years,
06:53.1
Napakagandang investment.
06:55.2
yung mga matataas na mga kondo,
06:57.3
yung mga matataas na mga property,
06:59.4
ilang percent lang
07:00.1
ang pwede mong kitain per year?
07:02.0
Nasa five to seven percent.
07:03.8
So, it will take them at least
07:07.0
20 years or 15 years
07:09.6
Pero itong mga mabababa
07:14.0
Ikaw ang tatanungin ko,
07:15.5
anong gusto mong ROI
07:20.8
Number six misconception
07:22.4
about properties list.
07:24.1
Buying a property
07:25.2
is quick and easy process.
07:28.1
Hindi po gano'ng kadali yan.
07:29.3
Hindi ka bumibili ng candy sa ano.
07:31.6
Ang daming processing po yan.
07:33.6
Iche-check mo po siyempre
07:36.0
Iche-check mo kung bayad na ba yung tax.
07:38.8
diba, kung yung ano,
07:41.5
clean title ba yan?
07:42.7
Rights lang ba yan?
07:44.8
bago po kayo bumili,
07:47.4
make your own due diligence.
07:49.3
Pag-aralan nyo muna mabuti.
07:52.0
Huwag na huwag kayo
07:52.7
maglalabas ng pera.
07:53.8
Pag hindi nyo naintindihan,
07:56.5
huwag kayo maglabas,
07:59.1
And then number seven
08:00.5
misconception about buying property.
08:02.8
You can always sell a property
08:05.8
Yes and no lang to, ha?
08:07.6
tataas ang presyo
08:10.3
based on historical data
08:12.8
Pero, pero, pero, pero, pero, pero,
08:14.1
depende rin sa lugar.
08:16.9
And what if bumili ka ng property?
08:18.4
Walang right of way.
08:20.0
O, walang daanan.
08:21.5
Bumili ka ng property,
08:25.4
yung peace and order.
08:28.1
make sure lang po,
08:29.5
yung property na bigyanin nyo
08:31.1
ay talagang safe,
08:32.8
at the same time,
08:33.9
talagang maganda ang lugar,
08:35.8
maganda ang location.
08:36.8
Siyempre, location, location, location,
08:38.6
at siyempre may demand.
08:40.2
And last but not the least,
08:41.8
ito po ang pinaka,
08:43.3
pinaka importante
08:44.2
na kaya nyo nang maintindihan po.
08:47.0
pagbili ng property.
08:48.5
You don't need a real estate agent
08:50.4
to buy a property.
08:53.4
Pwede ka magkipag-direct na lang.
08:56.7
A real estate agent
08:58.8
can help you navigate the market.
09:01.1
Sila po ang magbibigay po sa inyo
09:03.8
suitable properties
09:04.9
for you to ensure also
09:06.5
yung transference of tax,
09:08.5
transference of deeds.
09:10.1
Trabaho ng real estate agent yan.
09:12.2
Kaya mas maganda po,
09:13.5
dumaan na tayo sa mga taong marurunong.
09:16.0
Minsan kasi sa gusto natin makatipid
09:18.0
na hindi na tayo magbabayo ng 3%
09:20.2
or 5% na commission po nila,
09:22.3
eh minsan napapahamak.
09:24.7
Kaya nga mga friendship,
09:26.1
bago tayo bumili ng property,
09:27.9
ito po yung 8 misconceptions.
09:30.4
buying property is always a good investment.
09:34.5
kailangan mo ng large down payment.
09:35.9
Hindi po totoo yan.
09:37.7
renting is throwaway money.
09:39.5
hindi po totoo yan.
09:40.5
Depende sa sitwasyon.
09:42.6
kailangan mo bumili ng property
09:47.7
you should buy the most expensive property.
09:50.2
Hindi rin po totoo.
09:53.4
is easy and quick.
09:54.9
May process po siya.
09:57.6
you can sell a property for a profit.
10:00.0
Depende kung saan mo siya nabili.
10:03.0
you don't need a real estate agent
10:05.0
to buy a property.
10:06.6
Sana naman na-enlighten po kayo
10:08.2
sa mga walong misconceptions sa property.
10:11.4
Kaya mga friendship,
10:12.3
kung gusto nyo pang matuto
10:13.5
about property investment,
10:15.5
na kung mag-tune in kayo sa channel na ito
10:17.7
at marami pa kayong matututunan,
10:20.5
pakicomment sa comment section
10:21.6
ano po ang natutunan nyo
10:23.4
And don't forget to like,
10:27.2
tamang karunungan,
10:29.0
ang susi sa pag-iyaman.
10:53.4
Thank you for watching!
