01:02.1
So, nag-expand tayo.
01:04.3
At bilang yan, sa katabi, nagkaroon noong Marsan Two na 14-unit apartment naman.
01:11.2
Tapos, yung ating property sa Quirino is 5-unit commercial property na 3 units doon ay mercury drug ang umuupa.
01:22.3
Ayan. Sa Rosario naman, tayo ay merong 6-unit commercial.
01:26.0
So, merong 6-unit commercial space, and isang space na lang ang hindi na-occupy dito.
01:31.7
So, sa harapan. So, kung meron kayong kakilala na taga-Rosario at gustong maglagay ng kanilang negosyo dyan sa building ng SEDPI,
01:41.5
feel free to contact us para malaman po ang mga details.
01:46.5
Ayan. At yung current naman na ginagawa natin at exciting na exciting na project ng SEDPI
01:52.6
is yung ating socialized housing.
01:56.0
At yung ating mga members sa Bisling.
01:59.2
Okay. Tapos, yung mga nasa pipeline, so nabili na natin ang mga lupa ng mga to,
02:05.1
eventually ay gagawan din ng socialized housing sa mga areas,
02:09.6
ay yung Veruelas, Agusan del Sur, Trento, Agusan del Sur din ito,
02:15.7
Salawag, sa Ilocos Norte, at Tagdina, sa Surigao del Sur.
02:22.6
Kung nag-iisip ka kung paano mo madadiverse,
02:26.0
yung real estate investment mo, or hindi ka pa nakakasimula at gusto mong mag-venture into real estate investment,
02:35.0
pwede kayong mag-participate sa Real Estate Joint Venture Savings Basket.
02:41.0
Yun ang sagot dyan sa diversification ng inyong real estate properties.
02:47.1
So ano ba yung Real Estate Joint Venture Savings Basket ng SEDPI Co-op?
02:56.0
nag-a-allow sa mga SEDPI members to participate in SEDPI Co-op real estate properties na nabanggit ko.
03:05.0
So usually, tayo ay nag-open sa mga social investors natin na mag-invest dito sa iba't-ibang mga real estate properties.
03:17.1
Pero another way to participate in this is yung mag-lagay tayo ng pera sa ating Joint Venture Basket.
03:26.0
By putting your investment dito sa basket of the real estate properties.
03:31.8
So hindi ka lang nag-i-invest sa Marsan 1 or sa Marsan 2,
03:36.2
mix yan ng iba't-ibang real estate properties.
03:39.4
So itong lima ngayon ang currently na nasa ating real estate basket.
03:45.7
So paano ba ito nag-work?
03:47.7
So yung ating SEDPI Co-op members,
03:50.9
nagde-deposit ng kanilang pera sa SEDPI Co-op,
03:54.3
and then ilalagay,
03:55.8
or pipiliin yung real estate Joint Venture Savings Basket as their savings option.
04:03.2
Then this will be professionally managed by SEDPI Co-op.
04:07.8
Yung pera ninyo ay na-pool is i-invest ng SEDPI Co-op sa mga real estate properties na nabanggit ko,
04:16.4
plus yung mga upcoming pa natin na real estate properties.
04:20.5
Then syempre, itong investment ng SEDPI Co-op dito sa mga real estate properties,
04:25.8
is magkakaroon ng gains kung syempre nakabayad ng renta yung ating mga umuupa,
04:36.3
or pwede din naman na magkaroon ng losses.
04:39.7
Let's say may mangyaring aksidente dun sa mga buildings,
04:44.1
o kaya naman yung iba ay hindi makapagbayad ng rent nila.
04:48.0
So this one, kung kumita, syempre ipapasa natin sa SEDPI Co-op members natin.
04:55.8
So ibabalik sa inyo yung pagkahatian na kita mula dun sa renta.
05:01.4
Pero kung meron namang losses, syempre, hindi lang SEDPI Co-op yung nag-aabsorb ng losses na yun,
05:08.1
pati yung Co-op members bilang hamay-ari ng SEDPI Co-op is nagsishare dun sa losses nito.
05:17.6
So ang real estate joint venture savings basket natin ay pooled savings,
05:25.0
from SEDPI Co-op members.
05:27.0
And then ini-invest ito sa iba't-ibang real estate properties.
05:31.4
As I mentioned, profit and loss sharing scheme ang ginagamit instead of interest on savings.
05:38.4
So kung ano yung nakolektang renta, yun yung pagkahatian na profit among the social investors.
05:48.1
So yung SEDPI Co-op ang nagmamanage ng pooled savings on behalf of the members.
05:53.5
Tapos yung members naman,
05:55.0
ay magbabayad ng management fee to SEDPI Co-op para i-cover yung mga administrative costs.
06:02.3
Yung mga members natin, pwede mag-deposit or mag-withdraw anytime,
06:06.9
pero subject to holding period guidelines.
06:09.3
Later on, ididiscuss ko kung ano itong binanggit ko na holding period.
06:17.5
So noong 2023, ito yung naging performance ng ating real estate joint venture savings basket.
06:25.0
So sa Marzan 1, kumita ito ng 6.2% per annum.
06:31.1
Marzan 2 ay 5.4%.
06:33.6
Madela 1, ito yung pinakamalaki yung kita, nasa 7.6%.
06:38.7
Rosario 1 is nasa 1.6% kasi last year, dalawa pa lang yung nakaupa.
06:45.1
Ngayon, meron pang additional tayo na umuupa dyan.
06:49.6
So lalaki yung ating yield sa Rosario 1.
06:51.8
Sa Rosario 2 naman is 1.5%.
06:55.5
Yung kinita last year.
06:58.2
So yung average yield natin for 2023 is 4.5%.
07:04.0
Dahil mag-i-increase yung renta for Madela 1
07:10.0
and dadami yung nagre-renta ngayon sa Rosario na building natin,
07:16.0
expected na lumaki yung ating average yield for 2024.
07:25.0
kung gusto ninyong mag-participate sa ating Real Estate Joint Venture Savings Basket,
07:30.7
ito yung mga terms and conditions.
07:34.4
So ito ay open to SEDP members.
07:36.7
So kung hindi ka pa member, mag-join ka lang ng ating SEDP Co-op.
07:41.9
And then minimum and in multiples of 10,000,
07:45.2
makaka-invest ka na dito sa basket na ito.
07:49.4
And then nasa maximum of 1 million pesos ang pwede nating i-invest.
07:55.0
Ang payout naman ay quarterly.
07:58.4
So kung ano yung kinita ng rental natin dun sa ating mga umuupa,
08:05.2
yun ang pagkahatian.
08:06.9
Yung dividends na yun ay iti-payout on a quarterly basis.
08:11.7
So ngayon, yung mga naka-invest sa real estate basket natin,
08:18.1
pagdating ng first week of April hanggang second week,
08:21.6
doon nila matatanggap ang kanilang payout.
08:25.0
Ang return nito ay nasa 4% to 7% per annum,
08:30.4
variable based on rental properties performance.
08:34.5
So pag nag-payout, mapupunta ito sa wallet,
08:38.6
and yung nasa wallet po natin ay hindi po kumikita.
08:44.6
And then in terms of holding period,
08:47.5
yung ating real estate joint venture savings basket ay nasa 2 years ang holding period niyan.
08:55.0
iwi-withdraw mo, meron tayong pre-termination fee na 10%.
09:00.6
So basically, itong real estate joint venture savings natin is more on a long-term investment.
09:08.4
So para sa mga purpose na more than 2 years yung kung kailan mo siya mawi-withdraw.
09:16.6
At least 2 years.
09:20.2
Tapos ang management fee natin for real estate joint venture savings,
09:27.7
Wala itong guarantee.
09:31.6
So ngayon, papakita natin kung paano ba mag-join ng SEDP Co-op.
09:37.6
So una, is to attend self-paced online PMES.
09:43.5
Then you pay the 100 pesos membership fee and 1,000 pesos na initial share capital.
09:49.4
And then mag-o-open tayo ng SEDP Kasosyo online account,
09:54.1
and inform yourself.
09:54.9
Make sure nyo din na ma-update yung inyong profile
10:00.2
para makapag-inform ka ng deposit sa ating real estate basket.
10:07.5
So ito yung ating link and QR code for our PMES.
10:12.9
Nag-share din po sa ating comment section ng details about our PMES.
10:18.1
And then don't worry, nandoon yung mga next steps na ifa-follow.
10:22.3
So yung deposit, saan tayo mag-deposit?
10:24.9
Paano tayo maka-access dun sa KSO natin?
10:29.6
Nasa instructions after ng PMES natin.
10:34.6
And then how to participate in REbasket?
10:38.6
So sa fresh deposit, mag-de-deposit ka ng investment mo in one of the payment channels of SEDP.
10:47.1
Tapos mag-i-inform deposit sa SEDP Kasosyo online, and then choose REbasket.
10:53.1
Pag-reinvestment naman, ibig sabihin yung pera ninyo ay nasa wallet na,
10:58.9
pwede nyong i-reinvest yun at piliin ang REbasket.
11:04.6
To check out our other high-yield joint venture savings,
11:09.0
pumunta lang sa link na ito at i-follow din itong,
11:14.1
pwede din pumunta dyan through the QR code.
11:19.9
So kanina merong nag-re-request,
11:23.1
pwede sana na i-assist siya to access his or her account.
11:29.0
So ito po yung ating ways to contact us.
11:32.8
So pwede po through Facebook Messenger,
11:37.2
o kaya naman po sa email na support at sedp.com,
11:41.4
pwede din kayong tumawag sa ating landline,
11:44.4
o kaya naman po sa ating cellphone.
11:46.7
Kami po ay nasa WhatsApp at sa Viber.
11:50.2
So actually, yung isang staff natin ngayon,
11:53.1
dahil nag-a-assist siya sa atin,
11:55.4
meron ng get-in-touch dun sa kaninang nag-comment.
12:00.2
So replyan nyo na lang sila para ma-assist namin kayo further.
12:06.9
So gaya nga nang sabi ni Servins,
12:09.2
ang pagyaman na pag-aaralan at na pagtutulungan.
12:14.7
Ngayon, kanina sabi ni Servins na first step in investment
12:19.1
is invest in yourself.
12:21.5
ina-encourage namin kayo to join us in our webinar.
12:27.4
Actually, hindi yan March 9.
12:29.8
Sorry, it will be on April 13, if I'm not mistaken.
12:37.2
So ano yung webinar natin for this April?
12:42.3
Learning Together, Productive Use of Loans to Increase Wealth.
12:49.0
So ito yung mga objectives natin.
12:51.2
First is to distinguish between personal and systemic factors
12:56.2
for over-indebtedness and craft actionable points to address both.
13:02.0
Susunod naman is apply appropriate financial products
13:05.7
like loans, savings, insurance, and investments
13:09.1
to finance income-generating assets, needs and wants, and emergencies.
13:15.3
Yung pangatlong objective is to enumerate and explain
13:20.0
the principles of equity,
13:21.2
ethical financing,
13:22.8
where people, not profit, comes first.
13:26.4
And pang-apat is use credit card properly to avoid paying interest,
13:31.3
avoid spending more, and maximizing rewards.
13:34.7
And lastly, strategize on how to lend money
13:38.9
to ensure 100% collection and preserve goodwill.
13:44.1
So ito yung mga nauutangan,
13:46.8
paano tayong makakolek at hindi ma-friendship,
14:17.9
for pag-ibig loyalty card holders,
14:20.7
10,000 for the CETIC co-op, social members.
14:20.9
So paano ba yung ating webinar? So ito ay via Zoom online.
14:21.2
10,000 for non-member.
14:23.0
So, maganda talaga na makuha mo itong mga discount na ito.
14:27.5
And not only that, pwede kang maging free if you apply as a SETI co-op ka-social member.
14:36.7
So, pwede niyong kunan itong picture for the QR code or pumunta sa link na ito
14:42.7
so you can register and get the details about our webinar.
14:46.6
Ayan. So, for the SETI co-op new member, just attend the PMES and pay the membership fee
14:58.1
and 1,000 minimum share capital para masure na maka-join ka ng ating free na webinar for you.
15:06.3
Ayan. So, ito again yung ating PMES na link and QR code.
15:11.3
Aside from our April debt management na course, ito po yung iba pa natin na webinars for this coming year.
15:23.5
So, sa May yung ating fixed income investing, June stock and co-op share investing,
15:31.4
and July real estate investment, August naman ay financial planning for child's future.
15:38.0
Sa September, guide to owning a home.
15:40.3
October, small business essentials.
15:42.8
November, digital banking and online investments.
15:46.4
Sa December, dalawa yung ating webinars.
15:49.5
Sa umaga ay financial planning.
15:51.3
Sa gabi naman is retirement and estate planning.
15:56.9
Ayan. So, again, ang pagyaman na pag-aaralan at na pagtutulungan.
16:01.8
Join na kayo sa ating mga webinar.
16:07.1
Finally, again, para dun sa mga,
16:10.3
hindi pa nakaka-register sa ating 2nd Socialized Housing Summit,
16:16.1
sumama na kayo at mag-register.
16:19.4
It will be about bridging gaps, building future, innovating solutions at our Socialized Housing Summit.
16:26.9
It will be in Ateneo de Manila University next week na, Monday and Tuesday, March 18 to 19.
16:35.4
So, as low as 500 for 2 days na yun.
16:39.8
Yun lang yung budget.
16:40.3
Yun lang yung babayaran ninyo for the registration fee.
16:44.5
So, para saan ba itong summit na to?
16:47.0
So, it aims to fortify collective efforts towards ensuring accessible, sustainable, and dignified housing for every Filipino.
16:55.7
Bridging gaps through innovation, collaboration, and shared expertise.
17:01.4
And so, mas showcase natin ang innovative housing models,
17:05.1
share government insights and programs, engage private sector involvement,
17:10.3
and navigate through land titling and people-led housing initiatives.
17:15.9
So, yung ating keynote speaker ay si Senator Risa Jontiveros.
17:22.1
And yung ating mga speakers, so sa first day ng morning is si Sir Vince,
17:30.8
si Ms. Norlie Quesada-Cornley from Gawad Kalina, Ateneo,
17:35.4
Engineer Dexter Law from Sager University,
17:38.0
and sa hapon naman is si Dr. Marife Balesteros from PIDS,
17:45.6
Atty. Tayot from SHAPSI,
17:48.9
Atty. Manaog from SEDA.
17:52.8
And on our second day,
17:55.6
nandyan naman po si Engineer Mendoza ng OSHDT,
18:01.9
si CEO Acosta ng Pag-ibig,
18:05.4
and si Mr. Buncerito,
18:08.0
founder ng City Hub.
18:10.0
And yung ating last day is,
18:14.0
last day ng afternoon,
18:16.0
si Engineer Bersosa ng D.A.N.R.,
18:19.0
si Mr. Kamrul Tarafder ng ASHA Philippines,
18:24.0
si Mr. Buboy Magahis from Kilos Maralta.
18:28.0
Actually, we will be joined by
18:33.0
key officers of Habitat for Humanity, pati na rin po ng D.A.N.R.
18:40.0
Super ng late na silang nag-ano, no, pero
18:43.0
idagdagdag natin sila sa speakers natin.
18:46.0
So talagang punong-puno yung ating matututunan
18:50.0
sa ating second Socialized Housing Summit.
18:54.0
So we would like to thank our partners, Pag-ibig,
18:58.0
and our media partners, TV5,
19:01.0
Radyo 630, at DZBB.
19:08.0
ang pagyaman na pag-aaralan at na pagtutulungan.
