hello guys welcome or welcome back to my
channel in today's video we're having
another tita talks
and today we're talking about real
estate investing
in your twenties or thirties or forties
actually depending on age
i also get asked a lot more recommend
property developments invest in and
while i appreciate
your trust is a real estate industry so
i don't think i'm the right person to
make these recommendations but the hell
of the love coho guys i actually asked
the help of my real estate agent
and real estate broker and a friend to
give some recommendations
i also got a comment recommending to
make our theta talks more conversational
because
it is engaged with
to make our theta talks more like a
casual chit chat session along
and yeah thank you for the
recommendation
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so just to share with you a bit of my
personal experience but i
know where i'm coming from i started
investing in real estate at the age of
25.
i got my first condo at the age of 25
and then i got my first lot at the age
of 29
by the way hindi pastopus investing
early in real estate
is one of the best if not the best
financial decision that i made
in my entire life financial decisions
we can talk about my money journey
happy with my decision for two main
reasons
first my net worth increased
significantly i'm not talking about a
couple of hundreds of thousands uh
i'm talking about millions just through
property appreciation
second since at the age of 25 malachine
financial commitment um condo
i also learned to prioritize my spending
and at the same time i've been more
creative in generating income
so i experienced tayan instilled in me
discipline when it comes to managing my
finances
and unfortunately indiana tutorial is a
school and in this
household so a lot of us learn it
through experience
and i'm glad nonetheless in my twenties
now i started early no you might be in
your twenties to thirties
and you might be thinking sigma invest
along with a real estate in five to ten
years
anyway i get to live with my parents
friends friends
when i got my first real estate property
i was viewing it more as a strategic or
opportunistic move
rather than a solution to a problem such
as
in five to ten years and a tournament
again opinion column if you're
it's actually a great time to start
investing because you have the advantage
and you can leverage on that first you
have less financial responsibilities
but also real essay properties are going
to be more expensive in the future
when you have your family now you need
to pay for all these bills
and child care banks
so ideally it would be easier to buy
properties in the future but your
situation when you get older and have
your
own family might make it more difficult
for you to get a property now so excess
disposable income you right now that you
use for travel
for shopping for gala you can actually
use to invest in real estate
second real estate properties are more
affordable now than in 10 to 20 years
of course unless my unforeseen event a
mangare give you an idea
which was a two-bedroom unit in pasig
area
was valued at 3.4 million in 2016 by end
of 2019
it was valued at 7.8 million pesos
property appreciation properties
just to set your expectations
the property value more than doubled in
just three years
pero you income cointina mentioned more
than double in just a span of three
years the unusual increase year on year
small corporations is what seven to
fifteen percent depending on my
promotion
so what i decided to delay that time 25
but this time around hindi gonna afford
new property
benefit is not tangible but as i've
mentioned this instills in you
financial discipline actually guys you
know
12-month rolling budget an income
projection i developed
on property because i need to have my
finances checked
and i need to know my cash inflow in the
future to ensure nakaya home buyer new
property and so far in
manchester improvements acting financial
behavior
so i invest in real estate marami
actually reasons
benefit and all that but for me these
are the three main selling points
first real estate property value
appreciates over time
think of it this way land is a scarce
resource
fixed
continues to increase exponentially as
in 10 years ago back when i was in
second year college based on tandana
back when i was in second year college
in population natin was at
87 million long by 2019
107 million filipinos now and it on 20
million additional people nato
in 10 to 20 years still an important
working force someone attacked against a
demand for residential and commercial
space can expect the potassium trend the
real estate properties in the future
second reason is real estate allows you
to leverage on someone else's money okay
one common misconception
country nathan is that masama and
like all forms of utang
but actually you can use that as a tool
to leverage
and lock in prices of real estate
properties while they are still low so
imagine this
in the span of 10 years nakai poncano 1
another million in five years so five
years later
two million pesos and customer property
after five years in property nion will
either be
sold already or selling at a higher
price
so when you leverage guys you use
someone else's money like in this case a
commitment bank financing to pay off
the property and then in return you pay
back the bank
on a monthly basis the principal amount
plus the interest
housing loan is one of the cheapest
forms of
debt case bank is a real essay property
which tends to appreciate over time
tends to be lower than like appreciating
whereas
i can actually lease out the property
and let it pay for itself through rental
payments
guys but this part is really important
what are the factors you need to
consider when investing in real estate
first one is location for me more than
the budget important elegant location
because i already limit you seriously
under location accessibility and
proximity center
estate property in case
accessibility is very important
it would take them an hour to get to the
nearest bank nearest hospital
nearest school nearest commercial
establishment
choose a property that's in the center
or near the center and accessible
through public transportation consider
it
works a school it's a hospital mall
it's a grocery and also assess gano
bhakta gallium commute or drive papunta
important and neighborhood party
community
i'd rather have a smaller lot in a good
neighborhood
than have the biggest lot in a bad
neighborhood
you have to take into consideration your
security and safety in
area member entrance
exit points no village or subdivision is
it the gated community
condensed in community meaning enough
roads
is
dal sobrang traffic neighborhood
and believe me when i say developments
recently flood prone by area
just do your due diligence and magda no
under the location then and obeying lot
or unit specifications
important young says a lot important
than young
champion
it's always better to have some sunlight
it's not facing any directions
no but these areas also tend to be
more noisy for condominium cement is it
near the elevator or the common area
again
area and tendency is and also don't just
depend on the count of two bedroom
one bathroom that's a comparable bank
two bedroom and one bathroom
also take into consideration the square
meter number
thirty three square meter along the two
bedrooms
and if you plan to start a family that
space may not be enough
also check the make of the units
is
the unit number ends in eight the sum of
the numbers is eight
so the things
and sometimes people are willing to pay
premium
house or unit number
four 24 44
property unit
four two to four
the new house number guys tapas house
coroner in la panaya 40 to 24
perro so take that into consideration
la luna if you plan to flip your
property because
development of economic activity so
metro mandela guys is very congested
a new property is tito sobrang
is if you invest in real estate
properties now murapa
fully developed like pampanga cavite
laguna
important because economic activity
pushes the prices up
airport can take advantage of the low
price especially area because the most
likely moksha should appear second
factor is in financial aspect
that is a financial aspect i'm going to
show the comparison is
price per square meter on a similar
property saving location
down
they've been more lenient with the
payment terms sometimes they allow you
to pay the
down payment of twenty percent in a span
of
three to four years
a real estate investing casino
processing fee was 10.5 of the project
cost
over fees means and for electricity and
all that so just ask your broker because
per developer for insurance for monthly
juice and real estate tax and of course
the financial aspect very important on
budget nathan
we're given all these numbers on a
monthly basis but don't stretch it out
too thin lina
kai masadam
like for example wedding travel and all
that also check if you have current
expenses
free up
so check where you can cut back on to
free up excess budget for the real
estate investment
third factor that you need to consider
is your purpose or horizon finding
expectations for the result mismatch
palace of purpose small
parasite real estate investment or is it
for self use
is it for leasing or is it
to buy and sell if it's for self use and
benefit new john is you can potentially
avail of cheaper housing costs
eventually property
most of the rental payment will go to
the mortgage so
ends the next five to ten years ago full
benefit number released
on property i'm at the take advantage mo
bug
fully paid for your name property if you
want to buy hold and sell
you're taking advantage of property
appreciation so
buy hold and sell measure heavy
investment okay
appreciation and property last part
before i give you my recommendations
well actually recommendations of friends
go the other market factories that you
need to consider
so first interest rate kuala kayo full
cash to pay for it malama magnolia
is cheaper so it's good news for
potential investors because you can lock
in prices at a cheaper rate
the opposing costs of borrowing money to
pay for it is also cheaper and actually
in the go offer in a low interest
apparently locked in for five years
so securing in the next five years
morality interest
second other market factor is domestic
and global
market environment awareness
pandemic so properties
at the cheaper
million versus 3.199 million
compatibility
in the property budding billionaire in
december january
because the next year smaller by 12
percent actually next month because the
next month
in just one month by 12 the last factor
of course
is the developer the one property is
quite under the mci for the condo and
ayala land avida for the lot
that i got in pampanga pampanga
but actually when i got the property i
wasn't only paying for it a lot but i
was actually paying for the potential of
the community
surrounding it and what's nice about
ayala is that they don't just build
buildings or build houses or offer lots
but they build communities they develop
communities
which means that businesses and
commercial establishments will start
popping here and there and would drive
economic activities
and also importance a developer a young
sales agent or broker
meredith brokered in second and i had a
bit of problem this is a sales agent
ever since so
you can always pursue the purchase with
someone else
insurance agenda forever
happy young journey news investment
yo so might as well close a deal with a
broker
or an agent so with that guys here are
the recommendations of people i can
recommend as well
are you sales
she's very generous when it comes to
providing information just a little
favor lang if you contact them
and you found them through this video
let them know in a second
properties in exchange but don't worry
guys
it's just that in commission
so let's go through the properties and
they recommend under ayala group of
companies
so the first one is with my sales agent
and it's avida aldea grove estates
actually it's apatos
properties bill hen this is located in
angeles pampanga a few kilometers away
from
marquis mall which is near the exit
and legs marissa along currently promote
150
000 peso discount if you can settle ten
percent spot down payment
by december 11. i'm sorry guys mention
it upload december 11th
right now secure 150 000 discount sample
computation
for 150 square meter in a lot young
constant property including vat is at
3.7 million pesos so when the spot down
payment came to 10
pence 150 000 discount spot the down
payment is 351 000 pesos and then for 48
months
a monthly down payment is seven thousand
seven hundred pesos super affordable
guys
and then you around three million
balance niko should not
screen your numbers needs to be financed
through bank second development
under my real estate agent is the aveda
park field settings
polyland so he said and actually guys
recommend the house a real estate story
and magenta feedback real estate agency
so
located in bulacan it's 1.8 kilometers
away from robinson's polylearn so mala
pichai's
center 144 square meter in a lot
2.9 million pesos in project cost so
it's fairly affordable no parasite ayala
property and my option carry on the no
spot down payment
initially out 0 reservation fee
of 20 000 and then monthly amortization
of around twelve
thousand pesos until twenty twenty three
that was afternoon
financing the turnover name property the
agent called for
those properties is jb contact through
the numbers on the screen i also told
him the inner recommendations
properties
and her name is jewell so
well for your queries
is the palms lake shore and it's ready
for occupancy
right beside the mexico exit so very
accessible in rhodes
and marine shop options the town house
and single attached home
so for townhouse merits along two story
options three bedroom and two toilet and
bath
and your contract price is just 1.8
million pesos you can settle the 15 down
payment
uh for 12 months uh at 22 000 pesos per
month
bank financing the afternoon tapas
buddhi nakayama move in pakistan
15 now for a single attached home meron
selling unit
two-story three bedroom and two toilet
and bath total contract price is 3.7
million so you can pay off the 15
down payment in 12 months at 44 000 per
month that was same with the other one
but economic move
in the settlement fifteen percent of
down payments
avida settings and example computation
is for 176 square meters
and contract price is 2.7 million pesos
the option then spot down payment so in
20
down payment is staggered for five years
at eight thousand six hundred fifty
pesos per month
stop us after no indonesia eighty
percent through bank financing
my interested
group of companies amaya series new
valley actually newly launched
this december 2020 and it's a town home
young inner unit kosnia is at 3.1
million pesos
10 spot down payment of 382 000 pesos
and then around 6800 pesos for the next
thirty months to settle the five percent
down payment
tapos young 85 remaining balance
will be paid through bank financing all
right guys so that is it for a real
estate investing in your twenties i know
outro you know what get in your bosses
go but anyway
i hope you enjoyed this chit chat
and suddenly enjoying this conversation
video so i'm planning to do a part two
for real estate investing
um where we answer your most asked
questions so thank you guys for watching
and to luknami after comic edit thank
you guys so much
and i'll see you on my next video bye
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is