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Kadalasan iniisip natin na ang pagkakaroon ng sariling bahay ay para lamang sa mga empleyadong mataas ang sweldo o sa mga pamilyang nasa middle-class. Isang maling kaisipan na gusto kong itama sa pamamagitan ng blog post na ito. 
Marami na ang programa ng murang pabahay ngayon at ilan nga sa mga nabisita ko ay nasa Cavite at Laguna. Ito lang ang mga dapat mong alamin: · Miyembro ka ng Pag-ibig at may 24 buwan na hulog · May trabaho o maliit na negosyo · May pangarap na magkaroon ng sariling bahay para sa pamilya Para sa mga naghahanap ng murang bahay sa Calamba, pwede nyong tignan ang VALLE DULCE at VALLE ALEGRE na projects ng Filinvest. This is the BERNICE house model which you can reserve for only Php 5,000!!! Yes, FIVE THOUSAND lang po ang reservation fee. Nasa Php 6,692* lamang po ang equity o babayaran nyo for the next 12 months samantalang may option kayo to pay the balance in 30 years for as low as Php 4,007* kaya magaan po ito sa bulsa! Other Financing options are also available.  Una, kung ikaw ay isang empleyado, kasama sa mga ikinakaltas sa iyong sweldo ay ang Pag-ibig membership fee. Kapag member ka na ng Pag-ibig, sa loob ng 2 taon lamang ay maaari ka na mag housing loan. Ang laki ng loan ay nkdepende sa taas ng iyong sweldo. Ikalawa, kung ikaw ay maaari na magloan, pwede ka na magsimula maghanap ng mga murang pabahay na pwede i-loan sa Pag-ibig. Kadalasan ang mura lang ang mga ito at kayang kaya ng mga simpleng pamilya. Sa Pag-ibig loans, papahiramin ka ng pera upang mabayaran mo ang kabuuang presyo ng bahay na bibilhin mo, pagkatapos nito ang perang nautang mo sa kanila ay maaari mong bayaran ng buwanang hulog sa loob ng 25 -30 years. Ang tawag dito ay monthly amortization. Ang pinakamataas na pwede mong makuha ay 40% ng iyong buwanang sahod. Halimbawa, kung kumikita ka ng 10,000 sa isang buwan, maaari kang kumuha ng bahay na hanggang 4,000 ang monthly amortization. Kailangan mo lamang isumite ang mga dokumentong hihingiin ng inyong developer. May mga murang pabahay na umaabot lamang ng tatlo hanggang apat na libo ang hulog kada buwan! Hindi mo na kailangan mangupahan!
 Hindi mo kailangan isipin na mataas ang down payment ng isang bahay na bibilhin. Ang downpayments ay kadalasan hinahati hati din sa ilang buwan. Merong mga 24 months to pay -12 months to pay. Para ka lang din nangungupahan. May mga promo din na magcash out ka lang ay maaari ka na lumipat tulad ng LIPAD AGAD promo ng BERKLEY HEIGHTS sa Sta.Rosa Laguna sa halagang 35,000* pesos. Kailangan mo lang isa-alang alang na ang buwanang hulog ay mababa lamang. Habang nagrerenta ka, pag dating ng panahon ay mayroon ka nang sariling bahay at lupa. Sana makatulong eto para mas lalo kayong magkaroon ng lakas ng loob para magsimulang abutin ang pangarap nyong bahay.  I am your HOUSE HOPPER Apple Allison and I'll help you find your dream home together with the trustworthy and committed DRIVEN family. You can send me a message using this CONTACT FORM or feel free to call/text my mobile number 0917 739 8227.
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First time home buyers are often trapped in hard decision making situations especially for most Filipino families who considers a lot of things before getting their own house and lot. Regardless of the urgency of the situation, buyers should never make a decision that would put them at risk in the future. Here is another helpful list of 4 common mistakes of the first time home buyers. I hope by reading this post, you'll avoid falling into the trap of any of these.  DID YOU KNOW that Amaris Homes in Cavite offers the model house ELYANA Basic with Floor Area of 46 sqm but with different lot options for as low as Php 1,274,050. You can reserve this beautiful townhouse for Php 10,000 only! 1) They do not have a concrete budget plan. This is where most of us should start. Its like wondering around the grocery store, looking for the stuff you need but you don’t have any idea how much your pocket contains. It could only result into two things; either you go over or under your financial capacity. Going over budget would result to debt, which nobody wants. 2) They cannot decide on what they need exactly. This is generally a picking error. One day you decide you wanted a two storey, next morning you want a duplex. You cannot make up your mind on what type of house, in which location from which developer. You end up having to reserve different units and retracting your decisions which cost you a lot of money. Before diving into the market, make sure you have the specific list of the things you are looking for in your future house.
READ my previous post for practical tips about finding your dream house and house with suggested different properties for you to consider.  3) Not being aware of the hidden/other costs. You might probably have a budget in mind and you stick to it, but you forget about the other hidden charges you may need to pay. This results to you, needing more money than what you expect to spend. Always remember that a good budget plan includes an extra allowance for other unexpected expenses such as documentary expenses, bank fees etc.
 CALL or TEXT me at 0917 739 8227 for any questions about the properties I've featured on this blog. I'll be happy to assist you in finding the right home for you. 4) They forget about the after sales renovations. This is a common mistake for many first time home buyers. Once they have been presented with the model house, they instantly fall in love with the aesthetic aspect, forgetting about the fact that they have to pay for the interior renovations. So they forget to prepare financially for this aspect. From bare unit...  To this... Remember that most of the actual turn-over units are bare so you have to allot a budget for interior design and other things you want to add.  Searching for your future home can be both daunting and overwhelming. I have seen a lot of first time home buyers make plenty of mistakes, either for buying a house more than they could afford or for not being happy about the result. Consider the guidelines listed above. Preparation is the key to success. Always consider the future. I'm your House Hopper Apple Allison and you can contact me at 0917 739 8227 if you need help in finding your dream house. Don't forget to read my other blog posts for affordable properties near Metro Manila.  DISCLOSURE: I am an Accredited Online Lead Generator for Driven Marketing Group.
Draw your dream. This can mean literally or figuratively. Put specifics into your dream house. Write down how many storeys, how many rooms, would you like to have a little garden outside? Do you want a carport? These are the things that you would like to see in your future home. With so many options available in the market, I am pretty confident that you’ll find an offer that will suit your needs. A vision board of different house models and properties can also be a big help. You use the flyers given to you or you can also come-up with a digital version so that you always see it. Like in my case, I particularly love the house models in South Forbes so I put it in my vision board.  I particularly like the design of this clubhouse in one of their themed community so I included it in my dream board together with other house models that I loved.  Chase your dream. You know I never thought that my house hopper adventures will open my eyes to bigger dreams... for a while I was already contented of what I have and I'm secured of having my own house and lot in the province but now I'm chasing my bigger dreams. My regular site trips let me explore more options, take more inspirations and ask more questions. 
Did you know that Liora Homes offers an affordable yet rewarding residential community. This is one of the MyCitiHomes projects I visited several times when I joined the site tripping of Driven in the past months. I noticed that there are many interested buyers after they've seen the actual project.  You can contact my mobile 0917 739 8227 if you want to visit any of the properties I've featured on this blog!  Work for your dream. We all know why we call owning a house, a-dream-come-true to everyone, because it is expensive. It has a price we need to pay for. We calculate, we budget and we deal with financial sacrifice. We have to make sure it is all worth it. You can find a suitable house for you in an affordable price. Assure that it is within your budget range. Don't forget to read my previous blog posts for affordable house and lot properties which you might want to consider.
Keep your dream alive. Let us say you have achieved your goal of finding your dream home. You were approved for a housing loan and everything else in process went smooth. A housing loan is a long term commitment. Do not forget to pay your dues on time and be responsible enough to keep your monthly payment updated. Remember that even though you have already been approved for a housing loan, you can still be penalized or worse get your property foreclosed.
For most city dwellers, they prefer to invest in a condo unit because of its strategic locations and modern comfort. In this blog post, I've curated 4 of the condo projects I've visited in my house hopper adventures and hopefully it will be useful in your search for your first or probably next real estate investment. Looking for a pre-selling unit in the City of Stars? You might want to consider Congressional Town Center, a 3-tower residential and commercial development located in #23 Congressioanal Avenue, Quezon City.
Compared to other properties, the Congresssional Town Center will only have a maximum of 22 units in each floor with price ranging from Php 1.4 million (Studio unit) to Php 6.3 millions (3-BR unit) inclusive of Furniture, Processing Fee, Transfer Fee and E-VAT (if applicable). I'm your HOUSE HOPPER Apple Allison and I'll help you find your dream home away from home through my blog post series about my site visits in the different real estate properties in the Philippines.  Disclosure: I am an accredited online lead generator for Driven Marketing Group. Golden Empire Tower is one of the most loved high rise residential condominium along Roxas Boulevard. Facing the scenic Manila Bay, this property has 57 floors including 2 basement, 317 residential units and 832 parking slots, thus making it one of the biggest and the finest when it comes to condo living.  The units available in Golden Empire Tower are from 3-4 Bedrooms with price range starting from 18M – 40M For a modern family with 2-3 kids these units are perfect for condo living. The 24 hour-security system keeps your family safe and your mind at peace. At the end of each day, you go home to your family and enjoy the fruits of your hard earned money. There’s nothing more you could ask for from life. Read about my first impression of the 40 million peso condo unit. Adjacent to Golden Empire Tower is the newly opened GRAND RIVIERA SUITES which is towering 55 floors along the busy street of Roxas Boulevard right across the U.S. Embassy, neighboring establishments include SM Mall of Asia, Robinson's Place Manila, UP Manila, St. Paul University and De La Salle University. It’s a perfect location for a household with students and working professionals.  Relatively more affordable than Golden Empire Tower, the units at Grand Riviera Suites are for sale ranging from as low as 2 to 9 million pesos. The payment options are flexible, including In-house Financing, Bank Financing or Spot cash with big discounts! For inquiries, please contact my mobile 0917 739 8227. I can also arrange a site trip for you. Just let me know how I can assist you in your search for condo unit or house and lot in Metro Manila. :-) 
 If you like any of the properties I've featured on this blog, please feel free to contact me so that I can assist you in securing a slot for the FREE SITE VISITS. Please contact my mobile # 0917 739 8227 for inquiries and sample computations. You may also use the comment form below. Thanks!
1) SAVANNAH VILLE is located at Malagasang 1C, Imus, Cavite which is highly accessible from major establishments like Near Shopwise, Puregold, S&R Shopping and District Ayala Mall. Currently, they offer Amoldine and Savanna 60 house models for Residential Unit and Savanna 52 house model for Commercial Unit with the lowest Total Contract Price of Php 905,600* 
 For SAMPLE COMPUTATION or FREE SITE VISIT, you may send me a message using the comment form below or CALL/TEXT me at 0917 739 8227. 2) BELLA VISTA offers LIPAT AGAD Promo for as low as Php 35,000 equity! The townhouse in Bella Vista can accommodate two bedrooms and one bath and toilet. They normally have a floor area of 53.0 square meters and a lot area of 50 square meters which is available for about Php 950,000* only! This community is located at Brgy. Santiago, General Trias, Cavite. It's 45 minute drive to Baclaran via CAVITEX or Alabang via Daang-hari Road. It's just 8 km away to The District Mall by Ayala.  You can reserve your dream unit for Php 10,000 and pay the Php 25,000 Equity. Monthly amortization for 25 years is about Php 8,946 only. Don't miss this chance to avail their LIPAT AGAD PROMO! Contact me now at 0917 739 8227 so that I can refer you to the right Driven real estate agent who will assist you secure your own unit. This property is one of the fastest selling projects I've visited in the past months as house hopper.
3) BERKLEY HEIGHTS SUBDIVISION gives you easy access to work and home in Sta.Rosa, Laguna. This is suitable for medium-large size Filipino family with a bugdet of Php 954,382* for their dream house and lot.  Their 2 storey townhouse unit features a full concrete slab second floor with a floor area of 57.2 square meters which can fit up to 3 bedrooms, 1 Toilet & Bath as well as provision for car garage. 
Lipat Bahay Agad! Bella Vista offers Php 35,000 Lipat Agad Promo for New House and Lot in Cavite9/27/2015 Anong bibilhin mo sa 35,000 pesos? Gadget? Bagong laptop? Bakasyon? What if sa halagang 35k eh pwede ka ng lumipat sa sarili mong bahay at lupa? Bella Vista ay isang murang pabahay project ng Deca Homes na kilala sa kanilang iba't ibang housing projects sa Pilipinas. This property is just 45 minute drive to Baclaran via CAVITEX or Alabang via Daang-hari Road kaya naman marami sa mga nakatira dito ay nagtatrabaho sa Metro Manila o di kaya naman ay pamilya ng OFW kasi magaan sa budget ang monthly fee nila. 
 TOTAL CONTRACT PRICE for Bella Vista Townhouse unit is Php 950,000 only!  You can reserve your dream unit for Php 10,000 and pay the Php 25,000 Equity. Monthly amortization for 25 years is about Php 8,946 only. Don't miss this chance to avail their LIPAT AGAD PROMO! Contact me now at 0917 739 8227 para po ma-irefer ko kayo sa tamang Driven real estate agent na tutulong para makuha nyo ang unit na gusto nyo.  During my tripping, I noticed na maraming pamilya ang interesadong kumuha ng unit at nag-uunahan sila sa pag-reserve lalo na at marami na ring nakatira sa community at malapit rin eto sa mga schools like Lyceum, DLSU Dasma, STI, EAC, PCU and NCST. Malls like Waltermart, The District Mall, Robinsons Pala-Pala and SM Dasma are also accessible from Bella Vista. I'm your House Hopper Apple Allison at tutulungan ko kayong makausap ang tamang Driven Agent para mag-assist sa pagkuha ng tamang bahay para sa inyo. You can contact me at 0917 739 8227 for any questions related to these real estate properties featured in my blog posts. YOU CAN ALSO USE THE COMMENT SECTION BELOW TO SEND YOUR INQUIRY OR QUESTIONS.  DISCLOSURE: I am an Accredited Online Lead Generator for Driven Marketing Group.
So in the previous blog post, I have explained to you the various types of houses and some terms in real estate that you might find confusing. I’ve come up with another list of terms to guide you. Even though your realtors and agents are there to explain things to you, it will still be better if you have a basic understanding of these terms so you will not mistakenly commit to anything beyond your control. Total Contract Price (TCP) – this is the total amount of the property you are intending to buy. House and lot price in total. Loanable Amount – The maximum amount that you can loan from the bank, developer or Pag-ibig in order to acquire the property. For example the total contract price is 2 million pesos, the loanable amount is 1.7 million, and this means that the 300 thousand pesos remaining should come from you to complete the purchase. Down Payment – Required amount for the home buyers to pay before they can move in to the house and make improvements. In most cases, DP is divided into 12 equal payments payable in 12 months. After which the buyers can now assume the property and start the interior enhancements. Reservation Fee – The fee you need to pay to secure the reservation of the unit right away. After the reservation, you will be given a month to secure the required documents and start the monthly down payment. Deliverable Unit – The actual turn over unit from the developer. These include the description of what the home-buyers should expect in the unit they will assume. This information is normally printed in the flyers together with other unit descriptions. Here's a sample turn-over unit of Liora Homes in Cavite.
 Monthly Amortization -You need to pay attention to this detail, amortization will be your monthly payment to either Pag-ibig or bank. This is computed based on the number of years you will choose. If you want smaller monthly amortization, choose the maximum payment plan, which is 30 years. Here are some MyCitiHomes properties with very affordable monthly amortization which you might want to consider for your real estate investment.  Disclosure: I am an accredited online lead generator for Driven Marketing Group. Monthly Amortization for this property can go as low as Php 7,291* only. Located at Gen. Trias, Cavite just along the crossroads of Daang Hari and Arnaldo Highway, Liora Homes offers an affordable yet rewarding residential community. This is one of the projects I visited several times when I joined the site tripping of Driven in the past months and I noticed that there are many interested buyers who also availed their very low reservation fee after they've seen the actual project. Another project by MyCitiHomes is Amaris Homes which offers affordable 2 storey towhouses with provision for 2 bedrooms and 1 toilet in Brgy Molino Bacoor, Cavite which you can get for as low as Php 7,137* monthly through PAG-IBIG! CALL OR TEXT ME at 0917 739 8227 for inquiries and sample computation. You can also avail the FREE Site Trips to check these units.  These are just some of the basic terms you would normally hear while on the selection process of your future home. It is important that you have a full understanding of these terms because most of them deal with the financial aspects that include long term commitments. Familiarize yourself with these words and you will not be left out clueless! It will also help you choose the best deals in the market. You can now do your math! Which offer is favorable to you? Don't forget to read my previous posts for affordable house and lot in Bulacan, Laguna and Cavite. FEEL FREE TO BROWSE MY HOUSE HOPPER BLOG PAGE FOR INFORMATION AND PHOTOS OF AVAILABLE HOUSE AND LOT DEVELOPMENT I'VE VISITED NEAR METRO MANILA.
When I first ventured into real estate blogging, I didn't have any idea about these House Hunting Terms so I ended up confused during my first site trip. With my regular site visits and interaction with helpful real estate agents from Driven Marketing Group, I got to know more about the jargons used in this industry. I think this will be useful for you too. Single Attached VS Single Detached Have you ever wondered about the difference between the houses that are attached and detached? As you might have been house hunting for several weeks now, you may stumble upon the options of several subdivisions offering these types of houses. How would you know the difference?  Single Attached means that a house shares a common wall typically on both sides of the property. A duplex can be considered as an attached one. It is composed of two dwellings in generally one structure. While on the other hand a Single Detached property stands alone and with extra spaces of lot around it. Row House VS Town House The idea of these two types is the same and that is wall sharing. Row Houses are single storey units while town houses are two-stories. Some developers would initially offer row houses because they cost lower and is preferred by young starters. Later once you have acquired the property already, you will be given the chance to construct second level if you desire more rooms. When it comes to the lot, the individual unit owners are responsible for their front and back lot areas. Did you know that MyCitiHomes is known for their several townhouse projects in Cavite?! Below is the sample row house model offered by NuVista in San Jose Del Monte City, Bulacan. Minimum Lot Area is 36 sqm with Floor Area of 21sqm Total Contract Price is Php 650,000. You only need Php 5,000 to reserve this unit!  Please contact me if you want to avail the FREE SITE VISIT so that you can personally check Nuvista and other developments in Bulacan which are highly accessible to Quezon City especially to Fairview.  Multi-Pod, Inner Unit and End Unit You probably have thought about getting Multipod units in some developers of your choice but you are confused which unit will you choose. Generally speaking, multipods are 3 – 4 units of houses attached / in a row. The two inner units will only have access to their front and back side of the lots but they are cheaper than end units as well. So for budget conscious buyer, inner units are advisable. End units are more expensive because the price includes the side lot usually provisioned for carports and small gardens. I've noticed that End Units are usually the preferred by house buyers and most of the time they reserve it in advance. Chances are, you'll have more options when you invest on pre-selling properties like Bali Hai Residences in Imus, Cavite which offers END Unit with lot area of 91 sqm for a total contract price of about 2,051,888.  DISCLOSURE: I am an Accredited Online Lead Generator for Driven Marketing Group. I'm your House Hopper Apple Allison and you can contact me at 0917 739 8227 if you need help in finding your dream house. Don't forget to read other blog posts for affordable properties near Metro Manila.
1. Location - Your initial main task is to figure out what kind of city or neighborhood would you want to spend most of your future. Consider the economic stability, variety of population (both young and old), proximity to the necessities of your family such as schools, malls and even hospitals. For those who are working in Metro Manila, what I noticed is that they tend to look for house and lot in Cavite, Laguna and Bulacan areas. Here are some of the available properties you would also like to consider. 
2. Type of Settlement – Now this is where most of the home buyers get confused, either to get a condo or a house and lot in subdivisions. To help you decide, get advice or read articles about the differences of the two. Once you have decided, you can read my article about 10 Tips for Condo Buyers or if you have decided to get a unit in a subdivision, I also have an article about the Types of Houses.
CONTACT ME at 0917 739 8227 if you're interested to know more about these properties. Feel free to message me so that I can also send the sample computation or arrange a FREE Site Tripping for you.  3. Budget – This is very important; you have to be firm with your budget. Reserve some allowance of extra expenses such as documentation fee and bank processing fees. Choose a budget range that fits your current financial status, always be clear about with your realtor. Do not go over budget because this will cause you future financial trouble especially when you're applying for a house loan. DID YOU KNOW that AMARIS HOMES offers affordable 2 storey towhouses with provision for 2 bedrooms and 1 toilet in Brgy. Molino Bacoor, Cavite which you can get for as low as Php 7,137* monthly. Many of the unit owners here are working in Metro Manila. Start everything right at Amaris Homes located at the crossroads of Molino and Daang Hari Cavite, Amaris Homes is the next best thing you could possibly have for a fresh new start.  DISCLOSURE: I am an Accredited Online Lead Generator for Driven Marketing Group. 4. Documents - You have to be prepared as well with the documents that will be needed. Most of the developers would assist you in applying for housing loans, but the documents are under your responsibility. I have a listed the possible / most common requirements you might need to prepare. Check the basic list below. For Locally Employed Housing Loan Application with recent ID photos of borrower Membership Status Verification Slip 2 Valid ID’s (government issued ids preffered) Proof of Income
For OFWs Housing Loan Application with recent ID photos of borrower Membership Status Verification Slip Proof of Income
Prepare your checklist before implementing the first step so that you will have a guide as you go through the process. It may not be as easy as 123 but at least having a direction would make the task lighter and you’ll have brighter outlook while searching for your future home!
Are you looking for your new home way from home that's near UST, FEU and UE? I highly suggest you consider Searidge Tower, a 7 storey building in a residential area.  Less than 3 km away from University of Sto.Tomas, this quality project in Sampaloc, Manila can be the next hot item for your real estate investment especially if you are eyeing for a CONDOTEL or DORMTEL building. Searidge Tower 1 is located at 1534 Crisostomo St. Sampaloc, Manila. It’s within a residential area so you still get that community vibe. This property is exclusively marketed by Driven Marketing Group.  Searidge Tower expected turn-over is by February 2016 and once completed, there will be a total of 29 units available distributed in the following floors: Ground Floor: 10 Parking Slots and 8 Motor Parking spaces 2nd – 5th Floor (6 units per floor): (24) Studio Units with 21.96 – 22 sqm 6th – 7th Floor (2 units per floor): (4) 3-bedroom Units with 75.9 sqm Penthouse: Admin Office/(1) 3-Bedroom Unit with 75.9 sqm  The residential area where Searidge is located is flood free. You’re also feel secured with your neighbours and feel the residential vibe despite being close to major establishments in the university belt like the following: Education/Schools: Food Establishment: C P Garcia High School 0.48km Burger Machine 0.21km Zamora School 0.62km Andok's 0.35km Foundation College 0.75km McDonald's 0.67km Bagong Diwa School 0.78km Chowking 0.76km Republic Institute 1.02km Goldilocks 0.80km Calderon High School 1.03km Mang Inasal 0.82km 
If you like any of the properties I've featured on this blog, please feel free to contact me so that I can assist you in securing a slot for the FREE SITE VISITS. Please contact my mobile # 0917 739 8227.
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Hi, I'm Apple Allison of Sole Searching Soul, a travel blog dedicated to Make a Difference One Trip at a Time. Categories
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