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.
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.
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.
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.
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.
Sta.Rosa is a considered as the Makati of the South especially in the province of Laguna because of its aggressive economic activities. It is home to some of these special economic zones and industrial parks which includes the following: Laguna Technopark Inc., Greenfield Automotive Park, Toyota Special Economic Zone, Lakeside Evozone Nuvali, Daystar Santa Rosa Industrial Park, Santa Rosa Industrial Complex and Meridian Industrial Complex.
Get the best value for your money at Berkley Heights Subdivision! This 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. This is suitable for medium-large size Filipino family.
Batch 8-9 Berkeley Heights Sta Rosa Laguna
TOTAL CONTRACT PRICE: P954,382.00
Payable in 18 Months: P10,048.00
Rent to Own option is available through their in-house financing for 15Years: P9,660.00 / month
HLURB LTS Number 26435
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.
My House Hopper experience for the past months made me realize that searching for that dream house is a daunting task. Kailangan mo ng pasensya, tyaga at higit sa lahat dapat may malinaw ka rin ideya kung ano ba ang gusto mo. When you know what you want, it's easier for you to find the property that best suits you.
I hope by reading these 5 practical steps, you'll be guided in finding your own dream house. I also included some house and lot properties I've personally visited which you might want to consider. :-)
1. Determine how big and what type of house would you like for your family. Remember that this is a big investment and a long term commitment so you really have to be sure of what you want to avoid future regrets. Think about how big your family will be if you are a couple just starting out. The number of rooms in your future house may be determined by how many members you have.
For a newly wed couple or those starting their small family, these very affordable units in Valle Dulce or Valle Alegre in Calamba City, Laguna maybe a good start. It can also be a retirement house for couples who would like to settle outside Metro Manila but still accessible to major establishments and their needs.
2. Choose a location. Location is always the number one concern for many home buyers. Take into consideration the future plans for your children, such as what school are you planning to send them to? And most importantly, if you are the bread winner, the house should be accessible to your workplace. This is the part where you will schedule site visits to get the feel of the actual turn over units. 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.
I've noticed that properties in BULACAN and CAVITE are very in demand! From affordable to middle range properties, they have it.
3. Calculate your finances and define your budget. Once you have identified a location and the type for your dream house, it’s now time to do the math, with your current financial status, how much money can you invest in your monthly amortization? This is where the trusted realtor and real estate agents from Driven Marketing Group can help you.
They can easily identify the available houses that are within your range, with only few adjustments to your choices, I am pretty confident you will find the best suitable property for you. I also hope my house hopper blog posts are useful to you.
Do you want to treat yourself to a little luxury? SOUTH FORBES, a private enclave in Sta. Rosa – Silang – Tagaytay growth corridor which is a 500-hectare master-planned township of boutique communities that perfectly combines residential, leisure, academic and sports components to deliver a highly urbanized lifestyle might be the one for you.
4.Secure your documents. After choosing the best unit for you, immediately work on the reservation papers. (Reservation fee and One Month Pay slip) After the reservation, you will be given a month to work on the remaining documents and have them be submitted to the developer. Most developers would reply the following:
DISCLOSURE: I am an Accredited Online Lead Generator for Driven Marketing Group.
5. House Improvements. So you have finally chosen the best unit for your family in your best preferred location and you managed to reserve it. Now all you need to prepare for is the interior improvements you will need to do once you are ready to move in. You will have a long time to prepare for this. You can either search the internet for ideas or hire an interior designer!
One of the best things I enjoyed during my house hopper stint is being exposed to different creative interior designs... I love it when I see different possibilities despite what seems to be a blank small space for me. :-)
This 2 storey towhouse with provision for 2 bedrooms and 1 toilet can be yours for as low as Php 7,137* monthly through PAG-IBIG loan. Yup, that's right! I've visited Amaris Homes in Brgy Molino Bacoor, Cavite several times when I joined the clients and agents during the FREE Site Tripping given by Driven Marketing Group. This is one of the most vibrant community favored by many.
Amaris Homes offers the model house
ELYANA Basic with Floor Area of 46 sqm but with different lot options.
I'm your House Hopper Apple Allison.
You can contact my mobile # 0917 739 8227 if you have any question about Amaris Homes or if you need assistance in finding your own dream house and lot in different locations. Tutulungan ko kayong makausap ang tamang tao para mag-assist sa pagkuha ng tamang bahay para sa inyo.
Please take note of these INITIAL REQUIREMENTS in case you want to reserve your own unit at North Fairway Homes in San Jose Del Monte, Bulacan.
If you will avail the PAG- IBIG LOAN, please make sure to comply with these REQUIREMENTS TO BE SUBMITTED within 30 DAYS after you made your reservation.
For Regular Employed Member / OFW
Hi, I'm Apple Allison of Sole Searching Soul, a travel blog dedicated to Make a Difference One Trip at a Time.