Hello po Ms. Charm de Leon possible po ba na mag loan ng 1m pesos money from bank and how much do you think po ba yung monthly downpayment? sana po masagot nyo po Thank you po.
I'm planning to buy my first property but it won't initially serve as a home but as more of an asset to generate more income. I will rent it out in the hopes that a tenant's rent will serve as the payment for the amortization. And once that's paid off, I will still continue to rent it out and use the profits to generate more investments.
This was so timely!! Been looking for vids that tackle on how to start investing in real estate, but most are about how TO invest in real estate. Love this vid. Thanks Charm!
Wow. This video is a life-saver! You know, I'm a very impulsive person. I've had a few bad, impulsive financial decisions in the past I ended up regretting. Recently, I've been wanting to get another property (home loan) while my husband also has a loan. This video made me realize that I am not yet ready for this.
Waaaaah was really thinking about getting my own place since I just moved in a city permanently. Then I was looking for this video and poof totally not ready. Thanks for this Charm! 💯💯💯
Not yet ready, but looking forward to be one! Once, I have good cash flow. It is better to learn early though I don't have that kind of money yet. Thank you Ms. Charm!
Thank you for this video! very very informative. To be honest hindi kakayanin ng sweldo ko ang kumuha ng bahay. kaya sana makagraduate na itong kapatid ko at makapagsimula na rin sya mag-ipon. :( Soon, magkakabahay na rin kami. 😇
Everytime I watched your video lagi ako nadodown kase up until now even 1% wala pa ako naiinvest or ipon even a good job but once I heard your voice every positive vibes and thinking naabsorb ko lahat . Thank you for inspiring and helping us by sharing ideas . More videos to come po
Thank you so much for this video! Been thinking to start investing in real estate as well. Can you do a video about MRI? It's the first time I heard about that. Thank you.
Sana po manotice, ask ko lang po kung ano pong advice niyo sa situation namin, bumili po kasi kami ng property (apartments) may mga naagrerent po dun sa mga apartment kaso po may issue sila sa pagbabayad ng bills (rent, electric bill, waterbill) galing sa dating may ari ng property, ano po kaya ang magandang gawin ? Thanks po
Hello po Ms. Charm de Leon possible po ba na mag loan ng 1m pesos money from bank and how much do you think po ba yung monthly downpayment? sana po masagot nyo po Thank you po.
The advise is very nice, and she knows what she is saying. I wonder how many properties that this kid has? If she has 2 or more, this one is legit. But if not, just a typical video creator. 🤔🤔🤔
i like everything that you said as i am planning to invest in real estate. but, you keep on saying that we need to atleast have that 30% of total property cost which i think is not a very good idea. people will spend years to have this amount of savings. but that doesn't mean they're not ready to start investing in real estate. if people will save for years to have this amount of savings before starting investing in real estate, the value of the property they're planning to invest on will be much higher compared if they start asap; which i think is not a very wise financial decision. if i have learned something in your discussions, it's that time is as much as valuable as the properties. the earlier you invest, the better. and i think waiting for you to save up hundreds of thousands before investing will only cost you millions instead of starting as soon as you can afford to get a bank loan.
The reason for the 30% (I mentioned 10-30% in other videos) is because there are other fees (taxes, insurance, lawyer fees, transfer fees, bank loan fees, etc) than just the initial down payment and monthly equity. The 10-30% saved up also means you have the discipline to save such amount, and this can help you when getting your loan. If say, you're buying a ₱3,000,000 property, and you don't have the 10-30% or ₱300k-900k in cash and other easily withdraw-able assets (stocks, funds, bonds, etc), then personally, I don't think you should invest in real estate for now. The mindset kasi of "Buy it now kasi 10k a month lang naman equity" is mostly the reason why loans default and properties get embargoed or sold for "pasalo".
@@CharmdeLeonhi thank you for this. I think this is the sign that I am waiting for not to continue on getting the condo, though sayang yung downpayment ko hindi ko na mababawi😢
Bisaya diay ko ate. Pero e tagalog lng nako pls. Pa advice naman po ako please. Binigyan nlng kami ng developer sa nakuha namin na bahay ng 1 month extension para ma approve yung bank house loan application namin. Pag di pa din dw po ma approve ma forfeit yung equity na binayad namin na worth 600k 🥲 Ano po dawat namin na gagawin. Na assume namin yung house September 15, 2022 nag apply kami sa PNB it took 3 months para sa application namin pero disapproved lng pala. We immediately applied RCBC and now waiting for approval. Ano po dapat naming gagawin incase di pa rin po ma approve sa RCBC? 😥🥲 na dedepressed na po ako kakaisip. 8 months pregnant po pala ako now. Sana po may makatulong. Developer is Priland po. Maraming salamat po.
Hello charm pwede ba mabigyan ako ng pang budget bibili ako ng pamaskuhan sa mga bata mga laruan at mga damit ko sa sm shoemart sa taytay or mega mall 15. 000 ang kukunin ko pa ng buget okey ba
haha watched this after committing to a pre-selling condo as an investment lol (can I treat this as my source of saving for an emergency fund before turnover? flip it or something?), and I just started my job 🤣 I'm doomed. I don't have an emergency fund, 2. Only have two sources of income, but the other one is not stable.. damn..
Thank you, Avida for sponsoring a part of this video. You can contact Contact Carla Camposano for inquiries :
09774709345 (Globe)
09610957854 (Smart)
Hello po Ms. Charm de Leon possible po ba na mag loan ng 1m pesos money from bank and how much do you think po ba yung monthly downpayment? sana po masagot nyo po Thank you po.
I'm planning to buy my first property but it won't initially serve as a home but as more of an asset to generate more income. I will rent it out in the hopes that a tenant's rent will serve as the payment for the amortization. And once that's paid off, I will still continue to rent it out and use the profits to generate more investments.
do u read robert kiyosaki’s book? this is really a good idea, this is what I was thinking, too.
This was so timely!! Been looking for vids that tackle on how to start investing in real estate, but most are about how TO invest in real estate. Love this vid. Thanks Charm!
I love this! realized that I'm not yet ready and I got a lot of ideas from your video to be ready. Thanks Charm!
Wow. This video is a life-saver! You know, I'm a very impulsive person. I've had a few bad, impulsive financial decisions in the past I ended up regretting. Recently, I've been wanting to get another property (home loan) while my husband also has a loan. This video made me realize that I am not yet ready for this.
Currently debating on buying my first rental property right now. Really needed this, thank you
Waaaaah was really thinking about getting my own place since I just moved in a city permanently. Then I was looking for this video and poof totally not ready. Thanks for this Charm! 💯💯💯
Thank you! Please make a content for finding properties like forclose and pasalo.
Not yet ready, but looking forward to be one! Once, I have good cash flow. It is better to learn early though I don't have that kind of money yet.
Thank you Ms. Charm!
Thank you for this video! very very informative. To be honest hindi kakayanin ng sweldo ko ang kumuha ng bahay. kaya sana makagraduate na itong kapatid ko at makapagsimula na rin sya mag-ipon. :( Soon, magkakabahay na rin kami. 😇
Can you make videos on SSS PESO FUND? Or differences between SSS PESO FUND, MP2 and the like? Thank you!
Everytime I watched your video lagi ako nadodown kase up until now even 1% wala pa ako naiinvest or ipon even a good job but once I heard your voice every positive vibes and thinking naabsorb ko lahat . Thank you for inspiring and helping us by sharing ideas . More videos to come po
Very informative and helpful video for first-time property owners!
Any thoughts on Moldex Realty as a developer? Thank you
I'll watch this again after I made my first stable income.
Important topic presented in a very charming way...
I like that Charm 😀
Thanks for this video. I learned a lot!
Thank you so much for this video! Been thinking to start investing in real estate as well. Can you do a video about MRI? It's the first time I heard about that. Thank you.
This is very informative. Thank you Ms Charm! 💖 GOD bless!
Thank you Ms.Charm for sharing your thoughts and experiences with Avida Land. Stay blessed. ❤️❤️❤️
Thank you, Charm!
Thank you miss Charm for sharing this kind of videos .it really helps me to start manage my personal fince
What's better in pag-ibig or bank? If bank, what bank you prefer in the Philippines?
Is subdivision a good property for Real Estate? Located in Bulacan near the ongoing construction of MRT and a Mall.
Thank you for this! I needed this one
yeyyyyyy new videooo 😊😍 Thank you for thisss videoooo
Thank you for this!
Thanks for sharing, love it
thank you for this charm!
Thanks for this informative video again Charm!
So timely
More RE vids thanks 🙌🏻💯
under the 36% rule of debt. is the 28% of home loan included na dun?
so if may car loan pa, lalampas na sa 36%
Sana po manotice, ask ko lang po kung ano pong advice niyo sa situation namin, bumili po kasi kami ng property (apartments) may mga naagrerent po dun sa mga apartment kaso po may issue sila sa pagbabayad ng bills (rent, electric bill, waterbill) galing sa dating may ari ng property, ano po kaya ang magandang gawin ? Thanks po
Every Friday na ka mag upload Ms Charm?
Hi ate charm! May I ask, ano po yung course nyo sa college?
Hello po Ms. Charm de Leon possible po ba na mag loan ng 1m pesos money from bank and how much do you think po ba yung monthly downpayment? sana po masagot nyo po Thank you po.
The advise is very nice, and she knows what she is saying. I wonder how many properties that this kid has? If she has 2 or more, this one is legit. But if not, just a typical video creator. 🤔🤔🤔
Talked about my properties here: ruclips.net/video/oiuNfdXTLgI/видео.html
Currently have ownership in 4 properties :)
@@CharmdeLeon Good to know you are legit. Hate people that just preach in this platform. Its nice u r not one of those! 😅
i like everything that you said as i am planning to invest in real estate. but, you keep on saying that we need to atleast have that 30% of total property cost which i think is not a very good idea. people will spend years to have this amount of savings. but that doesn't mean they're not ready to start investing in real estate. if people will save for years to have this amount of savings before starting investing in real estate, the value of the property they're planning to invest on will be much higher compared if they start asap; which i think is not a very wise financial decision. if i have learned something in your discussions, it's that time is as much as valuable as the properties. the earlier you invest, the better. and i think waiting for you to save up hundreds of thousands before investing will only cost you millions instead of starting as soon as you can afford to get a bank loan.
The reason for the 30% (I mentioned 10-30% in other videos) is because there are other fees (taxes, insurance, lawyer fees, transfer fees, bank loan fees, etc) than just the initial down payment and monthly equity. The 10-30% saved up also means you have the discipline to save such amount, and this can help you when getting your loan. If say, you're buying a ₱3,000,000 property, and you don't have the 10-30% or ₱300k-900k in cash and other easily withdraw-able assets (stocks, funds, bonds, etc), then personally, I don't think you should invest in real estate for now. The mindset kasi of "Buy it now kasi 10k a month lang naman equity" is mostly the reason why loans default and properties get embargoed or sold for "pasalo".
@@CharmdeLeonhi thank you for this. I think this is the sign that I am waiting for not to continue on getting the condo, though sayang yung downpayment ko hindi ko na mababawi😢
pwede po ba magtanong Ms. Charm de Leon meron po bang tax yung real estates or rental house dito sa pilipinas po? thank you po sana masagot
or tax free po yung real estate po if mag loan sa banko po...
You pay real estate tax every start of the year.
@@CharmdeLeon I see thank you for the response Ms. Charm de Leon...so which means Real Estate investor only pay tax per year or Once a year?
Bisaya diay ko ate. Pero e tagalog lng nako pls.
Pa advice naman po ako please.
Binigyan nlng kami ng developer sa nakuha namin na bahay ng 1 month extension para ma approve yung bank house loan application namin. Pag di pa din dw po ma approve ma forfeit yung equity na binayad namin na worth 600k 🥲
Ano po dawat namin na gagawin.
Na assume namin yung house September 15, 2022 nag apply kami sa PNB it took 3 months para sa application namin pero disapproved lng pala. We immediately applied RCBC and now waiting for approval.
Ano po dapat naming gagawin incase di pa rin po ma approve sa RCBC? 😥🥲 na dedepressed na po ako kakaisip. 8 months pregnant po pala ako now.
Sana po may makatulong. Developer is Priland po.
Maraming salamat po.
Unsay balita ani maam? Na approve na? How much did you loan from the bank and how much is the interest rate?
Hello charm pwede ba mabigyan ako ng pang budget bibili ako ng pamaskuhan sa mga bata mga laruan at mga damit ko sa sm shoemart sa taytay or mega mall 15. 000 ang kukunin ko pa ng buget okey ba
I feel like you have covered this in the past?
I’ve mentioned some aspects in a previous video
haha watched this after committing to a pre-selling condo as an investment lol (can I treat this as my source of saving for an emergency fund before turnover? flip it or something?), and I just started my job 🤣 I'm doomed. I don't have an emergency fund, 2. Only have two sources of income, but the other one is not stable.. damn..
Kapag hindi ko napapanood videos mo, para akong nanghihina
First question- NO 🤦♀️
👍
First priority sign that you're not ready to buy a property.
1 - You don't have Money
😅
ouch hahaha
🥰❤️❤️nagor
hi mam does carla have an email address pls?