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kiamoy

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Why Not Do This Instead?
« on: May 27, 2008, 10:35:11 PM »
An advice from an online friend..
Let me know your opinion on this
Shoot ta ani?


instead of renting a house... why not OWN a HOUSE????

example:

nag-abang ka og apartment or house ranging from P4000-8000... and you definitely
want to settle for good in Cebu...
kaysa mag-abang, why not go for housing loans sa PAG-IBIG (dili ko real estate agent ha? :-) )
you can choose to pay your mortgage 10 years, 15, 20 or even 25 years...

kintahay gipili nimo ang 10 years option sa housing loan.... and your paying P5000/month sa mortgage, congratulations!!!! after 10 years naa na kay balay nga imoha gyud...

so what do you do after that? GET a new loan para sa 2nd HOUSE mo for 10 years!!!!
kinsa ang magbayad??? you and your tenant...

how? again, your monthly mortgage is P5,000. ipa-abang imo 2nd house maybe P3000/month...
then you pay for the other P2,000/monthly for 10 years....

P5000/monthly mortagge = P3000 (rental) + P2000 (your monthly share)

after another 10 years... naa na kay 2nd house!!!!!.... and THAT 2nd house will give you a PASSIVE INCOME... by that time, basin P5000 na ang monthly rental sa imong 2nd house....
THAT P5000 is your PASSIVE income.... (mura na ka gadawat og pension)

let's say nag-decide ka to get a 3rd house (P5000/monthly) for another 10 years....

P5000/ monthly mortage = P5000 monthly rental sa 3rd house
P5000 (income sa 2nd house rental)

fasforward after 10 years.... you have your 3rd house....!!!!

in 30 years, you have 3 houses.... one house para nimo... and the 2 houses are meant for rental.... (2 houses x P5000 monthly rental = P10,000 income)

okay lang ba 30 years from now you have a P10,000 PASSIVE income thru house rentals PLUS monthly pensions that you get from government (if government employee ka) or monthly pensions courtesy of that private company youve worked for....

remember, the "house loan" scenario is ONLY one among the MANY options sa book nga "How to Get Rich Without Winning the Lottery"....

...share your ideas..

Linkback: https://tubagbohol.mikeligalig.com/index.php?topic=12892.0
heeey? what's the point of this?


if you can't quit, then please help warn the kids..
support Picture-Based Health Warning Bill  => http://www.tobaccocontrol.ph/petition

mochajava

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Re: Why Not Do This Instead?
« Reply #1 on: May 27, 2008, 10:41:24 PM »
nice presentation. lol
pero not. i still go for our business kiams:)
in ten - thirty years ato house is not worth
5k/mo in 10 years na binayaray.

who knows, in 5 years time nato na kinugihay sa business,
impossible la ta milliones ana.  ;D


ms da binsi

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Re: Why Not Do This Instead?
« Reply #2 on: May 27, 2008, 10:50:58 PM »
nice presentation jud pero im wondering unsa ka dako ang 5 grand mortgage in ten years term? basi mura ra na ug balik bayan box Kiams! hahahha bitaw no? nice idea, it is really worth paying a mortgage than renting.

hala this is the right time to buy real estate raba Kiams! why not window shop houses now and then buy it afterwards?
kaysa mag party-party lang sigi usik-2 sa datung! But remember ug naa na kay balay nga bayaran, you have to modify lifestyle na para dili mabawi sa bank ang imong balay! Honest!

good idea Kiams...
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kiamoy

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Re: Why Not Do This Instead?
« Reply #3 on: May 27, 2008, 10:53:03 PM »
modify lifestyle!? ate bella! ang ako pud is..why buy a house man..dha nalang tale if naa nako bana? hmm..liboga oi..lahe najud panahon.. or maybe ill buy it for invest again?!?! hehe

mochs..mao lage.. concentrate lang jud ta ani

mochajava

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Re: Why Not Do This Instead?
« Reply #4 on: May 27, 2008, 11:07:13 PM »
hhhmmm. concentrate kuno,.
iba man imu gi concentrate kiams.
heheheh:)


kiamoy

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Re: Why Not Do This Instead?
« Reply #5 on: May 27, 2008, 11:17:23 PM »
hahahahha..toa ko sa texting

mochajava

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Re: Why Not Do This Instead?
« Reply #6 on: May 27, 2008, 11:19:42 PM »
texting ka karon.
naa na di ka smart money?
hmp!

tohnichi007

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Re: Why Not Do This Instead?
« Reply #7 on: May 28, 2008, 12:09:57 PM »
Tinuod na kiamoy, ako usa kos gabagood ug inabang ug balay mao karon mouli ko aron mangitag paagi makasugod ug balay...ay bisan payag ra gud ehehehe
Ilha Formosa.  Taiwan Will Touch Your Heart!


kiamoy

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Re: Why Not Do This Instead?
« Reply #8 on: May 28, 2008, 09:13:17 PM »
hehe.. ,mao lage..pero kta lisud man pud..nya what if kapuyan nako sa work ? unsaon nalang ako first balay..

C2H4

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Re: Why Not Do This Instead?
« Reply #9 on: May 29, 2008, 09:48:32 AM »
kiams, puede i shortcut ni nga explanation, medyo taas taas man gud, wala makaya sa akong powers...hehe
If you're going through hell...keep on going...

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kiamoy

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Re: Why Not Do This Instead?
« Reply #10 on: May 29, 2008, 10:05:55 AM »
hahahah c ate c2..
murag mag installment ka ug balay sa pagibig..then imo pa rentahan, then ang ila bayad maoy imo i bayad sa pag ibig ;)

and if nanaka  kita ana, palit napud ka same balay,,same process..

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Re: Why Not Do This Instead?
« Reply #11 on: June 17, 2008, 04:32:22 AM »
unsay itsura sa house? pila ka rooms kiams?
"All that is needed for evil to succeed is, that decent human beings doing nothing". (Edmund Burke)


bol-anon_ko

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Re: Why Not Do This Instead?
« Reply #12 on: June 17, 2008, 04:37:35 AM »
unsa man ni nga balay kun tag 5000 ang monthly mortgage? pila kaha ipa downpayment kun 5000 pesos ra imo monthly. yeah nindut i invest sa real estate sa pinas krun..

asa man location ani nga balay Kiams? how many rooms and bath?

"Like most trends, at the beginning it's driven by fundamentals. At some point, speculation takes over. What the wise man does in the beginning, the fool does in the end." -Warren Buffet

kiamoy

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Re: Why Not Do This Instead?
« Reply #13 on: June 17, 2008, 04:41:23 AM »
hahah,. not mani like specific house, ithink kana nang mga housing projects sa pag ibig or any house jud,,

ang idea lang ba nga invest your money by loaning sa pagibig,,then imbis from your own pocket ang i cge ug bayad, ipa-rent nalang imo house, then mao ang imo ibayad sa pag ibig :)




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