Moneyfest— Ang pangarap na bahay | Unang Hirit

  • 6 months ago
PANGARAP MO RIN BANG MAGKAROON NG SARILING BAHAY?

Isa sa bucketlist natin sa buhay ang magkaroon ng sariling bahay. Pero sa karaniwan na sweldo ng ating mga Kapuso, may paraan ba para makamit ang inaasam na dream house? I-moneyfest na ýan dito sa Unang Hirit.

Hosted by the country’s top anchors and hosts, 'Unang Hirit' is a weekday morning show that provides its viewers with a daily dose of news and practical feature stories.

Watch it from Monday to Friday, 5:30 AM on GMA Network! Subscribe to youtube.com/gmapublicaffairs for our full episodes.

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Transcript
00:00 But here, Arthur, I think most of us are on the list and our housemates are manifesting.
00:06 Yes, that's true.
00:07 We can save.
00:08 Yes, we can imagine what our dream house will look like.
00:12 Right?
00:13 But on a regular salary, is it possible to use a dream house?
00:17 Yes.
00:18 Oh.
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06:34 You can put it down.
06:36 I can put 10,000.
06:38 They understand that it's 30% rule.
06:41 Why only the maximum?
06:43 Because you'll have other things in hand.
06:44 Correct.
06:45 There's still an emergency.
06:46 Yes, you have basic needs.
06:47 You have food here.
06:48 You have utilities.
06:49 You have entertainment.
06:50 You have utilities there.
06:52 So, the financial institutions don't want you to be at high risk.
06:56 Of course, at the end of the day,
06:57 we want the property that you'll get from you.
07:00 Correct.
07:02 And you should be smart when taking risks.
07:05 Yes.
07:06 Alright.
07:06 Janine, should you save up for down payment first
07:10 and then go for it?
07:12 And are housing loans okay?
07:14 What's your take?
07:15 Actually, I am a big fan of leverage.
07:18 Okay.
07:18 Or using loan on a most common term.
07:21 So, it's not technically a loan.
07:22 If you're investing for something that will be an asset in the future,
07:26 then it's okay to loan.
07:27 Yes, definitely.
07:28 What I love about leverage is money now.
07:32 Okay.
07:33 Correct.
07:33 It's okay for Shira to save up for maybe 2 million.
07:36 Okay.
07:37 Then, she'll buy a property.
07:38 Yes.
07:39 Right?
07:39 She'll start there.
07:40 Oh my!
07:41 That's your manifesto!
07:43 The next property!
07:44 Yes!
07:45 However, our challenge is,
07:47 maybe it would take time for Shira to collect.
07:50 So, she'll have 2 million.
07:53 I don't think so.
07:54 Oh my!
07:57 Stop it!
07:58 Stop it!
07:59 It's true!
08:00 It's a loan.
08:01 It's achievable.
08:02 It's money now.
08:04 Yes.
08:05 Because if there's something that you can use, right?
08:10 And again, if it's an asset and it's not just a loan, then why not?
08:15 It's not heavy.
08:16 Yes.
08:17 We're so fortunate here in the Philippines that we have many financing options.
08:22 That's right.
08:23 We have many brands giving us help.
08:26 Pag-ibig, NHMFC, National Home Mortgage, those are our options to use loans.
08:32 We have many options, Kapuso.
08:35 And of course, we're also fortunate to have you here this morning.
08:38 Thank you so much, Ms. Janine, for your manifesto.
08:41 Yes, with the right mindset and hard work, your dream house can become a reality.
08:48 Thank you so much!
08:49 We'll be back on the first episode.
08:51 [BLANK_AUDIO]

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