Are you satisfied with your current income?

[rollyic]

sana mahabaan ko pa ang pasenya sa kumpanya ng mga itik dito sa qatar.
objective ko ngayon, makapag ipon ng konti tapos uwi na lang kahit di ko matapos ang contract ko.

tayo na lang ako ng maliit na negosyo....start na lang ako don.
dami ko ng nabasang mga article sa abs-cbn news site....mga rags to riches.
last time, mayari ng junk shop.
ngayon naman, lydia's lecohn.

ito yung sinasabi ko....
https://www.facebook.com/photo.php?v=693334707347235

[boytsiks]

Ganito talaga sa trabaho namin. Pag walang operations, nga-nga sa office the whole day. Pero pag meron naman, 3 days - 1 week wala sa office/bahay. Yes, kailangan pa din naman ng mas malaking sweldo, paano na ung mga extra operations ko sa mga pinupuntahan ko. Ang hirap din kaya ng ganito, sakit sa likod at puwet.

I feel for you sir

Mukhang parehas tyo ng trabaho

[Retz]

kung gusto niyo ng biglang yaman Php5M, hanapin niyo kapatid ni ginang napoles. kahit isang taon kayo hindi muna mag trabaho.

[LoveKent]

I am satisfied to my salary as an Finance manager here.But then i still love and miss working in Finland in a accounting firm as an talouspäällikkö ,cause of the fact that i learn so much there about finance manager.

[Retz]

^

just how do you pronounce that sir?

[antonath]

^

just how do you pronounce that sir?

Talayus papaliliko. :D

Sent from my GT-P3100 using Tapatalk HD

[Retz]

anyone here into investing in condo units? im planning to venture also in this kind of real estate business for added income.

[Balikpinoy]

anyone here into investing in condo units? im planning to venture also in this kind of real estate business for added income.

I have a condo unit at Rockwell that I rent out to tourist on a per night basis. The occupancy rate this year has been excellent mainly due to airbnb.com

[Retz]

^

parang condotel na sir? pero gaano kadalas may rumerenta na turista? baka madalang lang.... im planning to get one near macapagal area para sa mga hotel casinos na gagawin.

[yebo]

anyone here into investing in condo units? im planning to venture also in this kind of real estate business for added income.

i just bought 2 1-room units that i will convert to a 2-bedroom unit, pero 2015 pa turn-over, near gma-7/abs-cbn. current rental rates in the area is 25k/month. dagdagan ko pa pero ibang location naman and for resell later. actually mas maganda roi if you buy pre-selling then sell when it is already rfo. pag rental e mabagal and roi, more than 10 years ang break even. yun lang nga gusto ni misis bago namin ibenta yung una e try muna daw nya pa-rent.

[Retz]

^

Sir ung kunuha mong condo unit, 20% DP and 80% thru bank financing?

[Retz]

mura pre-selling price ng condo with the low 10% or 20% DP extended to 24-36months 0% interest pero ung sunod na 80% thru bank financing ang mabigat.

[glenn manikis]

im satisfied... simple living lang naman ako... basta may sasakyan... maliit na bahay na medyo lang maayos at modern ng kunti at hindi binabaha or tumutulo...

masaya na ako sa bahay lang at may H.T. with BIG screen LED... tapos naka aircon...

[Retz]

^

Sir manikis, baka may malaking genset pa sa bahay niyo walang problema pag brwnout.

[yebo]

mura pre-selling price ng condo with the low 10% or 20% DP extended to 24-36months 0% interest pero ung sunod na 80% thru bank financing ang mabigat.

36 months nga yung 20% down at 0% interest less 150k discount (promo) less 2% additional discount (agent's option). tinignan ko naman ng maigi yung computation nila talagang 0% and for real naman yung discount, and since hindi in-house financing e wala sila maitatago na hidden fees. saka pa lang required na kumuha ng financing sa bank pag naka-full down na and rfo na yung unit. e normally naman tumataas ang price pag rfo na, so i intend to sell once the unit is turned over. di naman ako nade-deny sa bank in case we decide to keep the unit and rent it out.

[s10pao]

36 months nga yung 20% down at 0% interest less 150k discount (promo) less 2% additional discount (agent's option). tinignan ko naman ng maigi yung computation nila talagang 0% and for real naman yung discount, and since hindi in-house financing e wala sila maitatago na hidden fees. saka pa lang required na kumuha ng financing sa bank pag naka-full down na and rfo na yung unit. e normally naman tumataas ang price pag rfo na, so i intend to sell once the unit is turned over. di naman ako nade-deny sa bank in case we decide to keep the unit and rent it out.

magkano ba interest ngayon kapag 5, 10, & 15 years to pay ung remaining 80%?

[_Qwerty_]

lagyan natin nang figures.. halimbawa 4M condo..

20% 36 months zero interest = 800,000 / 36 = Php22,222.00 per month
80% 10 years to pay at 9% pa = 6,080,000 / 120 = Php50,666.67 per month
20 years to pay at 9% pa = 8,960,000 / 240 = Php37,333.33 per month

most probably mga 40sqm or less yang unit.. you can rent out for say Php20,000.00 a month. Para mabawi mo yung 6M na inutang sa banko that will take 300 months or almost 9 years tsaka ka pa lang kikita.. eh yung pinang down mo pa na 800T.. yan eh kung tuloy tuloy may re rent..

[Balikpinoy]

^

parang condotel na sir? pero gaano kadalas may rumerenta na turista? baka madalang lang.... im planning to get one near macapagal area para sa mga hotel casinos na gagawin.

This year's been good..about 75% occupancy rate. Right now, its all booked up for December and January. Rate is 99usd per night.

You have to pick the right location. Fortunately, Rockwell Makati is the go to destination for many Filipino Americans and Expats. On the days its not rented, we use it when we get bored here in Sta. Rosa.

[Retz]

lagyan natin nang figures.. halimbawa 4M condo..

20% 36 months zero interest = 800,000 / 36 = Php22,222.00 per month
80% 10 years to pay at 9% pa = 6,080,000 / 120 = Php50,666.67 per month
20 years to pay at 9% pa = 8,960,000 / 240 = Php37,333.33 per month

most probably mga 40sqm or less yang unit.. you can rent out for say Php20,000.00 a month. Para mabawi mo yung 6M na inutang sa banko that will take 300 months or almost 9 years tsaka ka pa lang kikita.. eh yung pinang down mo pa na 800T.. yan eh kung tuloy tuloy may re rent..

assuming na pina rent out mo for 20k per month abunado ka pa ng 17k monthly kung upto 20 yrs. meron bang interest rate na 5% lang for 10 yrs?

[Retz]

What are the pros and cons for buying a condo unit in cash (assuming you could afford to buy the unit outright) and thru bank financing? If you buy it outright of course you will shell out initial capex as compared thru bank financing. Parang walang pinagkaiba sa primary or secondary metering ng meralco.