Should I rent a house and save 2.5 million in 5-6 years and cash in a house, or should I just get a house loan early?

[rschlap]

@resjudicata Thank you! May masusuggest po ba kayong reputable developers?

I have a viewing sa Phirst park kaso substandard daw houses not sure if I should settle sa mga ganon kasi ganon lang pasok budget ko

 

[simplict]

@rschlap Open kaba mag ka husband or family in the future?

If yes, you can consider that in getting pag ibig house loan na outside metro, usually 10k-20k 20+ year terms naglalaro sa ganyan.

Pero pag within NCR, medyo pricey talaga.

Heck if you really want a house and lot na mura, sa PILILIA, near the windmills, you can easily get a small one with only around 10k monthly 15-20 years.

Again, depende lang sa location talaga.

 

[rschlap]

@simplict WFH lang. No plans to marry. Naghahanap ako sa Cavite (I'm from here) kaso ang mamahal nga po. Di ko sure if kaya ko yung 14-17k for 5-20 years.

May mga less susyal na properties for 9.9k/30 years but still not sure

 

[simplict]

@rschlap Try sa Rizal, mga around Pililia Windmills area kung okay pa sayo dun. Nagsisimula narin kasi mag mahal jan sa Cavite area because of the CALAX and LRT6 plans.

 

[rschlap]

@simplict Ohh! Sige po tingnan ko to thank you :>

Yes super mahal naaaa. Marami magaganda pero 3m+. May substandard pero pinagiisipan ko kung magiinvest ba talaga ako sa ganon

 

[simplict]

@rschlap Mag pililia ka nalang, sakto kapitbahay mo pa mga windmills hehe.. mura pa house and lot via pag ibig dun. Plus, mabilis naman mag develop ang east rizal, sakto full time wfh kapa.

 

[rschlap]

@simplict How's the safety po ma'am/sir? may suggested subdivisions kayo?

 

[simplict]

@rschlap Not really from that area, pero have you heard ANYTHING sa news na nangyari in Pililia? So I think safe pa at chill pa mga tao dun.

Well.. its quite a relaxing place actually, ganda pa ng views, if maka kuha ka ng overlooking house and lot unit.

 

[njohn63]

@rschlap you can try naman na 30 years para mababa monthly. then yearly kung may bonus or extra ka pay directly to the principal para mabawasan din magiging from 30 to 23 years nalang as example.

 

[rschlap]

@njohn63 Pwede po pala yon? Pag nagdagdag sa principal, wala nang interest yon?

 

[obiviva]

@rschlap San mo balak mag hanap sa cavite imus, bacoor, dasma tanza or silang? Ang dami ng subdivision satin hehehe

 

[rschlap]

@obiviva Tbh kahit saan mo haha. Dami ko nakikita sa tanza, Naic, Dasma, Gen Tri. Naic and Tanza dami mura though substandard daw sabi ng iba.

Iniisip ko kung ipupush ko since 1st home ko sya