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Buying my own house at 22 yrs old. 500 pesos lang reservation fee ko!

Don't wait to buy real estate, buy real estate and wait. 

Will rogers


Everything seems scary until you close your eyes and just do it.

Tuwing meron tayong pangarap, minsan nakakatakot na sundan o gawin yung mga pangarap natin di'ba? Ang daming tanong na, paano kung 'di magwork? Paano kung 'di mo kayanin? Paano kung….

STOP!

Stop questioning or doubting yourself. Just do it! As long as wala kang tinatapakan na tao at hindi naman masama ang mga pangarap mo. Katulad nang ginawa kong pagbili ng sariling property at the age of 22 years old. Oh, 'wag ka muna magtaas ng kilay dahil hindi ko intensyong ipagyabang ito. My intention is to inspire you to believe in yourself that you can also do the same.

How did I buy my own house?

Let me first tell a short story.

Photo by Alena Darmel


My parents were successful entrepreneurs - as in! They have never been employed simula nang isilang kami sa mundo. They have different businesses and those businesses were indeed on its peak. Pero siyempre, hindi habang buhay laging nakapabor sa inyo ang kapalaran. Dumating yung time na humina ang ekonomiya kasabay ang pagbagsak ng mga negosyo nila. Unfortunately, they weren't able to secure a property during the time na meron pa kami. Because of that, naging NPA kami - No Permanent Address.


Hindi ko na mabilang kung ilang beses kami lumipat, kung ilang beses ba kami nagkaroon ng "bagong bahay". Sa una masaya kasi panibago nanaman. But as time goes by, grabe nakakapagod. Lalo tuwing nararamdaman mo yung hindi magandang trato sa inyo ng may-ari kapag na delay kayo ng bayad sa upa. It really hurts!


So my mom always tell us na, "Unahin niyo ang bahay 'pag kumita na kayo."


One time, I was travelling back to Manila from a relative in Cavite. May nakita akong mga Subdivision na tinatayo sa bandang Anabu, Imus Cavite. I was staring at it tapos sabi ko, "gusto ko rin ng ganun, pagod na'ko magpalipat lipat". I don't blame my parents though for not being able to secure a property. Naging motivation ko iyon para mas mangarap to buy my own.

At 22 years old, I was working in a BPO company and was so lucky enough to have a good earning as a Senior Enterprise Support Analyst. I believe nabanggit ko from my previous blog posts na I'm bad at handling my finances when I was young - totoo yun. Pero meron din naman akong mindset na "dapat may ma-keep ako from this earning na someday, my future self will be thankful for."


Self-talk.


Importante kasing may self-talk tayo sa sarili natin. Importante na nire-review natin lahat ng nagawa natin and think as to how you can make yourself and your life better than it was before.


Paano ako nagsimula?


Nako! Impulsive buyer ako at napaka-swerte ng ahente ko sa'kin. One day, I browse the internet. Sulit.com pa uso noon and I came across this post that says, "5,000 reservation fee, may bahay ka na! Book a tripping now!"

So ako, chineck ko yung computation na nakapost. Nag-compute ako at pakiramdam ko, kakayanin ko bayaran yung 5,000 monthly (kaysa naman napupunta sa luho at alak). Dali-dali akong nagpa-tripping on my rest day at siyempre hinatak ko yung boyfriend ko para samahan ako (my husband now).


How was the tripping/viewing?

They showed us two different Subdivision pero I'm already eyeing on the one posted kasi nagustuhan ko na agad siya. During the closing session of tripping, napaka-galing lang mag-persuade nung mga agents at sinabi na kahit 500 pesos lang to reserve the unit. Uy! Saan ka makakakita na 500 pesos lang ang reservation fee? They told me that I can pay the rest (4,500) after one week.

I believe nakalimutan ko pa nga magwithdraw that time kasi hindi ko naman akalain na magrereserve agad ako on that same day. Ending, pinaglabas ko yung boyfriend ko ng 500 pesos (di ko na sure kung nabalik ko, hahaha). He was actually hesitant kasi ang bilis ko magdesisyon. Pero still, I did it anyway.

Hindi ko alam kung kakayanin ko, kung itutuloy ko ba pero mas naging motivation ko yung, gusto kong magkaroon ng sariling bahay.


What happened after that?

Bigla akong napaisip na baka scam yung pinapasok ko nung nakapagbayad na'ko. Luckily, legit naman siya at hiningan na'ko ng mga requirements which I sent in email.

The next thing I now, approved na yung housing loan ko sa Pag-IBIG - that is after ng ilang pagpapabalik balik para magpasa at pumirma ng mga documents. Yes, naka Pag-IBIG siya dahil wala naman akong cash para ipambayad noon. And of course, mas magandang gamitin ko yung Pag-IBIG since monthly binabawasan sweldo ko ng contribution.

Tyaga lang talaga kasi may pangarap ka. May mga instances na halos tigilan ko na kasi naiinis ako sa proseso pero tyinaga ko lang talaga.



First photo ko sa bahay nang ma turn over siya sa'kin. Photo Taken by my boyfriend (husband now).

This is my very first photo sa bahay na'to nung maturn over 'to. Kapansin pansin sa photo na 'to na maliit ako, este na bare type lang ang bahay. Okay na rin kaysa wala di'ba?


Hindi ka ba nahirapan?

Nahirapan din! Hindi naman mawawala yun. Ilang beses ko na rin sinukuan to at halos ibenta na rin.

Hanggang sa dumating lang talaga yung time na nagkapamilya ako at tinake over na siya ng husband ko.


What's the status?

As of now, dito na kami nakatira ng sarili kong pamilya sa bahay namin. Ang butihing husband ko na ang nagpapatuloy ng pagbabayad nito at siya na rin ang nagpa-improve ng bahay.

Swerte na lang talaga at naging impulsive buyer ako noon. We were able to get this house at PhP 690,000 lang. Ngayon, ang value na ng mga bahay rito ay nasa almost 2 million na. 

Nakakatuwa lang balikan kung paano nagsimula ang lahat sa isang pangarap lang tapos ngayon, naging tahanan na ng binuo naming pamilya. Lalo yung struggle na halos pakawalan ko 'to sa pag-aakalang 'di ko na kaya, tapos ngayon andito pa rin para sa family namin - priceless!

Technically, this is NOT just "my" property, but "our" property.

Dahil rin sa experience kong 'to kaya pumasok ako sa industriya ng Real Estate. Naniniwala kasi ako na lahat naman ng Pilipino kayang kaya magkaroon ng sariling bahay. 


On my next blog, I will be more specific naman sa step-by-step process kung paano nga ba bumili ng sarili mong property.



For comments and topic suggestions, please don’t hesitate to write a comment below.



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