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Ask any working Filipino about their aspirations, and chances are these often include or are associated with some form of financial freedom. This is evident now more than ever, as many have begun looking to establish sources of income that are in addition to their day jobs.

However, a common question that arises for most is where to start. Despite the economic challenges being faced by the country, there remains a number of business and investment opportunities that may be worth considering, and it can get a little overwhelming when choosing where to invest one’s time and hard-earned money.

An investment that has stood the test of time though? Real estate. And last January 23, Ohmhome was fortunate enough to host notable real estate professionals and have them on OhTalks! to share their experience and expertise, and discuss why property is an ideal investment choice for generating passive income.

But first, what is passive income?

As the name suggests, passive income is income earned in a manner that requires little to no daily effort to maintain. While ways to earn passive income-like renting out a property or investing in stocks-may take some work and expense at the beginning, these could eventually earn you money even when you are not active

According to Dynah Rose Bersabe, Manager of Avida Land Corporation’s Broker Operations Group, it is ideal to not bank on passive income as the main driver of finances, but more of something to shore it up. “Passive income is another source in addition to your main source, which is your full-time job.”

Why is it important to have a source of passive income?

While in the short term passive income is mostly complementary to one’s overall income, it is in the long term where its benefits would truly emerge. As shared by Bersabe during the Ohtalks! session, it is through passive income where one can actually start building for the future.

“Having a passive income is essential because it is the next step to building wealth. It’s good when you are young and full of energy because you can get active income, but when you can’t work anymore, it’s good to have passive income to come in.”

How does one start investing to earn passive income?

While passive income is indeed “passive”, there is still an extensive amount of work to be done to get to the point of being able to reap its benefits. As The Property Forum Managing Director Noli Alleje shared, in order to passively make money, one has to earn and invest money.

“For you to reach that level of having passive income, there is still a lot of work to do. For example, rental income, it is a type of passive income, but to be able to buy the property to rent out, is work to be done.”

Alleje elaborated that passive income is indeed complementary, and investing to earn it must not come at the expense of existing finances.

“You start first with money, so you set up your investment fund. But also, do you have your savings fund? Your enjoyment fund? How much are the fees (related to your investment)? What are the payment terms? Start evaluating where you can come in, but don’t force your entry into investment. Study if you can cover the payments related to your potential investment without compromising the other things you pay for like your bills and having savings.”

Why invest in real estate as a way to earn passive income?

In terms of investments overall, real estate has stood the test of time, and it stands to reason why it would fair just as well when it comes to earning passive income. According to Alleje, property as an investment has proven its case as recently as now during the Covid-19 pandemic.

“I believe property is prosperity. Start off with real estate as your foundation for investments, because it is the safest. In a crisis like this pandemic where the economy drops, your ‘paper’ assets (like stocks) can turn out to be worth just that, paper. But your real estate assets are still worth a lot, even with slight price adjustments coming from the market, and can continue to earn you revenue when you rent it out, because in a crisis or not, people need property to live in.”

Is it ideal to buy property now even during a pandemic?

Given the circumstances in 2020, and now in 2021, it is understandable that some have apprehension in making large investments, be it real estate or otherwise. However, if there is a silver lining to the current challenge shared across most of the world, is that real estate prices are a little more favorable for the time being. This, Bersabe shares, is an advantage to make the most of.

“This is the best time to invest. If you are to let the moment pass, the opportunity will not be the same again. The thing is, there’s no way for real estate to go but up. There are a few dips in value, but the trend is typically up. Buying now and buying later is up to you, but there is always a monetary benefit to buying earlier when compared to later, especially now where prices are low but are expected to bounce back up as the world and market also recover.”

Thinking of buying property and getting started earning passive income? Visit Ohmyhome for the best and latest real estate for sale in the Philippines, or connect with an Ohmyhome agent for assistance throughout your property journey.

For convenient access to our solutions and the best and latest home for sale listings in the Philippines, download the Ohmyhome app today.


Ohmyhome was launched in the Philippines in September 2020, following the company’s establishment of a tech team in the country in 2017. Ohmyhome was originally founded in 2016, and subsequently rose in Singapore as a leading PropTech solution and licensed real estate agency.

Ohmyhome expanded into the Philippines so that Filipino home seekers can have a real estate partner that they can trust to have their best interests at heart and can be relied upon to provide exceptional services throughout the entire property journey.

Featuring thousands of properties across many of the Philippines’ major real estate brands, Ohmyhome differs from other local platforms by going the extra mile and extensively helping buyers narrow down the choices and find the property that best suits their budgets, home needs, and lifestyle preferences.

The company’s Real Estate Agents not only help in the shortlisting of options but also provide professional services through the entire purchasing process. These include assistance in property inspections, negotiations, the finalization of the Conditions of Sale, deposit collection, the submission of property documents, as well as providing buyers regular updates.

Ohmyhome helps Filipinos find their dream homes, all while making sure each real estate transaction is complete and is an efficient and enjoyable experience.

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