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Braulio Giron Jr

Braulio Giron Jr

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There is a saying, “The best time to plant a tree was twenty years ago. The second best is now”. This certainly applies to investments, because while it is never too late to begin building wealth and securing the future, the sooner is certainly better.

We often hear this when it pertains to the stock market, but not quite enough in real estate. Granted, whether it’s a condo or a house, property is no small expense, and it is understandable why it is relegated by some as an investment to make later in life.

Still, there are many reasons why anyone wanting to become an investor should consider buying real estate in the Philippines, including why it is actually a great option to take even when one has just started earning a newbie-level salary.

Home loans are easier to take on at an early age

Whether you are looking for a future place to live in or a property to rent out and earn from, you’ll likely be working with a bank or financing provider to secure a home loan, unless you’re blessed with a great deal of cash on-hand.

With that said, buying property in the Philippines at a young age means being able to pay a monthly mortgage at a time when you don’t have quite as many adult responsibilities. Granted, you’re likely already paying your own bills, but it is definitely a little easier to make property payments while not having as big a household expenses as you would when you are raising your own family.

Paying for property is ‘forced savings’

Speaking of home loans, a common reason why some are wary of buying property is because they feel they’ll have less flexibility in their finances because of the monthly payments. While indeed property payments leave you less financial flexibility, it doesn’t mean your money is going nowhere, as you are paying for real property that holds greater value than if you just saved the amount you pay monthly.

Unfortunately, money is only a medium of exchange that loses value as time passes due to inflation. On the other hand, property is a real asset that has a natural tailwind because of said inflation. It not only continues to appreciate in value, thus being worth more than when you initially purchased it, but can be rented out at rates that are adjusted according to inflation.

The sooner you have it, the more you can do with it

Another benefit in buying property as early as you can is the advantage of time. The earlier you become a property owner, the less you’ll spend in terms of time and money renting a home to live in. In addition, the property that you do purchase has more time under your ownership, time which is spent appreciating from its original value.

From an investment standpoint, if your aim is to earn from property by renting out, then of course the earlier you buy property means the longer you also have in terms of being able to earn from its lease. As previously mentioned, rent can be adjusted to make up for inflation, while your home loan payment will stay the same, so the great thing about the cash flow you get from rent is that it helps eventually pay for your property and can keep increasing your wealth long after.

There are properties you can afford

A hurdle which early buyers often come across when purchasing real estate are the prices, and it is because of the cost of real estate that many choose to postpone their investing to a later time. Indeed, property is in no way cheap, however it does not mean that there aren’t options which make early real estate investing possible.

Rising in more than fifty prime locations across the Philippines, projects by Bria Homes are among the options worth considering. A subsidiary of Golden MV Holdings Inc., one of the largest real estate companies in the country, Bria Homes specializes in the development of affordable house and lot packages and easy-on-the-pocket condominium units. The developer’s house and lot packages range from Php460,000 to Php1.5 million, while its condo units range from Php1.5 million to Php3 million.

With masterfully designed communities being built in places like Alaminos, Laguna and Mariveles, Bataan, among others, Bria Homes are conveniently located near retail establishments, churches, hospitals, and schools-and boast proximity to major roads and highways.

Apart from the viability of its locations, Bria Homes offer dwellings that are visually appealing, with sleek, modern facades that complement well-laid-out communities that have excellent security, recreational facilities and environment-friendly features like LED lighting and sprawling green spaces. With over fifty locations across the country, Bria Homes presents a variety of choices to early investors, including OFWs looking for properties in or close to their hometowns.

Ready to find your first property investment? Visit Ohmyhome for the complete selection of Bria Homes and the best and latest homes for sale in the rest of the Philippines.

To conveniently browse listings, read real estate content, or get professional property advice, download the Ohmyhome app.


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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While you’re away, we take care of your property investment.

Buying for Home Ownership

We help OFWs find their forever home.

DO IT YOURSELF​

Prefer to do-it-yourself?

Check out how our platform can help

Browse Resale Listings

Connect with sellers through our app

ARTICLES​

Steps for First Time Buyers

Like any new experience, buying a home for the first time is daunting.

Home Buying for Your Family

Make sure you’ve thought about these things before you decide to buy a house.

Get The E-Book

Sell

get an agent

Sell with an Agent

Dedicated experts at your service

do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Post a Listing for Free

Connect with buyers through our app

Articles

Factors Affecting Home Value

Know the factors that affect property value before you buy a home.

Mistakes to Avoid in Selling

Make sure you’re not committing any of these fairly small, common mistakes.

Passive Income from Real Estate?

Real estate generally appreciates in value and can also be rented out.

Sell Your Property Fast

This is how you can attract more homebuyers.

Get The E-Book

For Tenants

get an agent

Rent with an Agent

Dedicated experts at ayour service

ARTICLES

Renting vs. Owning

Either way, it’s much easier outside Manila.

House or Condo?

Both have advantages and limitations. Everyone has different preferences.

Do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Search or Post your home

Connect with landlords through the app

For Landlords

get an agent

Lease with an Agent

Dedicated experts at your service

ARTICLES​

Assessing Property Value

Of course, knowing your property’s true value is key to any great investment.

Home Staging Tips

With this checklist, you get a better chance of finding a long-term tenant.

Do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Search or Post your home

Connect with tenants through the app

Our Properties

By Developer

SMDC

Properties from the good guys.

Robinsons Land

Raise, live, and connect.

Moldex Realty

The gateway to ideal community living.

PIK

Russia and Europe's largest homebuilder

For Ofws

What we do for OFWs

Safely secure your dream home from overseas.

Buying for Homeownership

Connecting you with the top developers nationwide.

Buying for Investment

For a seamless and stress-free property investment.

LOCATION GUIDES​

Life in SYNC is a Life Well Balanced

A good home gives good shelter, but a...

Quezon City Community Guide: Why Invest in Property in ‘QC

Quezon City is the Philippines’ second...

Break from the Metro: Why Buy a 
Home in Antipolo

While some seek their faith in Antipolo...

Buy a Home in Lipa for a Break from the Big City

Lipa continues to emerge as a good...

Finance & Investments

Your Starter Guide for Investing in Homes for Sale

Buying a home is a major expense but...

Why Employers Must Invest in Employees’ Homeownership

Employees sign-up and stay with the...

How to Successfully Save for Your Dream Home

With how high property prices are, ho...

Rent or Own? Either Way, It’s Easier Outside Manila

Manila has always been one of the co...

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