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Finance & Investments

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Manila has always been one of the co…

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Braulio Giron Jr

Braulio Giron Jr

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Since 2020, the times continue to be extraordinary and at the same time scary. Indeed, Covid-19 has affected everyone and the various aspects of our lives, including our finances. We’ve all found ourselves facing uncertainties over health and employment; and many have responded by saving as much as they can in order to have something set aside for emergencies until things (finally, hopefully) settle down.

Others continue to take the leap and make investments however, making the most of the situation and taking advantage of lowered prices, with many doing so in real estate. Granted, being hesitant about jumping into the property market (or any market for that matter) during these uncertain times is understandable. However, there remain several attractive opportunities to invest in property in the Philippines and are good enough reasons to make that property purchase despite the pandemic.

Have a secure investment with a consistent market value

Real property is a tangible asset, and the land it stands on is for the most part non-renewable- common reasons why real estate has stood the test of time both as an investment and as an industry overall.

The increase in the value of properties remains reliably constant, to the point that even if you don’t take as many significant steps to improve it, it continues to appreciate. In comparison, investments like stocks and bonds are easily affected by market conditions-that of which continue to unpredictably swing because of the pandemic.

From a usage standpoint, buying a new home during the pandemic provides you an alternative place to stay in the event that the community in which you presently live proves to be not the most ideal place to be whenever there are closures or quarantines that are mandated by the government.

A prime example of this are properties in locations within the Greater Manila Area, such as Laguna, because it is still relatively within distance of Metro Manila itself-providing an escape that is not cumbersome to travel to-and the choices are not dominated by dwellings common to the city like condominiums.

Have the opportunity to earn a steady income

If there is one thing that the pandemic magnified, it is that employment is not guaranteed, even for the best of us. Add to that the various unforeseen circumstances that can easily drain one’s finances, and it is paramount to have an investment that pays dividends sooner rather than later.

This can come in the form of real estate. A place to live is a basic necessity, pandemic or not, which you can help address and subsequently earn from by investing in a property for rent. You can earn income as soon as a month into your property ownership by having tenants move in immediately and earn regularly from those who stay long term.

A popular choice for a rental property are condominiums in major metropolises like Quezon City or Cebu, since many of these are ready for occupancy and even include needed furniture and appliances, and are in central locations that make them appealing to tenants whose workplaces are nearby.

Putting your property up for rent can also be the way which you can pay for the loan you used to buy it in full, in the end leaving you with an investment that is wholly yours. And speaking of home loans…

Get to enjoy favorable home loan rates and flexible

If there is any silver lining to the pandemic now, it is how some financial institutions have lowered the interest rates for their loan programs to encourage continued borrowing and better counter the ongoing economic recession. These include home loans or mortgages, where the lower interest rates have put them at a lower overall cost.

Along with more favorable interest rates are also the approval of larger loan amounts which have made it possible to purchase larger and more extensive properties. This means a tangible asset for you that is of greater value and, of course, greater appreciation in the future.

To further attract property buyers, banks and developers who offer in-house financing have also introduced flexible payment options with their home loans. These have included cashback offers and lower reservation fees, which will likely not be as available when the pandemic has ceased and the economy is more stable.

Get great value through affordable pricing

While it is unfortunate that the Covid-19 pandemic has led to many struggling to budget their money, the truth of the matter is that it has also resulted in property sellers adjusting their prices to both accommodate the changes in buyers’ finances and to continue being able to maintain their own cash flow.

These affordable prices pose a great opportunity to buy property in the Philippines that is a little greater than what it would have been pre-pandemic. For example, if in late 2019 or early 2020 your finances only allowed you to consider buying a one-bedroom condominium unit, the larger loans and flexible financing available now combined with lowered prices may now allow you to buy a unit with two-bedrooms or at least more floor area instead.

Prices rising are also expected post-pandemic. Construction was one of the industries greatly affected by the Covid-19, especially at the onset of the pandemic, and the halt in property development means a delay in real estate supply-all while demand continues to do what it does and increase. So investing now is both beneficial because you’ll buy for less not, but can sell or rent for more later.

One thing we’ve all likely learned as we go through the Covid-19 pandemic is that being mindful of our finances is important, and owning solid investments can help maintain our cash flow during times of crisis. Real estate is one such solid investment, literally and figuratively, that has proven beneficial in the past, and will continue to do so now and in the future.

Ready to begin your property investment journey? Visit Ohmyhome online for the best and latest real estate for sale in the Philippines, or download the Ohmyhome app to conveniently access from almost anywhere.

Need help with your search or with the real estate process? Connect with an Ohmyhome agent for professional property advice and assistance.


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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Buy

Sell

Rent

For Tenants

Lease

For Landlords

Articles

Buy

get an agent

Buy with an Agent

Dedicated experts at your service

FOR OFWS

Buy a Property in the Philippines

Come home to the property of your dreams.

Buying for Investment

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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