Kahit magkaroon pa ng limang bahay si maam joy, we shoudnt be suprise at all. Sa talino ba nman nyang yan plus inaartehan pa nya ang pananalita nya. Even if she has ten homes she deserve it,she is smart and kind. Full support aketch.
you have an investor mind...you are just sharing your tips how you get it... focus on your dreams not what other thinks.. thanks for sharing your tips.. you are a vlogger... sometimes it is better not to tell others
I agree with you, you own the property even though you are still paying for the mortgage. There is an annotation in the title thay says it is under a mortgage to the bank and will be updated eventually when it is paid off. Hayaan mo lng mga ganyan tao, naghahanap lang yan ng mapapag usapan. Btw, I am a new subscriber from Fort St. John BC Canada. I like how you talk, very informative, you are witty and humble to me. At an early age, you and your husband accomplished a lot. Good job!
That's the point, the target audience are mostly those who are in Canada. Hindi talaga maiintindihan un terms unless you are in the same experience. 😊 Sa pinas kasi may ibang tao na ayaw makakita ng success ng ibang tao. 😊 All the best Joy and Kiks.
Wag nyo po pansinin mga bashers. Keep on spreading positivity Ms Joy. Napansin ko sa mga comment sections ng mga video nyo madami kayong nainspire dati mula nung sa pagvideo nyo about PEI, I can say na may mabait na puso ang buong family nyo. May nagcomment pa sa fb page nyo na parang bagong student na naheart attack pero kayo ni husband nyo yung nakahelp sa kanya. anyway, basta dont mind the bashers Ms Joy
There are different interpretations about who owns a home whether you be in Australia, US, UK or Philippines. The reality is that as long as you are paying your mortgage to a bank, the bank has all the right to take it away from the lender if it default on its payments. This reality can happen to anyone at any time whether they get sick unexpectedly or laid off from a good paying job. So in layman's terms you only own a home if it fully paid
all yours po!!! madami talaga na magagaling, hahaha! sa inyo parin ang bahay, then may loan kayo at ginawa nyo na collateral ang bahay or in-short mortgage. In Accounting, sa financial statements nyo, ang nga bahay ay listed as assets nyo and yung mortgage ay under liabilities. Part of the ownership ang responsibilities na maintain and pay insurance and property taxes and nakapangalan sa inyo ang mga bahay, so owned nyo ang mga bahay, period!
Good points mentioned. To OG commenter, I think nalilito ka sa difference ng collateral vs ownership. Learn this with quotes din para intense: "COLLATERAL" does not mean "OWNERSHIP", but it can give the lender the right to take ownership of an item if the borrower doesn't repay a loan. Ownership ay dun sa nangutang hindi sa nagpautang. Pag ba sinangla ko sayo ang kotse ko sayo na sya at hindi na akin? Same logic follows if sa tingin mo bangko ang may ari ng bahay. So susunod na may kakwentuhan ka at may parehas na philosophy in life, talk about difference of collateral and ownership. To Joy a& kiks: Congrats ulit to your new house! :)
Ako, hindi na-click bait.. sa thumbnail pa lang, parang common sense na agad na lumipat kayo ng 3x. hindi bumili dahil siguro napanood ko yung mga other videos nyo and nabanggit nyo nga din po yun. Basta po madam, dahil sa inyo, pinupush namin ang pag-Cacanada.. Wala pong mali sa ginagawa nyo, may mga tao lang talagang imbis na matuwa, ay nanghihila pa pababa. THINGS TO CONSIDER: You have a happy and healthy family, may bahay kayo, and you are YOUNG. Tingin ko ay yun ang hindi matanggap ng ibang mga tao. Again, tingin lang sa positives!
Kaya hindi ako kumukuha ng bahay kahit afford ko kasi its not generating cashflow unless you rent out the rooms. Yung mga ibang lahi hindi muna sila kumukuha ng bahay. Nag iistart muna silang mag small business. Pag nag click na yung business nila saka pa lang sila kukuha ng bahay. I believe in living on less than you make kaya marami sa ating mga kababayan ang nababaon sa utang.
@@jezlincunada5854 also, 10 jobs while you are at your 30s means instability. Finally, keeping an employee mindset won’t yield as high of a return as you may think.
Kahit magkaroon pa ng limang bahay si maam joy, we shoudnt be suprise at all.
Sa talino ba nman nyang yan plus inaartehan pa nya ang pananalita nya. Even if she has ten homes she deserve it,she is smart and kind.
Full support aketch.
Maraming salamat po sa suporta nyo po❤️
you have an investor mind...you are just sharing your tips how you get it... focus on your dreams not what other thinks.. thanks for sharing your tips.. you are a vlogger... sometimes it is better not to tell others
Maraming salamat po. ❤️❤️❤️
I agree with you, you own the property even though you are still paying for the mortgage. There is an annotation in the title thay says it is under a mortgage to the bank and will be updated eventually when it is paid off. Hayaan mo lng mga ganyan tao, naghahanap lang yan ng mapapag usapan. Btw, I am a new subscriber from Fort St. John BC Canada. I like how you talk, very informative, you are witty and humble to me. At an early age, you and your husband accomplished a lot. Good job!
Sobrang maraming salamat po sa support nyo❤️❤️❤️
That's the point, the target audience are mostly those who are in Canada. Hindi talaga maiintindihan un terms unless you are in the same experience. 😊 Sa pinas kasi may ibang tao na ayaw makakita ng success ng ibang tao. 😊 All the best Joy and Kiks.
Maraming salamat po❤️❤️❤️❤️❤️
Wag nyo po pansinin mga bashers. Keep on spreading positivity Ms Joy. Napansin ko sa mga comment sections ng mga video nyo madami kayong nainspire dati mula nung sa pagvideo nyo about PEI, I can say na may mabait na puso ang buong family nyo. May nagcomment pa sa fb page nyo na parang bagong student na naheart attack pero kayo ni husband nyo yung nakahelp sa kanya. anyway, basta dont mind the bashers Ms Joy
Maraming salamat po❤️
There are different interpretations about who owns a home whether you be in Australia, US, UK or Philippines. The reality is that as long as you are paying your mortgage to a bank, the bank has all the right to take it away from the lender if it default on its payments. This reality can happen to anyone at any time whether they get sick unexpectedly or laid off from a good paying job. So in layman's terms you only own a home if it fully paid
Ikaw ang home owner pero utang yun sa bank kung under mortgage . But if you fail the payment then you will end up forclosure at kunin na ng bank.
Maraming salamat po❤️
Don't mind the bashers Ate.. More bashers more engagement..
Hi Kuya Puto❤️❤️❤️ salamat po
❤
Salamat po
Isa pa, just to differiante, ang pagbili is a transaction, whether it’s by cash or credit ay ang mode of payment.
💯 salamat po❤️
all yours po!!!
madami talaga na magagaling, hahaha!
sa inyo parin ang bahay, then may loan kayo at ginawa nyo na collateral ang bahay or in-short mortgage. In Accounting, sa financial statements nyo, ang nga bahay ay listed as assets nyo and yung mortgage ay under liabilities. Part of the ownership ang responsibilities na maintain and pay insurance and property taxes and nakapangalan sa inyo ang mga bahay, so owned nyo ang mga bahay, period!
Salamat po sa inyo at sa mga insights nyo❤️❤️❤️
Good points mentioned. To OG commenter, I think nalilito ka sa difference ng collateral vs ownership.
Learn this with quotes din para intense: "COLLATERAL" does not mean "OWNERSHIP", but it can give the lender the right to take ownership of an item if the borrower doesn't repay a loan. Ownership ay dun sa nangutang hindi sa nagpautang. Pag ba sinangla ko sayo ang kotse ko sayo na sya at hindi na akin? Same logic follows if sa tingin mo bangko ang may ari ng bahay.
So susunod na may kakwentuhan ka at may parehas na philosophy in life, talk about difference of collateral and ownership.
To Joy a& kiks: Congrats ulit to your new house! :)
Salamat po sa mga advises at maraming maraming salamat po sa suporta nyo❤️❤️❤️
@@JoyInAlberta ay sorry baka misinterpret nyo. para dun sa commenter yung target ng comment ko. Sorry kung confusing haha
@@LuiseG22017 ok lang po hehe maraming salamat po❤️
Ang need yatang panoorin nung commenter is "Paano magkaroon ng Common Sense sa Canada" and "Paano magkaroon ng Positivity sa buhay sa Canada" 🤣🤣
Hehe sana po ay mabuhay tayong lahat sa mundong puno ng pagmamahal❤️
@jezlincunada5854 are you suggesting we continue to rent nalang po?
@@jezlincunada5854 how much po dpt? And where would you recommend?
Ako, hindi na-click bait.. sa thumbnail pa lang, parang common sense na agad na lumipat kayo ng 3x. hindi bumili dahil siguro napanood ko yung mga other videos nyo and nabanggit nyo nga din po yun. Basta po madam, dahil sa inyo, pinupush namin ang pag-Cacanada.. Wala pong mali sa ginagawa nyo, may mga tao lang talagang imbis na matuwa, ay nanghihila pa pababa. THINGS TO CONSIDER: You have a happy and healthy family, may bahay kayo, and you are YOUNG. Tingin ko ay yun ang hindi matanggap ng ibang mga tao. Again, tingin lang sa positives!
Maraming salamat po sobrang saya po na malaman na may nakakaapreciate po sa mga efforts namin. Salamat po❤️❤️
Kaya hindi ako kumukuha ng bahay kahit afford ko kasi its not generating cashflow unless you rent out the rooms. Yung mga ibang lahi hindi muna sila kumukuha ng bahay. Nag iistart muna silang mag small business. Pag nag click na yung business nila saka pa lang sila kukuha ng bahay. I believe in living on less than you make kaya marami sa ating mga kababayan ang nababaon sa utang.
Maraming maraming salamat po kuya
You have all the documents it’s uder your name therefore your the owner of the house. Inggit lang yan sila.
Maraming salamat po❤️❤️
pilosopo sya. its under your name. so its yours.
Maraming salamat po
Inggit lng c la😅
Maraming salamat po
@jezlincunada5854 would you have any tips how we can pay off po our home? We’d love to hear from you po. 🥰
@@jezlincunada5854 my 2cents. what’s expensive for you, won’t mean it’s expensive for everyone 😉
@@jezlincunada5854 also, 10 jobs while you are at your 30s means instability.
Finally, keeping an employee mindset won’t yield as high of a return as you may think.
Inggit lang yon hahaha wag nang pansinin….
Maraming maraming salamat po sa support❤️
Utang po ang bahay . 😬✌🏽
Bakit sinabi nya b na fully paid n cxa sa bahay maliwanag namn n sinabi nya na hinuhologan nla
Salamat po
@@Sharonsouthvlogmaraming salamat po sa support nyo❤
@@JoyInAlbertayoure welcome sis 😍