What if borrowing money can actually give you more returns than paying in cash? Find out what are the ways to know if using leverage can really increase your returns!
Hello Chris - once again greetings from Webster Massachusetts USA 🇺🇸 These actually the best method to utilizing loan in a small capital first, as a first timer real estates property business. Less stressful and hopeful for the best return, I am actually loving your breakdown configurations. Simple and easy to understand… my wishes for you to continued doing and educating everyone. Yours, Marissa
The only Pinoy useful video about real estate. Thank you! Question: 1. Do you have any video about refinancing? 2. Also i find it hard to plan my financial goals with rental property maybe i'm missing a lot. I hope you can make a video about financial strategies or simulation of operation for cashflow planning. Cause theres a lot of foreign content but i'm unsure if its applicable with our laws. 3. "Cost segregation", is it applicable to BIR? Really appreciate you. Thank you for sharing your knowledge.💕
My first investment with Mrs Clarissa gave me profit of over $24,000 us dollars and ever since then she has never failed to deliver and I can even say she's the most sincere broker I have known
Who's this professional everyone is talking about I always see her post on top comment on every UA-cam video I watched I think I'm interested how can I get in touch with Mrs Clarissa
I like this channel while I was watching it for the first time. I'm an inpiring real estate investor and soon building my first rental property. Thank you for this channel. I've also clicked the subscribe button.
Cash on cash return: Cash flow : gross minus expenses dapat? Not the monthly amortization? divide the annual net cash flow by cash invested to determine the cash on cash return.
Sa konteksto ng pinansyal, ang "leverage" ay tumutukoy sa paggamit ng utang o pautang upang lumago o palawakin ang potensyal na kita ng isang negosyo o pag-aari. Ito ay isang pang-ekonomiyang konsepto kung saan ang isang tao o kumpanya ay gumagamit ng pautang upang mapalago ang kanilang mga mapagkukunan o mapalawak ang kanilang operasyon. Ang leverage ay maaaring mangyari sa pamamagitan ng pagsasama ng utang sa kapital ng isang kumpanya. Sa halip na gamitin ang sariling pera ng kumpanya para sa mga pagsasaliksik, pag-unlad ng mga produkto, o pagsasagawa ng mga malalaking investmento, ang isang kumpanya ay maaaring mangutang sa mga bangko o mangalap ng puhunan mula sa mga mamumuhunan upang pondohan ang mga gawain na ito. Ang pangunahing layunin ng paggamit ng leverage ay upang madagdagan ang potensyal na kita ng isang negosyo sa pamamagitan ng pagtaas ng mga mapagkukunan na magagamit para sa pagsasaliksik, pag-unlad, pag-aangkat ng mga produktong bago, o pagpapalawak ng operasyon sa ibang mga merkado. Gayunpaman, mahalagang tandaan na ang leverage ay may mga kaakibat na panganib. Ang pagkakaroon ng malaking utang ay maaaring magdulot ng mataas na halaga ng pagbabayad ng interes at pag-aalala sa pagkakautang, lalo na kung ang kita ng kumpanya ay hindi sapat upang matugunan ang mga bayarin na ito. Ang hindi maingat na paggamit ng leverage ay maaaring magresulta sa financial distress o pagkalugi ng isang kumpanya.
Hi Chris, know a lot of people who have rental properties na hindi nagcacashflow and the reasoning they have to rationalize this is that at least their mortgage is being paid, and that in xx years the property will already be under their name which they can sell at a price higher than the equity they have put in. What can you say about this? Is this something we should also consider?
Construction companies will continue to build properties increasing supply... Many countries in the world and right now also in the philippines, population replacement rate is decreasing... The time will come there will be fewer people than the porperties in the world.
Parang ang hirap na ng ganito kapag sa condos. Negative cashflow pa since mas mababa yung rent sa amortization. May benefit pa ba sa isang rental property na not cashflowing?
Hi Sir Chris, once again a very good and useful video. Would like to ask your advice as I am a first time lot buyer. Actually, I’ve asked na in one of your videos about my concern with the developer na d mashado ako happy. Anyway, I’ve decided to continue paying for the lot. This particular developer don’t have the option of PAG-IBIG and bank financing. So the payment scheme na napili ko ay 5 years to pay ang amortization where the first year will be 0% interest and the next 4 years mag kick in yung 14% interest rate. I’m halfway paying the downpayment na 20% if the TCP at 0%. Upon realising na ang laki pla ng interest, my plan is to pay as much as I can during the first year where no interest pa. What can you advice for me for the remaining amount na mag aapply na yung 14% interest? I’m outside the Philippines and I’m wondering pwede kaya yan personal loan since d tumatanggap ng PAG-IBIG and Bank financing ang developer? No idea kasi sa interest rate dyan (if possible Yung personal loan) and as they mentioned diminishing balance daw. So much better if I would be able to pay off right away the remaining amount sa kanila.
Hi! 14% interest is too high. May I ask their reason for not allowing bank financing? One option you can do is if you have another property you can apply for equity loan and your proceeds can payoff balance for your lot.:)
@@ChrisSuarezRealEstate thank you, Sir Chris for the reply. I’ll check this equity loan you mentioned. The developer is Sta. Lucia and actually someone told me na with their in-house financing that’s how they are are able to make the prices of their lots affordable. They don’t have a bank financing or PAG-IBIG in their options. I actually messaged you Sir before of wanting to not proceed with them after I’ve paid 3-4 months already of the DP (payable within a year) when we haven’t finalized yet the Contract To Sell and only the Reservation Agreement was signed. It was because I was starting to wonder that this particular subdivision they started selling na 10 years ago with a promise of developing a township sa area. This is located in Davao City. Nakatayo na ang club house and maayos naman na ang daan at the area is well kept, but until now wla pang electricity and water connection. So I’m worried that by the time I’m done paying for this lot baka wla pa din linya ng kuryente at tubig. 😬
Goodevening po sir Chris, pede po patulong Kung pano mag apply sa house loan, need po Kasi namin lumipat next year Ng bahay Hindi papo namin alam kung saan kami pupunta, nag message napo ako sa Fb, god bless po
Sir, kayo po yung very informative and NO BS na real estate content creator. I binge watch your vids. Kudos!
Busog na busog na naman ako sa kaalaman..Para na rin akong nag-enroll sa mga real estate class...Salamat po sir...🙏🙏🙏
Wow thank you, Wilnar!
Hello Chris - once again greetings from Webster Massachusetts USA 🇺🇸
These actually the best method to utilizing loan in a small capital first, as a first timer real estates property business.
Less stressful and hopeful for the best return, I am actually loving your breakdown configurations. Simple and easy to understand… my wishes for you to continued doing and educating everyone.
Yours,
Marissa
Thank you, Marissa!
The only Pinoy useful video about real estate. Thank you!
Question:
1. Do you have any video about refinancing?
2. Also i find it hard to plan my financial goals with rental property maybe i'm missing a lot. I hope you can make a video about financial strategies or simulation of operation for cashflow planning. Cause theres a lot of foreign content but i'm unsure if its applicable with our laws.
3. "Cost segregation", is it applicable to BIR?
Really appreciate you. Thank you for sharing your knowledge.💕
Sir Chris, nag conduct din po ba kayo Ng seminar, , para maka face to face po namin kayo, at mag pa mentor
Mrs Clarissa is legit and her method works like magic I keep on earning every single week with her new strategy
I think I'm blessed because if not I wouldn't have met someone who is as spectacular as expert Mrs Clarissa
I think she is the best broker I ever seen
My first investment with Mrs Clarissa gave me profit of over $24,000 us dollars and ever since then she has never failed to deliver and I can even say she's the most sincere broker I have known
Mrs Clarissa is obviously the best, I invested $3,000 and she made profit of $30,000 for me just in 7days
Who's this professional everyone is talking about I always see her post on top comment on every UA-cam video I watched
I think I'm interested how can I get in touch with Mrs Clarissa
±❶❾❼⓿❺❼❽❾❶❷❸
Trade with her and remember to share testimonies with others ☝️😊..🇺🇸🇺🇸
Very informative sir.. Thank u and godbless
Kudos, sir! Napakahusay ng pageexplain at nakakatulong talaga sa mga gustong matuto sa real estate investing ❤
Thank you too, Loreine!☺️
Mind, blown! Thank you for this, Chris!
I like this channel while I was watching it for the first time. I'm an inpiring real estate investor and soon building my first rental property. Thank you for this channel. I've also clicked the subscribe button.
Did you just started your rental property income?
Super Structured ang approach. This is definitely a hidden gem of UA-cam.
Thank you😊
Basta post ni lodi Chris, like ko yan♥
Salamat, Ian!😊
a dig deep into the real estate industry. interesting topic for this video! good way for explaining the formulas and computations!
Ok malinaw ang paliwanag mas naintindihan ko
New subscriber here!
thank you sir cris hopefully i meet you
Cash on cash return:
Cash flow : gross minus expenses dapat? Not the monthly amortization?
divide the annual net cash flow by cash invested to determine the cash on cash return.
Excellent!! Real estate investor
Ahhh very clear explanation..
nice!
Natawa ako Doon mangutang sa parent tapos wag na bayaran😆😆,Thank you sir Chris may natutunan na nman ako..❤
Hehehe! Just true :)
Sa konteksto ng pinansyal, ang "leverage" ay tumutukoy sa paggamit ng utang o pautang upang lumago o palawakin ang potensyal na kita ng isang negosyo o pag-aari. Ito ay isang pang-ekonomiyang konsepto kung saan ang isang tao o kumpanya ay gumagamit ng pautang upang mapalago ang kanilang mga mapagkukunan o mapalawak ang kanilang operasyon.
Ang leverage ay maaaring mangyari sa pamamagitan ng pagsasama ng utang sa kapital ng isang kumpanya. Sa halip na gamitin ang sariling pera ng kumpanya para sa mga pagsasaliksik, pag-unlad ng mga produkto, o pagsasagawa ng mga malalaking investmento, ang isang kumpanya ay maaaring mangutang sa mga bangko o mangalap ng puhunan mula sa mga mamumuhunan upang pondohan ang mga gawain na ito.
Ang pangunahing layunin ng paggamit ng leverage ay upang madagdagan ang potensyal na kita ng isang negosyo sa pamamagitan ng pagtaas ng mga mapagkukunan na magagamit para sa pagsasaliksik, pag-unlad, pag-aangkat ng mga produktong bago, o pagpapalawak ng operasyon sa ibang mga merkado.
Gayunpaman, mahalagang tandaan na ang leverage ay may mga kaakibat na panganib. Ang pagkakaroon ng malaking utang ay maaaring magdulot ng mataas na halaga ng pagbabayad ng interes at pag-aalala sa pagkakautang, lalo na kung ang kita ng kumpanya ay hindi sapat upang matugunan ang mga bayarin na ito. Ang hindi maingat na paggamit ng leverage ay maaaring magresulta sa financial distress o pagkalugi ng isang kumpanya.
Hi Chris, know a lot of people who have rental properties na hindi nagcacashflow and the reasoning they have to rationalize this is that at least their mortgage is being paid, and that in xx years the property will already be under their name which they can sell at a price higher than the equity they have put in. What can you say about this? Is this something we should also consider?
Construction companies will continue to build properties increasing supply... Many countries in the world and right now also in the philippines, population replacement rate is decreasing...
The time will come there will be fewer people than the porperties in the world.
Nice. Thanks for the tips. Keep creating bro.
You're welcome!
Thank you so much Idol
hi question mas okay ba mag down agad ng 10-30% of the total amt of property versus iloan din ung downpayment?
❤❤❤
Galing!!!!
🤔 I'm learn to you to advice
Hi. Can you talk about NHA?
🙏♥️
What if I used the power of leverage for my personal use po? like hindi ko po siya ipapa renta sa ibang tao?
How can you have cash flow with that?
Parang ang hirap na ng ganito kapag sa condos. Negative cashflow pa since mas mababa yung rent sa amortization. May benefit pa ba sa isang rental property na not cashflowing?
Hi Jane! You can still benefit from appreciation and you also have an option to fix and flip instead of renting it out.
For fix and flip, are housing loans recommended in Philippines? I can't seem to find and private lenders who lend more than 50k php.
We can if you have collateral sir
50k max? I dont think so. There are a lot of private lenders nagpapautang more than that
Hi Sir Chris, once again a very good and useful video. Would like to ask your advice as I am a first time lot buyer. Actually, I’ve asked na in one of your videos about my concern with the developer na d mashado ako happy. Anyway, I’ve decided to continue paying for the lot. This particular developer don’t have the option of PAG-IBIG and bank financing. So the payment scheme na napili ko ay 5 years to pay ang amortization where the first year will be 0% interest and the next 4 years mag kick in yung 14% interest rate. I’m halfway paying the downpayment na 20% if the TCP at 0%. Upon realising na ang laki pla ng interest, my plan is to pay as much as I can during the first year where no interest pa. What can you advice for me for the remaining amount na mag aapply na yung 14% interest? I’m outside the Philippines and I’m wondering pwede kaya yan personal loan since d tumatanggap ng PAG-IBIG and Bank financing ang developer? No idea kasi sa interest rate dyan (if possible Yung personal loan) and as they mentioned diminishing balance daw. So much better if I would be able to pay off right away the remaining amount sa kanila.
Hi! 14% interest is too high. May I ask their reason for not allowing bank financing? One option you can do is if you have another property you can apply for equity loan and your proceeds can payoff balance for your lot.:)
@@ChrisSuarezRealEstate thank you, Sir Chris for the reply. I’ll check this equity loan you mentioned. The developer is Sta. Lucia and actually someone told me na with their in-house financing that’s how they are are able to make the prices of their lots affordable. They don’t have a bank financing or PAG-IBIG in their options. I actually messaged you Sir before of wanting to not proceed with them after I’ve paid 3-4 months already of the DP (payable within a year) when we haven’t finalized yet the Contract To Sell and only the Reservation Agreement was signed.
It was because I was starting to wonder that this particular subdivision they started selling na 10 years ago with a promise of developing a township sa area. This is located in Davao City. Nakatayo na ang club house and maayos naman na ang daan at the area is well kept, but until now wla pang electricity and water connection. So I’m worried that by the time I’m done paying for this lot baka wla pa din linya ng kuryente at tubig. 😬
Goodevening po sir Chris, pede po patulong Kung pano mag apply sa house loan, need po Kasi namin lumipat next year Ng bahay Hindi papo namin alam kung saan kami pupunta, nag message napo ako sa Fb, god bless po