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Published: 2017-10-03   

6 Easy Steps to Make Your Dream Home A Reality

Do you dream about having your own home-sweet-home sa Pinas, someday?

Do you dream about having your own home-sweet-home sa Pinas, someday?

To quote a celebrated American Author, Janet Daily, “Someday is not a day of the week.” 

You must set your “someday,” set your goal para buong puso at isip mo’ng ibubuhos ang atensyon mo sa pagkamit nito.  Baguhin natin ang ugaling “Siguro, kapag nakatapos na ako sa mga utang ko,” “Baka kapag nakapagtabi na ako ng pera.”  Sabi nga, “Dream, believe, and achieve!”

Paano nga ba? Here are concrete tips from Century 21 Topsail, a renowned real estate agency with over 36 years of experience. 

  1. Save, save, save.
    Matutupad lang ang pagpapatayo mo ng dream house kapag ready ka na with the funds to buy it or kaya mo na magpatayo nito. Kaya start ka nang mag-ipon for the funds that you will need. Mukhang mahirap lang sa umpisa, pero kapag nakaipon ka na, magkakaroon ka rin ng lakas ng loob to continue.

  2. Pay off your debt.
    Aim to eliminate all outstanding debt para mas focused ka na sa pagse-save. Cut on unnecessary expenses kung kinakailangan para mas mapadali ang pagbabayad mo ng mga utang. It may seem like forever pero pagsumikapan mo lang at makakatapos ka rin sa mga bayarin.

    (For more helpful infos on financial freedom, read https://souqpinoy.com/news/one-kind-of-freedom-we-aspire/)

  3. Mag-budget and stick to it.
    Sa pagpili ng dream house, maging honest ka sa sarili mo kung ano ang kaya mo at hindi mo afford. Pag-isipan rin kung ilang taon mo ito matatapos, ilang taong ipapagawa, atbp.  Make a strict budget of your fixed expenses — yung sahod mo, magkano dapat maging savings and magkano ang para sa pagbayad ng debts. As you save, have an emergency fund as well —mga 3-6 months’ worth of your salary para kahit ano’ng mangyari, may nakasantabi ka pa ring pera. Alisin ang unnecessary expenses and lahat ng luho. It will be worth it. 

  4. Alamin ang actual costs of owning your dream home.
    Ito ang pinaka importante. Kailangan na kaya mo at afford mo ang mortgage payments. Kung kaya mong ma-imagine, kaya mo din maging reality ang sarili mong bahay. Marble finish ba or wooden parquet; bungalow ba or two-storey? Mas aware ka sa mga kaakibat na gastusin ng pagkakaroon ng bahay, mas mapaghahandaan mo ang kakailanganing halaga.Pursue your goal, and soon makakatira ka na sa iyong dream home.

  5. Mag-research ng mortgage options.
    Take time to see for yourself yung mga lugar kung saan mo gusto bumili. Ikumpara ang lending rates. Magtanong sa mga kaibigan mo na nakatupad na ng kanilang dream home to share their experience, and be prepared with additional costs. Maglaan ng pera para sa home owner’s insurance, down payment, property taxes, lahat ng common fees that come with home ownership. Kailangan ng konting pag-aaral dito, pero hangarin mo’ng matutunan para alam mo ang mga binabayaran mo.

  6. (For more helpful infos on government housing loans, read https://www.pagibigfundservices.com/HousingLoan/Apply/Default.aspx )

  7. Humanap ng experienced real estate agent.
    Ngayon, ready ka na sa pinakamasayang part—-paghahanap ng iyong dream home and making it a reality. Rely on an experienced real estate agent with a good track record to help and guide you.

  8. Take the first step towards achieving your dream home! Start today!

Source/s:

*Century 21 Topsail (http://www.century21topsail.com/)

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