12/08/2026
Mali ang computation mo kung monthly payment lang ang binibilang mo.
Ito ang isang bagay na sana mas maraming first-time homebuyers ang nakakaalam.
Kapag may nakita kang property na:
“₱15,000/month only!”
Natural lang na isipin:
“Ah, kaya ko 'yan.”
Pero teka muna.
₱15,000 ba talaga ang magiging total impact nito sa finances mo?
What about the other costs?
May initial payment.
May possible loan-related expenses.
May insurance or other applicable charges.
May utility deposits.
May furnishing.
May maintenance.
May transportation.
At higit sa lahat—
may buhay ka pa ring kailangang gastusan habang binabayaran mo ang bahay.
Kaya hindi sapat ang tanong na:
“Kaya ko ba ang monthly?”
Mas magandang tanong:
“Pag binayaran ko ito buwan-buwan, comfortable pa ba akong mabubuhay?”
May savings pa ba?
May emergency fund pa ba?
May budget pa ba para sa family?
May room pa ba kapag may unexpected expense?
May capacity ka pa bang mag-adjust kung tumaas ang ibang living expenses?
Because homeownership shouldn't put you in a situation where every payday becomes survival mode.
At isa pa—
Huwag mong i-base ang budget mo sa maximum na kaya mong bayaran.
Mas magandang mag-budget based on an amount that you can comfortably sustain.
Kaya bago ka ma-excite sa isang monthly payment, do the math.
Monthly payment is a starting point—not the whole story.
Real estate is not just about getting the keys.
It's about being able to keep the keys.
— Stephen Joshua M. Llaga
Accredited Real Estate Salesperson
📱 0966 206 1234 | Viber Ready
