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caveat emptor

Blogs August 25, 2017

Google the meaning of the latin term caveat emptor and you will get “let the buyer beware.” It is a principle that the buyer alone is responsible to examine, judge, verify and check the condition or suitability of the product.

In the same manner, real estate investment comes with the inherent risk of caveat emptor, therefore it is important to conduct due diligence, inspect personally the property, get professional advise, examine and verify the titles and other evidence of ownership. Determine any unpaid taxes, bills, fees, charges and other expenses prior to actual purchase.

Investors know such risk and they understand the ‘Risk-Return Tradeoff’. The higher the risk, the higher the return but this is another topic for discussion.

No Down Payment Scheme

Blogs April 5, 2017

Have you noticed those unfinished projects in the metropolis? Buyers should deal only with financially stable developers to make sure that their hard-earned savings will not be tied to a project that takes forever to complete.

In installment/No dowpayment scheme, the risk is far greater than the benefits. Because of this, buyers must make sure that they have stable source of funds before signing the reservation form to avoid financial losses.

Some advantages and disadvantages of the installment/NO downpayment scheme are:
Developers can have a regular cash flow from the monthly payments of buyers while buyers can purchase a property with a minimal cash out. Developers can forfeit whatever amount paid by buyers and re-sell the same property even before the project is completed.

Read Maceda Law before purchasing a property thru installment scheme.

Bank Foreclosed Asset Investing

Blogs March 30, 2017

Investing your hard earned savings in real estate properties is a wise decision because it is easy to manage and it is safer compare to buying stocks. The return of investment is also higher than time deposits, bonds and treasury bills. Also, you can use it as leverage and borrow from banks if needed. Discover the opportunities in foreclosed assets. You may find them in developed communities. Good location will assure you of higher incremental real estate values.

Before you start your real estate investing business, do some research and read articles and blogs related to real estate activities. You may check also those thousands of for sale properties posted in different websites. Investing in foreclosed assets is rewarding but also time consuming because you need to conduct due diligence and check the actual conditions of the house. Foreclosed properties are for sale on “as is, where is” basis. You have to know the legalities involved, ownership issues, taxes and fees. If you don’t have time to do these things by yourself, engage the services of a license real estate broker.

There are advantages of having a licensed real estate broker by your side. In the Philippines, buyers get free services from real estate brokers (sellers usually pay the broker’s professional fees or commissions). Real estate brokers usually do the legwork, documentations and help you secure financing whenever needed.

Search haligi.com to find the best deals in bank foreclosed assets.

Rent to own promo

Blogs March 24, 2017

The Philippine real estate market outlook today is still very promising according to market experts. Prominent developers like Ayala Land, Vista Land, DMCI, SMDC, Filinvest Land, Robinsons Land, Megaworld, Sta. Lucia Realty and other regional property developers are continuously developing new projects to meet the residential, office, retail and hotel/leisure market leaving behind a number of unsold units in their previous projects.
To dispose their unsold inventories of ready for occupancy units, developers offer a rent-to-own promo to qualified buyers who have regular monthly income but do not have enough savings to pay the down payment in cash. These are mostly located in highly urbanized areas and ideal for BPO workers, OFW’s, and leasing investors.

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