Clark_Kent Posted August 30, 2006 Share Posted August 30, 2006 I'll go for a HOUSES and LOTS... para mas malaki at malawak ang BAHAY at LUPAIN ko... Hehe... If not, I'd go for a CONDO UNIT then di ako titira dun, paparentahan ko lang... Hehehe... Quote Link to comment
james4ever_007x Posted August 30, 2006 Share Posted August 30, 2006 I THINK HOUSE AND LOT FOR ME.. IT'S LIKE YOU HAVE YOUR OWN CASTLE ADN YOU ARE THE KING .. YOU CAN DO WHAT YOU WANT AND YOU MAKE ALL THE RULES INSTEAD OF FOLLOWING THE RULES OF OWNING A CONDO UNIT.. Quote Link to comment
Clark_Kent Posted August 30, 2006 Share Posted August 30, 2006 I THINK HOUSE AND LOT FOR ME.. IT'S LIKE YOU HAVE YOUR OWN CASTLE ADN YOU ARE THE KING .. YOU CAN DO WHAT YOU WANT AND YOU MAKE ALL THE RULES INSTEAD OF FOLLOWING THE RULES OF OWNING A CONDO UNIT.. Make sense... But you're not angry don't you ??? Quote Link to comment
james4ever_007x Posted August 30, 2006 Share Posted August 30, 2006 Make sense... But you're not angry don't you ??? Dude I'm not angry hehheehhe.. just airing out my comments did not mean anything ...hahhahahahha Quote Link to comment
Clark_Kent Posted August 30, 2006 Share Posted August 30, 2006 Dude I'm not angry hehheehhe.. just airing out my comments did not mean anything ...hahhahahahha Hehehehe... Just kidding! :evil: I was refering to your ALL CAPS post that is... Quote Link to comment
kitzsen18 Posted September 4, 2006 Share Posted September 4, 2006 house and lot....... Quote Link to comment
koopahl Posted September 4, 2006 Share Posted September 4, 2006 i have a house and lot where i've been living for the past seven years...it gets kinda boring what with the same faces in the neighborhood, like i ever see the neighbors for that matter... i've lived in a condo before, though the cost of living in one are astronomically higher than a house, i've enjoyed the amenities and perks available there unlike in my house, i.e. ogling, party-watching, babe-viewing, eavesdropping, snooping, etc. Quote Link to comment
complicated8 Posted September 4, 2006 Share Posted September 4, 2006 i do prefer a condo. house & lot, you have to deal with neighbors (tsismosa), etc. of course, amenities, gym, pool, etc. Quote Link to comment
caladryl Posted September 4, 2006 Share Posted September 4, 2006 mas malapit nga kapit bahay sa condo unless you have the whole floor to yourself. house and lot appreciate more than condo. pagnasunog ang condo or nasira sa earthquake paano na yun at least sa house and lot the lot is yours Quote Link to comment
roaddog z Posted September 4, 2006 Share Posted September 4, 2006 I hate condo association dues. Not only that, utilities are higher in some cases. I'll stick to the house and lot! Quote Link to comment
mr568 Posted September 11, 2006 Share Posted September 11, 2006 haus and lot- pero mansion ang pagkakagawa - 8-10 rooms for the hot gurls - 2 master bed - 1 guest room - 1 kid room - 1 pool - 1 jakuzi - 4 car lots - 1 heli pad hehehehheheheh aztig :hypocritesmiley: Quote Link to comment
baccaratboy Posted September 21, 2006 Share Posted September 21, 2006 Ofcourse, I prefer a house and lot! Quote Link to comment
Touching_drip Posted September 21, 2006 Share Posted September 21, 2006 Maganda and Condo kung ayaw mo ng maraming kuskus balungus. It's something I should've done instead of buying a lot and building a house, so far I spent P1.5 m building one on tiny 73 sq mtrs lot and I haven't gone that far dahil ground floor palang ang natapos at baon na ako sa utang. Quote Link to comment
hunter1130 Posted September 21, 2006 Share Posted September 21, 2006 its definitely a house and lot...a piece of land can cost up to million in due time...isnt it... :cool: :cool: :cool: :cool: Quote Link to comment
G T Posted September 22, 2006 Share Posted September 22, 2006 house and lot - long stay; since congested na ang metro manila, available house and lots are in the provincescondo - short stay; within metro manila if you're a city person and hates too much maintenance of the property, its a condo for you.if you're practical and look at the lot as a good investment, then is house and lot for you.i'm both. Quote Link to comment
THUG Posted September 22, 2006 Author Share Posted September 22, 2006 Maganda and Condo kung ayaw mo ng maraming kuskus balungus. It's something I should've done instead of buying a lot and building a house, so far I spent P1.5 m building one on tiny 73 sq mtrs lot and I haven't gone that far dahil ground floor palang ang natapos at baon na ako sa utang. you made a bad mistake putting up a long term loan.. do you know that on a long term loan like 10 years or more you actually end up paying more for interest than the actual loan amount? say you loan 1 million which is payable in 10 years, after 10 years you actually end up paying 4-5 million! hurry! if you can borrow from relatives, you immediately pay the principal before that eats you alive! and also when you buy a condo, the loan agreement is in-house (you loan from the company that sold you the unit), and the interest rate is higher (more than 20% per annum) and the term longer, 20 to 25 years, plus the association dues which is more than 2k pesos a month.. so in essence, you will NEVER own the unit.. this is more evil! even paying 2k pesos a month for association dues makes you tied up to those EVIL condo developers.. you cannot afford to lose a job otherwise they will kick you out of there if you can't pay the dues,even if you own the unit.. tips lang.. be careful of long term loans.. patay kayo sa loan companies like PAG-IBIG or banks.. aside from the interest marami pa silang ipinapatong na insurance dyan.. so that adds up to your monthly payment.. so if you pay around 6k monthly amortization, only 500 pesos of that amount gets deducted to the amount that you loaned, the rest gets eaten by interests BE INFORMED AND BE WARNED! Quote Link to comment
grandnemesis Posted September 22, 2006 Share Posted September 22, 2006 (edited) CONDO!!! I sold my house and lot ang got myself a condo because maintaining a house and lot is too tedious especially if you're a bachelor who spends less than 8 hrs at home every day. The house deteriorated after much neglect that I had to sell it and got myself a 3 bedroom condo unit that is as big as my house. Although the condo is much more expensive than the house per contract price or per sqm, I still love it. I love the security, I love the view, I love the way admin scrambles to your unit in case of problems or repair. You live like a king!!! PLUS of course your cute sexy condomates who flash at you from time to time. Sometimes you get free sex too!!! :cool: Now that is one price worth paying for!!! Not that I don't like houses and lots...I do...but owning a condo is different. You really can't compare the two...it's like comparing Ferrari with a 60 ft Yatch. Edited September 22, 2006 by grandnemesis Quote Link to comment
Touching_drip Posted September 22, 2006 Share Posted September 22, 2006 you made a bad mistake putting up a long term loan.. do you know that on a long term loan like 10 years or more you actually end up paying more for interest than the actual loan amount? say you loan 1 million which is payable in 10 years, after 10 years you actually end up paying 4-5 million! hurry! if you can borrow from relatives, you immediately pay the principal before that eats you alive! and also when you buy a condo, the loan agreement is in-house (you loan from the company that sold you the unit), and the interest rate is higher (more than 20% per annum) and the term longer, 20 to 25 years, plus the association dues which is more than 2k pesos a month.. so in essence, you will NEVER own the unit.. this is more evil! even paying 2k pesos a month for association dues makes you tied up to those EVIL condo developers.. you cannot afford to lose a job otherwise they will kick you out of there if you can't pay the dues,even if you own the unit.. tips lang.. be careful of long term loans.. patay kayo sa loan companies like PAG-IBIG or banks.. aside from the interest marami pa silang ipinapatong na insurance dyan.. so that adds up to your monthly payment.. so if you pay around 6k monthly amortization, only 500 pesos of that amount gets deducted to the amount that you loaned, the rest gets eaten by interests BE INFORMED AND BE WARNED! Thanks THUG I guess you're right, I should've been more careful instead of being padalos-dalos. Quote Link to comment
aft Posted September 22, 2006 Share Posted September 22, 2006 To grandnemesis = where's your condo? even if my loan would take me half of my life to pay, i'll take it! Quote Link to comment
Guest xHANGMANx Posted September 22, 2006 Share Posted September 22, 2006 (edited) you made a bad mistake putting up a long term loan.. do you know that on a long term loan like 10 years or more you actually end up paying more for interest than the actual loan amount? say you loan 1 million which is payable in 10 years, after 10 years you actually end up paying 4-5 million! hurry! if you can borrow from relatives, you immediately pay the principal before that eats you alive! and also when you buy a condo, the loan agreement is in-house (you loan from the company that sold you the unit), and the interest rate is higher (more than 20% per annum) and the term longer, 20 to 25 years, plus the association dues which is more than 2k pesos a month.. so in essence, you will NEVER own the unit.. this is more evil! even paying 2k pesos a month for association dues makes you tied up to those EVIL condo developers.. you cannot afford to lose a job otherwise they will kick you out of there if you can't pay the dues,even if you own the unit.. tips lang.. be careful of long term loans.. patay kayo sa loan companies like PAG-IBIG or banks.. aside from the interest marami pa silang ipinapatong na insurance dyan.. so that adds up to your monthly payment.. so if you pay around 6k monthly amortization, only 500 pesos of that amount gets deducted to the amount that you loaned, the rest gets eaten by interests BE INFORMED AND BE WARNED! Do you have proof on these claims???? For a one million loan payable in ten years on a straigth line amortization with a 20% interest rate per annum you will end up paying 3 million in total and in-house financing for Condo Development does not exceed 15years and FYI, banks and Finance houses do not charge more than 10% over the stated BSP 91 Day T Bill Rate for a long term loan yesterday, the BSP 91 day T-Bill rate was 5.381% so, the maximum interest rate per annum that banks and finance houses may charge for a long term loan is 15.381% and this rate is still negotiable FROM WHERE ARE YOU GETTING YOUR INFORMATIONS??? FOR those who are planning to get a housing loan don't go for the straight line amortization and with fixed per annum interest rate go for the diminishing balance amortization with an adjustable rate per annum if you are planning to get a loan from PAG IBIG please read this note Note: The interest rates on loans over two hundred twenty-five thousand pesos (P225,000) up to two million pesos (P2,000,000) shall be fixed for the first five years of the loan. At the beginning of the sixth year, HDMF shall reprice the outstanding balance of the loans at rates based on prevailing market rates at point of repricing, which shall not be lower than the original rates. For reference, see current interest table of PAG IBIG FUND Edited September 22, 2006 by xHANGMANx Quote Link to comment
Zamba Posted September 23, 2006 Share Posted September 23, 2006 Condo, only because it suits my lifestyle. Quote Link to comment
^jersey^ Posted September 23, 2006 Share Posted September 23, 2006 i think for singles and working, condo is in. however for those who r settling down... or with a family... house is definitely a ncessity... for investment i wud prefer a house & lot than condo because it depreciae i guess as the building old... Quote Link to comment
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