We are a Community. Our mission is to encourage every Filipino to learn how to Save, Invest their money and plan for their Retirement.

Latest Posts

May 1, 2016

Pinoy Investor: What our members say about Pinoy Investor?



Is PinoyInvestor really useful? Is it worth it to upgrade and subscribe to Premium Access?
We’d be biased if we answer these questions ourselves, so we’ll let our members do the talking:


"I just want to thank PinoyInvestor. It has helped me a lot in choosing what stocks to trade. I've been getting bigger returns. Glad I decided to upgrade my subscription after how many months of just getting it for free.” 
- Wilhelm R.


"You guys are awesome! I love reading your articles and will continue doing so forever (or as long as you are publishing)! Happy investing! From your Lifelong Member"
- Ray Z.


"Thanks for all the info you send. Your inputs are very valuable and lessen my fear about the stock market. Keep up the good work, please. You're a great help to your subscribers, me in particular. 'Til next renewal. :)”
- Rhodora T.



These are just some testimonials of actual members who have tried PinoyInvestor's Premium Access subscription.

What do you get as a Premium Access member, you ask?
a. Stock Rankings: Table summarizing Target Prices and Buy, Sell, or Hold recommendations of 80++ stocks!
b. Stock in Focus: Fundamental Analysis reports - including growth opportunities, recommendations, and profit potential!
c. Special Reports: Exclusive reports on upcoming IPOs, Philippine macroeconomic analyses, and how various factors affect the stock market!
d. Technicals Talk: Technical Analysis reports, which include Support, Resistance, chart patterns, recommendations, and short-term price targets!

Free Version members do not have access to all these useful information, so get Premium Access right now to be a smart investor!

Happy smart investing!

Contributor:
Pinoy Investor is the ultimate resource for making smart stock investment decisions in the Philippines! Why? Because it is the country’s most extensive source of stock market research, analyses, and reports – prepared by the Philippines’ top brokerage firms!

The OFW's Guide to Investing in Philippine Stock Market


OFWs are generally leaving their families to find better job opportunities abroad with purpose of helping their loved ones. With their hard-earned money, they open savings account in the bank to earn interest. Others invest in mutual funds and real estate by buying house or condominium unit. However, investing stock market is one option to diversify your investment.
Because investing in stock market involves volatility and offers no guarantee, OFWs are quite reluctant to take the risk. Moreover, because of lack of knowledge, some people find the idea of investing scary and daunting. Therefore, it is important to seek help and advice before you begin your financial journey in the stock market.
Educate yourself before you invest
As newbie investor, the best way to minimize risk and gain potential return in the future is to educate yourself. How? Do research by addressing these sample questions that will guide you along the way.
  • What is my financial goal of investing in stock market?
  • Is the stockbroker accredited or not?
  • Should I go for trading or investing for a long-term?
  • When is the right time to buy and sell stocks?
These questions can be answered by searching Google, watching TV program on financial literacy (ANC on the Money and Peso and Sense are good examples), and finding mentor with investing experience. You cannot afford to lose your money because you didn’t do your part and educate yourself as a future investor. As an investor, it is your responsibility to learn how stock market works.
How to earn in stock market
There are two ways to make money from stock market: dividend and capital appreciation. As stock shareholder of the company you are entitled to receive dividends depending on the performance of the company. Capital appreciation is the rise of price value per stock over time. Some stockbrokers provide online platform where transactions can be done online for clients. As an OFW in Saudi Arabia or Singapore, you will now have opportunity to access your portfolio.
Have an emergency fund 
It is advisable to have emergency fund for at least three to six months worth of your monthly expenses before you invest in stock market. For instance, if your monthly expense is 30,000 pesos you should have at least 90,000-180,000 pesos.  Your emergency fund will protect your stocks from unforeseen need like accidents, health issues, and unexpected expenses. In this case, you do not have to sell your stocks from time to time because you have emergency fund. It will also allow you to continue your current lifestyle without going into debt.
Deal with license firm and broker 
With many fraudulent investment scheme, it is necessary to verify whether the stockbroker you are dealing with is accredited by Philippine Stock Exchange (PSE). A complete list of accredited stock-brokerage company can be found at PSE website. Be sure to transact directly with a legitimate firm or its licensed representative. Before you open account, be cautious about people who are giving you misleading claims and promising high return of investment in short period of time.
Stock investing requires discipline
Stock market investing requires a lot of discipline in the beginning. As an OFW, oftentimes you are obliged to send all the money to your loved ones. However, you need to set aside reasonable amount regularly to buy stocks if you want to grow your money. The stockbroker like COL Financial usually requires a minimum amount of 5,000 pesos as initial fund. Succeeding amount depends on the clients as long as it will not be lowered that 1,000 pesos so that you will not be incurred of bank charges. Investing in stock market will give you opportunity to be cautious on how you spend your money. Discipline and sound spending habits is another key to financial success.
Contributor:
Jun Amparo started blogging since 2015. He loves to write short stories, reflections, and articles about personal finance and investment. He is a financial advocate and also a member of the Truly Rich Club. You can reach him at admin@richlyblessedtoday.com.

Apr 27, 2016

2015 Income of Top PH Property Developers


The biggest real estate players in the Philippines recently released their respective income reports for the year 2015, and as expected, the overall financial trend is predominantly good for almost all real estate companies. Online real estate portal Lamudi Philippines has listed down and analyzed the performance indicator of the country’s top real estate developers for 2015.

The highest income for 2015 goes to Ayala Land Inc. (ALI) at Php17.6 billion, 19 percent higher from the real estate giant’s 2014 figure of Php14.8 billion. The jump in profit was attributed to ALI’s diverse offering of residential and commercial products, especially its master-planned estates all over the country. ALI also amplified its presence in key growth centers and introduced three new integrated mixed-use estates in 2015. These are the 11-hectare Cloverleaf project in Quezon City, the nine-hectare Capitol Central in Bacolod, and the 700-hectare Vermosa in Cavite. Also highly anticipated is its Arca South project in Taguig and Vertis North in Quezon City. Early this year, the Ayala group has gained control of land-rich Ortigas & Co., along with the Sy (of the SM group) and Ortigas families.

Also coming strong is property giant Megaworld Corp., whose net income soared 10.58 percent from 2014’s Php9.40 billion. The company breached the Php10 billion mark in net core income for 2015, at Php10.40 billion. True to its title as the builder of live-work-play developments in the Philippines, Megaworld launched five integrated townships in 2015, marking a total of 20 integrated township developments across the country. Adding to the company’s success is the exponential growth of their rental business, especially BPO offices, for the last five years. As early as now, Megaworld Chief Finance Officer Francis Canuto shares that they are confident that they will reach the Php11 billion target by end of this year.

Federal Land of the GT Capital conglomerate recorded an Php8 billion profit for 2015, a 5 percent growth versus their Php7 billion in 2014. The company says it will continue to push its presence in the property industry with strong focus on residential development. “We eye high-end and middle-income projects for Federal Land and Horizon Land, whichever is best suited for our present land bank,” Federal Land Chairman Alfred V. Ty said.

Not to be outdone, Manny Villar–led Vista Land and Lifescapes Inc. announced a 14 percent yield growth in 2015 with earnings amounting to Php7.2 billion from Php6.3 billion in 2014 as it combined the income of recently acquired Starmalls Inc. The bulk of Vista Land’s 2015 profit, though, was earned by the Vista Land real estate group. Alone, it secured a 10 percent profit growth from their Php6.3 billion earnings for 2015. The company said that its Communities Philippines brand contributed almost half or 44 percent of the said revenues, followed by the Camella brand (12 percent), Vista Residences (12 percent), Starmalls (10 percent), Crown Asia (5 percent), and Brittany (4 percent).

The resilient performance of Filinvest Land Inc. of listed conglomerate Filinvest Development Corp. resulted to an 11 percent rise in consolidated net income. One of the country’s largest residential developers and BPO office providers recorded a Php5.10 billion profit for the full year 2015, from Php4.61 billion in 2014. Revenues from rental assets alone increased to Php2.95 billion in 2015, 12 percent higher than the Php2.63 billion reported a year earlier. Filinvest operates 14 buildings in Northgate Cyberzone in Alabang and one building along EDSA in Mandaluyong, which according to Filinvest, all of which are fully occupied.

Also at Php5.1 billion, SM Development Corporation, the residential division of SM Prime, clinched an 8 percent growth from their Php4.7 billion reported in 2014 despite flat revenues. However, this real estate sales figure is just 31 percent of the consolidated revenue of SM Prime, which recorded a 54 percent year-on-year uptick to Php28.3 billion for 2015. The profit was buoyed by a Php7.4 billion one-time trading gain on marketable securities booked in the first quarter of 2015. Without the nonrecurring item, the net income of the integrated property firm climbed 14 percent year-on-year to Php20.9 billion last year, a tad faster than the 13 percent jump to Php18.39 billion year-on-year to 2014.

Robinsons Land Corp. disclosed an unaudited consolidated net income of Php5.70 billion, 20 percent up year-on-year from Php4.73 billion. Sales went up 16 percent to Php19.73 billion, mostly driven by the double-digit growth of all its business segments led by Gokongwei-led company’s office buildings.

Unfortunately, not all property developers are lucky to experience the upsurge of profit for 2015. Shang Properties and Rockwell Land reported flat performances. Shang grew from Php2.7 billion to Php2.8 billion, primarily due to higher condominium sales and rental revenue, while Rockwell Land maintained their Php1.6 billion 2014 profit. This is the slowest annual performance for the company since 2011.

Century Properties, on the other hand, revealed that its net income dropped to Php1.519 billion in 2015, down 29.6 percent from Php2.158 billion in 2014. The upscale property developer noted a substantial decrease in sales because of projects that were turned over in 2015 and prior years. There were also fewer project launches in 2015 and the company focused on turning over, completion, and collection, shared Teresita Fucanan Yu, Century Properties’ vice-president for corporate communications.

Contributor:
Lamudi is a global property portal focusing exclusively on emerging markets. The fast-growing platform is currently available in 28 countries in Asia, the Middle East, Africa and Latin America, with more than 600,000 real estate listings across its global network. The leading real estate marketplace offers sellers, buyers, landlords and renters a secure and easy-to-use platform to find or list properties online. For more information, please visit http://www.lamudi.com.ph

Apr 19, 2016

7 Principles to manages your Income


There are many ways how to spend your salary and pamper yourself.
You can order  a barbecue chicken at Mang Inasal worth 300 to 500 hundred pesos. If you prefer eating in a fast food you might try to order Bucket Treats A at Jollibee for 200 to 400 pesos. With this you can have six  pieces of chicken joy, rice, mango pie, soda, and spaghetti.
Pwede ka ring manood ng sine sa SM cinema sa halagang 200-500 pesos. I think your preference to watch in a big screen would certainly give you a priceless entertainment compared with a small screen TV. What do you think?
Pwede ka ring magpa-rebond ng buhok for 800-1,500 pesos while waiting for your friend. O kaya naman ay bumili ng lotto ticket  baka sakaling tatama ka ng one milyon!
In other words you can spend your money in many ways. At ang good news pa, madali lang i-spend ang pera, di ba? Walang kahirap hirap.  I think in less than an hour eh parang bulang naglaho! Ang bilis di ba?! Lalo pa ngayon ang mahal-mahal ng bilihin eh sa’n pa kaya makakarating ang 5,000 pesos mo. Inflation rate in the Philippines is about 4 percent every year.
Let’s be clear. I am not saying you don’t have to spend money. My point is, sa bilis gastusin ng pera you have to be very careful how you spend our hard-earned money.
Let me share with you the 7 principles to handle your finances:
1. Live with your income
If your husband from Singapore is sending you 30,000 pesos every month and your monthly expenses is 45,000 pesos, eh talagang babaon ka sa utang, di ba? (eh di wow!).  Last week lang nakakita ka ng sales ng Gucci bag sa Robinson tapos binili mo kahit sangkaterbang shoulder bag na ang nasa locker mo.
Moreover, you decided to upgrade your mobile phone from iphone 5 to iphone 6 plus. Practically speaking, if you have problem with managing your finances, chances are marital problems are inevitable, right? Para lang si Popoy and Basha na laging nag-aaway sa pera, di ba? But when you live with your income you will  avoid unnecessary expenses or debts in the future.
2. Create a budget plan
Have you heard this statement: “San na nga ba napunta ang sweldo ko?” or  “Akinse pa lang pero bakit ang bilis naubos ng sweldo ko!”  I think one of the main reasons why you spend more than your income is that you don’t have a concrete budgeting plan. When you write down your monthly expenses in a budget plan like rentals and utilities, you will be able to manage your money wisely.
How do you create a budget plan? Make an excel file of your monthly expenses and track where your money goes. Some mobile phone has application about budgeting. If you’re using Samsung mobile you can download apps  like My Budget Plan, Spending Tracker, and Daily Expenses or other related application. When you create a budget plan you will avoid buying unnecessary stuffs, thus helping you to manage your finances efficiently.

3. Set money for emergency fund
Emergency fund is important. Even tiny insects like ants remind us how to save for rainy seasons (Proverbs 6.6). Pano kung nagkasakit ka o nawalan ka ng work unexpectedly? Ang hirap mangutang at manghagilap ng pera kung wala kang naitatabi, di ba?
How much money you should set aside for the emergency fund? Good question. Financial advisor usually suggests that emergency fund must be about three to six  months of your monthly expenses which is readily available in case you need them. You can keep them in the bank. Kung 10,000 pesos ang monthly expenses mo, that means 30-60,000 pesos dapat ang emergency fund mo. Siguro naman in three months time or at least before 6 months eh nakahanap ka na uli ng work o kaya magaling ka na sa sakit mo.
4. Get life or health insurance
Hold on. Is getting an insurance means you don’t trust the providence of God? Of course not. I know that as long as your relationship with God is growing, you are insured in heaven. But that is beside the point. Insurance will not just protect yourself but also your family.
I was in Grade 5 when my father died. My mother is receiving monthly pension aside from a lump sum  few months after my father died. I couldn’t imagine a breadwinner of the family passes away and leaving his children and wife penniless! With life insurance, your family will be protected.
There are four general types of insurance:

Insurance that offers a combination of protection and investment or we call it variable unit-link (VUL) is a good choice.  Ngayon kung wala namang masamang nangyari sa ‘yo and you live a little longer,  you can withdraw your funds. The good thing about insurance is that it is non-taxable. That means the government will not get portion of your investment.
5. Set long-term goals
Why long term? Kasi may mga bagay na with your limited fund eh takes time talaga bago mo mabili. Like buying a house and lot which usually amounting to more than 1 million pesos. Better to invest early. Educational fund is also an important thing you have to consider. Habang nasa grade 2 pa lang anak mo, better to sets an investment early like in mutual funds, stocks, bonds, and other investment instrument depending on your risk appetite.
Remember, your greatest asset in investing is not your neighbor who gives you “pautang” but TIME. So, invest early.
6. Plan for your retirement
Ang retirement fund ay perang itinatabi natin every month para sa ating pag reretiro. Why? Gusto mo bang mamasada pa ng jeep kahit sisenta ka na?  O kaya magtrabaho sa Saudi o Dubai kahit singkwenta anyos ka na? Syempre hindi di ba? You will not be working for the rest of your life! Find an investment vehicle which gives you investment opportunities for retirement. Some of these are investing in mutual funds, cooperatives, stock markets, insurance, and others.
You’re thinking of retiring at age 55 or 60 and enjoying time with your family and grandchildren. Perhaps traveling with your husband in Maldives and doing noble endeavors  charity work.

7. Find ways how to use your God-given talent or skills
Remember the story about multiplying our talents (Matthew 25:14-30)? The  Master said I will give you talents (or money) to manage and I will be back after 5 years. Interestingly, iba iba ang amount or value ng talent: yung isa 5 talent, yung isa 2, then another one is just 1 talent. The implication is that  God gave us different talent according to our ability.
Pwedeng teacher ka sa Thailand, o kaya engineer sa Dubai, or caregiver sa Canada. Iba-iba ang skills at ability natin. Yung dalawang  servants tumubo ang pera nila kasi ginamit nila ang talent nila wisely. But the other one  buried his talent kasi natakot sya baka malugi.
The point is with God-given talent you can used them to earn more or multiply your cash flow and be effective in your ministry. Your full potential in teaching, writing, drawing, dancing, web designing, and computer programming will be a source of income if you used them wisely. With your money I’m sure your thinking of not just about eating at Mang Inasal but how to grow your money. And oh! By the way, remember to return your tithes and offering.
Again, saan naman kaya pupunta ang sunod na sweldo mo?
Contributor:
Jun Amparo started blogging since 2015. He loves to write short stories, reflections, and articles about personal finance and investment. He is a financial advocate and also a member of the Truly Rich Club. You can reach him at admin@richlyblessedtoday.com.

Apr 13, 2016

Pinoy Investor: How can we help in your stock investing?


Do you know that everything you need to succeed in the stock market you can find in Pinoy Investor?

1. If you want quick short-term gains, you may rely on our Technicals Talk to give you trading recommendations. These reports come with Resistance and Support price guides to make it easier for you to trade stocks.

2. If you have a longer-term view and would want to find undervalued stocks, check out our Stocks in Focus reports. These reports give you fundamental analysis and specific Target Prices of each stock so you'll know how much your potential profit will be.

3. Want a summarized table showing the number of Buy, Hold, or Sell recommendations per stock? Our Stock Rankings is what you need.

4. Looking for exclusive analyses of market trends, upcoming IPOs, or just about anything that affects the stock market? You can bank on our Special Reports to give you information which you cannot find in any other resource.  

5. Or if you simply need guidance or have a question about stock market investing, we're here to help! Just send us a note via the Member's Helpdesk and we'll reach out to you!

Indeed, everything you need to succeed in the stock market is in PinoyInvestor.

Get FREE stock analysis, special reports and brokers' recommendations! 


Happy smart investing!

Apr 12, 2016

5 Reasons Why We Need To Save

I have to admit when I first started saving, it was difficult and felt like I was depriving myself of the good things in life because I was a big spender. Now, I realize that saving was one of the best things that I did. It has helped me in working out my life goals especially in the financial aspect.  Mahirap magtipid ng pera, pero mas mahirap kung wala kang dudukutin sa panahon na kailangan mo ito. Here are some reasons why we need to save money.

1. For Emergencies.
Sometimes major events happen along the way. Like unexpected hospitalizations and  devastating calamities. Sa mga ganitong bagay, nakapaghanda kaba? Paano kung si bunso or ang nanay mo na ospital bigla, at wala kang naitabi. Isa itong malaking dagok sa finances mo dahil malamang para maipagamot ang mahal mo sa buhay, you might have to take out a loan or sell something very  valuable that you own to get that instant cash. That is why it is always a good idea to have money set aside, so that in case something happens, meron kang dudukutin.

2. For Unforeseen Expenses.
What are these unforeseen expenses? Roof leaking, broken water pipes, car breaking down at kung ano pa. Kung wala kang perang naitabi, malamang mangungutang ka na naman. Sasakit na naman ang ulo mo because the sudden expense was not included in your monthly budget.

3. To Buy Something We Like.
If you want to buy a big ticket item like the latest Iphone (let’s say you want to buy it to reward yourself,) then you have to save for it. Ang iba nangungutang nalang talaga kasi sabik na sabik bilhin ang isang bagay, It is foolish to take out a loan just to pay for it. You get your gratification satisfied in a moment, but you will be paying for it for a long time. It is not worth it in my opinion.


4. To Enjoy a Comfortable Retirement.
All of us will eventually retire from our jobs, but here is the thing, we only retire from our job, we don’t retire from life. The income that we are so comfortably receiving will stop coming in when we get to that point in life, but the expenses will continue. Saan mo kukunin ang pang araw araw mo once na ubos ang retirement pay mo? Actually pwede ka namang umasa sa mga anak mo and I am sure they won’t mind also. However, if they have their own family, their priorities will change. Hindi na ikaw ang una sa listahan. The in-laws will come into the picture also, which can cause disruption in the peace and harmony you have between you and your child. Would you be willing to compromise on that kind of set-up? I don’t think so, kasi chances are, di ka talaga magiging priority and you might end up disappointed… and heartbroken.


5. And Finally, To Have Some Money To Invest.
Saving is good, but saving alone is not enough. You should find means to grow your money. Kasi kung mag iipon ka lang ng pera at itatabi mo, di yan magiging sapat sa mga darating na panahon lalo na kung nagtatabi ka para sa  pag-reretiro mo. 

Bakit?  

Kasi habang tumatagal, lumiliit ang halaga ng salaping tinatabi mo dahil sa INFLATION.  Ano ba ang inflation? Inflation is the increase of the price of the goods and services over a period time. In short, nagmamahal lahat, in short, lumiliit ang halaga ng pera na itinabi mo.  And the only way to fight inflation is to invest your money. But don’t be hasty in dipping your toes in investing yet, as the lack of education on the subject can be fatal to your financial health, study first, read financial books and check out articles online.

Your ability to save will determine your financial success in the future, It will be difficult in the beginning because of the lifestyle adjustments you need to endure. Pero minsan kailangan din ng konting sakripisyo kung may mga pangarap tayo na gustong matupad. In the beginning, try setting aside 10% of your income, hindi kaya? Make it 1%, then slowly work your way up month after month after month, before you know it, you could probably be saving 20% of your payslip without you even realizing it.

So develop that habit of saving, set aside a small amount of your income every month, until you are comfortable and then take it to another level. Trust me, your future self will thank you for it.

Contributor:

Heston G. Chu, Registered Nurse in Abu Dhabi for 4 years. He is also an Associate Financial Planner licensed here in UAE. His goal is to help other OFWs manage their finances and assist them in securing their future by achieving financial freedom.

Apr 11, 2016

Stock Pick REVEALED: Possible gain of 18.91% for you

Stock Picks, Target Prices and Buy/Hold/Sell Recommendations! (size 728x90)

Did you know that our "7 Stock Picks" published in an exclusive Special Report last February 2016 have already gained by 9.72%?

That means if you invested a total of P50,000 in those 7 stocks, that money is now worth P54,860! That's a lot higher than the actual gain you've made if you merely invested in the Philippine Stock Exchange index (PSEi), which only grew by 7.28% during the same period.

As a valued PinoyInvestor member, we'll show you right now one of these stock picks. 

Click the image below to see which stock could have given you almost 20% profit in the past month! Get a SNEAK PEEK of the stock picks here: Stock Picks Performance Recap (April 2016)

This is how we make PinoyInvestor members like you happy and profitable investors -- by giving you exclusive access to smart and useful stock reports. 

Again, for a SNEAK PEEK of the stock picks, click here --> Stock Picks Performance Recap (April 2016)


Happy smart investing!


PinoyInvestor is the ultimate resource for making smart stock investment decisions in the Philippines! Why? Because it is the country’s most extensive source of stock market research, analyses, and reports – prepared by the Philippines’ top brokerage firms!
With PinoyInvestor, you get exclusive access to an extensive amount of information for over 80++ stocks and the latest research reports every day. These are prepared by brokerage firms who have been in the stock market industry for a combined 100++ years!
PinoyInvestor consolidates and synthesizes all these information and presents them to members in a concise, easy-to-understand way. The result?
A stock market information portal unmatched by any other resource targeted to retail Filipino investors, which shows:

Mar 20, 2016

Pilipinas Debate 2016 Livestream

PiliPinas Debates 2016 (Round 3)



The Vice Presidential Debate Replay


REPLAY: PiliPinas Debates 2016 (Round 2)
REPLAY: PiliPinas Debates 2016 (Round 1)

Mar 2, 2016

Your car and new ways to pay in the future



DENVER -- Your money in the future includes preparing for life after credit cards.
Companies like Visa are coming up with new, more secure ways to pay that are intended to keep your identity secure.
FOX31 Denver's Mike Barz had the opportunity to travel to San Francisco to see Visa's newest idea, and how it could be coming to a car near you.
credits: FOX31

Dec 7, 2015

25 Things we have Learned from Philippine Real Estate in 2015



It goes without saying that 2015 is looking to be quite a good year for Philippine real estate. Although condo sales were not on par with what was recorded in 2012 (considered a banner year for Metro Manila’s condo market), other segments of the industry are posting stellar growth, particularly houses and office real estate. Lamudi Philippines (www.lamudi.com.ph) looked into its 2015 data and compiled a list of key observations that, hopefully, will guide the industry through years to come.

1. If you want a cheap condo, look at Las Piñas
At a Php 49,849 per square meter, buying a condo in Las Piñas is likely to be cheaper than anywhere else in the metro. At the opposite end of the scale, Makati is the most expensive, with condos in the area costing an average of Php139,012 per sqm. This means that a 60-sqm condo in Las Piñas will set a buyer back Php2.99 million, while the same in Makati will cost Php8.34 million.

2. 59% of houses for sale in Makati are worth more than Php100 million
It goes without saying that Makati is the Philippines’ priciest city to buy any type of real estate. In fact, Lamudi data shows that 59 percent of all listed properties in the city in the first quarter of 2015—most of them in swanky neighborhoods and exclusive communities—have asking prices of more than Php100 million.

3. Outside Metro Manila, Cebu City tops the pricy list
In the Queen City of the South, half of all listed houses for sale are priced Php8.5 million and up, making is the most expensive housing market outside Metro Manila. In fact, some homes here are fetching as high as Php150 million, rivaling opulent houses in Ayala Alabang and San Juan’s Greenhills Village.

4. How much salary do you need to afford a condo?
To afford a 60-sqm condo in Metro Manila, a buyer needs a monthly salary of Php128,323, according to Lamudi’s calculation. This assumes that the buyer spends not more than 30 percent of his monthly income on mortgage repayments (including principal and interest) and makes a 20 percent down payment on the property, following most banks’ 80/20 loan-to-value ratio. The average price of condos in Metro Manila is Php90,633 per sqm.

5. Houses rule!
House-hunters by a huge margin are still researching about houses or landed properties online. About a quarter of all searches for for-sale properties conducted in Lamudi from January to June of 2015 involved houses, compared to just 2.28 percent for condos.

6. An average family needs 32.25 times of its annual income to afford a home in Metro Manila
Based on Metro Manila’s median house price of Php8.8 million, an average Filipino family with an annual household income of Php273,000 (according to data from the 2012 Family Income and Expenditure Survey) will need 32.25 times of their annual income in order to afford a home in Metro Manila. City-wise, Caloocan offers the most affordable homes: median home price here (Php787,750) is 2.88 times of the annual household income.

7. Quezon City most popular among online property-hunters
Quezon City—Metro Manila’s largest city—had the greatest volume of online search traffic, according to Lamudi’s onsite data for January to June 2015. Search volume for the city grew, on average, 22 percent per month during the same period.

8. Metro Manila condos getting smaller
Looking at its listings data, Lamudi found that 42 and 41 percent of Metro Manila’s for-sale and for-rent condo inventories have floor sizes measuring 50 sqm or smaller—an apartment size many would consider as “shoebox.” This finding has been corroborated by a research conducted by Colliers International. According to its 2014 fourth quarter report, of the more than 30,000 preselling condo units expected to be delivered in the Makati CBD, Fort Bonifacio, Rockwell Center, Ortigas Center, and Eastwood City from 2015 to 2018, 75 percent are studio and one-bedroom units, ranging in size from 18 to 90 sqm.

9. Cities outside Metro Manila have highest surge in search traffic
Bacolod tops the list of Philippine cities that experienced a spike in search traffic in the first quarter of 2015, increasing 279 percent from the fourth quarter of 2014 (October–December) to the first quarter of 2015 (January–March). Bacolod is followed by Antipolo, Tagaytay, Baguio, Davao, and Bacoor, whose search traffic surged 118, 105, 95, 88, and 80 percent, respectively.

10. Quezon City has the most affordable office spaces for rent
Companies looking for an affordable office space to rent should head to Quezon City to find cheap commercial properties. Lamudi data show that office rents in Metro Manila’s largest city average Php503.79 per sqm per month.

11. And Taguig and Makati have the most expensive
Taguig and Makati offer the most expensive office rents anywhere in Metro Manila. According to Lamudi, office rents in these two cities average Php763 and Php635 per sqm per month, respectively. Makati’s priciest office spaces command monthly rents as high as Php1,400 per sqm, while Taguig’s go as high as Php1,000 per sqm per month.

12. Women drive house-hunting
In the Philippines, women are the primary users of real estate websites. According to Lamudi, 64 percent of online property seekers in the Philippines are women. This finding is consistent with research conducted in the West, which has shown that women are the primary users of online property portals. This makes the Philippines one of few Asian countries where women are on equal footing with men in terms of educational, economic, and political opportunities—and in making homebuying decisions.

13. Size matters in investment condos
If you buy and hold, go for bigger condos, those with three bedrooms or at least 150 sqm. Although these condos are definitely more expensive than smaller ones, they offer good returns in terms of capital appreciation. According Colliers International Philippines, luxury three-bedroom condos in the three markets it monitors (Makati CBD, Bonifacio Global City, and Rockwell Center) are expected to appreciate in value by between 5.1 and 6.3 percent by the end of 2015.

14. Forbes Park is the most expensive subdivision in the Philippines
Average monthly rents in the very exclusive Forbes Park—home to business tycoons, foreign dignitaries, and boxing icons—stand at Php402,459, making the enclave the most expensive area to rent a house anywhere in the Philippines.

15. Filipino-Americans prefer houses
Despite the condo boom happening in Metro Manila and other major cities across the Philippines, it seems that many Filipinos based in the United States still prefer to purchase houses, at least according to January–June 2015 search data from Lamudi. More than half (57.83 percent) of all searches in the Lamudi website were for houses, followed by condos (16.58 percent). The most searched cities? Quezon City, Makati, Manila, Tagaytay, and Baguio, in this particular order.

16. Cities affordable for first-time homebuyers
There are cities surrounding Metro Manila abound with affordable options for first-time homebuyers. These cities include San Jose Del Monte, Bulacan, where average home price stands at Php495,999; and followed by San Mateo, Rizal (Php549,259); Dasmariñas, Cavite (Php1.189 million); Imus, Cavite (Php1.858 million); Bacoor, Cavite (Php2.777 million); Antipolo, Rizal (Php3.668 million); Santa Rosa, Laguna (Php4.16 million).

17. Condos close to train stations are more expensive
An average condo located within 100 meters of an MRT station is at least Php16,645 more expensive per square meter than a similar, newly built condo situated more than 500 meters away, according to listings data from Lamudi.

18. Ayala Center, Century City, and Rockwell Center lead most expensive list
Ayala Center—the commercial core of the Makati CBD—commands the most expensive condo rent per sqm than any area Metro Manila. Living in the area, which is within striking distance of Greenbelt, Glorietta, and most of Makati’s luxury hotels, can set a renter back Php1,144 per sqm per month, meaning a 100-sqm condo here can command monthly rent of more than Php110,000. Following Ayala Center are Century City and Rockwell Center in Makati’s Poblacion area, where condos command monthly rents of Php986 and Php973 per sqm, respectively.

19. Pricier condos are not necessarily bigger
On a per-square-meter basis, more expensive condos do not necessarily mean bigger space. Areas where condos are on average bigger are actually cheaper on a per-sqm basis. These areas include Ayala Triangle/Apartment Ridge, where condos average 275 sqm and where monthly rents average Php568 per sqm. This area is followed by Salcedo Village, where the average size of condos is 126 sqm and average monthly rent stands at Php652 per sqm. In contrast, in the Mall of Asia Complex and Newport City, the average sizes of condos are 34 and 50 sqm, but monthly rents average Php850 and Php785 per sqm, respectively.

20. Caloocan will be the second most populous city by 2020
The City of Manila will be overtaken by nearby Caloocan as the Philippines’ second most populous city by 2020. This is according to an analysis by Lamudi using the annual average population growth rate issued by the Philippine Statistics Authority in 2010. Caloocan’s projected 2020 population will be 1.88 million, compared to Manila’s 1.72 million.

21. Eleven PH cities will have populations of more than 1 million by 2025
Using the annual population growth rates recorded in 2010, 11 cities in the Philippines are projected to have populations of more than 1 million. These are Quezon City (3.95 million), Caloocan (2.115 million), Davao City (2.056 million), Manila (1.76 million), Dasmariñas (1.27 million), Antipolo (1.25 million), Zamboanga City (1.25 million), Cebu City (1.14 million), Taguig (1.12 million), Bacoor (1.11 million), and Pasig (1.022 million).

22. Can BPO workers afford condos?
With an average monthly salary of Php22,500, entry-level customer care representatives cannot afford to rent a condo in either of these “affordable” areas: Eastwood City, Pioneer-EDSA, Poblacion (Makati), and San Antonio (Makati), where average rents range from Php19,838 to Php22,563 per month. Using the 30 percent rule (spending not more than 30 percent of one’s monthly income on housing), only those working as managers, with an average compensation of Php75,000 per month, may only afford to rent a condo in these select areas.

23. How long Filipinos should work to buy a home
A salaried Filipino with more than 20 years of work experience and earning Php1.43 million per year may need 128 years’ worth of his salary in order to afford a house in Makati where average home price stands at Php184 million. In contrast, this same person needs 4.16 months’ worth of his annual salary in order to afford a home in San Jose Del Monte, Bulacan, where the average home price is Php495,999.

24. Are Filipinos buying or renting?
Based on its third quarter 2015 search data, Lamudi found that there is an almost equal proportion of renters and buyers among 18- to 24-year-old online property-hunters (50.2 percent for rent versus 49.8 percent for sale). Quite interestingly, there is a tendency for property-hunters to check out for-sale properties online as they get older. Among 25- to 34-year-old users, 57.3 percent are checking out for-sale properties. In the 35–44, 45–54, and 55–64 age groups, it is even higher; 70.8, 72.6, and 71.1 percent of the website’s users, respectively, are checking out for-sale properties.

25. Most sought-after locations for land
Quezon City, Tagaytay, and Baguio are the top three most popular locations among property-hunters looking for land online. These cities are followed by Davao and Antipolo. “Clearly there are cities preferred by people researching about land for sale online, and we hope these findings will give real estate developers insight into how to properly plan their next projects,” said Lamudi. In addition, the fact that only five Metro Manila cities were in the top 10 indicate that Filipinos are not too keen into buying residential land within the National Capital Region, either due to lack of supply, unaffordability, or both.

ABOUT LAMUDI
Launched in 2013, Lamudi is a global property portal focusing exclusively on emerging markets. The fast-growing platform is currently available in 28 countries in Asia, the Middle East, Africa and Latin America, with more than 600,000 real estate listings across its global network. The leading real estate marketplace offers sellers, buyers, landlords and renters a secure and easy-to-use platform to find or list properties online. For more information, please visit http://www.lamudi.com.ph

Join the Truly Rich Club Today!

Great Investment For You!

Great Investment For You!
High Park at Vertis North

Ads

Subscribe Now!

See all awesome STOCK REPORTS in PinoyInvestor! (size 280x280)

Like Us on Facebook

Follow Us by Email

Mostly Read Today

Popular Posts

© 2012. Powered by Blogger.