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Bagong homeowners sa Canada, may iba't ibang diskarte para makabili ng bahay | OMNI News Filipino
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- čas přidán 20. 03. 2024
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That's a big No No. Mag co sign nga lang sa kotse hindi dapat ginawa unless magasawa kayo, lalong lalo na mortgage. This is a disaster waiting to happen.
tama ka diyan. may kilala ako nagsabi na maski kamaganak nila pinagbayad sila sa gitna ng mortgage. nagkademandahan pa sila.
Kapag di kaya, huwag pilitin. Co-signing a mortgage is a BIG PROBLEM even sa mag-asawa, sa friends pa kaya? 😢
She committed the cardinal sin of buying when prices are way too high. When real estate prices go back down, condominiums will be the first ones to be hit hard. She'll be upside down on her mortgage and her co-signer will be her former friend.
wag basta basta mag co-sign. Utang nya, utang mo din. So kung dumating yung panahon na yung ikaw naman ang bibili, hindi ka magqualify kasi may "mortgage" ka pa via dun sa kaibigan mo na nag co-sign ka. Kung wala ka naman balak bumili ng bahay ever, may risk pa din dahil kung hindi makabayad yung kaibigan mo, ikaw naman ang sisingilin. Madami mga anak na nagco-sign para sa magulang, pag dating ng panahon yung mga anak hindi makabili ng sarili bahay dahil nakatali sila sa bahay ng magulang nila.
Very trueeeeee
So true ❤😂
Just dont brake the Trust/Friendship. Marami na nangyari sa mga ganyan. Remember may trademark ang mga pinoy sa mga ganyan co sign😅🤞. Pero wag nman sana. God bless kabayan and congrats sa bagong bahay.
Mahirap yan basta pera, hoping wala naman problema pag sale again in the future.
She will lose big chunk of her money sooner. Buying a home or apartment is at least 25 to 30 years commitment. If your income is not really at par with the monthly mortgage, that’s where you lose a lot of your hard earned money.
Madami na nagkasira sa cosigning. Di dapat ipilit kung di pasok sa budget
Honestly, life is very simple in Canada. Work 2 to 3 jobs for 30 years to pay off your million dollar house then retire in your 60s then end up in nursing home in your 70s or 80s then you die. The end.
real talk
Hahaaaay. .
Yah. . .its true...
Instead of working so hard on doing minimum wage jobs, why don't Filipinos just put that hard work in school or in their own business for a better life in the future ?
@@rafael7385
a lot of filipinos are holders of bachelors degree. . .some are 2 degree holders, others are doctors, PhD, with masters. . .
They want some green green grass so they opted to go to countries such as Canada even if they'll quit their stable homeland jobs and study again and most landed into blue collar jobs. . .maybe in the past yes, canada is greener. . but time passed and it is very different nowadays...some who migrated to canada are going back home and starting their business...some opted to stay because they sold everything home...lots of reason...
@@rafael7385well pinoys dont want to study its always work work work 3x a day
I would never or recommend anybody of doing such a thing. Co-signing a mortgage involves a third party agreeing to make mortgage payments if the buyer cannot pay. I don't think the person involved here as co-singer knew the consequences.
Basta kanta lang
Bitag yan bilang co-borrower, sa haba ng panahon sa pagbabayad ng bahay sa Canada di maiiwasan na di magkaroon ng kanya-kanyang problema sa trabaho, pera at kalusugan. Damay2x na yan kapag sumablay ang principal...
Yung agent akala mo gusto talaga tumulong, ginawa lang talaga lahat ng paraan para mkcommission sa sales. Tapos yang friendship friendship na yan pag hinabol na ng bank sa payment
Back in 2003/2004, one can still buy a small condo or townhome in Toronto GTA for $120-180k. Grabe ang pagtaas talaga! Were so lucky we came here when things were still somewhat affordable or di kakayanin at today’s prices
Sorry, but most of the comments here are true. This is a disaster to happen. Owning a house is not only paying the mortgage. There is insurance, strata fee and many more. Think 100x before buying. God bless sa atin.
Hanngat hindi pa fully paid ang mortgage mo hindi mo masasabi na sayo ang bahay dahil hindii ikaw ang may hawak sa title kundi ang banko
Delikadong deal yan. Pero congrats kabayan.
May isang case dto na kahit anak ayaw mag co sign sa bahay na bibilhin ng magulang. Mali man yun pero pag nabasa mo kontrata sa mga loans eh talagang aayaw ka sa pag cosignee.
Basta masaya ka kabayan. Enjoy your house. At sa lahat naman ng negative jan. Isipin ninyo after 120 years asan na kaya mga bahay ninyo? 😅😅😅
Low risk yan sa co-borrower kasi co-owner din sya. Laging match ang bank docs sa purchase doc. Sinisiguro yan ng lawyer. In Canada, house is good as cash (ang daling ibenta kung naisin ibenta). Lahat ng co-borrowers/owners ay pipirma sa lahat ng documento when thry buy and sell. Kaya ok lang yan.
Mahirap yan pag nag ka problema dilikado
ako hindi nako maghahangad ng sariling bahay hindi ko nman madadala yan sa kabilang buhay ang hinahangad ko kahit walang sariling bahay basta magkaroon ng mabuting ugali at makaiwas sa mga taong aakitin ka para maging masamang tao gudlak sa mga naghahangad ng yaman dito sa lupa ❤
eh di pakamatay ka ng maaga, ayaw mo na sa lupa eh
Mahirap ang hinog sa pilit !
Kung Hindi mo Kaya bayaran magisa ang mortgage mo , don’t get a house,
Mahirap making House rich, money poor!
Wow! Thats a big NO for me doesn’t matter family or friends.
She just set herself up to be house poor…hope it works out for her. You can never trust anyone when it comes to money.
Congratulations ate Rose. I am so proud of you.🎉
co-signing is not recommended.
1 sa magandang side ng mga pinoy ang pagiging true friend pero may downside ito na ikasisira ng friendship or future lalung lalo na ng mga co signer or guarantors di natin alam ang future.
Msy friend ako na tinulungan ang friend d2 sa abroad nagprenda ng gold necklace para may maipadala sa pinas ang friend na may financial problems ang fmily sa pinas. Sandly naimbargo kase di siya tinulungan ng kanyang friend na mabayaran at iyon ay mana niya sa kanyang lolang matagal ng namayapa 😢😢.
Anyway, congratulations kabayan sa bago mong place. I wish you goodhealth and prosperity 🙏.
co-sign and what if…. ayayay
Co sign??? Shocks!!!!!!! That's so scary! Kaya pala ganda ng ngiti ni ate e😅 God bless sayo teh and sa nag co sign kasi kawawa naman sya kundi mo babayaran😅 Gold na yan kaibigan mo ate. Wag mo na papakawalan😅
This is very concerning. Never cosign very difficult situation to be involve with especially a mortgage.
Debt is debt 💥
Nakakagulat po. May nag co sign sa mortgage. Dala ni co-signer ang ganun kalaking debt load 😮
Living beyond her means...
Hala paano pag di mo na kayang barayan?
Umiiyak sya ngayon sa saya, pero baka umiyak din sya sa future
malamang, after 6mos iiyak na yan kasi need na ipa assume ang bahay
I know we have ambitions but be more realistic . Ensure we have extra savings before getting into long term debt
Sa ngayon maraming ayaw sa condo dahil sa HOA walang control sa pagtaas ng bayarin
Its ang sobrang hirap
sana hindi masira ang friendship nyo, very risky ang mag co-sign sa mortgage. wishing all the best
Not the best option to have a property but All the best kabayan and enjoy your new house☺️😎. Hope and pray your friendship will be stay great forever and have each other's back in good times and bad times 🙏🏻👌🏻
I wish her well, but the odds are high that this will not end well.
You don't own the home 😅 bank owned the property lol
Ohh that's gonna be a big problem
I dont know why its a need to own a house in canada given the situation ryt now...and the way u pay it is that u have to work more than the usual, isnt it disrespect to urself? why? cuz others have? others can? well if thats the case thats not you but thats others driving your life...y not rent a cheap bedroom, work and save...
Well said. Better to save in RRSP than owning a house here in Canada. Not to mention the high cost of maintenance fee if you are owning a condo.
@@angelavillanueva3874 sometimes you have to think 1000 times before u do it..and surround urself with real people that knows the reality...moreover lots of filipinos in canada dont have a real intention to help but they only think of what they profit from u,..u cant just say I trust them or i know them but u only trust urself...co-owner?really? knowing someone doesnt guarantee ur safe...think properly and wisely...am i ryt or am i ryt?
Ang mindset kasi dito ng mga pinoy is bahay ang end all be all na sukatan ng success. Pag wala kang bahay they look down on you or you are a failure. Sa interest rates ngayon, you don't own the house, the house owns you! Marami pang ways to invest bukod sa bahay.
@@teamkaskas agree! i saw a lot of old folks working in a company, having a two jobs at age 55 to 60 for them to pay their house! is that happiness at that age? do u really enjoy a life if ur that old and tired? really? come on! its common sense...be happy while ur still young...how can u go for a travel if ur old and sleepy i mean how can you enjoy it? cuz ur body is looking for a rest i guess?...
Instead of buying house, i would recommend to buy something that will give you profit. Buy a business with an attached house. Save and sell the business later.
panu nalang dumating isang araw na di na kayo magka sundo ng kaibigan mo tapos sabihin ayaw na nya mag co-sign..
Or mawalan ng work si principal..lagot si co-owner
@@TheMaiah13 eh di remata ang bahay
Yari ka dyan
Kaboses mo si Gus Abelgas. Related kayo? Ang sarap siguro pakinggan pag nag-uusap kayo. lol
😂
Dreaming sa utang!
naku po disaster yan
Never co sign on anything
mor-guhj
OMG! I was looking for this. Thank you!
Not a good idea. Never ever co-sign for a friend, family or a spouse. It rarely ends well. The lady should have 20 percent down payment and 3-6 months emergency fund. It's good to have some buffer when shit in life hits the fan.
Are you for real not to cosign a spouse on buying a house?the bank will ask you if you are married and if you say yes and doesnt want to include you spouse they will disregard your application
DOUBLE JOB ARE WHAT THEY ARE DOING TOO MUCH WORK.
Congrats madam sana makapagkwentuhan tayo