From 15 Years of Renting to Two Brand New Homes—This Millennial Believes Investing in Real Estate Makes Good Profit

18 March 2022

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Remember Ria Rose del Rosario, the millennial who bought a house after 15 years of renting? She just got another one!

In case you haven’t read our previous feature about Ria yet, she told Lumina Homes that it took so many years of renting before she and her husband could finally buy a home they can call their own. 15 years and one house and lot later, Ria invested in another property.

She shared her milestone to the popular Facebook group Home Buddies in the hopes of inspiring others to pursue their dreams and work hard for it. Her story is truly inspiring and more than 16,000 people agree to it.

When her post went viral for the second time, she felt happy and fulfilled.

“Happy kasi I was able to inspire others to achieve their dream home, and fulfilling kasi I was also able to achieve my dream home, too,” shares Ria.

Ria already has a home—so why invest in another property?

You might be wondering why she bought another one even if she already has a home. The answer is simple: real estate is a great investment.

She says, “Siguro kasi, you can never go wrong with a real estate investment. Ang property value kasi is always nag-i-increase, wala kang lugi. Then, Lumina pa ang brand. Location wise, sobrang accessible and na-try ko na mag-invest sa unang bahay namin and ‘yung experience talaga is sobrang very good. So, given the chance to more Lumina investment.”

Ria is a firm believer that putting money into real estate could do you more good than bad, as long as you know what you are getting into. Besides, every investment needs deep research.

“I must say na isa ito sa dapat i-look forward ng lahat. Kasi real estate investment is not just having a dream home. This could also be a passive income so pwede mong paupahan. ‘Yung monthly rental fee na bahay, iyon ‘yung magbabayad ng monthly amortization. Pero hindi ba, sa iyo ang bahay at the end of the day,” says Ria.

Investing in real estate is not only for the rich

Real estate is a great investment option and millionaires can attest to that. There are many good reasons why it is a great investment. But one that stands out the most that makes real estate a good long-term investment is that it can help you generate steady passive income. And oh, did we mention that real estate is not as vulnerable to short-term fluctuations as the stock market?

However, in order for you to win the real estate game, you have to plan your purchase carefully. You have to do a lot of thorough research about the market, the different developers, the payment options, and so on.

But while investing in real estate requires money, that does not mean it is only for the rich. There are so many real estate developers like Lumina Homes that offer affordable monthly amortization so that every Juan can achieve their #BahayGoals.

This is one of the reasons Ria chose to invest in Lumina Homes for the second time. “Based kasi sa una kong experience sa pagbili ko ng bahay, number one na tinitignan ko ay ‘yung nag-appreciate ‘yung value. So gaya ng bahay kong nabili [noon na] PHP 1.1 million, PHP 2 million na [‘yung value nagyon] ngayon. Saka ito, nasa PHP 899,000 kong na-avail noon, ngayon nasa PHP 1.7 million na. So, hindi ba, ang ganda talaga ng house and lot investment,” tells Ria.

That’s the best thing about investing in Lumina Homes. You don’t need to shell out a bug sum of money all at once just to get a house and lot. With Lumina Homes’ low monthly amortization options, anyone—even minimum wage earners—can invest in real estate.

“Akala ko nung una, kailangan mo ng maraming savings para makapag-avail ng house and lot. Pero nung dumating ang Lumina dito sa Cabanatuan, nag-offer sila ng pre-selling, which is yung downpayment niya ay hulugan, pasok na pasok sa budget. Magaan sa bulsa. Sobrang affordable eh," Ria adds.

She also shares that she has a lot of plans for her second bought property. But the one she looks forward to is making it a transient house so that it would be another source of income for her.

“Kapag real estate investment ang iyong ininvest, wala kang lugi dahil ito ay nag-a-appreciate ang value. Then, instead na sa iba mapunta, i-house and lot investment mo na, na pwede mong maging rental business balang araw. So dito, talagang panalong-panalo ka,” says Ria.

Investing in real estate is both risky and rewarding. But as anything in life, we have to take risks to get the best out of it.

To those who plan on investing in real estate properties, here is Ria’s advice: “Number 1 na maipapayo ko sa mga nangangarap na magkaroon ng sariling bahay, hangga’t bata sila, simulan na nila dahil hindi pa naman huli ang lahat. So, kahit tumaas na ang value ng house and lot, kung talagang kaya na nila, simulan na nila.”

Lumina Homes is absolutely perfect 10—Ria Rose del Rosario

Just like Ria, you too can get your dream house with Lumina Homes. Getting the dream home is possible for everyone as this house and lot for sale in the Philippines is available through a bank home loan. Make the dream of owning a house and lot possible and achievable with just a PHP 10,000 on the budget reservation fee, you can already get your own house and lot.

Even if Lumina Homes offers an affordable house and lot for sale, that does not mean the quality will be sacrificed. In fact, Lumina Homes let homeowners experience an exclusive subdivision lifestyle. Among the perks of living in the Lumina Home community are the 24/7 guarded entrance, roving security, and shuttle service. You can also enjoy cool amenities like a play area, gazebo, mini gardens, and more as it launched its new amenity center, eSpacio.

If you want to know the locations of the affordable house and lot for sale in Philippines by Lumina Homes, read on for more details:

Affordable house and lot near Metro Manila

You also have the option to have an affordable condominium in Cavite or an affordable house and lot in Tanza, Cavite through Lumina Tanza.

And if you are looking for the most affordable houses in the Philippines, we also have housing units in North Luzon, you may check the Lumina properties in Zambales, Lumina Subic; house and lot for sale in Tarlac, Lumina Tarlac; house and lot for sale in Nueva Ecija, Lumina San Jose, and Lumina Cabanatuan; house and lot for sale in Cagayan, Lumina Tuguegarao; house and lot for sale in La Union, Lumina San Juan; house and lot for sale in Bataan, Lumina Pilar, and The Balanga Residences.

Lumina Homes also has house and lot for sale in other parts of the Philippines available for bank home loan. See below for the list:

With Lumina, you will never run out of choices whether you want to go north or south. We have house and lot for sale in Laguna, Lumina Calauan; house and lot for sale in Batangas, Lumina Rosario, Lumina Bauan, Lumina Tanauan, and Lumina Lipa; house and lot for sale in Quezon, Lumina Sariaya , and Lumina Quezon; house and lot for sale in Legazpi, Lumina Legazpi; house and lot for sale in Sorsogon, Lumina Sorsogon; house and lot for sale in Bacolod, Lumina Bacolod East; house and lot for sale in Iloilo, Lumina Iloilo; house and lot for sale in Negros Occidental, Lumina Silay;house and lot for sale in Bukidnon, Lumina Valencia, and Lumina Malaybalay; house and lot for sale in Davao del Norte, Lumina Tagum; house and lot for sale in Agusan del Norte, Lumina Butuan; house and lot for sale in Misamis Occidental, Lumina Ozamiz; and house and lot for sale in Zamboanga del Sur, Lumina Pagadian.

Size doesn’t matter to make your home aesthetic

If you saw Ria’s post on Home Buddies, you would definitely agree that her new house is a work of art. From the living room and kitchen to the bedroom, her house looks big. But would you believe that this property is only 36 square meters?

“Ang lawak ng lot area nito is 36 square meter lang then ang kabuuan ng floor area ng bahay ay 35 square meter lang,” says Ria.

Ria believes that it’s not the size of your property but how you customize your house is the key to making it look bigger and more beautiful.

Guide to Buying a House and Lot on a Budget

With the large number of financial housing loan programs that you can consider, home buying can be easier. These loans can come from banks, in-house financing, or deferred payment for short-term and zero interest. All you have to do is take the first step of inquiring about your preferred unit and location and pay for the reservation fee.

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When we asked Ria if she’ll recommend Lumina Homes to homebuyers, she says: “Oo, lalo na sa mga hindi pa gaanong kalakihan ang budget. Kasi dito sa Lumina Cabanatuan or Lumina, installment basis siya. Budget-friendly.”