26/12/2025
Ito yung 3 pagkakamali ng mga first time property buyers
Most of the time…
first time buyers don’t lose money because they’re careless.
They lose money because they follow advice that sounds right
but doesn’t protect them long-term.
Ito yung ibig kong sabihin…
Maraming first time buyers ang excited.
First property.
First big milestone.
First “adult” decision.
Pero excitement is exactly why mistakes happen.
Here are 3 common mistakes...
1. “Monthly payments” lang sila nakatingin hindi sa buong picture
“Okay lang yan, kaya mo naman ang monthly.”
But affordability is not the same as sustainability.
Hindi nila tinitingnan ang total cost.
Hindi nila iniintindi ang long-term effect sa cash flow.
At kadalasan…
wala ring buffer.
If monthly lang ang kaya mo,
you’re not choosing a property yet.
You’re choosing what feels light today
and heavy later.
2. Bumibili sila para "image", hindi dahil ready na sila
May bumili na kaibigan, kamag-anak or kakilala.
May nag-post sa social media ng "new property unlocked."
So they buy as well.
Not because the timing is right…
but because ayaw nilang mapag-iwanan.
You don’t build wealth by copying other people’s timing.
First time buyers forget this…
What worked for someone else might break
your finances kapag di pinag-isipan ng mabuti.
3. Hindi nila tinatanong kung paano talaga ito makakatulong sa buhay nila
Maganda ang unit.
Okay ang location.
Mukhang magandang investment.
But when you ask…
“How does this actually improve your life in the next 5 to 10 years?”
Walang sagot.
No clear plan.
No clear direction.
Akala nila basta property
"good investment" na.
Pero ito yung totoo...
Not every property moves you forward.
Some just lock you into years of responsibility.
You don’t fail as a first time buyer
because you bought your first property.
You fail because you didn’t
understand WHY you were buying it.
Your first property won’t ruin you.
Your first uneducated decision will.
CTTO
