Real Estate Scams Everyone Must Know

No one relishes in being deceived by a trusted realtor or partner in growing your real estate Cebu investments. Though every scam story points to the scammer, it is also essential to note that each has participation. The scam can be a result of negligence from the buyer, seller or agent. Either way, no one looks forward to the event.

There are several factors involved in executing the crime - the property, documents, lenders, sellers, buyers, agents, and third-party entities. All of these can perform the violations or be an accomplice. Hence, it's best to be aware of the real estate scams in the Philippines. Below are the crimes rampant in the industry and how they operate.

Abrupt Change in Lender

The property owner receives an official notice regarding the transfer of load to a different lender. Besides the change in the lender, the letter will also inform you that your remaining balance will be carried over a different account name.

If you didn't request for any changes on your loan structure or anything connected to it, it's best to disregard the letter. Moreover, you must verify instructions before accepting any of the terms.

Bogus Buying

A woman under the alias Virginia "Virgie" Manalang had gone around Manila to trick real estate agents and homeowners into giving her cash. She presents herself as a potential buyer of a property. She says she can purchase the unit or house and lot as she is married to an engineer in Australia who sends his monthly pension. To prove it, she issues a check worth hundred thousand as initial payment. However, she initiates to draft the deed of sale and handle the transactions from there. Her acts are questionable as she asks the agent or seller for cash so her lawyer can write the deed of sale. She asks additional amount to cover attorney and notarial fees. She also requests for photocopies of valid IDs and signatures which she uses to target other real estate agents and realtors. Her check is also a bouncing check and the bank account used for it belongs to a different entity.

Copycat Rentals

The person would post an online listing of his or her rental that seems harmless at first. The photos look valid as there are images of the rooms of the unit and its amenities. Fake agents use this tactic to ask renters for a deposit without meeting them in person.

Double Sale

It may be a case of an initial buyer of the property may neglect the registering and transferring the title, or a seller accepting a higher price thought a potential buyer already placed payment.

Fraudulent Schemes by Agents

Agents advertise properties that aren't for sale or currently handled by a different agent. They offer the properties at a low price to bait people. Once the client sends inquiries on the property, the agent will claim it as sold or unavailable. He or she will then offer their own listing which may have a higher price than the previous property.

Some brokers and realtors may take advantage of their skills in selling and building rapport. They may misrepresent a property and neglect to disclose the most important details. Though it is the duty of the agent to be transparent on the pros and cons of choosing the land, condo unit or house and lot, they may not comply to close a sale.

On the other hand, other agents connive to raise their commission fees. One acts as the listing agent, while the other represents the buyer. Both the seller of the property and its buyer aren't aware of the setup which distorts the value of the property. The practice violates the Code of Ethics and Responsibilities for Real Estate Service Practitioners.

Predatory Lending

Loan sharks and small time, unscrupulous financial institutions lure home buyers and house hunters to unfair and abusive loan terms. They coerce their victims through deceptive or exploitative actions to acquire a loan. Most of the time, the forced borrowers don't need, want or can't afford the mortgage.

Property Title Fraud

This type of scam involves the use of old property titles and use it to generate fake titles. The scammer provides supporting documents keep buyers from doubting the deal. Another way of doing it is by presenting a fake title over an existing an existing property regardless if it has an owner or not. People who neglect due diligence are potential victims of this scam.

Sale of Foreclosed Properties

This scam is rampant and likely to happen with Overseas Filipino Workers (OFWs) wanting to invest in a home in the suburbs like Vermosa. Scammers, who act as a homeowner or realtor, offer foreclosed properties to potential buyers who cannot check and inspect the property (due diligence). They forge the documents to make the transaction as real as possible. Once they close the deal and the buyers are ready to move in, they disappear. They are out of reach while buyers deal with the bank.

Unfinished Developments

Lesser known developers or names you haven't heard in the industry must be taken with a grain of salt. Scams involving unfinished developments include asking for reservation fees or amortization on a property without the advertised amenities and facilities. These add-ons can also be pending or abandoned by the developer. These developers may refuse to return the money leaving the owners empty-handed.

Part of this scam is pre-sold properties with low rated that remain unfinished until the turnover date. The developer promises a different period. They move it several times until the buyer gives up.

“Too-good-to-be-true” Real Estate Champions

Individuals advertise themselves as experts who can provide insights on the market and valuable pieces of advice. They sell themselves by conducting seminars promising quick returns and strategies. They market immediate success which is far from reality.

There are also individuals posing as real estate agents. They set up a website full of property listings copied from legitimate realtors. They trick home buyers by presenting forged documents and contact information to pay a security deposit or initial payment.


You can avoid these schemes by raising awareness and spreading them to communities. That way, other people recognize the signs and report them to authorities and institutions immediately. Moreover, you must conduct your research when inquiring in a real estate property in Cavite or any place in the South. You'll have your notes to compare with your broker which can prove their reliability on the transaction.

Note: This article was first published on May 5, 2015, as "Top 3 Real Estate Scams You Need To Avoid." It was updated to raise awareness of potential buyers and sellers of real estate properties.

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20 Inspiring Quotes From Home Designers

For some reasons, there will always be a profound feeling whenever we decorate our home. Perhaps, it is because of the positive vibe it gives whenever we get to improve the things at home. Always keep in mind that your home is a reflection of what and who you are. That means, if you do a minimalist design in your home, then you are most probably a simple person. Whether you are living in a condo BGC or any real estate property in the Philippines, there is no reason for you not to decorate your home.

Just as much as we love decorating, there are a lot of homeowners who do know what and what not to do with their home. Perhaps, they might be confused on what kind of design should they do that suit their style or theme of their home. So, to give you an idea, we list down some inspiring quotes from the home designers itself that can help you think or create your style of home decorations.

1. "A house is much more than a mere shelter – it should lift us emotionally and spiritually." - John Saladino

2."Have nothing in your home that you don't know to be useful or believe to be beautiful." - William Morris

3. "One should never be the oldest thin in one's house." - Patsy Stone

4. "Have no fear of perfection – you'll never reach it." - Salvador Dali

5. "Make your home as comfortable and attractive as possible and then get on with living. there's more to life than decorating." - Albert Hadley

6. "All rooms ought to look as if they were lived in, and to have so to say, a friendly welcome ready for the incomer." - William Morris

7. "If you wait until you have enough money to decorate and make your home your own, it will never happen. If you wait until you can afford to buy everything new, you are missing the point. It is the old, the new, the hand-me-down, the collected, the worn but loved things in your home that make it your own." - Stacy Risenmay

8. "Decorate your home. It gives the illusion that your life is more interesting that it really is." - Charles M. Schulz

9. "Be faithful to your own taste, because nothing you really like is ever out of style." - Billy Baldwin

10." Design is coming to grips with one's real lifestyle. One's real place in the world. Rooms should not be put together for show but to nourish one's well-being." - Albert Hadley

11. "Decorating golden rule: Live with what you love." - Unknown

12. ‘Creativity is allowing yourself to make mistakes. Design is knowing which ones to keep." - Scott Adams

13. "Home is the nicest word there is." - Laura Ingalls Wider

14. "Form follows function." - Louis Sullivan

15. "When I am working on a problem, I never think about beauty. I only think about how to solve the problem. But when I have finished, if the solution isn't beautiful, I know it is wrong." - Richard Buckminster Fuller

16. "All architecture is shelter, all great architecture is the design of space that contains, cuddles, exalts, or stimulates the person in that space." - Philip Johnson

17."Simplicity is te ultimate sophistication." - Leonardo Da Vinci

18. "Recognizing the need is the primary condition for design." - Charles Eames

19. "The details are not the details. They make the design." - Charles Eames

20. "Minimalism is designing to allow the art, the books, the view, the people – whatever matters most to the inhabitant – to be the soul of the space – Deborah Berke

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5 Hacks To Brighten Up Your Space At Home

"Often what's wrong with some modernist houses – they're kept vacuum-sealed all the way through. And then people wonder why they haven't any atmosphere." – John Stefanidis

There's nothing more frustrating than having a dull and lifeless home. Agree? If you think that you are not living in a satisfying lifestyle, then you better start to brighten up your space at home. Whether you're living in a condoManilaor any properties in the Philippines, there is no reason for you not to achieve the right design for your home. And mind you, you will definitely have good vibes when you do.

However, considering the busy schedules that we have from work or school, we tend to forget how to brighten up our space. Sometimes, we even tolerate things that are cluttered in our rooms since we don't have enough time to clean up. Right? And if you are one of those people struggling on what and what not to do when it comes to decorating your space, then you might want to refer these tips below.

1. Pick up fresh flowers

Whether you realize it or not, having flowers inside your home can brighten up the mood. If you feel like you need something that is fresh, then flowers are advisable for you to have. It doesn't just add beauty to your apartment, but it also has health benefits you can get when you have fresh flowers in your apartment. Moreover, if you want it to be more stylish, then you may choose flowers that are also appealing to the eyes. Perhaps, you can have a bouquet of flowers and put them in a stylish vase.

2. Plant succulents

Aside from the flowers that you can have at home, you can also have succulents. It doesn't just look good on your apartments pace, but it is also beneficial to your health. Moreover, you definitely would want to have one in your home since it is pretty cheap, fun to put together, and it is also an adorable way to get some low-maintenance green outdoors.

3. Find local produce

If you think that the things in your apartment are the only things that need a fresher look, then you better think again. This is also the time for you to go for cleaner and healthier lifestyle by buying and eating healthy foods. You can definitely check out your local farmers market or even groceries for a great deal of lovely and fresh food. Don't compromise your health with junk foods. Remember, the healthier you are, the brighter your lifestyle will be.

4. Buy lamps or open the blinds

If you feel like your space is dark enough, then you have to purchase a lamp or open the blinds. Of course, you definitely don't want to live in a space where everything is dark, right? A good lighting is also important for you to consider to make sure that you can see clearly on the things around you. Moreover, this is also one way to protect your eyes from the dim light that you have in your apartment.

5. Rotate your apartment's colors

One thing that can add life to your space is the choice of your color. If you have a darker shade of color at home, then you will most probably have a darker themed home design. However, if you are one of those people who wanted to brighten up their space, then you also have to make sure that you choose colors that are light. Well, you can also choose pastel color to have some accent on each of the design in your room.

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Home Decorating 101: Simple Tips For Transforming a Dull Wall

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Whether you realize it or not, there will always be a beauty in a big blank and clean wall. Agree? Of course, this is the time when you can actively and creatively imagine what things to put to fill in your big empty wall. For some, this is one of the common problems they faced especially when they don't know anything about decorating at all. However, when you know what you are going to do with your wall, then a wall décor challenge is just a piece of cake.

Basically, it doesn't matter where you live. Whether you live in any of the most prestigious Nuvali homes or any other properties, decorating your wall is now within your reach. There are actually plenty of options you can do with your wall. Of course, it will always be an up to you on what décor you want to have that fits on your wall. To give you an idea, then below are some simple and doable examples you can apply.

The gallery wall

If you are a kind of person who likes to take pictures or paintings, then the gallery wall might suit your taste. You can have your wall combined with your photos and paintings with different sizes and color and/or framed or unframed artwork. You can also fill your wall with textiles and other wall decals. Of course, it is also important for you to consider mix matching your decals on the paintings of your wall. Make sure that the color and shapes, sizes can go along with your wall.

If you are not sure about the color combinations, then you can go neutral yet bold, sophisticated and creative in many ways

Statement art

Aside from the pictures and paintings, you can also have statement art on your wall.  Installing a striking piece of statement art can definitely be eye-catching to the viewers. Moreover, isn't it nice to wake up in the morning with a piece of interesting piece of art on your wall?  Well, hanging one or two statement arts on your wall would be enough.

Build a bookshelf

If you have a lot of things or books yet you don't have enough space in your home, then you might want to have a bookshelf installed on your wall. Instead of having or putting decorations, make the bookshelf as part of the decorations you have on your wall. With that, you're not just saving up more space but also, you just made an excellent and stylish way to have a bookshelf.

Installation of bookshelf may be hard on your part. Of course, you also have to make sure that the shelves are properly installed on the wall to have a safe and durable base.

Wall coverings

One of the struggles most homeowners have is that they don't have anything to decorate at all. Perhaps, they are one of those homeowners who invest in a property with no furniture to fill the empty spaces yet. Well, you can go with wall coverings or wallpapers. Fret not! Wallpapers are easy to install on your walls. You just have to make sure that there will be no lumps on the surface. There are a lot of styles when it comes to wallpapers.  And it will always be up to you on what style of wallpaper you want to use.

Well, if you are one of those people who is trying to decorate their big empty wall, it would be easier if you know what you really want to do with your wall. Just make sure that you love what you do for as not to have some regrets later on.

5 Simple Tricks For a Bedroom Makeover

"My bedroom is my sanctuary. It's like a refuge, and it's where I do a fair amount of designing – at least conceptually, if not literally." – Vera Wang

Whether you are aware of it or not, a happy and productive life starts in your bedroom? Perhaps, as a kid, you may not care about how messy your room can get. As you grow older, you'll realize that having a sleep sanctuary is essential to living a better life. After all, your bedroom is where you begin and conclude every single day. Keeping your room clean, tidy, and organized would make a sleep sanctuary. Whether you're living in a real estate Cebu, there's no reason for you not to have a charming bedroom.

So, to give you an idea, we list down some simple tricks for you on how to make your room a sleep sanctuary. Here's how:

1. Start an idea book and create a floor plan

To create a view room, you need to have an inspiration on what you want to have or do with your room. Perhaps, you can gather some inspirational images and collect the best in an idea book. By getting some inspiration from different images, you will eventually know what you want to do. And once you have the general view of your design, you can now start arranging or renovating your room. Moreover, having an inspiration will help you choose which design will suit your taste and for your bedroom.

2. Decide which furniture to keep

Bedroom makeover would also mean deciding which furniture you have in your room to keep. Of course, you are not going to put all your furnishings in one place. Right? This will only make the room look congested. That is why it is necessary for you o know what furniture is best for your room. Moreover, before you buy anything new, consider updating your existing furniture with fresh paint or knobs. With this, you are not just saving a lot of money, but you are also saving some space for your room.

3. Shop for new items

If you do not have any old furniture that you can reuse or recycle, you can look for fresh and new pieces that can be used in your room. Moreover, you can have small side tables, cushions, throw blankets, lamps, and small-scale armchairs to add a welcoming ambiance whenever you come into your room.

4. Try a small DIY project

An excellent way to decorate your home is to make it personal. That means, incorporating creativeness in your project would make a great room. Perhaps, you can have some old things that you might want to recycle and make it into something useful for your room. Give it a touch of your personality. With this, you can do the things that are on your mind.

5. Think about color and lighting

When it comes to bedroom makeover, you do not just think about its design but also its color and light. Whether you realize it or not, these will give your room an in-depth. But before you decide to buy paint enough for the whole room, you can use extra-large paint swatches or get sample-size amounts to trying out colors directly on the wall to prevent any costly mistakes. Moreover, the right lighting can instantly make the biggest change in your room. That means, you also have to be mindful when choosing the right lighting fixtures that will look good in your room. Perhaps, you can add some ambiance with cafe lights strung across the ceiling, and install some dimmer switch for an overhead fixture.

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How To Welcome a New Roommate To Your Place

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Welcoming a new roommate can be fun and exciting. Of course, you get the chance to experience a whole new personality while living under one roof. However, if you think that welcoming a new roommate is just all about the party, then you better think again. While it is true that giving a warm welcome is important, but there is more to it than what you merely believe it is. Whether you are living together in a 2BR condo unit in Cebu City or any other residential building in the Philippines, you should know how to ensure a seamless transition.

Moreover, knowing the right approach to your new roommate will give you an opportunity to establish a good rapport between you and your roommates. But if you do not have any idea at all with the right approach you should give, then you might want to try these tips below.

Be honest up front

One of the most important factors for you to able to establish a good rapport is, to be frank with them. Of course, you also have to be mindful of the things you say for as not to offend them. This is also one way to give respect to your roommates. If you are just honest with them, they will not think about negative thoughts about anything. That is why being honest is important for you to have a lasting stay in the place you are in.

Split finances fairly

When it comes to finances, it can be a crucial thing for you and your roommate. Of course, there is money involved. That is why you have to make sure to plan out what you and your roommate is paying for. Moreover, they should pay the same percentage as you have to make it fair for them. This is to ensure that there will be no problem that will arise later on.

Make a payment plan

Whether you realize it or not, making a payment plan can help you when it comes to handling or managing your budget. Of course, this is one of the many and practical ways you will know what to do with the money that you are going to spend. Moreover, you have to make sure that you all should discuss and agree on how you are going to plan out the money for a better budgeting.

Talk about sharing

Obviously, your roommate does not have any idea at all on what and what with the condo functions. That is why it is a must for you to tour them around the condo unit for them to know what to do when they need to use a particular thing. Moreover, if there are any confusions about the guidelines you have with the room sharing, then you have to explain it them apparently for a better understanding of the things that is going to happen.

Decide an end date

If the new roommate is just temporary living with you, then you also have to know what time he or she will be leaving to make sure that both of you will settle the things that need to be resolved such as paying the bills and other monthly dues. Of course, this is also one of the many ways you can ensure that your roommate with a move out without any problems with you or with the condo management at all. However, if there are circumstances you both need to settle, then try moving the date when he or she will move out.

Having a roommate is not that hard as you think it is. Of course, you just have to make sure that you both have a better understanding of the things around you. With this, you will not have any problems with your roommate.

7 Mistakes You Need To Avoid When Painting Kitchen Cabinets

Painted cabinets can make your kitchen look attractive. It gives a bright and lovely feeling when colors match the kitchen stuff. However, not matter how colorful your cabinets are, it will look unappealing when it is not properly done. Yes, painting your cabinets is not just about for the sake of having it colored. There are certain things you need to consider before you start painting. Unfortunately, not all homeowners are able to do the same. As a result, they are not satisfied with the outcome of it.

While some properties such as Amaia Scapes Bulacan may have kitchen cabinets that are already nicely painted, there are some homeowners who want some retouch on their kitchen. Perhaps, they may consider repainting their kitchen cabinets. But there are some things you need to know before you start painting in order for you to avoid costly mistakes.

1. You have unrealistic expectation

Having an amazing kitchen cabinet would definitely be nice. There are even some of us here would pursue to have their dream cabinets. But the real question is, is it properly done? How about the color combination you made for the painting? Does the color of your cabinet compliments the kitchen? These questions may be simple, but very crucial when it comes to the outcome of it. Of course, you don't want to waste a lot of money just to have your ideal kitchen cabinet yet you don't have any idea on what and what not to do to achieve such. Be realistic enough when you go painting. Remember, there is a beauty in simplicity.

2. You don't allow yourself enough time

It is understandable that we all have busy schedules. But if you want to have some new look on your kitchen cabinet, then make sure you give an ample time do to such. It is definitely not a good idea when you tend to it on a rush. Obviously, you will definitely not have a good outcome of it when it is not properly painted. If you have a free time on Saturday or Sunday, then have it allotted for beautifying your kitchen cabinets.

3. You don't clean the wood

Before you start painting, it is a must for you to clean the wood. Wipe out the dust especially within its corners. Make sure that the wood free from dust and other things that damage the beauty of the cabinet. Also, no matter how clean your kitchen is, you still have the need to clean the wood of your cabinets. However, if you tend to forget to clean the cabinet first, then this might not give a smooth outcome.

4. You don't remove the doors off and drawers.

First things first, it is a must for you to remove the doors and drawers before you start painting. Of course, how can you paint the cabinet properly when you don't even empty the drawers or cabinets? Right? But you also have to be careful when taking it off. After taking the doors off and drawers out, then remove the hardware knobs and hinges. This will give you a proper and convenient way in painting your kitchen cabinets.

5. You skip labeling where your doors, drawers, and hardware go

This is one of the common mistakes homeowners make. They tend to skip when it comes to labeling their doors, drawers, and hardware. And later on, they forget how and where their proper places are. As a result, it may be hard for them to put them all back together since there are parts that are already missing or out of place.

6. You skip sanding

Even if you have kitchen cabinets that are in perfect condition, it is still a must for you to sand them in order for the paint to stick. Of course, use sandpaper in the middle of the spectrum and give all of the surfaces a quick buffing. With that, you will have a smooth result of your painting. Moreover, just make sure that the surface would be from glossy to matte.

7. You don't prime

The outcome of your project would also depend on what kind of paint you used. Yes, it is tempting to use affordable paints. But there will always be a risk when you do. Perhaps, after three weeks or three months of having an amazing kitchen, the knots in the wood would start to bleed through your paint. That is why it is a must for you to use prime or a stain-blocking primer to have a better outcome.

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For OFWs: Tips on How to Invest In a Property For Your Family Back Home

As we all know purchasing a property is a good investment. And it is everyone's aim to have the home of their dreams. Who wouldn't like that, right? How much more for OFWs? They also strive hard just to achieve their goals in life.  Although most of them are eager to invest in a condominium for sale in Manila, there are circumstances they just can't avoid.

Some of them may have no idea on what and what not to do when it comes to real estate investments while others are just too far to personally check the property that they want. But do you know you can definitely have the investment even if you are far from home? If you are one of those OFWs who want to invest yet don't have any idea on how then you might want to refer to these tips below.

Conduct a self-assessment

Investing in a property is indeed a wise idea. However, the investment can also make or break you if you are not ready for it. Never decide to invest in a property if you think you are not you are not mentally, physically and most importantly financially prepared. Before anything else, you have to think if you save enough money for the down payment? Or think about how much you can afford basing on your current income. With that, you will know how to prepare you are when it comes to the investments.

Do your own home and broker research

Since most OFW investors are out of the country, that doesn't mean you can't find the property that you want. Research is an important thing for you to know what property is best for your family. Through research, you will know what the property looks like and its price.  Moreover, don't forget to find a good real estate broker online. Check their background if they are trustworthy enough when it comes to their field of work.

Take an active part in narrowing down your home choices

Generally, there are hundreds to thousands of property available online. And for you not to be confused on what property you should choose, you better have a clear view or description of the property you want to have. If you want to have some garage, then don't look for properties that don't have. Determining what you really want in a home will make the process of investment even easier and faster.

Elect someone who can best represent you during the home buying process

If you are out of the country, it is only natural for you to assign your spouse, child sibling, or a close member of the family to represent you when it comes to the real estate transaction. However, you also have to make sure that that particular person who you choose is also trustworthy enough to deliver the task properly without any confusions and hassles.

Practice communicating with your broker and/or representative via email

When it comes to real estate transaction, you should expect that there will be a constant communication between you, the broker and the representative from your family. That means you have to check your emails from time to time for any updates about the transactions. Moreover, it is also important for you to be reachable in a time of the day for any case there are some questions that they need to ask from you. Constant communication is important to avoid any misunderstandings and confusions on the transactions.

 Make sure that terms of your negotiation also reflects on your home buying contracts

Always remember that you are investing your time, effort and most importantly your money. It is definitely your duty to double check the details in the contract. If there are any confusion in the contract, you have to ask the broker to make sure that everything is in order.  Making sure will safeguard the agreement made between you and the real estate agent.

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What To Do To Avoid Home Buyers Remorse

When we talk about investing in a property, you have to expect various things. Of course, we are not hopeful for the unwanted situation, but there are just times that you need to be prepared when that happens. It doesn't matter if you are going to invest in Amaia Scapes Lipa or any other real estate property, you should know the basic things for you not to be ignorant when it comes to the real estate transactions.

Unfortunately, not all home buyers have the basic knowledge of the things they are supposed to do. As a result, they regret deciding a wrong choice. That is why, if you are one of those home buyers who don't know have any idea about it at all, it is best for you to hire a real estate agent to prevent any unwanted situations.

And if you are planning to invest in a property, below are the things you need to know to avoid any home buying remorse. I'm sure you don't want to have some regrets after buying a property, right?

Understand the home buying process

Basically, you don't have to be an expert for you to understand the real estate transactions. Especially if you are planning to buy one, at least, you will have an idea of what is going to happen for you not to be surprised at the things around you. If you are not that keen when it comes to that matter, perhaps, you will be confused about what is going on with the process. Of course, there will also be questions when you don't understand.

However, if you just know the basic things that are going to happen, then you will also understand why your real estate agent is doing such things. Well, fret not if you are confused about a particular step since your realtor is willing to guide you through the process of the transaction.

Analyze the number

Most of us hate math. But you have no choice but to love it since you are dealing with huge numbers when purchasing a property. You have to know add-ons cost this much, or how much you should add to avail such promo. If you don't have any idea at all when computing numbers, then there are possibilities that you might pay higher than the expected one. And that would be your loss.
Moreover, you also have to analyze the cost you spent. Perhaps, you are spending more than you should, which can cause you some deficit on the bank. When dealing with numbers, you have to make sure that you are computing the right things. If not, then this might turn to financial troubles later on.

Patience is a must

There will be good results when you wait. Impulsively deciding things on your own without any consultation if it is good for the transaction is a no-no. When you do, you might end up experiencing real estate troubles and regret your decisions later on. Yes, we may feel exciting when we have our own home. But it doesn't give you the reason to rush things, especially when you are not sure of what you are doing.

Moreover, if you face problems in the process, you should wait for your real estate agent to solve it. Don't solve anything on your own, especially if you don't have any idea about it at all. All things are going to be well if you just wait.

Determine what you need vs. what you want

There will always be the difference between what you need from what you want. You have to know if you need an extra bedroom or not. Or if you just want to have servants quarter even if you still don't have a helper in your home. Yes, there are a lot of things we want for our home. However, this is also one of the reasons why we have things that we don't really need. As a result, we might end up disliking it in the long run.

For you not to be confused; it is better for you to list down all the things you want and you need. With that on, break your list down into the things that are really important for your use. If not, then scrap it out. With this method, you will eventually realize that there are a lot of things you want that you actually don't need. So, make sure to determine such to avoid regrets later on.

For Landlords: 5 Safety Requirements to Follow

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If you are a landlord, you have responsibilities to your tenants. Your duties are not just about the collection of their monthly dues, but with their safety as well. Some of the landlords are managing Manila condos for rent, and some with other real estate properties. Basically, it doesn't matter what property you're managing, it doesn't change the fact that there will be responsibilities you need to take.

Generally, working as a landlord is not that bad and as you think it is. For as long as you know your rights and responsibilities of being one, then you will not have any problems on executing at all. Moreover, you will eventually realize that it is also nice to be a landlord.

Well, if you are one of those landlords who still don't have any idea of what they are supposed to do, especially when it comes to the safety of their tenants, then below are some requirements you need to follow.

1. Smoke alarms

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This is one of the most important things you should never forget to have – installing smoke alarms in their home. This is one of the many ways where people or authorities can respond as quickly as possible when they hear the smoke alarm rings. Of course, when it does, it means danger and needs to be attended immediately. However, if you haven't yet installed such, then there are possibilities that respondents can't take actions immediately.

2. Safety switches

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Aside from the smoke alarms that you should install, you should also not forget about the safety switches for power outlets, lighting circuits, and power circuits. With that, if anything goes wrong, the tenants can immediately prevent any fire accidents from happening. Moreover, they can safely switch the power off whenever they are not around the house to ensure safety in their homes.

3. Electrical safety

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Not all landlords know about electrical stuff. Agree? That is why, if you are one of those landlords who doesn't have any idea at all on the wirings, it is a must for you to call the expert for help. Before you let your tenant stay or move in, you have to make sure that the electricians have already checked if there are no open wires or circuits that can pose a risk to us. Moreover, you have to make sure that all the wirings are new to prevent grounding.

4. Fire safety

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Fire accidents are one of the most common accidents most people experience. That means they don't have enough knowledge and fire equipment to prevent the fire from getting bigger. Of course, this is also one of the responsibilities landlords should not miss having. When we talk about fire safety, you have to make sure that you have fire extinguishers, fire exits, and other materials that can prevent fire. Moreover, to ensure that the place is safe for your tenants to live, as the landlord, you also have to make sure that the house itself is safe enough that follows the guidelines for safety measures.

5. Gas safety

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Although landlords may sometimes be busy, it doesn't give you the reasons as to why you cannot check the gas level of the place from time to time. Of course, gas is one of the things that is dangerous to our health. Your tenants can be suffocated when they inhaled gas on the place. Basically, landlords are required to maintain an adequate level of gas safety at all times. Moreover, this also includes gas fitting, flues, and chimneys well maintained.

Well, these five safety requirements are the primary ones. But it is the most important thing that you need to remember for you to prevent any accidents, especially with your tenants. Moreover, you will have no problem at all when you try to ensure all the things before you let your tenant move in to ensure everybody's safety.

5 Best Pet-friendly Ways to Decorate Your Home

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One of the many things most homeowners hate the most, especially when they have pets is when they usually get messy all around their house. Well, when you have pets at home, it doesn't matter where you live, be it in Makati condo or any other real estate properties, a messy pet is inevitable. Of course, there are just times that you cannot control their behavior, especially pets that are not well trained.

Well, if you are one of those homeowners who have a hard time decorating their home because of their pets, then below are some best pet-friendly ways to decorate your home. And mind you, not just you who will be satisfied with the outcome but also your pets.

Fur-disguising carpet tiles

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Some of you here have pet dogs, right? If not dogs, at least they have some furs. However, even if we like to have such pets, we just can't deny that sometimes it irritates us whenever they have some stray hairs that fall on our floor. Well, for you not to be pissed on their falling hair, then you might as well have a fur-disguising carpet tiles. With that, the stray hairs of your pets will just camouflage with the carpet tile that you have. Moreover, you don't have to worry about having it stained since you can easily replace the carpet tile into a new one.

Fossilized Bamboo flooring

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There will always be times that your pet loves to stay in a warm place. Of course, as a pet owner, it is also your responsibility that you give your pet a priority, especially when it comes to their health. And staying warm inside your home is one of the things you can do for them. Moreover, to make it warmer, you can also use fossilized bamboo flooring where it is a treatment that increases the density of the material, making it harder to scratch or dent. It is also a way to keep your pets safe from a slippery floor.

Fabric you can bleach

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When you have pets at home, you have to expect that there will be times that your home will be a little bit of a messy. Of course, you also have to expect that there will also be stains caused by a playful pet. Well, we just can't control their movements. However, when you have the fabric where you can easily bleach away the stains, then it will be easier and convenient for you to have with no stress at all. Moreover, this is one of the many ways you can have some time to play with your pets without worrying about the stained furniture that you have at home.

Pet-friendly upholstery

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Whether you realize it or not, there is a particular upholstery that is not that friendly to your pets. Of course, when you know that you have a playful pet at home, you should also try to match the upholstery to your pet's fur if you can, even if your pets are not allowed on the couch. Well with that, you don't have to worry that much when you notice some stray hair from your pets since it will be less noticeable. And of course, if you are one of those people who are into pets, you also have to be careful in choosing the right upholstery for your home to avoid any regrets later on.

Slipcovers

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If you are a kind of pet owner who allow his/her pet to stay on the couch, you have to make sure that you cover your couch with Slipcover. Well, you don't have to worry that much whenever your pet gets on your couch with a muddy paw since you can just remove and wash it with bleach. And for you to be less worry, then you can also have some slipcover for your bed with cotton bedding that can take frequent washes with warm water.

Down Payment Issues: Why Most Homebuyers Turn to Family for Help

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It is undeniable that the percentage of home buyers relying on their family is gradually increasing. And admit it! There are some homebuyers here who still seek help from their parents or any family members. Well, asking for help is not a bad thing at all, especially when you are a part of their family. However, if you are starting your own family and wants to leave your parent's home, asking some help when it comes to your down payments might not be a good image for you – that whether you agree with me or not.

Generally, what most homebuyers, especially first-timers would do when they decide to invest on their own home is that they will avail a home loan – usually parental loans. Financial experts say that one of the best gifts one can have is the help of their parents, with no expectation of repayment. Generally, if parents insist on investing in a home property as a gift for you and your own family, you have to make sure that there will be no strings attached to it. You should have the right documentation, including a letter that clearly states that the gift-giver doesn't expect repayment.

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However, if that's not the case, then parental loans fall under the category of unsecured debt. In fact, a loan from a parent could raise a borrower's debt-to-income ratio sufficiently to result in disqualification for a mortgage. That means, no asset is acting as collateral which can pose a lending risk. Moreover, a family loan is a burden that could affect a borrower's ability to make monthly payments. And most companies don't allow unsecured debt such as credit card advances. Companies want to be certain that every transaction that you have with them has an assurance that you can pay the down payment and its monthly dues.

Basically, if you don't have enough income and/or savings to sustain your obligations, then there is also no guarantee that you can avail home loans. Sometimes, if a loan would not be applicable on your end, then cash is needed. And for first-time homebuyers, this is one of the problems they usually faced. Yes, the process of investing is not that simple. There are certain guidelines that you need to follow in order for you to be qualified in investing your own home.

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If you want to impress the parents of your wife or live your own life, you have to make sure that you are capable of living a happy and normal life. Yes, cliché as it may seem, but having and securing your own savings is a must for you to do. When banks know that you have enough savings, and your job can produce a sustainable income, there is a higher possibilities that you can be qualified to invest and have your home loan.

Sometimes, savings is definitely hard on our end since there are a lot of things that we need to think of, such as our daily expenses. However, knowing how to budget your money in order for you to have your own savings is one of the musts for you to do. Yes, there are just times that we want to seek help from our parents, but it doesn't mean that we cling and depend to them in every real estate transaction that we need to make in order for us to achieve what we really wanted.

Moreover, if you are just discipline yourself when it comes to money matters, then saving for your future is not as hard as you think it is. In fact, it is one of the most important things for you to do in life – that is to save and own your home.

Brilliant Idea: Bringing Coffee Shop Inspired Designs to the Comforts of Your Home

Transforming your home into a coffee shop inspired designs? Why not? Yes! It's possible! Coffee lovers going to love this!

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Aside from the obvious thing as to why we go to coffee shops, it is also a place where we can unwind and feel relax. For some coffee lovers, they considered coffee shops as their "second home". They find peace and contentment whenever they find an opportunity to go to cafés.  Of course, the smell of your coffee plus the music playing can also be addictive. Don't you know that you can also be productive with that kind of ambiance? Well, we just can't deny the fact that there is something special when it comes to it. Agree?

Some of us here go to coffee shops every day just to get a cup of their favorite coffee mix. While others stay for a couple of minutes just to be inspired to do better on their work. If you are that enthusiastic enough to go to cafés every single day, why don't you try bringing coffee shop inspired designs to the comforts of your home? With that, it is one of the most convenient ways to enjoy your morning coffee. Of course, choosing the right design for you home also matters.

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The Kitchen

One way or another, our kitchen is the most attractive part of the house. Why? Well perhaps, it is where we usually make our favorite coffee mix – be it brewed or instant. And it makes a good and satisfying ambiance when we add some coffee inspired designs in our kitchen. Designing your walls with bricks, for example, can add the vintage aura of your kitchen. Of course, it is not just about the beauty it can offer, but also, bricks can help neutralize the temperature of your kitchen. It makes your kitchen cooler in summer and warmer in cold days. And it's a low maintenance; you definitely don't need to fix a peeling wall. There's a caveat, if you don't know how to install a brick, ask some assistance from the professionals to achieve the desired outcome.

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Aside from the walls, you can also have a vintage dining chairs and tables. The older it is, the better – just make sure that it can still be of use. If it's possible, the design of your dining chairs and tables are the same. If not, then a variety would do. You don't have to be strict with the design actually; you can play with it, for as long as it still fits with the "café ambiance" theme.

And speaking of the ‘ambiance', a regular coffee cup/mug is a no-no. As I've said, you have to play with the designs, and that includes with the kitchen wares. There are actually a lot of coffee mug that fits with your theme that you can choose from, just choose and pick the right one for your use. Well, it doesn't have to be antique though, for as long as it looks vintage and all, then it's your call.

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Don't ever forget the kitchen counter, add some features in it. You can definitely display your coffee grinder, glass coffee mugs/cups, coffee beans, and/or any other things that you want to include. Basically, the things that can be found on your counter doesn't have to be expensive, you can actually buy and have it in an affordable price. So, fret not!

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Other Rooms

Generally, most coffee lovers love to decorate the "café ambiance" specifically on their kitchen. However for some, they also want to have the design on their other rooms. Of course, you can also pull that off. Well, you can always start with the decals. You can have picture quotes about coffee drink and how it can boost our energy, and all. Putting it on your wall would be a better idea for you to make. Also, try adding some flavors on your room. You can add a real bicycle and hang it on your wall, or just merely putting it on the corner.

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Your relaxing moment will never be complete when you don't have a space for entertainment. Of course, you have to make sure that you have a space for coffee table books or a TV screen. With that kind of ambiance, you will be more inspired to get ready for work or school. And one of the must-haves you definitely should consider is the color scheme of your home. If you wanted it to look like a real coffee shop, then you better choose a color that matches with the theme that you like.

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Generally, for some coffee lovers, if not all, having this kind of home design is something that they want to achieve and have. Of course, who would not want to be inspired every day? How about you? Are you a coffee lover? Want to have these designs on your home?

Things to Get Rid of Before Your Next Move

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One of the concerns when you have to move to Ayala land properties and/or to any other real estate property is deciding what to take with you. Agree? Well, there are things that we have in our home that are not necessary to bring it with us. Of course, deciding what things are you going to leave behind can lessen the unnecessary things that you will have in your new home.

However, deciding what to leave behind can also be stressful and demanding. You have to think twice or even thrice just to make sure that you are really sure of your decision to get rid of the things that you already don’t need it at all anymore. Of course, there are also certain things that you think that are already not useful, however, they can still be recycle and have a new item and/or thing out from the things that you have made.

Well, if you think that you are still stuck of the though which things are you supposed to stay and leave behind, then here are some tips for you to know what are the things that are not necessary for you to bring with you in your next move. Of course, it will also be up to you whether you like the idea of getting rid of the things that you like.

Dine in

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Bringing food in your next move takes up a lot of space and often get a bit lost in the moving process. In the days and/or even weeks before your next move, eat anything that isn’t shelf-stable, brand-new or a specialty food and/or item. Also, don’t forget about the perishable foods in the fridge and/or freezer, you might throw it away if you don’t eat it before you move to your next home. Another thing, you have to make sure to not have any groceries before you move in for you not to have a lot of things to pack.

Pass on low-quality furniture

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If you are keen about having good and nice furniture, you have to make sure that you are going to have one. Of course, you cannot have such if you still have your old and low-quality furniture with you. Well, if you think that it is wasteful if you throw it away, then you have to find someone in your neighborhood, families and/or friends who are willing to have it for you, then you can definitely get it to them. You also have the need to upgrade or replace a new one when you get to your new home. 

Clean closets

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If you think that your closet have a lot of things and/or clothes that are already not of use, then you have to make sure to clean it up before you leave to your new home. Of course, like your old furniture, if you think that it is such a waste to throw it all away, then you also have to find someone within your reach at your community to give it to them. With that, you are donating it to them, especially people who don’t have any.

Tame the bathroom cabinet

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If you have a lot of crusty nail polishes and curling mousse placed on your bathroom cabinet, and if you think that they are already of no use, they why not try donating it or throw it away. There is still no use if you are going to bring it with you to your next move. It will only eat up your space, and you don’t want that to happen. Right?

Donate excess kid’s toys

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If you have kids and you think that there are certain toys that they don’t want to play it anymore, then it is better for you to donate it to charity, families, friends who have kinds and/or to your neighbourhood. With that, you are not just de-cluttering your things, you are also helping other kids to have their own set of toys.

Top 5 Fatal Mistakes Condo Renters Make

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When it comes to investing in the Bonifacio Global City condo, making a fatal mistake is definitely a no-no! It is going to be one of your nightmares when you do such mistakes. And I’m sure you all don’t want that to happen to you. Right? That means; we have to be careful in everything we do when it comes to real estate transactions.

However, one of the nightmares renters can possibly experience is when the rent prices continue to rise as more and more renters flood the real estate market. And one of the most brutal thing to experience is when you don’t have enough pocket money for the rent and other important things that you need for you living and a fewer rental options. It is a quite a challenge, right? The struggle is real for the renters!

Yes, struggle as it may seem, however, that doesn’t mean that you should rush things immediately without any second thoughts. Well, if you are lucky to find a good condo unit to rent out, then you should avoid doing these fatal mistakes most condo renters make. If you do, then good luck!

1. Not reading the lease

Basically when you rent, there will be a contract between you and the owner and/or the landlord. There will be some arrangements and agreements when it comes to property that you are going to rent. Of course, not all leases are equal.

The kind of lease that you are going to have is probably not the same with the other properties. That is why, it is important for you to know and understand each detail of the lease. It is also for you to avoid any problems that are possible to arise later on.

2. Thinking the landlord will fix it

This is one of the misconceptions of most renters. If they think that the landlord will fix all of the problems regarding the property that you are staying, then you better think again. Not all landlords will fix that! That is why; it is important for you to check the property before you are going to move in to avoid any complications later on. However, if you have something to repair in your place, you also have to know who to call. Of course, you have to call the service provider – not the landlord.

3. Not documenting damage

The tendency when you rush in moving in to your condo unit, you will most likely forget to list the damages that you see in the property. The worst part is, the landlord might let you pay the damages found in the property without knowing anything about it at all. That is why; before moving in, you have to document every single detail of the condo unit. Well, you can definitely take a picture of the unit before you moved in. And when the time comes that your landlord will question you about it, you will have your solid proof that the damage is already there before you moved in.

4. Going only with an oral contract

Having only an oral contract is definitely a no-no! Don’t do it if you don’t want to have a nightmare! Oral contract is dangerous, especially to the renters. Landlords will trick you when it comes to the payments of your rental. Not only that, he/she might let you leave without any prior notice.

However, if you have a contract signed before you moved in, you have the assurance that you will have a safer place to stay. Also, if there are unexpected things that might happen to you, you can always go back to the contract that you have signed whether you and/or the landlord is doing what the contract says.

5. Not pulling your credit report

Credit cards, yes! This might be one of your feelings when you have one. However, there are certain things that you have to know and understand before having one. You have to know all of your credit scores. This is going to be one of your worst nightmares when you spend too much without thinking that you have already exceed the limitation of your card. And it is going to be a pain paying the money that you have already spent.