COST OF LIVING IN A CONDO PHILIPPINES (WORK FROM HOME)

[@kenrice]

I am an American married to a Filipina living with my wife in Metro Manila condo high-rise. My wife and I purchased our first two bedroom, 100 square meter condo unit with Robinson Land Corp more than 18 years ago. We also have three smaller studio investment units. My wife and I are very impressed with the way the OP presented the facts in this video. She did a great job, providing factual information. If you purchase a condo unit with a reputable developer and the building is maintained at the highest standards. it may be well worth the investment.

[@OwnPropertyPH]

Thank you for sharing your condominium purchases and for adding valuable feedback. This is added information to those who are completely against condo living and can’t just be happy for people living in a condo when, as a matter of fact, each individual has a different lifestyle preference and financial circumstances 😊

[@corazonzinampan3726]

@@OwnPropertyPH Very informative.Keep it up! Good luck to you.May you hit 1M or more subscribers.

[@methemonkeyking]

I have a two bedroom condo at The Fort that I purchased 17 years ago from RLC. The lobby, grounds, parking area is perfectly maintained. You are correct, it is important to choose a builder with high standards.

[@fernanpage8171]

Sir/Mam I am planning to sell my condo unit at Victoria Towers Tower B it was located at Timog corner Panay Avenue bi level unit 2bedrooms 1bath semi furnace with monthly income of P16K for now. Just message me here if interested. thank you

[@OwnPropertyPH]

@Corazon Zinampan Thank you so much 😊

[@arnold7624]

Pressure factor is one of component in calculating your water bill, the higher location Ng unit mo the higher the pressure needed to ensure consistent Yung water flow at Kayang umabot sa unit Yung tubig. Very informative content 😊

[@OwnPropertyPH]

Thank you for this 😊

[@erwinarpon9207]

Galing mo ate. I’ve been living in condos going to 5yrs na din. Very true ung lahat ng topic na nadiscuss mo dto. Good job and hope more genZ can understand the our living situation right now. Keep it up ate

[@OwnPropertyPH]

Maraming salamat 😊 I super appreciate your comment

[@danieljr.galarion7956]

where do you reside po ate? Prefer it to be here in taguig so I im still in my hometown hehe sana po may marecommend kayo sakin na condo unit 10k below here in Taguig

[@manilamartin1001]

Well explained. I love living in a condo. Its much cheaper than having a house as far as maintenance. It is also safer for when i travel and i have to leave it unattended.

[@OwnPropertyPH]

Thank you so much 😊 I enjoy living in a condo right now too. Less space to clean 😂

[@manilamartin1001]

@@OwnPropertyPH haha. That too.

[@moviessugas]

No offense but you're really lucky to have a good provider like your parents or siblings. And all you have to worry is yourself while others can't even if they can. Cause not only they have to take care of their parents who are not well knowledgeable in securing their selves / didn't have retirement plans and/or kids they have to feed. Good for you cause you only have to take care of yourself while still getting help in your expenses "great job mom and dad for your wonderful daughter who brags her condo living on the internet". And also living in a condo is much more expensive unless that condo you got is well "cheap" and sucks. So it's not true. Obviously you have a high maintenance lifestyle thanks again for your providers. Your expenses on a condo example the rent will get you a house (not the typical cheap rowhouse in bulacan) on a good subdivision. Plus if you go for a house (rent to own) that can be yours and your kids will get to inherit it while in a condo you can't. And when the building has been demolished its a just a small space you and others will partake or be distributed. Plus not only you need to pay for the rent and other expenses like electricity, internet, phone the PARKING space is half of the price of your condo rent. Let's say on this particular building it is 7k and on that amount you can pay your bills with it. But in a house you don't need to pay for it. Plus there's limitations on a condo unit (not all) like you can't drill, cook, you have to ask for permissions while on a house you can do what you want. If you get a good subdivision security is also well. And before I forgot that small space that is really not okay. My house is a 150 sq meters single detached UP & DOWN. I lived on a condo before that's freaking 23sq m. So getting a house is still better than living on a condo. This channel is literally for spoiled brat people who gets what they want or live the life they want cause their parents helped them instead of making them an investment like others do.

[@manilamartin1001]

@@moviessugas yes. Probably a lot of the condo lovers also have a place like their parents house to go when they feel too trapped. And yes, it might be expensive for many to afford maintenance fees as well. I also forget that its a lucky life to be able to afford a condo. Great reminder.

[@OwnPropertyPH]

@@moviessugas Your comment is actually offensive since you obviously didn’t watch the video. If you really watched it, you would know that this condominium was purchased by my husband and me so we can live near his workplace. And just so you can correct your wrong presumption, our parents are not providing for us. All of the payment for our condominium and our living expenses came from our hard work. My husband is also supporting his parents and I’m saving money for my parents in preparation for their retirement. This video was not meant to brag but to give people an idea of how much they would need if they want to live in a condominium. Indeed, the condominium lifestyle may be more expensive compared to living in a house in some instances. We also may be able to afford to rent a good house in a subdivision or buy an affordable house. However, we still opt to live in a condominium during this time of our life since we don’t have the luxury of time to maintain a house. The less time we spend on household chores, the more time we can use to work. We also save a lot of travel time since a car isn't necessary for our mobility. We also value the security that condominium living offers because we enjoy traveling. If we purchase a house in the center of Metro Manila or purchase outside of Metro Manila that has very tight security, it is currently out of our budget. We don’t want to just buy any house. I’ve seen my friends buy a house only to regret it. Their house increase in value but its appreciation is not enough to offset all of the ownership and maintenance costs. At the end of the day, appreciation for a house is not guaranteed. There are times it is more difficult to sell than a condominium. Moreover, this condominium that we purchased can be inherited by our future children. Our condominium is also in a strategic location so it won’t be difficult to sell or lease in the future if ever we decide to move out. “And before I forgot that small space that is really not okay. My house is a 150 sq meters single-detached UP & DOWN” What is okay for you may not be okay for other people. For instance, we don’t want a large space because we will just end up filling it with stuff that we don’t really need. Not only is maintenance expense more expensive for a house but it is also time-consuming to clean. A house just becomes cheaper to maintain than a condominium when the owner doesn’t set aside at least 1% of the home’s value annually for home maintenance. And correction this channel is for those who would like to learn about real estate. You may want to watch the video I made for first-time homebuyers kzbin.info/www/bejne/rKe5kHqtlJimo6s.

[@janjo_]

thank you for sharing this. i have been living in a toxic household and have been planning to move out then i came across this video. i liked how well you explained the costs, this really helps alot. 🙂

[@OwnPropertyPH]

It’s saddening to hear that you live in a toxic household. Glad that this can help you plan and prepare for when you move out 😊

[@robertbrana8154]

Metro Manila is one of expensive city to live in the Asean. Thanks for insight.

[@OwnPropertyPH]

Yes, it really is one of the expensive cities to live in ASEAN 🙂

[@SupremeCourt127]

Tapos Dami sindikato!

[@shaneacdoblas710]

Tagbilaran City, Bohol is. Hahaha

[@LarryfromPH]

Only because SM is trying to turn Metro Manila to Hong Kong!

[@czar7507]

Very expensive indeed but the salary is the lowest in ASEAN not balanced at all

[@manuelbusa6449]

I came across with this vlog and super galing mo mag explain. Very informative and hindi ka nakakabore panuorin at pakinggan. I even didn't skip!!! Thank you for this vlog! Appreciate it much!

[@OwnPropertyPH]

Wow! Thank you so much and it means a lot to me that you didn’t skip. Comments like yours motivate me to keep on creating more informative videos. Again, thank you so much 😊

[@pb7200]

true! I was about to skip when the video but then I was mesmerize of her. Explanation and everything was on point and clear.

[@poloman888]

This is really comprehensive, and I like the comparison vis a vis home ownership. I didn't know that water is more expensive in a condo. Also, your inverter appliance purchase seem justified. Great job!

[@OwnPropertyPH]

Thank you 😊💕

[@grimm147]

I don't usually give thumbs up when watching videos, but I think these deserves one.

[@OwnPropertyPH]

Thank you so much and I also appreciate the comment that you left 😊

[@leajiun]

I’m thinking very deeply regarding purchasing a house or a condo. I’m so glad to stumble upon your channel. I’ve been watching your videos and all are very informative. Thanks also for giving real life estimates on budgeting and sharing your experiences, prepares me on what to expect once I got my own property. 😊 By the way, do you have an insight on Ayala properties, particularly Amaia Skies condominium?

[@OwnPropertyPH]

Hi, thank you, sir, for your kind words. I truly appreciate it po 😊 SIr, are you purchasing Amaia Skies for your use or for investment purposes? You may reach me, sir, at [e-mail] if you want to talk privately.

[@EngrLethA]

Congrats 🎉🍾🎈🎊 iha to your YT Channel.. I’m a retired Realtor and home builder there dati sa Philippines 🇵🇭 for 23 years... now retired and living here in USA 🇺🇸 and enjoying helping others work from home. Best to do as a Realtor is mag Ipon ipon and get your own condo properties for a rental business! 💕

[@OwnPropertyPH]

Thank you so much po and thank you for your advice 💕 I agree po on saving and investing on rental properties. Stay safe and God bless po 😊

[@ritsard]

Great video. What she stated here are true. I also live in a condominium, sobra kong naappreciate ang pagtira dito in the middle of the lockdown. My condo has lots of open spaces and trees. Makes surviving each day of the lockdown bearable. Cant imagine being locked down in a house where you cant do much. Is it expensive to live here ( mortgage and assoc dues, rpt) , yes, but it is worth it. You just need to manage your expenses. Good luck to those who plan to live in a condo

[@OwnPropertyPH]

Thank you for sharing this 😊

[@danieljr.galarion7956]

how much po sa condo nyo monthly planning to rent po for family thank you very much po

[@ritsard]

@@danieljr.galarion7956 kung samin, dmci mid rise, 25-30k monthly here in pasig. Inclusive na yan ng assoc dues, if with parking 30k

[@glennhermoso7505]

An eye opener. My partner and I will be living in our condo and this is very helpful for us. Thank you!!

[@OwnPropertyPH]

Welcome. Glad to be of help 😄

[@maeveotis9686]

After living for 5 years sa condo (renting) we decided to buy house and lot na lang. Depende talaga sa priority mo if it will work for you or not. Worked well for us nung first 3 years kahit studio lang kasi walking distance sa lahat coz we just needed a place to sleep lang. Pero nung nagka pandemic and required na mag work from home, para kaming sardinas sa unit and di kami makapag work ng maayos, 2 lang kami ng partner ko. We had to upgrade from a studio to a 1br in the same bldg para makapagsetup kami ng maayos na workspace for 2 people, which of course meant higher rent and new set na naman ng deposit and advance payments. Pag naka wfh ka, mas ramdam mo ang mga problema while living in a condo, - ang alikabok palagi (kasi along EDSA) - Dinig na dinig yung mga sasakyan sa baba, mga busina at wang wang kahit nasa 30+ floor ka (kasi nga along EDSA) - walang katapusang increase sa condo dues - Tatagain ka sa repaire fee ng mga taga maintenance pag may kailangan ipaayos - Bawal pa din magpa overnight ng bisita kahit na alert level 1 na - may ibang neighbors na walang modo at nagtatapon ng abo or basura sa balcony, pag sinwerte ka, senyo ang bagsak - ppag bababa ng unit na nataong rush hour, good luck kung makasakay ka mg elevator - walang space for manual laundry or sampayan, so kung di afford ang AWM na washer/dryer or ayaw gumastos magpa laundry, forget it. Syempre the convenience of having everything within reach is different din talaga pero kung wfh ka naman forever like us, maximize your money's worth and just forgo getting a condo.

[@OwnPropertyPH]

I totally agree that it depends on your priority 😊 And thank you for sharing your experience. Magandang reminder po iyan sa mga balak tumira sa condo na importante talaga ang location at management ng building kasi nakakaapekto sa quality of living. We also currently live in a studio and my husband also has the option to work from home forever. I also use our unit as my home office. At na-experience rin namin ang makulong ng matagal sa unit namin. Pero we’re grateful to God po na we haven’t experienced any of the problems you mentioned. Mga naging problem lang namin: • minsan hindi nasosoli yung luggage cart ng kapitbahay • walang opening yung lalagyan ng condenser • Then kapag nag-vacation kami at wala kami nagkakaroon ng maraming maliit na ipis. • Isa lang internet service provider before Despite those, happy po kami sa binili naming unit at blessing talaga na dito kami nakatira lalo na ang mahal ng gasolina ngayon 😊

[@loulsicar2155]

May mga condo unit po ba na studio type na 10K or less ang monthly around Makati? If magwowork kasi ako don, okay lng ako sa small space like nung nag dorm ako in college.

[@marieantoine]

Salamat sa pag share ng experience mo. Natetempt na talaga ko mag move out at lumipat ng condo pero WFH lang ako palagi even before pandemic. Ang hirap maghanap ng condo na may enough space para merong maayos na WFH setup (work desk/table with monitor/s, desktop pc, & ergonomic chair) unless bare unit kunin ko which means mas malaki gastos tapos baka maging donation to the unit lang mga pinamili kong appliances at furnitures kung di ko kayang dalhin kapag umalis na ako.

[@nancychong4650]

I didn't know it could be so expensive living in a condo. I really don't have any idea. Luckily, I didn't buy a condo because I love gardening. As we know, there is not place to build a garden in a condo unless they are in pots. Thanks for sharing.

[@OwnPropertyPH]

I actually find condo living to be reasonable since maintenance for a house & lot is more expensive 😊 I agree that those who love gardening must live in a house & lot. So my mom will never be suitable for condo living. She loves growing different plant varieties. Aside from that, it costs a fortune to have a condominium unit that has a space for a private garden 😅

[@robocop581]

About water being pumped higher in tall condo buildings, the water tanks are usually situated in the middle floor of a building so there’s really no difference in water pressure requirements at higher floors. At One Shangri-la Place, for instance, the water tanks are in the 39th floor. OSP has a total of 64 Floors.

[@OwnPropertyPH]

Thank you for this. I just shared what was shared to me by the engineer that I’ve talked to so it’s great to know that the water tank in OSP is located in the middle floor 😊

[@jhoiscaballes806]

The higher you go, the higher the required pressure for the pump. If the building is too high, it makes more sense to place the tank at the middle portion, there’s no pump that has enough pressure to push water up to 64 floors.

[@johnatespaghettiforlunch3568]

Thank you so much for this video! I'm currently preparing for condo-living and this is very helpful and informative!

[@OwnPropertyPH]

I’m happy that you found it to be helpful and informative 😊

[@veraschmidt6698]

We are renting in BGC. Napansin ko lang almost same lang po ang water at electric bill sa Mandaluyong condo din.3 kami, me hubby and our kid na 10 yrs old Depende talaga sa consumption. 😊 this is so informative since wala namn akong alam sa areas sa unit na imumultiply sa something para maging payment mo so thank u... inuulit ko nga eh para mas ma absorb ko ang info hehe

[@OwnPropertyPH]

Thank you for sharing po 😊 I think kaya medyo similar din yung sa condo namin and sa other BGC condos dahil sa location ng condo po namin. Pero I noticed sa ibang clients ko sa other parts of Mandaluyong mas mura po yung utility bills nila.

[@iamrebbie2898]

Thank you so much for this very informative video... I bought a condo but still on going construction and already paid off thru bank loan I never thought about association dues and real property tax, etc.. but I now I have ideas the next time I purchase another unit in different area in our town...

[@johncruz7895]

Direct to the point and awesome seemingly extemporaneous presentation.

[@OwnPropertyPH]

Thank you po 😊

[@lyduenacastillon2366]

Hi there! i agree with your explanation regarding condo living… it is costly but it has amenities that landed houses don’t offer .. it is incomparable for me by the way.. but hey ur parking space is expensive, mine is in Venice Residence but i only offer it 4K per month 😀 ; Well on the other note, mine i let someone rent my unit for passive income and i stay in my landed house for economical reason as well . Keep it up! 😍😃

[@OwnPropertyPH]

Hello, thank you, ma’m, for sharing your thoughts and your current situation. Wow! 4k for parking only, I wouldn’t mind renting for that rate especially in the McKinley area. Thank you po 😊

[@marcusgideon]

Very well explained all and you probably hit all bullet points that people are thinking and even on hindsight! Kudos po! Cheers!

[@OwnPropertyPH]

Thank you so much 😊

[@chollypaderanga307]

Hi, Me-an.. thank you for the video... exactly what I was looking for, condo living expenses All the best 😇

[@OwnPropertyPH]

Thank you so much for your comment. I truly appreciate it 😊💕

[@arlilysirios8654]

Hi! Your video is very informative. I plan to own a condo, but I have to weigh things out if it is a good decision to own one. I like to clarify, you said that your monthly rent is P 6, 500, are you pertaining to parking? Just like to have an idea on how much expenses I might spend if I will live in a condo. Thank you.

[@OwnPropertyPH]

Hello, thank you for finding my video to be informative 😊 Yes, the P 6,500 pertains to the monthly rent of the parking slot. This video might help you further in your decision making: renting vs buying a home kzbin.info/www/bejne/sH7Hkp6Hjsl8Z6s 😊

[@IamBevQ]

im living alone.. surprisingly,, water expense from my condo is around 100/ mo. as compared when I was living in an apartment, 400/mo...

[@OwnPropertyPH]

Thank you for sharing this 😊 The few of the possible reasons I think why a condo’s water bill is lower than an apartment’s water bill is that the apartment may have an outdated fixtures that aren’t water-saving and there might be leaky fixtures. Whereas since a condo is newer, the fixtures are in good condition. The apartment might also have a leaking pipe and unless the landlord is proactive in having a plumbing maintenance then it won’t be detected and fixed. For condominium buildings with a good condo corp./ property management, they have plumbing maintenance because they can get it from association dues 😊

[@darisgonzales2056]

Im in Twin oaks East 🇹🇷🖤🖤🖤🙄👍👍

[@carlosampang5433]

Very informational and in depth content! ☺️

[@OwnPropertyPH]

Thank you 😊

[@frederickjayme5826]

Very pragmatic advices and ideas. Thank you for sharing ;)

[@OwnPropertyPH]

Thank you 😊

[@thephilippinesforus]

My partner needs to watch this. Beautiful and intelligent. Great combo. New subscriber here. 😎👍 Keep working hard. All the best to you and your hubbie. 💙🙏

[@OwnPropertyPH]

Wow! Thank you so much for subscribing and I’ll definitely keep working hard. All the best to you and your partner as well po 😊

[@darisgonzales2056]

100 000 😁👌 Brklyn 🖤🖤

[@mechamonsters7718]

Moving to the PI is the best choice I have made, all an all I pay about more or less 50k a month for the cost of living in a condo with a wife and kid.

[@OwnPropertyPH]

Wow! Thank you for sharing your cost of living 😊

[@hbtv6356]

Great video, thanks for the insights. I do have a question, hopefully you can answer them. 1) when do you pay association dues? 2) when do you pay real estate tax, upon turnover? How about when you still have a loan on balance to the bank. Shouldn't it be the bank to pay that tax since you technically don't own the unt yet?

[@OwnPropertyPH]

1) You start paying association dues when the unit has been turned over. 2) Likewise, you have the responsibility to pay for the real property tax for the next quarter or succeeding year after the unit has been turned over to you regardless if you still have a loan balance. The bank has no responsibility to pay the RPT because it is not the owner but you are the owner and you are the one in possession 😊

[@winry1890]

super helpful and provided lots of insight, thank you!

[@OwnPropertyPH]

I'm glad that you found it helpful 😊

[@zzzzzz3006]

This was very insightful. Thank you for sharing.

[@bobbydejesus6822]

It is so expensive to live in a condo from monthly dues, utilities and vehicle maintenance. On monthly dues you will incur what they call association dues which is usually dependent on the type of condo you are living on. Some can go as high P100/sqm/month!!!. For utilities, your are paying actually 3X to 5x more than living a rented home because your meters are submetered. Then lastly vehicle maintenance which many overlook. Aside from paying association dues for the parking slot, you can not clean your car in the said space. That space is ONLY for your parking needs of your vehicle. Any other materials can not be placed on the said slot. So in cleaning your car you need to depend on a car wash center or go to your relatives to have your own car wash. And i can tell you that MOST car wash do not wash your car :professionally" that's why after a series of wash you will see that your car paint have accumulated a lot scratches from poor and over used washing mitts or rags... Go get a Townhouse instead

[@OwnPropertyPH]

“Go get a townhouse instead” This is easier said than done. If we were to get a townhouse in the city we reside in, not only do we need more cash for the downpayment, we need to pay double the amount that we paid for the condominium unit to ensure that we get a townhouse with a good build quality. Also, some townhouses charge association fees too. I agree though that when car parking and car cleaning is brought to the equation, a condominium unit becomes more expensive than a townhouse. That is why location is really important for condominiums. If it’s in a transit-oriented location, we don’t have to be dependent on cars anymore for mobility 😊

[@bobbydejesus6822]

@@OwnPropertyPH there are many affordable townhouses in which can range from p6M to p10M only in prime areas. DPs and amortisation are same to condos. if there are association dues it will be much less than a comdo. if you have a common gated townhouse it will be a bit more expensive. utilities are individually metered unlike condos they are submetered!!!

[@OwnPropertyPH]

@@bobbydejesus6822 We are aware of such but we don’t want to risk our safety. Most condominium buildings adhere to the National Building Code but a lot of the houses are constructed without supervision of professionals or they skimp on the materials used. So if you actually did a quick search on the internet, you’ll see that those who purchased affordable house & lots have a lot of headaches and the new owners end up spending more on repairs. The stress isn’t worth it for us. We rather focus our energy on work and on our relationships with people. Most importantly, we don’t want to be house poor by buying a property beyond our budget just so we don’t live in a condominium. What is best is to live within our means and be happy with our decision 😊 Condominium units are easier to sell as well so we can just upgrade our property in the future.

[@jasonderuloasd3919]

Ganito dapat mag explain hindi yung filtered na haha thank you for explaining this although wala akong planong tumira sa condo pero may plano ako bumili for passive income purposes.

[@OwnPropertyPH]

Salamat po 😊

[@haveagreatdale]

This is super helpful. Thank you, Me-an!

[@OwnPropertyPH]

Thank you for watching 😊

[@jenicamendoza8135]

I love your content!! 😊 keep it up! Thank you!

[@OwnPropertyPH]

Thank you so much 😊

[@gdfb3591]

So basically how much salary you should be earning for you to afford such expenses? And what are the jobs that can pay you to cover such expenses in the Philippines? Doctors? Lawyers? Celebrities? OFWs?

[@moviessugas]

She did't answer your comment cause she's not doing anything besides being a spoiled brat who gets her money from her parents.

[@OwnPropertyPH]

For a condo like ours, you need at least P 70,000/ month and the jobs that can pay you to cover such expenses are indeed professional jobs like doctors, lawyers or even a real estate broker like me; jobs in the I.T. industry; influencers (I have some influencer/ vlogger neighbors); professional athletes and OFWs with white collar jobs (I noticed that some of my OFW neighbors work in Singapore). There are condos that cost less and can be financed via PAG-IBIG. With that, income should at least be P 25,000 per month 😊

[@OwnPropertyPH]

Hi, ToysUnboxPH, I just wasn’t able to respond to his comment right away since I do batch responses whenever I have free time. In case you haven’t noticed, my channel is receiving a lot of comments yet I try my best to answer all. I even answered your insulting comment last time. You just chose to ignore it that’s why you’re still saying that I’m spoiled when I’m not 😅 And I also don’t get why you are mean when you’re supposed to be happy in your house & lot.

[@yongalegarbes2622]

Thank you so much for such an informative video... Well i need to prepare all these expenses. Take care

[@OwnPropertyPH]

Take care as well 😊

[@louelljeannelorzano]

Very informative video! We need more of these ones. :)

[@alanpage3198]

Hi, I'm kinda surprised about your electric bill at almost 2000php with AC unit running at 17hrs a day for a month including the fridge and induction cooker.. I am planning to move out from my parent's home and live in BGC soon. My expected budget for electric bill seems a little high at 6,000 pesos. 😅

[@OwnPropertyPH]

All our major appliances have inverter technology 😊 For the month of July 2021, our bill is P 2,245.14 but our bill increased because we frequently used our smart oven. It's good that you allocated a high amount. From what I know, utility bills in BGC are more expensive.

[@kenrice]

Actually 6,000 Pesos seems very reasonable. I have a 100 square meter condo unit and my average electric bill is between 10,000 to 12,000 Pesos a month. We operate the bedroom aircon 24 hours a day 7 days week. We operate living room aircon 16 hours a day, 7 days a week. All of our aircons and home appliances are energy efficient inverter, convection and induction technology.

[@user-zs9ek1bx5z]

*sana may total expenses (though viewers can add)* 😄 *informative video.. GREAT* 🙂👏👏👏👏👏👏👏👏👏👏👏👏

[@OwnPropertyPH]

I was thinking of putting total expenses as well but it actually depends if the condominium is bought or being rented. It also depends on the lifestyle of the person. Let me know kung saan ka interested and I'll compute it for you 😄

[@cherrygabs4939]

Very concise and straight to the point.

[@OwnPropertyPH]

Thank you 😊

[@rymanalo7456]

Thank you for sharing the "inverter technology" hack. I wasn't aware about this type of technology. Can you share the brand that you're using for your aircon and does your condo use a "commercial rate"? I was warned by my land lord that aircons are very expensive in condos because they're treated as a commercial rate vs residential.

[@OwnPropertyPH]

We use Mitsubishi Electric brand but it came with the unit we bought and it’s a split-type. If your aircon provision is window type and you think you’ll stay for several years then you can buy. But if you also want a split-type, I strongly advice you not to purchase one since it’s not yours. Residential condo buildings have residential electricity rate po. The only time it will be treated as commercial is if the unit is a SOHO unit or small office, home office condo unit 😊

[@quincyducaste361]

Yey! Detalyado po, I learned a lot. I made sure to take notes.

[@OwnPropertyPH]

That's awesome po 😊

[@brickchaser5688]

This current video of yours regarding cost of living in a condo in the PH is one of several that I've been waiting for. It gives me an idea of how much to allot each month for expenses. One question regarding real estate property tax (which is annual): How does one compute for this? I'm not familiar with the "assessed value of the condo." Here's an example: Say, the condo was purchased for P15m, does that mean multiplying that amount by 2%, the annual property tax is P300k? Thanks in advance for your input... looking forward to your next video.

[@OwnPropertyPH]

We don't actually need to compute this if we have a copy of the Tax Declaration of the property. It is specified there the market value of the property which is multiplied by the government's assessment level. The product of the two is the assessed value which is multiplied by 2%. So for instance, for a P 15 M condo, the market value set is P 1,500,000 then the assessment level is 60%, the assessed value is P 900,000. The P 900,000 will be then multiplied by 2% so the annual real property tax is around P 18,000. Please note that this is just for example purposes only, sir. Some cities in Metro Manila have an assessed level of 2.5%. I'll also create a video regarding real property tax but I'll use my own Tax Declaration since I have a fiduciary duty to my clients to keep the value of their properties confidential 😊

[@brickchaser5688]

@@OwnPropertyPH Thank you so much for your response. The two missing "ingredients" I was looking for were the tax declaration of the property and the government assessment level, which is currently not available since the said purchased property was a presell back in 2019. It sounds like these docs will be handed during the turn over (?). Your example on the computation is perfect and has given me an idea of what to expect. I believe the 2% is spot on as the condo is located in Quezon City. 2-2.5% is quite reasonable. Not to mention a property owner gets a "discount" if paid in full before the beginning of the calendar year, as you have mentioned. And as an added bonus, the property tax can be paid online (in QC), which entails not having to make a trip to City Hall (?)... I guess that's the difference between the US and the PH, when it comes to information pertaining to properties, especially its (estimated) value. In the US, one only needs to know the full address and can find everything about a particular property by searching Zillow, Redfin or Realtor.com - Looking forward to your next video...

[@OwnPropertyPH]

@@brickchaser5688 Yes, the Tax Declaration of the Property will be handed once the condo is considered to be fully paid and the real estate developer has transferred the ownership to you 😊 I think what you’re pertaining to is the selling price of the property (indicator of possible fair market value) for the websites that you mentioned but for the assessed market value of the government, such information is retrieved from the assessor, publicrecords.netronline.com. When the property records is not published online, there is a need to make a call 😊

[@brickchaser5688]

@@OwnPropertyPH That makes sense, all of these will be finalized during the transfer of ownership. Having watched your video and wanting to have some peace of mind with regards to what to expect as far as expenses are concerned in owning a condo in the PH, I have "jumped the gun." At least now, I know how much to budget when that time comes. I so much appreciate your time in explaining these things to me and for creating such educational videos in home ownership in the PH. Thank you!!!

[@darisgonzales2056]

500 000 😪Love

[@Deactivated_Account_]

80 | 20 Rule, sa'kin. wala pa ko anak at asawa, eh 80% Savings 20% Personal Effects Libre ang travel, libre ang food, *5 meals a day.* Libre ang bedroom, water, electricity, email, laundry, *GYM.* pinanood ko pa din to, kahit hindi naman ako bibili ng condo unit. curious lang.

[@OwnPropertyPH]

Wow! Ang saya 😊

[@alphabravo9999]

We had our condo for 6 yrs now. Ive been living in it for 4 yrs now kahit wfh. I dont mind the expenses. I wouldnt trade peace over working in our loud and chaotic home 😂 Edit (for others reference): Condo in parañaque. (Mom's mortgage that i am paying now) My monthly expenses: Monthly Amortization: 28,000 Internet: 1500 Electricity: 2000 Water: 200-300 Parking: 3000 Monthly Amenities: 3500 (+1500 tax every quarter) Food: 8000 (2 pax) Partida nito wala ako sa expensive cities like bgc, makati, and pasig. Its perfect for people who want peace but will burn your pocket lol

[@OwnPropertyPH]

Thank you for sharing your condo living expenses 😊 Do you do your laundry in your condo? Medyo pricey kasi yung water bill mo compared sa min. And how many sqm is your condo? 😊

[@jeannep.3405]

Thanks! This is very informative.

[@victorywithluisa]

Thank you, sobrang valuable ng video and informative since im planning to rent in a condo… :) BTW 10% for tithes

[@OwnPropertyPH]

I just shared the 50/20/30 rule so it’s applicable to everyone but I do tithes. So what I actually use is 40/30/20/10. 40% for living expenses, 30% for investment, 20% savings, and 10% for tithes 😊

[@hallerjennifer]

Ang galing mo po. Very informative. Thanks po for sharing.

[@manama__]

Really helpful content. Suggestiions lang po. Wag niyo na lagyan ng transition an zoom in/out yung sa captions niyo. Masakit po sa mata.

[@treblan1]

Omg! I'm planning to invest in condo sana or prop outside metro but hearing condo dues ang laking possible expenses na madadagdag pala..lalo na keeping on tight budget ako..I think will continue renting muna.🤔🤔 here is my current expense renting below..working ako in BGC mismo but transpo is good may BGC bus from ayala station to BGC and ayala lrt to cubao. Myplace: Q.C near camp crami, edsa/no traffic/no squatter Rent: 5, 500/month ,1pax but can be shared Electric: 1,400 max w/ 1hp aircon Water: 80-150 Other dues: 0/none Amenities:none Type: low rise condo/5th flr only/ studio type/ 2rooms per floor/peaceful Security: no guard but double gated/ main gate & bldg.gate/other slice of bldg is private own appartment naman./no crowd & very rare magkita ng other tenant. Thanks for sharing this info.

[@OwnPropertyPH]

Thank you for sharing this information as well 😊 This will help those who want to move out of their parent's house or those who plan to move to Metro Manila in order to be near their workplace.

[@jafangeles]

Thanks for the well outlined content. Really clear. I'm curious about your comment on your internet service provider. By any chance did you get a Greenfield property also? I was told that they're now open to other ISPs when I put a reservation on my unit in May'21.

[@OwnPropertyPH]

Yes, I’m staying in a Greenfield property 😊 They usually just say that but even after all the discussion and the present case against them, the PMO just says that other ISPs don’t want to enter since they won’t profit from it. So up to now, Leopard is the only ISP. I refuse to avail their service because of their exorbitant fees 😆

[@jafangeles]

Wow. That’s disappointing to hear.

[@jafangeles]

Not sure of this helps. But I just checked the PLDT website. Looks like they are servicing twin oaks. I’m calling them to confirm if they can really service greenfield now. (Naging deal breaker pa talaga yung internet. Haha!)

[@OwnPropertyPH]

@@jafangeles My husband works in the IT industry, he is used to 100 mbps in his home and he works from home so internet connection is very important to us. So he already tried almost everything just to be able to get another ISP including the Globe at Home Air Fiber 5G and the NOW Fiber Air. So for the PLDT website, it says that they service the area but we already finished applying and in the end, PLDT just called and emailed us that they don’t service our building 😆 We’ll know right away if there are already other ISPs since we’re a member of the owner’s group (the condo owners discuss there of this persisting problem) apart from the group made by the property management office 😊 Let us know if your application went through. We’ll be glad to be proved wrong since we want to avail PLDT’s service 😁

[@OwnPropertyPH]

@Aldwin Angeles Hello again, we tried re-applying again because of what you said and this is the reply of PLDT to us. "Thank you for choosing PLDT. We are happy to process your application made through our website. However, we don't have an available Fiber facility in your area as of the moment. Please note that we'll be taking note of your request. You may re-apply after 1-2 months. Thank you very much and we look forward to serving you!" It's frustrating that there is still no other ISP up to now 😅

[@kindofadulting]

Congratulations po on getting married! Ang daming new knowledge as always. Thank you po! May I know what AC you use and ilang HP po? Grabe that Meralco bill! Sana all! Haha

[@OwnPropertyPH]

Salamat po 😊 Nasagot ko na po itong question niyo doon sa isa niyo pang comment ha kaya di ko na sagutin. Dagdagan ko lng po na studio unit lng ang condo namin so isa lng aircon na kailangan at hindi kailangan ng malaking HP po kaya hindi ganun kamahal.

[@lermadonnachie735]

Watch the whole video. Very detailed ang explanation niya po.

[@yourbeys_]

Ghad this helps a lot. Thank you soooooooooo much buti i pako nakakuha.

[@OwnPropertyPH]

Glad that this helped you 😊

[@willbill12345]

Congratulations, very thorougly explained.

[@OwnPropertyPH]

Thank you so much 😊

[@rachelgr33n]

Hello! Any opinions on City&Land Developers who handles one taft residences? Im planning to purchase a condo from them and I’m currently overseas. Ty!

[@OwnPropertyPH]

Hello po, I know City Land. However, I regret to inform you that I currently don’t have the luxury of time to analyze the project and give my opinion due to the high number of queries and bulk of work that I have. Kindly stay tuned for my future videos that will help you in your decision making 😊

[@workthentravel]

Totoo, location din talaga nagpapamahal ng rent. Renting close to Ayala Ave vs renting in pasong tamo 15K lang rent for a 2BR condo. Kaya di din kami nag AC kasi takot sa bill. LOL. As for the amenities din, ni isang beses di kami nag swim ever sa pool so it's really wise to choose a building na wala masyadong amenities. Good video, btw.

[@OwnPropertyPH]

And thank you for sharing your condo living experience po 😊

[@anthonynash8857]

Hi, ma'am. Meroon na din pong condos ngayon na prepaid ang water and electricity. Iyong may card po na tina-tap. :)

[@OwnPropertyPH]

True 😊 na-experience ko yung prepaid water before nung nag-rent ako ng condo

[@markcyrey9095]

Yung rent to own Condo naman sana maam? Mga additional fees and advantage and disadvantage about rent to own condo? Ano mas better rent to own or house and lot? Thank you po

[@OwnPropertyPH]

Meron po akong video rito sa channel na dndiscuss ang rent to own po 😊

[@DibIrken]

Just want to ask if you are still prohibited from using a different Internet Service Provider since I plan to buy a condo in the same place. Thank you

[@OwnPropertyPH]

Hi, there is another internet service provider available but it’s RED Fiber. If you are planning to buy a condo here, I can assist you as I’m actually a licensed real estate broker accredited with Greenfield Development Corporation. You may reach me at [e-mail] 😊

[@baldgagits2107]

I've always wanted to live in a condo but I work freelance so it might be hard and might take some time too

[@OwnPropertyPH]

You can try renting first to see if it’s for you and if you work from home, you can rent a condo located outside of Metro Manila so the rental price is cheaper 😊

[@azazzelx]

very informative....might be useful for me later once I'm done playing with financial market...

[@noellakbay]

Nice video. But I was hoping you could tell how much was the condo rent. That was the single most important question I had that’s why I clicked on your video. Thanks.

[@OwnPropertyPH]

We're not renting our condo 😊 And condominium rent varies on the location, the floor area, and the number of rooms. At times, if the layout is really nice, it's also more expensive to rent. It's better for condominium rent topic to be done in another video.

[@grevhenquinton1985]

16 pa lang ako pero bat interesado at ang saya ko pag nanonood ng mga ganton vid 😭 is this tita thingz?😭

[@OwnPropertyPH]

not necessarily 😊 nakakapag-prepare ka in advance in case gusto mong tumira sa condo 😀

[@Mio_Chan_Akiyama]

Thank you, very informative and intelligent tips, thumbs up din sa delivery walang arte-arte

[@OwnPropertyPH]

Thank you very much 😊💕

[@haroldvergara7100]

This is in Twinoaks right? I look forward to that 2k electricity bill

[@OwnPropertyPH]

Yes, it’s Twin Oaks 😊 However, it would still depend on the size of your unit as well as your appliances 😁

[@shoeesss8161]

Dito sa barcelona 300-500 pesos lang ang internet dito 35-50 mbps. Sobrang abuso ng mga telco sa pilipinas!

[@OwnPropertyPH]

Actually hindi natin masisi yung mga telco po. Imbes na support matanggap, kailangan pa nilang maglagay. In other countries, their governments invest in core network infrastructure that enabled private companies to roll out faster 😬

[@shoeesss8161]

@@OwnPropertyPH i agree, ang pinaka malaking lagay ay napupunta sa mga NPA at leftist otherwise they will implode the signal towers. At this is also a matter of monopolising the market. Kelan lang naman sila na threaten nung nag sabi ang govt that there will be another telco player kaya nag improve ang speed sa pilipinas.

[@j.r.6517]

Very Informative ❤

[@valacebedo]

Hello Mam, sana may cost breakdown nung mga namention mo para macompute yung estimated monthly expense. Thanks

[@OwnPropertyPH]

Hi, ma’m, hindi ko alam kung anung breakdown pa po yung need 😁 Need m po yung breakdown pa ng kuryente and water po? Kaso iba’t iba tayong lahat na gamit na appliance 😊

[@NognogIntheCityVlogs]

Very helpful! Dahil dito wala na sa option ko mag condo. Lol

[@OwnPropertyPH]

😆😊 Yes, condo living is truly not for everyone 😊

[@binjanfernandez]

Very informative po yong content nyo, thanks!

[@OwnPropertyPH]

Thank you so much po 😊💕

[@systemvariablemultisalesco993]

Sinubukan mo na sukatin floor area ng condo na nabili nyo po? try mo lang. external Area=Length x width kung tama approx.. Kc yung avida ko 25sqm pero actual 17sqm lang. Let me know pls. Tnxs

[@OwnPropertyPH]

Sobrang laki po ng discrepancy na 8 sq m. Malaking difference in price na po kapag ganyan. Chineck ko po yung floor plan nung interior designer for our unit. Based sa sukat niya po, 29.26 sq m lng pala unit namin 😅 May discrepancy na 1.99 sq m po.

[@Iver_tu]

Hi ma'am, thanks po sa insights. I've been living here in metro for almost 5 years renting an apartment (5k per month) now I am thinking on investing even a affordable rent to own condo, thinking could save time from commuting and rent. For someone like me lives alone and earns between 20-25k a month, could I be able to afford a condo with the cost of living?

[@OwnPropertyPH]

Hi, if you’re buying a condo, you need a monthly income of at least P 35,000 for affordable condo like Urban Deca Homes. So if you want to be able to own a condo, you’ll need a co-owner.

[@JA08Jm7]

This is nice. Pero andami pala talagang need iconsider. Plano ko na sana magrent to own ng condo sa Manila tho wfh naman kami. I experienced living in a condo in Manda but, it's not a great experience. The condo's location is great pero the building and the rooms, no. Mga 3 years siguro ako dun. Condo sharing with friends.

[@OwnPropertyPH]

Thank you for sharing 😊 What building is that?

[@JA08Jm7]

@@OwnPropertyPH GA Tower po. Old building na kasi sya kaya siguro ganun.

[@camerongarcia3128]

Okay that's fine and good; pero what if you are a Filipino american age 71 with a wife who is 70, and afte discussing the pros and cons decide to live in the Philippines, since you still have relatives living there. So if you sell your bahay here in the States, and the sale of your home is in the states for around $500,000.00 (USD) which equates to around PHP 25,560 million pesos, and you decide to buy a condo for around PHP 7 million Pesos, besides the sale of the condo, what else would an American expat have to worry about? NO, I am not deciding to live in the Philippines, just looking for common answers...Salamat

[@OwnPropertyPH]

After buying the condominium, the following are what you have to worry about: • Condominium association dues • Annual real property tax • Maintenance (grease trap cleaning, air conditioner cleaning, etc.) • Special assessment (an additional charge that condominium owners are required to pay on top of their regular monthly maintenance fees; if condominium is new, it would take a while before you’ll pay this) That might cost you P 4,000 to P 6,000/ month. It’s a range since the association dues depend on the size of your unit and how much the admin charges per sqm plus when you would have your grease trap cleaned. If you add groceries and utilities, estimated total would be P 14,000 to P 18,000 per month 😊

[@miguelbulanadi5711]

Hi! Ano pong tingin niyong mangyayari sa mga price ng condo after 10 years? Tatataas ba, bababa, or both?

[@OwnPropertyPH]

Hi, it depends po sa management nung condo bldg. and the location. Kapag okay ang management at maganda ang location, tataas po ang value 😊

[@moriel01]

*_And depende din sa traffic sa area. Like yung SMDC Chateau Elysse sa Taguig, bumababa ang presyo ng units kasi lalong nagtatraffic sa area kahit anong oras._*

[@maryanntormon9390]

i love your content

[@OwnPropertyPH]

Thank you for loving my content 😊

[@izabelapetran9235]

medyo expensive talaga ang condo living but still some people opt to live in a condo for convenience. Tulad nga sabi mo mas malapit sa work place ng husband mo. Mahirap mgtravel everyday nakaka burn out.

[@OwnPropertyPH]

Totoo po. Ngayon pumapasok na sa office yung husband ko at talagang masaya rin husband ko sa condo kasi dati 3 hours bago po siya makauwi sa bahay on a normal day at mas matagal pa po kapag may Christmas rush 😊

[@meditatesleepandtravel8795]

Hi would you know monthly dues for new dmci condo like orabella.

[@OwnPropertyPH]

Hello, sorry, ma'm, I currently don't know how much the monthly dues are for Orabella

[@dinoanmail]

great video, great data points, courteous

[@OwnPropertyPH]

Thank you 😊

[@frozenrose1531]

super helpful! thank you so much

[@OwnPropertyPH]

Welcome 😊

[@alkaiserkain]

Yeah those expenses need to at least have a paygrade of more or less 60k per month.. Nope not livable. Thanks though. I was about to get a condo unit but because of this, ill get a rowhouse instead. To the content -creator's credit, they are only living as a couple. I, on the other hand, have two teenagers, one going to college and another going to k12 so add the tuition fee and school expenses to their calculation. So basically, if I am not earning at least 100k per month, a condo is not for me unfortunately. The other maddening thing would be the other payments needed. I can understand the amilyar for my property but for hallways and common areas? The salary of workers in the condo? Monthly dues? Tsk, preposterous. All i need to pay is the condo and the utilities (water, electricity, internet) and amilyar. I should not be forced to pay for anything else that should be free.

[@OwnPropertyPH]

Hi, I’m happy to share that our expenses outweigh the benefits it brings us. Ever since we have lived here and it’s in a strategic location, we are able to increase our income by at least 30%. My husband got promoted and I got to simultaneously get a degree while working 😊 Also, since they already have a hybrid work arrangement, he doesn’t need to be stuck in traffic just to get to work. Considering that you find our expenses to be expensive and you have teenagers, a condominium unit won’t really fit you. It will be too expensive more so that teenagers needs their own rooms. So I’m glad that this help you consider a row house instead. As for the condominium association dues, it is not preposterous. No one is forced to pay it since before we purchase, we are supposedly informed that association dues are part of condominium ownership. And by purchasing a condominium, we agree to contribute for the operational expenses of the building. If it’s free, I doubt there would be people who will keep the common areas and hallways clean. There won’t be proper disposal of trash and there won’t be security guards that keep the building secured. Additionally, the value of the building would depreciate and it would difficult for us to resell later when we upgrade our residence. P.S. I’ve personally been to a condominium building that wasn’t properly maintained, and it felt unsafe to live there.

[@alkaiserkain]

@@OwnPropertyPH I would only maintain my property, not anyone else's. I mean, these dues are only additional burden. I would place additional safeguards to my unit if need be. Congratulations on the promotion. I have recently been promoted as well but the additional pay is so minimal so it is still not comparable. In any case, I only choose jobs with wfh arrangements so traffic is no problem with me. I don't even go out of the house except when buying groceries and food and the mall is walking distance from where I live so its fine. Its also important to note that when finding a house, finding one in a strategic location helps as well. Again, thank you for your video as it helped me avoid the payments that I abhor to make.

[@OwnPropertyPH]

@@alkaiserkain It’s not anyone else’s since we are also part owner of the common areas and the land where the building is situated on. You’re welcome po 😊 The main goal for making the video is to be able to help Filipinos assess if condo living is for them or not.

[@donnettemorns2786]

Great content!

[@OwnPropertyPH]

Thank you 😊💕

[@EdPal]

i lived in a condo before, there's a distinct smell sa mga condo sa mga hallways na ayaw ko. i dont know how to explain.

[@OwnPropertyPH]

Baka sa condo na tinirhan mo before, hindi maayos yung air ventilation? Yun yung napansin ko doon sa mga lumang condo at yung walang vents o breezeways sa parehong side ng building. It really depends sa condo 😊

[@TheRonron1994]

Question. I'm thinking of buying a condo unit kaso may plan din ako magMigrate sa ibang bansa like let say by 2023. With that said, ideal pa rin bang bumili ng condo? Kapag natuloy kasi ako magMigrate sa ibang bansa, either ibebenta ko siya or ipapaRent ko na lang. Problem ko is ang hassle if ipapaRent ko pa kasi need kong asikasuhin while nasa ibang bansa nako. Kapag binenta ko naman, baka nakapagMigrate nako d ko pa rin nabenta yung condo. Would you recommend to rent a condo unit na lang? I want to experience din kasi living on my own and probably the same if makalipat nako ng Australia.

[@OwnPropertyPH]

I recommend renting 😊 I actually have a video discussing renting and buying and it might help you. However, if you're really dead set though on having a real estate property as investment then you can live and then rent it out but make sure that the property you are purchasing has a management who can do leasing for you or you have a trusted real estate broker or real estate brokerage firm who can help you manage the property.

[@lermadonnachie735]

@@OwnPropertyPH tanong ko lang, kung may condo ka, dapat bang ipa property manage kahit na may relative kang mag-aasikaso sa condo. I would appreciate an early reply. Thank you. New subscriber here.

[@camerongarcia3128]

Questions.... Do you have to pay property tax, or is that also included in the sale of the Condo? if you decide to buy a condo?

[@OwnPropertyPH]

You have to pay real property tax annually for your condominium unit once you already own the unit (the tax declaration is already under your name). Meanwhile, for the real property tax of the common areas, it’s usually included in the condominium association dues or sometimes charged in special assessments if the real property tax to be paid increased 😊

[@rowenacacnio8403]

Very informative Sis thanks for sharing

[@OwnPropertyPH]

Thank you sis 😊💕

[@scrambler008]

Nice video pero mas maganda kung may tex animation ng breakdown expenses on the side para makita yung mga numbers and total costs.

[@OwnPropertyPH]

I didn't do that po kasi i-assume ng iba na ganun din yung magiging expenses nila. Hindi parepareho yung expenses kasi depende sa market classification ng condominium (e.g. low cost, mid-income or luxury), location pati na rin ang lifestyle 😊

[@ryansalvagon202]

luv it!!! keep it up

[@OwnPropertyPH]

Thank you 😊

[@libbydelacruz7156]

very detailed. thanks for sharing

[@OwnPropertyPH]

Welcome 😊

[@PambansangTrader]

very informative!

[@francismaeestelendres4178]

Thank you for sharing mam

[@egaiven9876]

Thanks.

[@danieljr.galarion7956]

your so beautiful and simplistic po ate ang cute mo po

[@OwnPropertyPH]

Ay… 😆 sana marami po kayong natutunan sa video 😊

[@MrArvin0306]

kaya hindi talaga pwedeng kabitn ng fiber connection ang condo for a certain unit, just imagine kung halimbawa nasa taas ka ang haba ng fiber optic cable na ikakabit at tsaka saan naman nila padadaanin yung cable papuntang unit mo ahaha

[@kyledelrosario2081]

thank you for this

[@nidaguantero2500]

Thanjs first sharing info

[@chronolynx360]

In Canada, I make $14.79 per hour minimum of 20 hours four Times a week. It's like my work starts from 3 pm to 8 pm. We get paid by weekly. I suggest you should move here in Canada. Next year, Toronto is gonna increase minimum wage $15.00.

[@robocop581]

LOL. Good luck buying a place let alone renting in Toronto on minimum wage.

[@chronolynx360]

@@robocop581 I don't buy condo, I already owned a house.

[@chronolynx360]

@@robocop581 I came in Canada when I was 9 years 1998. I've been here for 23 long years!

[@Boxer8998]

Hahaha low wage you need to upgrade your skills for you to earn a decent wage.

[@robocop581]

@@chronolynx360 You must be really mentally lazy earning minimum wage after 23 years. Time to upgrade your skills, you won't earn enough to retire.

[@raqueldelacruz5248]

super helpful ng vlog, thankyou.

[@OwnPropertyPH]

Thank you for letting me know that you found it super helpful 😊 It encourages me to make more videos 💕