Mae Gemino- Urban Deca Homes Ortigas

RENT-TO-OWN Condo sa Ortigas? 🏙️

Ano nga ba ang rent-to-own?

Simple lang 💡
Instead na full downpayment agad, you can move in while paying monthly — parang nagre-rent ka, pero may chance kang ma-own yung unit after the term.

Hindi ka lang nagbabayad…
nag-iipon ka ng property under your name.

✨ Benefits of Rent-to-Own:
✔ Lower initial cash out
✔ Move-in ready (Ready for Occupancy)
✔ Flexible payment terms
✔ Pwede tirahan or parentahan
✔ Mas madaling entry point sa property investment

Now imagine this…

📍 Prime location like Ortigas
— Malapit sa offices
— Walking distance to malls
— Accessible sa major roads
— Mataas ang rental demand

Anong impact?

💰 Higher property value appreciation
💼 Strong rental income potential
🚀 Mas mabilis ang ROI
🔒 Long-term security for you and your family

Hindi lang ito condo.
It’s positioning yourself sa tamang lugar habang maaga pa.

If you want details on how to start with as low as ₱10,000 reservation fee —
📩 Message me.
Let’s schedule your site viewing.

— Mae Gemino
Real Estate | Leadership | Women Empowerment ✨

A woman can be whoever she chooses to be.
She is not an object to be judged —
she is a force to be respected.

Stop objectifying women.
See their strength. See their substance.

In families, she shapes values.
In communities, she inspires change.
In business, she creates opportunities.
In leadership, she sets the standard.

Women do not lead with noise.
They lead with vision.
With empathy.
With courage.

The role of a woman in society is not small.
It is foundational.

And in business, when a woman steps into leadership,
she doesn’t just grow profit —
she grows people.

We are not here to fit into spaces.
We are here to elevate them.

— Mae Gemino

🔍 How to Know if Your Income Is Qualified for a Home Loan Amortization

Para malaman mo kung pasok ba ang income mo sa monthly amortization ng housing loan (Pag-IBIG, bank, or in-house), may dalawang main rules na tinitingnan:

⸻

✅ 1. The 30%-40% Rule (Capacity to Pay)

Banks and Pag-IBIG usually allow you to use up to 30%-40% of your monthly gross income for your housing loan.

Formula:
Monthly Income × 30% = Maximum allowable amortization

Example:
If your income = ₱30,000/month
Your max amortization = ₱9,000/month

Kung lumagpas dito, malaki ang chance ma-decline.

⸻

✅ 2. Income vs. Loan Multiplier

Lenders also check kung enough ba ang income to support the total loan amount.

Typical guides:
• Pag-IBIG: Pasok basta swak sa Net-To-Pay at 30% rule
• Bank: Usually computes using projected amortization & debt-to-income ratio
• In-house: Mas flexible pero mas mataas interest

⸻

✅ 3. Check the Monthly Amortization vs. Income (Actual Test)

This is the most practical way:

👉 If the monthly amortization is
MORE than 30–40% of your income → likely not qualified
WITHIN 25–30% → good
Below 25% → safe & strong

⸻

🔢 Quick Qualification Chart

If your income is:
• ₱20,000 → safe amortization: ₱5,000–₱6,000
• ₱30,000 → ₱7,000–₱9,000
• ₱40,000 → ₱10,000–₱12,000
• ₱50,000 → ₱12,000–₱15,000
• ₱60,000 → ₱15,000–₱18,000

⸻

✅ 4. May Existing Loans?

If may:
• Credit card balances
• Motorcycle / car loan
• Personal loan
• Online loans

Lenders deduct that from your capacity.
Mas mataas utang = mas bababa approval chance.

⸻

📝 5. Stability of Income

Pag-IBIG & banks also check:
• Job tenure
• Contract type (Regular > Probationary > Project-based)
• Remittances for OFWs
• Business income proof

Mas stable = mas mataas chance ma-approve.

⸻

💡 Bottom Line

If the amortization fits within 30% -40% of your income, and your job/finances are stable — you’re likely qualified.

Invest while you’re EARNING and YOUNG. ✨

Building wealth through real estate isn’t luck —
it’s strategy. And it’s what wealthy people do.

You can start using your Pag-IBIG
with just ₱10,000 cash-out. ✅

Don’t wait until “ready” ka.
Start where you are.

📩 Message me “READY” to get the full details and sample computation.