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Repost to mga kabarrio mula sa palasyo para naman sa mga nag-babalak na ibahay na ako sa Manila.

Think about this. Dati, there’s about 10% of the Philippine population outside of the country nag-ta-trabaho. Ngayon? Mas marami pa! Wala kasing lecheng trabaho saten noh? As usual, the ritual goes na we all send money back home, konting ipon and hope na makabili tayo nang palasyo. But, let’s admit it. Mahirap. We not only have to deal with the high cost of living kung saan mang lupalop tayo naka-base to work, some of us have expensive ~ eherrrrm~ maintenance expenses. Hehehe!

And real estate is getting to be expensive in Manila. Dati makakabili ka nang matinong condominium unit nang less than P1 million. I’m sure meron pa, pero you have to bring your own gripo.

But today, I was reading Malaya and I thought I’d share you etong marketing strategy nang Ayala Land. It’s interesting and it’s worth taking a look. Bottom line is that – they want you to buy homes or condos from them. To make it easier for you, they are offering a “Home Starter Bonds”. Actually, kahit na hindi ka OFW, I think affordable ang P5k sa mga tiga-Manila. Korak?

Of course dahil they are paying interest dun sa deposits mo, I guess tama lang na tawaging “Bonds”, otherwise, if you think about it, para syang “Lay-away” kung familiar ka sa mga lay-away financing plan sa Amerika for consumer goods. Ang difference is that, you don’t earn interest dun sa monthly deposit mo sa store – not the bank.

Now, I’m no Ayala employee. Well, I hope they hire me. Available ako. But let me explain what they’re doing.

Babalik tayo sa accounting or finance terminology na “Bonds”. Wala syang kinalaman ki James Bond. “Bonds” are just some high-falutin words for “Utang”, ganun lang. Typically, bibilhin mo ang “bonds” na to and then you will get a piece of paper na sasabihing pakatapos let’s say nang 5 years, makakatanggap ka nang ganitong amount sa ganitong interest rate.

Ok. Getz ba yan? Ituro nyo ki Osang. Baka yan yung dinuro sya nung titser nya. Nyahaha!

Anyway… halimbawa balak mong bumili nang balay in some future time na ma-meet mo ako, dahil nga ibabahay mo na ako – pwede kang mag pre-pay nang units sa Ayala Land Apartments through their “Home Starter Bonds”.

How? By making regular monthly deposits of P5,000 sa Bank of the Philipine Islands. Now, yang deposit mo nay an will earn 5% annual interest which an sabi nila, nearly 3 times daw what a regular deposit earns. O, di wagi ka di ba? Wagi rin ang bangko because they have the funds to roll around para kumita din sila. I would guess, gagamitin to nang Ayala to build housing products. In effect, pina-pautang mo actually ang Ayala by that P5,000 a month deposit.

Heto ang sabi ni Anthony Aquino, president of Ayala Land:

The “Home Starter Bonds” is Ayala’s way of helping the middle income group acquire homes at the least pain. In five years, the depositor would have accumulated P300,000, the five percent interest not included. This amount is around 50 percent of the price of its middle class apartments that sell for P600,000 to P1 million, the discount not included. (Source: Malaya)

Now, dahil hindi pa ako hina-hire ni Mr. Anthony Aquino, I’m sure you can find out about their programs sa kanila sa Ayala Land or sa Bank of the Philippine Islands.

Actually, update ko na lang to mga kabarrio with the how’s and the where.

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reynz is one Uragon and a Filipino-American, has many years of public accounting & auditing, broadcast investments, housing tax credits and equity investments as his background. Based in the US, he maintains his personal and humor blog at reyna elena dot com. A graduate of Aquinas U, he went to GWU and Temple U in the United States.