The flowers in the vase that you bought today

pag bibili ka ng bahay dito sa america, kadalasan ay uutang ka ng pera. bihira lang naman kasi ang mga tao rito na tulad ng mga ibang government officials natin sa pilipinas na nagbabayad ng cash pag bumibili ng property dito sa california. but i digress.

para makautang ka ng perang pambili ng bahay, dapat ay may dati ka nang utang. weird logic, ‘no? gusto kasing makita ng mga nagpapautang dito na una, mayroon kang utang, at ikalawa, ibidinsya (bisaya kasi ako) na kaya mo itong bayaran.

eh pano pag wala kang utang?

good question, gentle reader. pag wala kang utang, walang magpapautang kaya ang advice ko ay pumunta ka na lang sa grocery at bumili ng bahay ng posporo.

22 thoughts on “The flowers in the vase that you bought today

  1. at pag malaki naman ang dating utang mo at natanto nilang hirap kang magbayad, pauutangin ka pa rin nila pero mas malaki na ang interes ng pautang sa ‘yo. again, where is the logic?

  2. makibaboy – huwag matakot! credit history. wala akong credit pero marami namang history.

    oo nga boss CBS, napanood ko sa mga commmercial: pag wala kang pambayad sa utang, may magpapautang sa iyo para mabayaran mo ang utang mo. utang ng inang yan talaga.

    sino si dave ramsey?

    hey gilbert – mas gusto ko nga yung “olivensa” brand. buhay pa ba ito? may posporo pa rin bang tinitinda sa pilipinas?

  3. Grabe..hirap din pla magkahouse and lot jan…I’m on the same predicament..we applied for a house and lot loan for 1.5M…kso 800k lang ang naapproved kse yun lang daw ang value ng house and lot..which is funny for a 2 storey 4 bedroom 125sq F.A house. Anyway, I hope di kmi habang buhay magrerent….or else..sa posporo nlang kami titira…waaahhhh!!!

  4. In 1983, after getting tired of renting, I approached a pinoy realtor & told him I could only afford $500/month but would like to purchase a home. After the disbelief look on his face he accepted my challenge. In 3 weeks he showed me a “rundown” duplex with instructions that with “sweat” equity, I could rent out one unit and live in the other one.

    Having a rental unit allowed us to qualify for the loan. Otherwise, we’d still be renters at this time. The rental made our mortgage affordable and our pocket share stayed at $500/month.

    Paminsan-minsan, kailangan magisip sa labas ng kahon.

  5. may mga ganyang schemes narin sa pilipinas para sa credit card, aakuin nila ‘yung utang mo sa ibang banko pero mas mataas ang rate. kala mo mas nakakahinga ka pero ang totoo mas lumulubog ang paa mo sa hukay.

    mga utang na nila.. full tank na ninyo.. hehehe

  6. Buti pa dito sa Singapore hindi mo kelangan may credit history basta may pera ka sa CPF(Provident Fund) pwede ka ng umutang 5% lang ng property ng idodown mo.

  7. pareho dito sa UK… Actually when I got here walang mag-allow sa akin na mag-open ng account so paano ko suswelduhan ng company namin? The HR called up the company bank (Barclays) to ask them to “allow” me an account & a credit card.

    The advise given to me was use the credit card asap to bulk up my zero credit rating. By the end of the year, limang lender pa ang may letters sa akin offering pre-approved cards & loans. And Barclays? They keep on increasing my credit limit without being asked. I think bawal na ngayon ito, because I letters saying I have this-much pre-approved credit limit if I want it.

    BTW big deal this morning yung meeting ng finance heads ng US about the mortgage problems ah.

  8. ganyan din ginawa sa akin. our company opened a credit card for me and arranged for our apartment. when we arrived here, i didn’t even have a social security number. ang daming mga complications – it was really tough during our first year and would have been impossible if my company didn’t help us.

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