25/10/2026
🏡 “Bakit may nagsasabi na magastos at mahirap ang bumili ng bahay?”
Madalas nating marinig:
“Ang hirap magkabahay, magastos!”
“Mas okay pa ang mag-rent, wala kang masyadong problema.”
“Simula nung bumili kami ng bahay, parang puro mortgage na lang ang binabayaran namin.”
But here’s something I want every aspiring homeowner to understand:
Hindi ang pagbili ng bahay ang laging problema. Minsan, ang problema ay ang pagbili ng bahay na hindi akma sa financial capacity natin.
💚 Just because the bank can lend you a certain amount doesn’t mean you have to borrow the maximum.
For example, kung qualified kang umutang ng $800,000, it doesn’t automatically mean na kailangan mong bumili ng bahay na aabot sa maximum borrowing capacity mo.
Remember, owning a home comes with responsibilities beyond your mortgage repayments.
🏡 Council rates
🏡 House insurance
🏡 Maintenance and unexpected repairs
🏡 Utilities and other household expenses
🏡 Changes in interest rates
At siyempre, nandiyan pa rin ang everyday expenses — groceries, school expenses, family needs, savings, at emergency funds.
Your home should give your family security and peace of mind, not constant financial pressure.
💚 That’s why having a good Mortgage Adviser matters.
As your Mortgage Adviser, my job is not simply to help you get the biggest loan possible or secure a bank approval.
My responsibility is to help you understand:
✅ How much you can realistically afford
✅ How much your mortgage repayments could be
✅ Which lender and loan structure may suit your circumstances
✅ How interest rate changes could affect your budget
✅ How to prepare for the additional costs of homeownership
✅ How to make informed decisions without unnecessarily stretching your finances
Ang goal natin ay hindi lang makabili ka ng bahay. Ang goal natin ay kaya mong panindigan at ma-enjoy ang bahay na binili mo.
Because what’s the point of owning a beautiful house if every payday you’re constantly worried about how to pay the mortgage?
Buying your first home should be a blessing, not a financial burden.
And sometimes, choosing a smaller, more affordable home today is a wiser decision than buying your dream home and struggling financially tomorrow.
Remember: You don’t need the most expensive house you can qualify for. You need a home that fits your budget, supports your goals, and allows your family to live comfortably.
🏡 Buy within your means. Borrow wisely. Plan for the future.
At MFINITY, we don’t just help you buy a house. We help you make informed financial decisions so you can build a more secure future for your family.
💚 MFINITY – Guiding You Towards Financial Freedom.
Merlou Legano | Financial Adviser
Home Loans • Insurance • KiwiSaver
FSP761613 | 027 247 1700
Lending is subject to lender criteria, affordability assessment, and approval.
