Find the Home for you


  • January 2, 2020
  • News

The Filipino dream is one of homeownership.

Most Filipinos dream of owning a home. It’s hardwired in our brain, ingrained in our culture.

Unfortunately, things beyond our control get in the way, putting the realization of that dream to a halt.

When asked “Bakit wala ka pang sariling bahay?” through an informal survey of families, friends, and colleagues the respondents gave these answers.

Overwhelmed by responses, these are the most common answers to the question. Sa true lang, it’s not always about money.

We Filipinos love our family setup. 

And yes, some are lucky to have parents who previously invested in their own house and lot thinking of it as an inheritance. Sila na talaga ang sobrang advanced mag-isip.

Sons/daughters who will inherit the place are luckier, though.

“Nakatira pa ako sa parents ko.”

“Nakatira pa ako sa parents ko, and I have no plans of finding a rental. Ayaw din naman nila na umalis ako ng bahay.”

“No need to buy a house since sa akin din mapupunta ang bahay nila Mama at Papa. Pero matagal pa ‘yun at ayoko pang mangyari.

Ever-resilient as we are, the Filipino people do not only know how to make ends meet. We also passionate about sacrificing for our loved ones even if it means going abroad to work and save enough money to build their dream home.

A well-loved Filipino trait is putting the good of others first before that of ourselves.

“Ang priority ko right now is makatulong muna sa parents ko then, saka na po ako.

“Pagtatapusin ko muna yung kapatid ko bago ako magplan sa buhay.”

“Kailangang unahin ang mga pang-araw-araw na gastusin.”

“Gustong-gusto ko nang magkaron ng sariling bahay—yung akin talaga. Pero I don’t have enough money. I still need to support my family financially kaya hindi rin makaipon.”

“OFW muna para makaipon.”

Money, time, and financial resources are not an issue to some. However, they do not find the need to own a house at this point.

“I usually travel for work—sa buong Pilipinas and abroad. So hindi ko pa talaga need magstay sa isang lugar.”

“Hindi pa ako sure kung saan plano mag-settle.”

Filipinos are often the jokesters also, finding humor in everything.

It only shows how we draw a positive outlook in life despite the harsh realities associated with buying a house and lot in the Philippines.

“Mayaman na ako—wala lang akong pera [na pambili ng bahay.”

Some of us have preconceived notions about owning a house.

“Masyadong expensive na investment ang pagkakaroon ng bahay. And as long as binabayaran ko pa ‘to, hindi ko pa siya asset—it is still my liability. I’ll focus on small investments muna, for example, may insurance ako.”  

Of course, some Filipinos are considering their options. And the millennials are leaning towards owning a condo instead, if not a house and lot.

“Bakit wala pa akong sariling bahay? I’m poor and the houses are expensive. Besides, I want a condo.”


Some people have already given up because of excessive bureaucracy (aka red tape) in the Philippines.

“Masyadong maraming issues pagdating sa pagbili ng lupa sa Pilipinas.”

“Noong panahon ng mga magulang natin, mas mura ang mga bahay at lupa. Kaya mas madaling makabili ng sariling bahay. Hindi na tulad ngayon. And I think that’s sad.”

Then there are the classic lack-of-finances responses.

We all have different reasons why we cannot commit to a big-ticket purchase like a house and lot just yet.

“Walang pambili ng bahay.”

“Hindi pa kayang bumili.”

“Kapos pa sa budget.

“Walang ipon.”

“Wala pa akong kakayahang bumili ng bahay dahil wala pa akong ipon at maliit lang ang sweldo ko.”

That does not mean that they are giving up their dreams, however. They are still hopeful that, with hard work, they can still pursue owning a house.

“Nag-iipon pa ng pambili.”

“Pinag-iipunan pa.”

“Hindi pa sapat ang pambili at pampatayo ng bahay.”

Of course, one has to cover all the bases. Otherwise, it will be a financial disaster waiting to happen.

“Nag-iipon pa ng pampatayo ng bahay. Hindi biro ang gagastusin sa pagpapatayo ng bahay—permit, pampakabit ng kuryente at tubig (at iba pang utilities). I-plus mo pa yung labor. 

On that note, let me say that nothing is as hopeful as

“Sa tamang panahon…”