HOW TO BUY YOUR FIRST PROPERTY IN YOUR 20s, 30s & 40s | CASH, BANK, PAG-IBIG | Philippines 2026

I BOUGHT MY FIRST PROPERTY AT 22! 🏠 Yes, 22 years old. And no, I didn't have millions sitting in my bank account. 😂 So if you're wondering: “Kaya ko ba bumili ng property in my 20s?” “How much income do I need?” “Cash ba, Bank Loan, or Pag-IBIG?” “Magkano dapat ang down payment?” “How much can I actually afford?” This video is for you! As a Gen Z accountant, I wanted to break down how to buy your first property in the Philippines in the simplest way possible, whether you're earning ₱20K, ₱30K, ₱50K, ₱100K+, or you're just starting to plan for your first property, this video will help you understand your options and make a more informed decision. In this video, I share how I bought my first property at 22 and break down the 3 main ways you can buy a property in the Philippines: CASH, BANK FINANCING, or PAG-IBIG.And discuss examples of housing loans from BDO, BPI, Metrobank, RCBC, and Security Bank, and what to compare before choosing a bank or housing loan provider. We'll also talk about: 🏠 How much property can you actually afford? 💰 The 30% housing rule 🏦 Bank vs Pag-IBIG housing loans 💵 Down payment + other costs you need to prepare for 📊 A ₱3M property example 🚨 Why monthly amortization isn't the full cost of owning a property ✅ My FIRST PROPERTY CHECKLIST 💭 What I personally considered before buying at 22 You don't need to be rich to start learning about property. You just need to understand the numbers! 💬 COMMENT “PROPERTY” Let's see how many future homeowners are here! 👀🏠 ✅WHAT TO WATCH NEXT - BEST HIGH INTEREST SAVINGS BANKS for Beginners & Pros Philippines 2026: https://youtu.be/--KMeBxX0nA?si=BElsx_FfrORzLDVA - HOW MUCH EMERGENCY FUND SHOULD YOU HAVE? (Philippines 2026): https://youtu.be/GKZxdlNk8oM?si=h1SzrPs_fXWgnbt4 - BEST HIGH INTEREST SAVINGS ACCOUNTS PHILIPPINES 2026 | Beginners & Pros: https://youtu.be/OmB-GA5PnkQ?si=bNOtJeK3dovyF-uS 💰FREE MONEY: Maya: Get P50 when you use my code to get banked with Maya. My invite code is @catep1 or use this link to create a Maya account now: https://official.maya.ph/be7m/gmsb47rr MariBank: Get PHP 150.00 now by signing up with MariBank using my referral code: ZP621407 https://maribank.ph/c/earnfreemoney?referralCode=ZP621407 Subscribe if you're building your financial future too! 💰 #FirstProperty #PropertyPhilippines #HowToBuyProperty #RealEstatePhilippines #PagIBIGHousingLoan #HomeLoanPhilippines #PersonalFinancePhilippines #FinancialLiteracy #GenZAccountant #bdo #bpi #metrobank #securitybank #rcbc #pagibig #philippines #bankhomeloan 00:00 Intro & Overview 00:50 Story: How I Bought My First Property 01:16 Biggest Mistake First-Time Buyers Make 01:52 30% Housing Rule 03:24 CASH: Buying Property in Cash 04:19 BANK: Home Loan Explained 07:13 PAG-IBIG: Housing Loan Explained 08:06 Cash vs Bank vs Pag-IBIG 09:15 Down Payment & Other Costs 09:58 My Experience Buying at 22 11:10 First Property Checklist 12:13 Biggest Lesson From Buying at 22