Site Tripping

02-15-2010 Monday

To say that I was excited about getting a house that I've finally seen, is an understatement. I was ecstatic, I was suddenly bursting with energy and eagerness to work harder after seeing the house, the location and everything. I finally feel like I know which way to go in life, I can finally see what my future is gonna be like. It's starting to show from beyond the dark clouds.

I want to share it to everyone of you hoping you guys won't fail me, because the person I chose to first share this with, didn't show much interest. Who that person is--you wouldn't wanna know.

Ok, here's the deal. The house is located in Benjamin Village in San Jose, Del Monte, Bulacan. Earlier, the real estate agent I'm dealing with joined me to what they call 'site tripping', it means they accompany the possible buyers in viewing the site. She is a nice woman with a very sweet tongue for salestalk, she walks around talking non stop about the benefits of having your own house, she is very forward and blunt about wanting you to get the house immediately. She takes her sales job very seriously, and I realized, I could learn a thing or two from her, I can definitely apply those traits she has to my job, afterall, we both deal with sales.

Anyway, Benjamin Village is on a development process. There are a few houses built already and few people living there. When I say few, I mean it. I think there are more or less 20 houses built and 15 out of it are occupied. There are wide open lots around filled with tall grasses and trees. That's why it's windy out there. She was telling me that in time, this will be fully developed and houses will cost four times as much as it does now. That makes sense, the houses are cheap and the place is accesible.

It is quite far from where we live in now. If I'm calculating it right, my almost 1 hour and 45 minutes ride to work will be 2 hour and 30 minutes at the most. That's time consuming, time that I should spend getting some more sleep. But then, I realized, it wouldn't be so bad. My mom's gonna be released from the hospital by the time we move there,now since we're farther than where we used to live, I'll have an excuse to rent at a boarding house near my work place so I wouldn't have to deal with my mother. Fantastic.

I was thinking about all this while I was on the way home riding the jeepney. That will work. The rent-to-own cost per month is gonna be P2,500. I can rent a room or bedspace in Quezon City for around P1,000-P1,500 inclusive of water and electricity (I was hoping to find one around that range). Add up the electricity and water bill in my house, which is P400 at the most since we don't consume much of those two. Ta-da. I can still have some money to save and the next thing I'm gonna need is a second hand car to make it easier to come home.

Oh I'm forgetting my mom's medications! Nah, she wouldn't need that. The place is peaceful and far from anything that will remind her of her mishaps so I think she'll be okay. There's no better therapy than living in a nice, almost secluded place, far away from the fast paced city life. As for me, I'll go home there every other week, I'll be on my own in the city, I can go out and most importantly, I'm away from my mother and I didn't lose my gramma.

I shared the idea with my gramma when I returned home (expect my hidden agenda of getting away from the crazy bitch), and she liked it, even when I told her that I have to bedspace to be near the office. Good. I'm starting to have plans, how to design the house that I can finally call my own, no need to worry about getting kicked out again, finally having a permanent address and by the time I'm finished paying the house, 30 years or earlier from now, I can forget about getting married and be happy alone.

I can't wait to pay my reservation fee and start processing all the requirements. I was too excited that I almost forgot about the call I received this morning from the rehab staff, informing me that by the 23rd, I can talk to the doctor and my mom can be released also once I cleared the bill. Darn it, talk about something to spoil my day. Well, I'll look on the brighter side, at least I don't have to worry about her rehab bill.

I want the house. I plan to still look around but I have too little time, and the other houses I've checked so far would require me to pay more cash outright, the lowest I've seen was P60,000 to be paid in cash. With this house in Benjamin, I pay for the reservation fee, then the miscellaneous fee which costs P23,000 payable in 10 months, then after I'm done paying that, my monthly amortization begins. Not bad, eh?

This is the first time I'm doing this huge loans so I hope everything works out for me. I want to have it now while I'm still young, I want to start the future now. It's gonna be another long road but this time, it will finally lead me to a home.

Labels: Bulacan, house and lot, housing loan, Pagibig, pink crimson

posted by Monica-Lynne @ 4:02 AM