Region 12 – Metal Works Materials Prices

Common materials prices for truss works, steel-stairs and everything related to Metal Works for Region 12 (South Cotabato, Cotabato, Sultan Kudarat, Sarangani, General Santos, Koronadal, Tacurong and Kidapawan). It also comes with corresponding prices of common hardware for steel works.

The price listed here are for pick-up prices only. Delivery costs, VAT and other extra charges are excluded.

METAL WORKS – REGION 12

MATERIALS DESCRIPTIONUNITPRICES (PhP)
Milled Steel Plates Checked FY36kg57.72
Milled Steel Plates FY36kg 59.48
Steel Sheet Stainlesskg 215.33
Bridge Rollers and Rockerspc4,531.83
Pins and Pin Holes FY60kg 100.31
Sliding Bearingkg 4,153.97
Structural Steel Angular Bar (A36)kg 67.18
Structural Steel Channel Bar (A36)kg 68.34
Structural Steel Square Bar (A36)kg 68.23
Structural Steel I-Beam (A36)kg 68.64
Strutural Steel Wide Flange (A36)kg 69.64
Rivets High Tensionkg 163.49
Washers High Tensionkg 154.66
Cork Expansion Joint Filler (.019m x 1.2m x 2.44m)pc675.20
Bolts High Tensionkg 552.13

HARDWARE – REGION 12

MATERIALS DESCRIPTIONUNITPRICES
Anchor Bolts w/ Nuts and Washerkg168.14
Machine Bolts w/ Nuts and Washerkg139.14
Tension Rods (38mm D)ln.ft.340.99
Tension Rods (16mm D)ln.ft. 56.40
Tension Rods (19mm D)ln.ft. 170.05
Turn Buckles (12.7mm D)pc94.85
Turn Buckles (16mm D)pc163.50
Turn Buckles (19mm D)pc219.90
W.I. Strapkg76.99
Hinge (50mm x 101mm)pr74.21
Door Locks (Schlage or Equivalent) set1,513.38
Automatic Door Closer (Yale or Equivalent)set2,950.12
Steel Cablekg131.84
Steel Grating Framekg97.36

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Cordillera Administrative Region

National Capital Region

Region 1

Region 2

Region 3

Region 4A (CALABARZON)

Region 4B (MIMAROPA)

Region 5

Region 6

Region 7

Region 8

Region 9

Region 10

Region 11

All amount in PhP. To see all the material prices we have posted click here.

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Region 11 – Metal Works Materials Prices

Common materials prices for truss works, steel-stairs and everything related to Metal Works for Region 11 (Davao del Sur, Davao del Norte, Davao Oriental, Davao Occidental and Compostela Valley). It also comes with corresponding prices of common hardware for steel works.

The price listed here are for pick-up prices only. Delivery costs, VAT and other extra charges are excluded.

METAL WORKS – REGION 11

MATERIALS DESCRIPTIONUNITPRICES (PhP)
Milled Steel Plates Checked FY36kg55.88
Milled Steel Plates FY36kg 55.01
Steel Sheet Stainlesskg 132.10
Bridge Rollers and Rockerspc4,711.82
Pins and Pin Holes FY60kg 85.67
Sliding Bearingkg 5,209.17
Structural Steel Angular Bar (A36)kg 55.89
Structural Steel Channel Bar (A36)kg 55.89
Structural Steel Square Bar (A36)kg 55.89
Structural Steel I-Beam (A36)kg 55.89
Strutural Steel Wide Flange (A36)kg 55.89
Rivets High Tensionkg 176.71
Washers High Tensionkg 175.71
Cork Expansion Joint Filler (.019m x 1.2m x 2.44m)pc861.31
Bolts High Tensionkg 150.09

HARDWARE – REGION 11

MATERIALS DESCRIPTIONUNITPRICES
Anchor Bolts w/ Nuts and Washerkg34.31
Machine Bolts w/ Nuts and Washerkg101.15
Tension Rods (38mm D)ln.ft.52.17
Tension Rods (16mm D)ln.ft. 24.36
Tension Rods (19mm D)ln.ft. 30.46
Turn Buckles (12.7mm D)pc160.57
Turn Buckles (16mm D)pc184.85
Turn Buckles (19mm D)pc231.70
W.I. Strapkg60.89
Hinge (50mm x 101mm)pr85.23
Door Locks (Schlage or Equivalent) set1,593.16
Automatic Door Closer (Yale or Equivalent)set2,791.77
Steel Cablekg120.12
Steel Grating Framekg85.37

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Cordillera Administrative Region

National Capital Region

Region 1

Region 2

Region 3

Region 4A (CALABARZON)

Region 4B (MIMAROPA)

Region 5

Region 6

Region 7

Region 8

Region 9

Region 10

Region 12

All amount in PhP. To see all the material prices we have posted click here.

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Region 10 – Metal Works Materials Prices

Common materials prices for truss works, steel-stairs and everything related to Metal Works for Region 10 (Bukidnon, Camiguin, Lanao Del Norte, Misamis Occidental and Misamis Oriental). It also comes with corresponding prices of common hardware for steel works.

The price listed here are for pick-up prices only. Delivery costs, VAT and other extra charges are excluded.

METAL WORKS – REGION 10

MATERIALS DESCRIPTIONUNITPRICES (PhP)
Milled Steel Plates Checked FY36kg63.48
Milled Steel Plates FY36kg 65.80
Steel Sheet Stainlesskg 198.46
Bridge Rollers and Rockerspc4,854.01
Pins and Pin Holes FY60kg 71.18
Sliding Bearingkg 4,822.02
Structural Steel Angular Bar (A36)kg 70.96
Structural Steel Channel Bar (A36)kg 69.25
Structural Steel Square Bar (A36)kg 70.55
Structural Steel I-Beam (A36)kg 72.35
Strutural Steel Wide Flange (A36)kg 72.67
Rivets High Tensionkg 169.74
Washers High Tensionkg 165.31
Cork Expansion Joint Filler (.019m x 1.2m x 2.44m)pc718.92
Bolts High Tensionkg 177.50

HARDWARE – REGION 10

MATERIALS DESCRIPTIONUNITPRICES
Anchor Bolts w/ Nuts and Washerkg41.29
Machine Bolts w/ Nuts and Washerkg43.79
Tension Rods (38mm D)ln.ft.19.35
Tension Rods (16mm D)ln.ft. 25.48
Tension Rods (19mm D)ln.ft. 36.64
Turn Buckles (12.7mm D)pc104.46
Turn Buckles (16mm D)pc154.06
Turn Buckles (19mm D)pc210.20
W.I. Strapkg70.25
Hinge (50mm x 101mm)pr74.46
Door Locks (Schlage or Equivalent) set1,064.54
Automatic Door Closer (Yale or Equivalent)set1,626.66
Steel Cablekg147.89
Steel Grating Framekg95.29

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Cordillera Administrative Region

National Capital Region

Region 1

Region 2

Region 3

Region 4A (CALABARZON)

Region 4B (MIMAROPA)

Region 5

Region 6

Region 7

Region 8

Region 9

Region 11

Region 12

All amount in PhP. To see all the material prices we have posted click here.

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How to Compute the Number of Tiles in Simple Words

Computing the total number of tiles may be frustrating to a typical person. With the rule of arithmetic, you’ll use more number of tiles if you use smaller tile size compared to that with bigger tile size.

Here are the things to remember when computing the number of tiles you’ll use for your bathroom, shower room, or comfort rooms, or just any flat surface you want to be tiled.

  • Use the Same Unit of Measurement

In simple words, if you use square-meter [sq.m.] when computing the area to be tiled, use square-meter [sq.m.] in calculating the area of the tile.

To get the correct total number of pieces of the tile, get the Area of the tile size and divide the area to be tiled by it. For simplicity, below are simple calculations.

The area of 0.20m x 0.20m is 0.04 sq.m. [0.2m x 0.2m = 0.04 sq.m. Area of the tile]

The area of 0.40m x  0.40m is 0.16 sq.m. [0.4m x 0.4m = 0.16 sq.m.Area of the tile]

If 0.20m x 0.20m is used, for the 10 sq.m. area of to be tiled, the total no. of pieces is:

If 0.40m x 0.40m is used, for the 10 sq.m. area of to be tiled, the total no. of pieces is:

Always check the unit of measurement. Suppliers in the Philippines sometimes use inches, feet, or cm. If the area to be tiled is in square-foot (sq.ft.) then calculate the Area of the Tile in sq.ft. The key is to use the SAME unit of measure for both of your calculations to be accurate.

In the example below, we’ll use a standard 1.5m height for the bathroom wall tile. The sizes are reflected in the example below. This is a typical Filipino bathroom with toilet and corresponding dimensions. The walls are flattened to be understood easily.

As you can see, the smaller the size of the tile is, the greater number of tiles you’ll use. It is because of the Area of the tiles as discussed above.

Tile with smaller size can be installed easily rather than the bigger ones. But since you’re going to use more of it, it sometimes wouldn’t matter much in actual. The bigger tiles are heavier and thicker compared to the smaller ones. Since, you cover more area with the bigger tiles, your tiler may complete the work faster compared to the smaller tile. This falls down again on how experienced the worker is. Ask your local tiler about these things.

  • Provide Wastage Allowance, but Not Too Much

Tile is brittle in nature. Depending on how skilled your hired installer is, he or she may break a tile or so. Also, wall corners with columns which may not be included in the area calculation is included in actual like the one in the picture below.  Provide a wastage allowance for these. Better yet, incorporate them in your tiling area computations.

Tiles in Column | Philcon Prices

Assuming you’ve calculated the Area to be Tiled accurately, a good wastage factor is 3%-5%. 10% is normally too much. If you need 100 pcs of tile, add around 3-5 pieces for wastage allowances.

Remember to not add too much allowance. If wastage factor is too high, or Area to be Tiled calculated is too high, there will be extra tiles that will be unused, thus, a waste of money. You may already have added allowances when you calculated the area to be tiled so use lower percentage factor when adding wastage allowance.

  • Don’t Forget to Subtract the Openings

Openings like doors and windows and vents, of course, won’t get tiled. Do not forget to subtract these openings in your calculations. Other people tend to factor out the openings which leads to excessive ordering of tiles.

For the tile adhesive, cement, sand and tile grout, just multiply the factors below with your estimated Area (sq.m.) to be Tiled. You may use this as your guide (but not as your sole basis) in determining how much tile grout is needed, or how many bags of tile adhesive you need. Hire a professional tiler to do this calculations for you if in doubt.

[Disclaimer! Use these factors like a grain of salt, as these are calculated with too high wastage factors].

Tile Adhesive [bag] : 0.125

Cement [bag] : 0.325

Sand [cu.m.] : 0.026

Tile Grout [bag] : 0.12

The condition of your floor also matters. If the flooring is not leveled, you may need additional or less mortars for your tiling works, thus, those factors above for the tile adhesive, cement, and sand may be inaccurate.

For the labor cost, it depends on how skilled the tiler is. Hire the ones with proven tracks records rather than the unskilled ones. It would just cost you a pain in the head if you penny-pinch the labor cost. Skilled workers normally do it per tile piece (depending on the tile size) or per area (sq.m. / sq.ft.). Prepare to spend around PhP300-500 per sq.m. for labor alone. [May be higher or lower depending on the location or how skilled the persons are].

We’ve found a hand tools and hardware site with good customers review so we are sharing them with you. Check them here.

With these, a typical person should be able to calculate the materials needed to tile their floor or wall. But, a friendly advice, hire a professional so you can ask them directly. They can always give you a better explanation on how this stuff are conceived. You can never go wrong hiring one.

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Ten Natural Ways to Make Your House Cooler This Summer

Some people may not afford an air conditioning system so this one’s for you. Here are the tips and tricks to make your house cooler the natural way. This post is also for people searching for a solution to do something about the heat inside your rooms. We know you are now bracing for the summer, so beat the heat!

Photo by Joshua_seajw92 from Pixabay.com

1.) Plant Trees Outside

This may not solve the house heat problem right away, but this one’s a good investment. Five or 10 years, you’ll eventually feel your room or house colder even without air conditioning provided that the tree is strategically placed to block the sunlight. Just make sure you don’t plant the seedling too near in the exterior wall so it won’t poise problem with your house foundation.

2.) Ventilate with Outside Air

Most of the time, outside air is colder compared to that of your indoor air. Indoor air is congested with body heat, kitchen heat and dust particle that floats in the air even without you knowing. Ventilating your house with outside air may solve your heat problems inside your home. Go open those window openings and doors. Make sure you have also invested some window and door screens to keep the mosquitos from entering your house.

3.) Paint Walls with Light Colors

Did you know black walls absorb more heat compared to that of lighter colors? Yes, Dark walls tend to play a role in making your inside air presumably hotter. You may want to head to the hardware store this weekend and buy for some lighter wall paint.

4.) Block Direct Sunlight

This is no brainer. Direct sunlight that comes inside your home contribute to it being warm. Use thick but light curtain for this. You may also want to tint that window of yours. By doing this, you can feel your indoor air colder right away. Check this store as they have one of the best curtains there is.

5.) Rehydrate

During summer season, it is easy to get dehydrated even without you knowing. Being dehydrated adds up to the boiling feeling of the summer. Make it a habit to slurp up some water from time to time. This will sure help you feel cooler even without air conditioning. Plus, it is good for your health.

6.) Install Ceiling Insulation

The most common roofing material is galvanized sheets. These GI sheets during noon time absorbs so much heat that the people living underneath these roofs describe the feeling to be inside an oven. You may resolve this issue by installing ceiling foam insulation. These are locally available in the market and is very easy to install. You just need some tie wire, some anchoring material, scaffolds to elevate yourselves and you’re good to go. Don’t forget to wear some safety harness for your protection.

7.) Use Lighter Clothes

Well, depending on how hot the weather is, this fixes your feeling warm right away. By using light clothes, you are giving your skin to breathe, thus, releasing heat and sensing the colder air near you. This blog post is for the people without air conditioner, pair your wearing of light shirt by manually fanning or facing the electric fan and you will feel instant comfort.

8.) Clean up and Dust Off Regularly

Dirt, dust and pollutants congests inside your home which adds up to the poor air quality, making it warmer. By regularly dusting off those forgotten top portion of your shelves and tall furniture, the air quality inside your home or room becomes better. This decongests inside air. Better air quality is directly proportionate to the “feeling” of colder indoor aspect of your home. Find some time to clean up no matter how busy your schedule gets.

9.) Declutter

Having so many things inside your room, or house, adds up to the heat index of your place. When you have too many things inside your home, there is only small room for the air to circulate. You may want to sell that extra chair which is still fine. If it is barely standing up (because you fixed it poorly), you may want to throw that away. Do some decluttering once a year, as advised, if you want to make your home cooler. You can also book this weekend to prepare for the summer.

10.) Install Proper Exhaust Fans

Exhaust fans are used to direct indoor wasted air outside your property. It may be comfort room exhaust, or kitchen exhaust. We have seen subdivisions wherein the owner added a comfort room near her room. Window opening is not feasible because it sits just right beside the property wall. Every time someone showers, that someone needs to open the door every now and then because it is just too hot inside since the air inside is stagnant. We advised her to install exhaust fan and it solved her problem right away. Go contact an electrician for this. You need an experienced and professional person for this work.

With this simple tips and doable tips, you can somehow make your homes comfortable for the summer. You can do something about that heat so do something. Enjoy the summer!

Region 9 – Metal Works Materials Prices

Common materials prices for truss works, steel-stairs and everything related to Metal Works for Region 9 (Zamboanga del Norte, Zamboanga Sibugay, Zamboanga del Sur, including five cities of Dapitan, Dipolog, Pagadian, Zamboanga and Isabela). It also comes with corresponding prices of common hardware for steel works.

The price listed here are for pick-up prices only. Delivery costs, VAT and other extra charges are excluded.

METAL WORKS – REGION 9

MATERIALS DESCRIPTIONUNITPRICES (PhP)
Milled Steel Plates Checked FY36kg47.09
Milled Steel Plates FY36kg 42.78
Steel Sheet Stainlesskg 123.40
Bridge Rollers and Rockerspc4,609.68
Pins and Pin Holes FY60kg 75.77
Sliding Bearingkg 5,127.96
Structural Steel Angular Bar (A36)kg 51.33
Structural Steel Channel Bar (A36)kg 54.58
Structural Steel Square Bar (A36)kg 49.15
Structural Steel I-Beam (A36)kg 53.21
Strutural Steel Wide Flange (A36)kg 52.65
Rivets High Tensionkg 57.18
Washers High Tensionkg 151.29
Cork Expansion Joint Filler (.019m x 1.2m x 2.44m)pc676.25
Bolts High Tensionkg 154.91

HARDWARE – REGION 9

MATERIALS DESCRIPTIONUNITPRICES
Anchor Bolts w/ Nuts and Washerkg35.97
Machine Bolts w/ Nuts and Washerkg113.49
Tension Rods (38mm D)ln.ft.49.85
Tension Rods (16mm D)ln.ft. 23.98
Tension Rods (19mm D)ln.ft. 30.16
Turn Buckles (12.7mm D)pc111.91
Turn Buckles (16mm D)pc200.10
Turn Buckles (19mm D)pc292.56
W.I. Strapkg59.09
Hinge (50mm x 101mm)pr70.65
Door Locks (Schlage or Equivalent) set1,145.36
Automatic Door Closer (Yale or Equivalent)set2,057.63
Steel Cablekg120.24
Steel Grating Framekg84.97

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Cordillera Administrative Region

National Capital Region

Region 1

Region 2

Region 3

Region 4A (CALABARZON)

Region 4B (MIMAROPA)

Region 5

Region 6

Region 7

Region 8

Region 10

Region 11

Region 12

All amount in PhP. To see all the material prices we have posted click here.

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How to Soundproof a Room with Household Items

Noises from household items like washing machine, dryers, oven timer, or even just the noise of cooking may be annoying. Whether you have a class, an online meeting, or simply just resting, hearing some unwanted clicking, splashes, crashing sound is infuriating.

Photo by Andrea Piacquadio from Pexels

If you have a rental property, say, room for rent, with common service area, you may want to soundproof rooms with household items so tenants won’t hear busy appliances in the service room.

How to Soundproof a Room with Household Items

Use Door Strips

Thick weatherstrips and door sweeps, there are a lot of cheap but quality door strips on the internet. Choose the one that is made from foam but is water-resistant. All you have to do is slide it down the door trim and you’re good to go. Other door strips have stickers. Make sure that the strips cover all perimeter of the door without gaps. You’d be able to hear the difference right after installing it.

Install household item on a pedestal

When you have enough budget, reach out to your local contractor and consider on putting washing machine, dryer, and other noisy appliances on its own concrete pedestal. These pedestal also should have rubbers in-between the appliance’s foot and floor. That way, the vibration coming from these appliances should be lessen.

Paint the door or wall with soundproofed paints

Soundproofing paints normally are used on areas that is meant to prevent the inside noise from getting onto the other rooms. Although may not that effected to an actual sound insulation, it somehow helps. Seemingly, thick normal paint also does the work.

Install Sound Screen Insulation

Sound screen insulation is a thick layer of polyester or glass wool that helps prevent the sound waves from penetrating through walls, thus, leaving your service area sound-proofed. These are typically installed inside the walls by a contractor who specializes on insulation. Legitimate sound screen may be difficult to do DIY as some are made up of glass that you could even see tiny shreds during installation.

Use Thick Curtains

If the noise coming from your appliances isn’t that bad, then just installing thick curtains may help prevent noise from coming out. Fabric absorbs sound by nature and the thicker the curtain, the better. Just make sure that the curtain color you choose compliments with the wall color else, it may be an eyesore.

Put up acoustic tiles

Just like curtains, acoustic tile like the ones you see on a regular recording company, excellently absorbs sound waves. These tiles are invented just for that – absorbing noise. There are lots of affordable acoustic tile online and installing is so easy. Other design even has its own sticker at the back so all you have to do is just peel of the sticker protection and glue it on the wall.

Build a Service Area away from the Main House

Perhaps, this is the most effective solution for your noise concerns. Keep the service area away from bed rooms or family room. Some wealthy people even have their own stand-alone service area that is not connected to any wall in the main residential house. This is not be the most cost-effective, thus, is not the solution for all.

Affordable noise-cancelling headphones? Click here.

Conclusion

Noise, especially when you are resting, or in a critical online meeting is truly exasperating. Taking control of the noise inside your home is something that you CAN do. There may not be a noise-free appliances at the moment. Don’t slack around because you can do something about the noise. Book the weekend for your little soundproofing project to reap the “stress-free” reward.

Region 8 – Metal Works Materials Prices

Common materials prices for truss works, steel-stairs and everything related to Metal Works for Region 8 (Biliran, Eastern Samar, Leyte, Northern Samar, Samar, Southern Leyte, Ormoc and Tacloban). It also comes with corresponding prices of common hardware for steel works.

The price listed here are for pick-up prices only. Delivery costs, VAT and other extra charges are excluded.

METAL WORKS – REGION 8

MATERIALS DESCRIPTIONUNITPRICES (PhP)
Milled Steel Plates Checked FY36kg54.85
Milled Steel Plates FY36kg 49.58
Steel Sheet Stainlesskg 127.67
Bridge Rollers and Rockerspc4,797.32
Pins and Pin Holes FY60kg 82.29
Sliding Bearingkg 5,293.44
Structural Steel Angular Bar (A36)kg 55.61
Structural Steel Channel Bar (A36)kg 56.14
Structural Steel Square Bar (A36)kg 56.61
Structural Steel I-Beam (A36)kg 58.02
Strutural Steel Wide Flange (A36)kg 58.02
Rivets High Tensionkg 164.54
Washers High Tensionkg 164.03
Cork Expansion Joint Filler (.019m x 1.2m x 2.44m)pc680.82
Bolts High Tensionkg 160.70

HARDWARE – REGION 8

MATERIALS DESCRIPTIONUNITPRICES
Anchor Bolts w/ Nuts and Washerkg39.67
Machine Bolts w/ Nuts and Washerkg107.65
Tension Rods (38mm D)ln.ft.38.03
Tension Rods (16mm D)ln.ft. 26.98
Tension Rods (19mm D)ln.ft. 32.16
Turn Buckles (12.7mm D)pc168.59
Turn Buckles (16mm D)pc214.47
Turn Buckles (19mm D)pc243.72
W.I. Strapkg64.10
Hinge (50mm x 101mm)pr67.10
Door Locks (Schlage or Equivalent) set1,472.77
Automatic Door Closer (Yale or Equivalent)set2,560.60
Steel Cablekg131.27
Steel Grating Framekg89.57

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Cordillera Administrative Region

National Capital Region

Region 1

Region 2

Region 3

Region 4A (CALABARZON)

Region 4B (MIMAROPA)

Region 5

Region 6

Region 7

Region 9

Region 10

Region 11

Region 12

All amount in PhP. To see all the material prices we have posted click here.

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House Insurance and Housing Loan in the Philippines Explained

Housing insurance is a type of financial investment you can get to protect your property assets against calamities, malicious damage, and loss. It’s an expenditure that you need to pay monthly, quarterly or yearly at a certain time duration so that once your property gets damaged, the insurance company will compensate you for whatever the impairment costs will be.

Photo by Monstera from Pexels

Housing insurance falls under the property insurance. Depending on the premium you are paying, it may cover all or some the following:

·        Earthquake

·        Volcanic Eruptions

·        Fire and Lighting

·        Housebreaking and Burglary

·        Flood and Typhoon

·        Explosion

·        Vehicle Impact

·        Malicious Damage like Gang Wars and Riots

If you are a landlord, and your primary source of income is your rental property, you may want to prioritize getting a property insurance as this comes handy when the need arises.

Q: Is housing/property insurance important?

Yes. Things happen whether we like it or not. So, instead borrowing money because of unforeseen damages in your house, you may opt to get your property insured. All the more it is important if this property is income generating like rental houses and apartments.

Think of property insurance as the health insurance of your asset. If it gets sick, then you have readily available cash to make it well.

Q: How much is the average cost of property insurance?

Depending on the service provider and the coverage of the insurance, you may pay at around PhP 1,000 – 6,000 monthly on average.

Here are the institutions that offer property insurance in the Philippines.

AXA Philippines

Malayan Insurance

MAPFRE Insular

FPG Home Insurance

Prudential Life

Banco de Oro (BDO)

Bank of the Philippine Islands (BPI)

Housing / Home Loans

Housing loan is borrowing of money thru financing institution normally paid with interest at a certain number of months to be used for any dwelling related activities such as housing construction or renovation. There are three ways Filipinos can apply for a housing loan in the country: PAG-IBIG, direct to bank, or private company financing. Since it’s a housing loan and the lending institution need to earn a profit, it always come with interest (most of the time, hefty!).

The requirements and legibility may vary, but the most common factor the three lenders have in common is the documents that certify that you are capable of paying the loan amount that you want. Further, housing loan interest rates depend on the timeline of the mortgage. Normally, the longer the mortgage payment timeline is, the higher the interest rate is.

Examples of these documents are the following.

  1. Duly accomplished forms
  2. Valid IDs
  3. 1-3 months payment slips / Certificate of Employment / Job contract
  4. Photocopy of latest business permit / DTI Registration (if business owner)

Rates for the three institutions also varies so it’s good to check and shop around.

Q: Should I just save and pay the house in cash or just take a loan?

For those who are still undecided whether you should wait to have the bulk money to pay in cash or just take a loan, only you can answer it depending on your situation.

If you can really discipline yourself to save enough money; not looking into settling down yet; and couldn’t take the commitment of paying monthly for a mortgage, then, save enough and pay in cash.

If you can barely save enough money even for a down payment because you have dependents; would really like to have your own place as soon as possible; then, consider taking a housing loan.

Of course, paying in cash is always the better option if you have spare money to burn since you are not going to pay for any interest. But a typical Filipino don’t have enough finances for major purchase like a house. Study it, learn about the interest rates, ask a lot of questions on the lender so you’ll know what you’re entering into. Don’t blindly get into a housing loan just to get a house if you do not fully understand it.

Q: Is housing loan only applicable when buying developed real estates?

No. You can get a housing loan provided that it is for housing / residential construction or renovation. Not necessarily only for purchasing properties from developers. If you want your own house independently designed and constructed, you would need the documents mentioned above to prove that you are legible getting a loan. You also need to have duly signed and sealed house plans by the professional, bill of materials / quantity showing total contract price and other pertaining documents like the title of the lot or tax declaration.

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If you are into the “overpriced” houses constructed by the real estate developers, then invest in finding an experienced and legitimate contractor with proven track records to build your dream home.

Oftentimes, housing mortgage is the friend of a typical Filipino who wants to stop renting and just get a house under their name. Getting one prove to be beneficial in the long run, of course, depending on the reason why you took it. Others who made it out in life, also take housing loans as an investment. They get a house thru a loan and rent it out. That way, the tenant is the one who pays for the mortgage but you get the title of property. Smart move, isn’t it?

May we all win in life!

How to Improve the Air Quality in Your Homes

If you reside in rural area, this would be easy. You just have to open your window and you’re good to go. Make sure you have the window screen to prevent mosquitos and insects from getting inside your homes. If you’re from the city, this would be trickier.

Photo by Thirdman from Pexels

The following ideas should help you get better air quality inside your homes.

  • Ventilate Your Home with Outside Air

This works fine if you are not residing just beside road. Home that is located just beside roads would be harvesting tons of dusts and pollutants in their lifetime. That is the reason why it is best to erect your houses at around 50m from the centerline of the road (may be less than 50m if not on national highway). Not just because of the future road expansion but because of air, safety and health hazards.

If you reside in the city, it is best to open your windows and allow outside air to enter your house at around 6:00am when the air is cool and there are no pollutants circulating mid-air due to cars exhaust pipes.

  • Make Sure the Exhaust Fan Works

Exhaust fans are devices normally used in closed spaces like restroom or kitchen to direct bad and foul air outside your unit. This is especially useful when your house area is compact like condominiums.

For restrooms and bath room that is located just beside a firewall where actual window opening is not feasible, exhaust fans are used by designers to ensure proper air circulation.

Kitchen area in the condominium if placed away from a window needs kitchen exhaust fans. This helps your unit and furniture free from smoke and kitchen smell when you are cooking. Imagine your visitors knowing that you had seafood for lunch cause it smell fishy!

  • Use Air Purifier

They may be air that is odorless that is still harmful when inhaled. Pollutants that slowly make us sick even without us knowing may be lurking literally just at the tip of your noses. If you are into pets and you are allergic to their hair, you may want to invest in air purifiers.

Several researches show that air purifier really works especially in removing damaging air waste that lingers in your indoor area. Of course, air purifiers need to paired with regular cleaning, else, it would be just a waste of money if your home is dusty and dirty always.

  • Add or remove indoor plants

Trees, plants and algae ingests carbon dioxide and exhales oxygen. We know this for sure. Place plants indoor and the indoor vibe suddenly changes for the better. There are indoor plants that help remove pollutants, but the water retention in their soil and pots may help encourage the mold growth which is harmful if inhaled.

Think of indoor plants like stationary pets. They need attention, cleaning and care. Otherwise, they die. Balancing the indoor plants helps in improving the air quality of your homes. Don’t forget to place them outside once in a while.

If you travel often and leaves home frequently, then better just put your plants outside so they may be watered by rain when you aren’t around.

  • Clean Regularly and Dust Off

Don’t forget to dust off and clean carpets, rugs, sofa, cabinets and furniture. It’s easy to forget small things like cleaning as life can be demanding.

If you are truly busy and don’t have time for cleaning, better have professional cleaners do the thing. It will help improve not just the quality of the air in your home but also your quality of life.

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The quest for better air quality has been a challenge. With the pandemic still at bay and the climate change on it full gear, humankind faces degrading air condition. No wonder most city persons are migrating to rural area, all searching not just slower pace in life, but above all, better air quality.

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