1. The more you delay your decision to purchase a H&L because of the cost, the higher the cost will become next year, 2 years from now, and so on.
2. Saving money in order to buy a H&L in the future does not work most of the time, unless the word "emergency" does not exist in the dictionary, or unless you win the mega/ultra lotto. In the latter case, the probability of you thinking about buying a H&L with your millions is very remote.
3. Paying monthly amortizations for your "dream" H&L for a maximum of 30 YEARS thru PagIbig is undoubtedly a better option than renting a house FOREVER, not to mention the fact that in case you can no longer pay for your Pagibig amortizations because of "extreme" circumstances beyond your control, your Pagibig loan is DEEMED FULLY PAID! On the contrary, your landlady will not accept any reason for you not to pay your monthly rent.
4. Yes, God has reserved a "mansion" for us in heaven after our time here on earth, but He doesn't prevent us from owning a comfortable house in which to live and enjoy and can be proud of while we are still alive.
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