HorIZON Properties by Raphael Hizon

Stop scrolling. Start upgrading.

Because in real estate, timing is everything ⏳.

Lowest isn’t always best.

While that sweet low interest rate is tempting, homebuyers should also look beyond the numbers. Watch out for:

✅ Short lock-in periods (your rate may shoot up sooner than you expect)
✅ High processing fees and hidden charges
✅ Strict approval requirements (some banks are more generous than others)
✅ Loanable amount caps and appraisal values that don’t match your purchase price

In short: Don’t just chase the rate—choose the bank that fits your long-term plans and financial profile. And of course, these rates are very negotiable, especially if you have a good record/credit standing with the institution, plus a healthy relationship with their managers/account officers.

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Amidst all the redevelopment plans happening around Metro Manila, especially in Makati, ever wondered what happens to the very old residential condominiums? Read on.

https://www.linkedin.com/pulse/what-happens-when-condo-too-old-process-selling-condemning-hizon-jkz3c