Top 10 Reasons Why Owning a Home is a Smart Investment in the Philippines

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After spending many years working for their families, many Filipinos aspire of enjoying a good life. They spend a lot of time working away from their families, especially OFWs, just to sustain and survive. Investing in real estate properties is one smart way they can achieve this.

According to research, the global real estate industry would reach $3741.06 billion in 2022. In addition, the majority of Overseas Filipino Workers (OFWs) desire tranquility when they retire or return to the Philippines. Investing in Philippine real estate is a wonderful approach to do. Because property values are rising swiftly in the Philippines, real estate is quite popular. Additionally, a few real estate firms provide flexible financing at cheap interest rates.

But real estate has its risks, just like any other type of investment. You require a lot of money to buy, but you can make money right away when you sell it. If you’re having thoughts of having a real estate investment or owning a house, let’s dig into the top 10 reasons why you should go for it!

Read Also: Why is House and Lot one of the Safest Real Estate Investments For Beginners?

10 reasons to invest in real estate investment

Financial Security

Homeownership is a great way to build financial security. You can use your home as an investment and increase your net worth by building equity over time, or even sell it for a profit if you need the cash. It can help you have a stable cash flow. Homeownership can also help in diversifying your investment property portfolio.

Always measuring returns is a golden rule for every investment. You can rent out your home as an immigrant or Overseas Filipino Worker for a sum that, in the event of a loan payment, will meet your monthly mortgage payments.

Additionally, certain places require higher rental payments than your monthly amortization requires. If you’re running a business, investing in real estate will also generate passive income or extra income as a supplement. Selling a home for more money is a simple approach to profit from real estate. However, it can take a while. Because of this, renting or leasing the property makes sense if you’re looking for an additional monthly income or passive income.

Read more: Bria House and Lot: How to Build Your Investment Portfolio

Tax Benefits

Mortgage interest and property taxes are tax deductible. Capital gains tax exemption for your primary residence. Tax credits for energy-efficient improvements to your home, such as installing solar panels or a wind turbine.


The stability that comes with owning your home is one of the biggest benefits. There’s no need to worry about rent increases or being forced out of your home because you can’t afford it anymore. You also have the option of passing down your home to future generations, who will be able to enjoy all the benefits that come with having their own place.

Build Equity in Real Estate Investing

No matter where you are in the world, property values tend to increase over time. This is known as “equity,” and it can be used for a variety of purposes: investments, additional home improvements or renovations, etc. In fact, many people use their equity as collateral for loans from banks or other lending institutions so they can buy another property (or start a business to earn money from it).

If you’re thinking about buying a house in the Philippines but aren’t sure whether it’s worth your time and money yet–don’t worry! The best way to find out if owning a home is right for you is by doing some research into the market conditions surrounding the real estate there right now; this way when deciding whether or not now’s the right time will be easier than ever before!

Growth of the Real Estate Market

The major reason you start investing is to increase your financial capability, aside from return on investment and liquidity. When you invest in Philippine real estate, you will have the opportunity for multiple streams of income.

The low entry cost of real estate investing in the Philippines is another important benefit. Real estate will appreciate in value, however, all expensive products quickly lose their value.

Demand will be a factor, just as it is when you purchase a home in a city where there are supply limitations but high demand. However, the rate of capital appreciation varies depending on the market.

Other developers will have the chance once a subdivision has been developed in a particular area. The residential, commercial, and industrial expansion serves as the foundations for property valuation.


As mentioned above, the value of your home will increase over time. If you’re looking for an investment that has the potential for capital gains, then buying a house is definitely a smart choice.

When you purchase a home in the Philippines, there are many factors that contribute to its value: location, condition, and size are just some examples. But unlike other investments such as stocks or bonds where you have no control over their performance (unless you’re trading), when it comes to real estate investing, there are things that can be done by homeowners themselves which affect how much their property increases in value over time.

Privacy and Space

One of the main reasons why owning a home is a wise investment in the Philippines is because it gives you and your family privacy and space. No need to worry about nosy neighbors or landlords who might be watching your every move! Owning a home also gives you the ability to make modifications and improvements as needed, which can help increase its value over time.

What makes it more exciting is to have the chance to visit your favorite tourist destination with your family without the hassle of looking for a place to stay.


When you find the right location for your home, homeownership can be a great way to build positive relationship with your neighbors, who may become friends or even family members. This is especially true in the Philippines, where many Filipinos still live in close quarters with their extended families and neighbors. Having a home of your own can help you connect with other people in your community and make them feel more comfortable around you.

It’s also possible that the house itself could become the center for social activities for everyone who lives there–for example, if there’s an outdoor space where people can congregate or if there are common areas inside that allow residents to interact regularly (like kitchens or living rooms).

Control and Physical asset

You should consider more than just your potential future financial gain. Think about prospective losses as well. Real estate is typically a low risk investment in this sense. That’s because property values frequently remain stable or climb over time, particularly when there is a greater demand for land and houses.

Real estate is a tangible or physical asset, so you have faith that it will endure even in trying times. That proves you are in charge of your stuff. After purchasing properties in the Philippines, you will also get a certificate of title from the government with your name on it. To confirm your identity, there is also an annotation of the property mentioned in the title.

You are free to jazz up and make improvements to the property or keep it as is. You have control over your home. You can make modifications as you please, without having to worry about landlords or rental agreements.

Owning a home is more than just having a place to live. It’s about having something that you can call your own and make a reflection of your style and personality. You’ll also have pride in knowing that whenever someone comes over, they’ll see what an awesome job you did with the place!

Financial Freedom

If you don’t have to worry about rent increases and can use the equity for other investments, owning a home is a great way to build wealth. The potential for capital gains makes it even more attractive!

Read also: Why Bria House and Lot is considered the best Investment for Overseas Filipino Workers (OFWs)

What’s your final thoughts?

Make sure that every choice you make is worthwhile. Filipinos take pride in their work ethic and desire to enjoy it with their families. We are picky about where we invest our money for a variety of reasons, one of which is investing for the future. Indeed, there are more reasons why investing in real estate is a popular investment choice for many Filipinos. Many Filipinos have the aspiration of one day owning a home of their own, like you. Having thoughts of buying properties?

What are you waiting for? Now is the right time to make a smart choice and invest your hard-earned money. Once you have achieved financial stability, it’s nice to have a physical asset.

At Bria Homes, we have you covered if you want to invest in real estate property in the Philippines. Bria Homes will surely give you excellent help with buying homes.

Bria Homes provides quality and affordable housing to Filipino families. Perfectly built for everyday commuters who want a place that feels like a home for the first time in their lives can simply access our house-and-lot packages and for those who want to diversify their investment portfolio. Get your own BRIA Home now.