To Buy or To Rent? Know What's Ideal For You

Last Updated Jun 16, 10:06 AM

The rent versus buy debate has been a never-ending discussion among Filipinos who consider a house a hallmark of the ‘Filipino Dream’. With market volatility at its peak, it may be hard to decide which path to take on your residential journey. Here are key questions that might help you figure out what the best option is for you and your current situation.

Question 1: How do you plan to build your wealth?

BUYING: Residential property will always be a good investment with promising returns. With the right location and development potential, the value of any residential property will certainly rise. If you have available funds for upfront and maintenance costs, buying now is definitely a good step. And if you are disciplined in making monthly loan payments, it can even be a way of enforcing you to save rather than spend.

RENTING: If you have limited funds but still want to save up, a rental is going to be your ideal route. With low upkeep costs and zero interests to settle, it will allow you to save enough money until such time you find the right real estate investment.

Question 2: Are you itching for stability or flexibility?

BUYING: Owning a home can give you a strong sense of security and stability. When you have your own property, no one can force you to move out due to unforeseeable circumstances such as career change, rental disagreements, or rental increase. Buying a home may also precede all your life decisions which is good if you are the decisive and determined type who doesn’t really want to make life more complicated.

RENTING: Renting gives you the freedom to choose the kind of life you’d like to live at present without the pressure of staying put in one place. With renting, you can choose and live in a property you love but might not be able to afford or even move houses or locations whenever you want. Renting is also an advantage as you progress to different life seasons or grow your family. In short, renting a house suits all your changing needs and evolving pursuits.

Question 3: Do you yearn to make a house your own?

BUYING: If you’re the type who is inclined to renovate or fix up a space to match your personality, it’s smarter to just buy your own home. With your own home, you can do whatever you like to do without any set of restrictions.

RENTING: Although renting offers flexibility on location or type of house to live in, it may limit you to design the kind of living space you like and need. Modifying your space may take a step back until you finally have your own home. Restrictions on rentals may include modifying, painting, or even owning a pet to live with you in the property.


OnePropertee lists both for sale and rental properties. With its network of brokers and agents, you can easily start your real estate journey anytime you choose. For more listings, check out onepropertee.com.

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