English Conversation Practice (Rent or buy a house?) Improve English Speaking Skills

hello Felipe I'm happy you  came come in take a seat

hello Felipe I'm happy you came in take a seat

please hello Richard wow it's the first  time I come to your apartment I like it  

please hello Richard wow first time ko pumunta sa apartment mo I like it

thank you it is next to the beach  we can go there later if you want

thank you it is next to the beach we can go there later if you want

yeah sure but I need to ask you  something how much does this apartment

yeah sure but I need to ask you something how much does this apartment

cost I would really like to buy an apartment  like this it must be really expensive

cost I would really like to buy a apartment like this it must be really expensive

right I don't know I think it's  $200,000 or something like that  

right I don't know I think it's $200,000 or something like that

I am not the owner I just rent this apartment  I don't know the price but yeah I suppose  

hindi ako ang may-ari I just rent this apartment I hindi ko alam ang presyo pero oo sa palagay ko

it's expensive seriously I can't believe  you and how much do you pay to rent this

ito ay mahal seryoso hindi ako makapaniwala sa iyo at kung magkano ang binabayaran mo sa pagrenta ng

apartment $1,000 approximately  comes with garage and

apartment na ito ay humigit-kumulang $1,000 ay may kasamang garahe at

storage one $1,000 M that's not cheap well for

imbakan ng isang $1,000 M na hindi mura para sa

me with that amount of money why  don't you better buy this or other

akin sa ganoong halaga ng pera why don't you better buy this or other

apartment I mean isn't it better to buy  your own house why are you renting this

apartment I mean isn't better to buy your own house why are you rerent this

apartment that's how I also thought in the past  but then I understood that it's not better to

apartment ganyan din ang iniisip ko dati but then I understand that it's not better to

buy I prefer to rent that's much better  in my opinion in my case it suits me

buy I prefer to rent that's much better in my opinion in my case it suits me

better now I don't think so with money  you can be paying for a house your own

now I don't think so with money you can be paying for a house your own

house how can you say it's better to  rent explain it to me please because  

house how can you say it's better to rent explain it to me please because

I don't get it all right for some renting is  considered throwing money away while buying is  

I don' hindi maayos para sa ilang pagrenta ay itinuturing na nagtatapon ng pera habang ang pagbili ay

an investment the truth is the answer to rent  versus buy question is much more complex than

isang pamumuhunan ang katotohanan ay ang sagot sa upa laban sa pagbili ay mas kumplikado kaysa

that it's more like which size fits  me I will explain it to you as I said  

sa ito ay higit pa sa kung anong sukat ang akma sa akin ipapaliwanag ko ito sa iyo tulad ng sinabi ko

before the biggest myth about renting  is that you're throwing away money every

bago ang pinakamalaking mitolohiya tungkol sa pag-upa ay na nagtatapon ka ng pera bawat

month this is not true after all you need a  place to live and that always cost money in one  

buwan hindi ito totoo pagkatapos ng lahat na kailangan mo ng isang tirahan at palaging nagkakahalaga ng pera sa isang

way or another while it's true that you aren't  building Equity with monthly rent payments not  

paraan o iba pa habang totoo na hindi ka nagtatayo ng Equity na may buwanang mga pagbabayad sa upa hindi

all the cost of home ownership always go toward  building Equity when you rent you know exactly  

lahat ng halaga ng pagmamay-ari ng bahay ay laging napupunta sa pagtatayo ng Equity kapag nagrenta ka alam mo nang eksakto

your housing cost each month but one advantage  is no maintenance costs or repair bills that's  

ang halaga ng iyong pabahay bawat buwan ngunit ang isang bentahe ay walang mga gastos sa pagpapanatili o mga bayarin sa pagkumpuni na

excellent one of the benefits of renting a home  is that there are no maintenance cost or repair  

napakahusay isa sa mga benepisyo ng pag-upa ng bahay ay ang walang gastos sa pagpapanatili o

bills this means that when you rent a property  your landlord assumes full responsibility for  

mga bayarin sa pagkukumpuni nangangahulugan ito na kapag nagrenta ka ng ari-arian ang iyong kasero ay umaako ng buong responsibilidad para sa

all maintenance Improvement and repairs if an  appliance stops working or your roof starts to

lahat ng pagpapanatili Pagpapaganda at pagkukumpuni kung ang isang appliance ay tumigil sa paggana o ang iyong bubong ay nagsimulang

leak you call the landlord who is required to fix  

tumulo tawagan mo ang may-ari na kinakailangang ayusin

or replace it I like that another Advantage is  no real estate taxes one of the major benefits  

o palitan ito gusto ko iyon isa pang Bentahe ay walang mga buwis sa real estate isa sa mga pangunahing benepisyo

of renting versus owning is that renters  don't have to pay property taxes in some  

ng pagrenta kumpara sa pagmamay-ari ay ang mga nangungupahan ay hindi kailangang magbayad ng mga buwis sa ari-arian sa ilang

areas the cost associated with property taxes  can amount to thousands of dollars each year  

mga lugar ang gastos na nauugnay sa mga buwis sa ari-arian ay maaaring umabot ng libu-libong dolyar bawat taon

what else oh I know more flexibility as to  where to live renters can live practically

ano pa oh alam ko pa kakayahang umangkop sa kung saan maninirahan Ang mga nangungupahan ay maaaring manirahan kahit

anywhere while home owners are restricted  to areas where they can afford to buy  

saan habang ang mga may-ari ng bahay ay limitado sa mga lugar kung saan sila ay kayang bumili,

that's too bad although rents can be  high in areas where home values are  

iyon ay masyadong masama kahit na ang mga upa ay maaaring mataas sa mga lugar kung saan ang mga halaga ng bahay ay

also High renters are more apt to to find an  affordable monthly payment than home buyers

mataas din Ang mga nangungupahan ay mas madaling makahanap ng abot-kayang buwanan kabayaran kaysa sa mga bumibili ng bahay

seriously also the flexibility to  downsize renters have the option to

sineseryoso din ang flexibility na bawasan ang laki ng mga nangungupahan ay may opsyon na

downsize to more affordable living  spaces at the end of their lease this  

mag-downsize sa mas abot-kayang mga tirahan sa pagtatapos ng kanilang pag-upa ang ganitong

kind of flexibility is especially  especially important for people  

uri ng flexibility ay lalong mahalaga para sa mga taong

who want a less costly smaller  alternative that matches their

gusto ng mas murang mas maliit na alternatibo na tumutugma sa kanilang

budget for example me now I am  paying $1,000 for this beautiful

badyet halimbawa. ako ngayon ay nagbabayad ako ng $1,000 para sa magandang

apartment but if something happens or if I want  I can move to a cheaper apartment whenever I want  

apartment na ito ngunit kung may mangyari o kung gusto ko maaari akong lumipat sa isang mas murang apartment kung kailan ko

want now you know what is my favorite reason  to rent this apartment rather than buying

gusto ngayon alam mo na kung ano ang aking paboritong dahilan upang magrenta ng apartment na ito kaysa sa pagbili

it no down payment yeah renters generally have  to pay a security deposit that that is equal  

nito nang walang paunang bayad yeah mga nangungupahan sa pangkalahatan ay kailangang magbayad ng security deposit na katumbas

to one month rent and that's usually  all this deposit is returned to them  

ng isang buwang upa at iyon ay kadalasang ibinabalik sa kanila ang lahat ng depositong ito

when they move out provided  they haven't damaged the rental

kapag umalis sila sa kondisyon na hindi nila napinsala ang paupahang

property when purchasing a home with a Mortage  you are required to have a sizable down payment  

ari-arian kapag bumili ng bahay na may Mortage na kailangan mong magkaroon. isang malaking paunang bayad

typically around 20% of the properties  value that's a lot of money my friend

na karaniwang humigit-kumulang 20% ​​ng halaga ng mga ari-arian na napakalaking pera kaibigan ko,

I had that money yeah I  could buy a house I had saved

mayroon akong pera oo kaya kong bumili ng bahay na nakaipon ako

$220,000 but instead of using that money for  a down payment on a house I decided to invest

ng $220,000 ngunit sa halip na gamitin ang perang iyon para sa paunang bayad sa isang bahay ay nagpasya akong mamuhunan

it I started my own business with that and I also  invested in other things and it worked for me  

Nagsimula ako ng sarili kong negosyo niyan at nag-invest din ako sa ibang mga bagay at ito ay nagtrabaho para sa akin

now I have my business and maybe in the  future I could buy a house with the money it

ngayon mayroon akong negosyo at baka sa hinaharap ay makakabili ako ng bahay gamit ang pera na

produces that's interesting you know I was saving  money to buy my own house it was my dream but now  

nagagawa nito na kawili-wili alam mo na nag-iipon ako ng pera para bilhin sarili kong bahay ang pangarap ko pero ngayon

that you told me about the benefits of renting  a house I think I will better rent well wait a  

that you told me about the benefits of rent a house I think I will better rent well wait a

minute it is not for everyone if you like  businesses and you can work hard then you  

minute hindi naman para sa lahat kung gusto mo ng negosyo at pwede kang magtrabaho ng husto then you

can choose that option but you need to  educate yourself before investing that  

can choose that option but you need to educate yourself before investing that

money if you don't have the financial education  to make that money grow it's better not to do

pera kung wala kang pinansiyal na edukasyon para lumaki ang pera na iyon mas mabuting huwag na lang

it better buy the that house and thus you will  pay the fee month after month along with the

bumili ng bahay na iyon at sa gayon ay babayaran mo ang bayad buwan-buwan kasama ang

interest as I told you before it's not for  everyone plus buying a house has also its

interes gaya ng sinabi ko sa iyo noon na hindi ito para sa lahat plus buying a house has also its

benefits really and what are  those benefits I want to know

benefits talaga and what are those benefits I want to know

please well there are many of them maybe  after you listen to me you can take a better

please well marami naman siguro after mo makinig sa akin you can take a better

decision but it will have to be in another  video because we don't have time now I'm

decision but it will have to be in another video kasi we don't have time now I'm

sorry oh damn it okay what do you say guy is  it better to rent or own a house I hope you  

sorry oh damn it okay ano masasabi mo guy is it better to rent or own a house Sana

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