Data Show Property Values Rise Over Time, Favoring Early Buyers

Kai Garden Residences in Mandaluyong City

Rising inflation fueled by oil price shocks linked to the Middle East war have prompted many Filipinos to hold back on major purchases, including property. 

 

Higher interest rates, driven by the Bangko Sentral ng Pilipinas’ (BSP) efforts to curb inflation, have added to the hesitation. 

 

For many, the question remains whether it is wiser to wait for more favorable conditions. 

 

But in the property market, waiting can come with its own set of costs. 

 

Real estate has long been considered a relatively low-risk way to preserve wealth, particularly during periods of high inflation when the value of cash erodes.  

 

Unlike bank deposits that yield low returns, property offers both stability and potential appreciation over time. 

 

This long-term growth is supported by data.  

 

Figures from the BSP show that residential property values can increase significantly over time. A condominium unit purchased in 2016, for example, was valued around 35 percent higher five years later. 

 

This underscores how property continues to appreciate even amid shifting economic conditions. 

Fairlane Residences in Pasig City

Long-Term Growth Remains Intact 

 

While growth may moderate during downturns, values tend to recover and move upward over the long run. 

 

Demand remains underpinned by the country’s growing population, urban migration, and the continuing need for housing. 

 

In this context, waiting for prices to decline sharply may not yield the expected benefit, as the broader trend points to rising valuations. 

 

At the same time, uncertain economic conditions can create opportunities for buyers. 

 

Some property owners may seek to liquidate assets quickly, opening the door to more negotiable prices or favorable payment terms. 

 

These situations can offer value for buyers who are financially prepared and ready to act. 

 

The current environment of rising interest rates also presents a tradeoff. 

 

While borrowing costs are higher, delaying a purchase may mean facing both higher property prices and potentially sustained elevated loan rates later on. 

 

Property prices are less likely to move down significantly, while interest rates are cyclical and may still ease in the future. 

Allegra Garden Place in Pasig City

Location Drives Values 

 

Location remains a key factor in determining value. 

 

Properties near business districts, transit-oriented communities, university towns, and major roads continue to command strong demand and better resale potential. 

 

Infrastructure development across the country is also strengthening the outlook for emerging areas, offering opportunities for long-term gains. 

 

Ultimately, the decision to buy property depends on financial readiness rather than perfect timing. 

 

For those with stable income and the capacity to invest, acting when a viable opportunity arises may be more beneficial than waiting for ideal conditions that may never fully materialize. 

 

In real estate, hesitation does not always lead to savings. In many cases, it simply means paying more later. 

 

DMCI Homes is the country’s first Quadruple A real estate developer, with projects in Mega Manila, Baguio City, Tuba in Benguet, San Juan in Batangas, Boracay, Cebu City, and Davao City. Each of its properties is built with world-standard craftsmanship borne from D.M. Consunji Inc.’s over 70 years of expertise in the construction and development industry.  

  

To learn more about DMCI Homes’ pre-selling and ready for occupancy projects, units for lease, and special promos, call (632) 5324-8888. You can also visit leasing.dmcihomes.com to know more about opportunities in leasing and rent-to-own programs of DMCI Homes. News and other updates are also posted on the company’s official website and social media accounts on Facebook, X, Instagram, and YouTube.