In a time like now, would I still buy property in 2026?
With government and political noise, developers discontinuing projects, high inflation, global conflicts, and all the uncertainty around us, many people could be asking:
“Should I really invest now, or just hold on to cash?”
Cash is king naman talaga.
But for some people, keeping liquidity and staying conservative is the right decision.
I’ve had several clients decide not to push through with a purchase because of the reasons above, and I completely understand why.
But historically, some of the best buying opportunities happen during uncertain times: pandemic, recession, election, calamity, war, etc. Moments when people are fearful and hesitant.
However, para sa kin, not everyone should buy right now. I actually advised some friends to come up first with emergency fund, get insurance, memorial, etc before getting into real estate. Real estate is not something we could sell immediately if we need cash immediately.
But for those who still have room for long-term investment, here’s why I personally still believe in real estate:
- Real estate will always be a basic need.
For me talaga, almost every life plan is tied to where we want to live, today or in the future. A home, a retirement plan, a future rental property, a place for family. Shelter will always matter.
- Despite all the noise, the Philippine economy still has long-term growth drivers.
We continue to have:
• A young population that drives consumption
• record breaking OFW remittances
• Ongoing infrastructure development nationwide
The market would always be moody like now, but the long-term trajectory still matters.
- Real estate remains one of the best hedges against inflation.
As prices rise over time, real estate historically moves with it, especially here in the Philippines. The goal isn’t just appreciation, it’s protecting our purchasing power and staying ahead enough to continue living the life we want.
- Today’s payment terms are some of the most attractive I’ve seen in years.
Many developers are offering 25 to 30% discount for cash buyers, stretched payment terms at 0% interest, and early move-in terms where we can keep paying at 0% interest for 5 years, as if we’re renting. For buyers with good financial positioning or kahit hindi 😅, this can be an opportunity to lock in both price and terms while the market is cautious.
And generally in the Philippines, property prices rarely go below original launch prices over the long term. For anything that happens, it pauses, then continues to rise up.
At the end of the day, buying property is never just about timing the market perfectly.
It’s about:
• Your cash flow
• Your long-term plans
• Your risk appetite
• Your time horizon
• And whether the property genuinely makes sense for your life. (but sometimes talaga kahit hindi hehe)
Sometimes the best investment decisions don’t feel exciting when we make them.
You would just be surprised that it would make sense years later.
So to answer my own question hehe, in a time like now, would I still buy property in 2026? YES!
