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https://www.globalpropertyguide.com/Asia/Philippines/Price-History
“Currently, housing loan rates charged by major commercial banks range from
4.99% to 7.5% for one-year fixed loans, and from 7.5% to 9.75% for ten-year
fixed mortgages.”
DMCI Homes can attract more potential buyers at the segment of the market they are
targeting when there are low mortgage rates trend prevailing. These potential buyers
come mostly from professionals and businessmen. The lower the mortgage rate, the lower
the down payment and interest a buyer of property must pay.
This ongoing promotion of PRA add-up to the market of DMCI Homes it can cater. It can
develop more properties that will provide for the needs of these retirees.
THREATS
1. Increasing intensity of competition among the industry's numerous players
"There are 4,826 businesses engage in real estate industry as of 2015, based on the
National QuickStat of PSA"
According to the National QuickStat conducted by the Philippine Statistics Authority
(PSA), there has been 4,826 establishments engaged in real estate activities as of 2015 -
an indication that DMCI homes must continue leveling up its marketability to stay ahead
of its rising number of competitors.
2. Heightened risk of flooding due to climate change
Based on projection of PAGASA as of 2011, heavy daily rainfall will continue to become
more frequent, as extreme rainfall is projected to increase in Luzon and Visayas in 2020
and 2050.
This pose a threat to the current occupants and to the existing projects itself of the DMCI
Homes when not handled properly.
3. The Big One
A big earthquake may strike the Philippines once the West Valley Fault moves. The west
valley fault traverses various parts of Metro Manila and surrounding provinces. This
includes Quezon City, Taguig, Pasig, Cavite, Muntinlupa and Laguna. Most of the
projects of DMCI Homes from high-rise condominiums to subdivisions -- new projects,
under construction, ready for occupancy -- are at these places.
This big earthquake that will definitely come poses threat to DMCI Homes in the form of
future losses.