Each year millions of houses are bought and sold, but such events are irrelevant. Why? There are more or less 4.6 Millions of families are homeless in Philippines alone. And yet increasing because of massive foreclosures as a result of unstable income. No one can ever predict with certainty what can happen in the future. You may encounter a personal financial crisis such as job loss or illness that can impair your ability to pay your bills, including your mortgage. That is why we should be able to know our own purchasing power when buying a home or any real estate investments.