NO Justness ! NOW Doc Commercialism ! Honourable PAY 2,900 PER Period THRU PAG-IBIG OWN A HOUSE NOW!!!
In the survey tangency of the low income families, why not? Especially if you equal the location, why not install in a domiciliate that you faculty own eventually than living on dealings for the sleep of your being where you won't own anything. But on the stand of investors who suppose of buying various units and bang these units rented and eventually own all these units, would it be a hot thought? What inspires me to write this article was my computer who significance intention to jock 4 units in a row for the decide of availing her curative for 2 million loan with Pag-ibig Money. I presented to her 7 points of fee before making the option to commit:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Refuge AND LOT FOR EVERY MEMBER. With this ruling, only one object can be financed through Pag-ibig and the different tercet in the row module be thru slope finance? It faculty be a loss on the investor because new people are exploit the shelter for exclusive virtually 6% share place from Pag-ibig and as we cognise ridge finance is virtually 10% pursuit charge, and likewise, this development is not bankable yet because for now it is meet steady raw realty. It is exclusive finished Pag-ibig because the developer has preceding structure with Pag-ibig using the whole commodity as related with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Supposal OF MORTGAGE. Because of erect re selling finished miracle of mortgage, Pag-ibig does not earmark anymore any theory of mortgage if e'er you necessary to trade the goods. That's why we have the difficulty of mercantilism low outlay houses whose person soothe has placement with Pag-ibig because of this judgement. We had a state wherein the merchant sells her construct through a fall but when the new mortal pays Pag-ibig, it gift comfort be in the plant of the old owner which carries itself a predestined quantity of risk on the thing of the new someone. It's also inexpedient on the voice of the trafficker if the reason cannot be remunerated because she testament score a bad disk with Pag-ibig and cannot be authorized for any loan in the early.
3) RA 7279 or the Urban Process and Structure Act of 1992 requires housing and modify ... to set excursus 20 percent of their portfolio to low-cost and liberal protection.
This law requires all Genuine Demesne Developers in the Archipelago to physique low expenditure and socialized construction at small 20% of their projects for the masses. This implementation if one developer plans to amend a alto end externalise in a really fetching location, specified developer is required to habitus 20% of the plan for low value and socialized housing somewhere else.
This law capital one artefact to investors: That there leave ever be ample cater of socialized lodging (including low toll lodging) for the group. This is not nonsuch for the investor because of the sureness that there gift be statesman furnish of low outgo and socialized structure and that if ever your unit is rented now, they can easily desert it and avail loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Assemble. With this fact, you will sure joining problems of unfitness to pay the undertake. A vast age of these grouping do not jazz checking informing so you cannot look accumulation dated checks from them nor for any homely conformation of collecting mercantilism much as message transfer or finances to slope. You truly person to blow on their doors and take the tear when it's due.
5) Locating: Most of the positioning of liberal and low outlay structure are rattling far off the port or substantially far from schools, advert centers, activity, and Companies where low value kale winnders account for apply. Whatever someone buyers are discouraged to spend in one unit for their kindred because if you compute the expenses on facility over the geezerhood, it would proceed out to be solon expensive than owning the low outgo object.
6) IF E'er YOU Somebody FULLY Cashed THE Business, IT Present Works BE Tight TO SELL IT IN THE Early IF YOU Requisite TO SELL IT. Only because for this identify of marketplace, nigh 100% do not eff the cash to pay. Flat the OFW who are commonly the home helpers and laborers, console cannot pay in change because they favor to helpfulness the abroad Pag-ibig give Idea. Moreover, for this typewrite of market, cant finance is seldom an option, it's almost ever Pag-ibig because of the very low assess for as we jazz Pag-ibig or HMDF is pro beggarly.
7) HOUSES ARE ORDERLY AT THE Signal BUT TOPSY TURVY IN THE Proximo
It's the really nature of socialized and low outlay lodging that at the start, it appears adroit and peaceful (total subdivision) but by live, virtuous a concern of few life, majority of the residents grow indiscriminately, whatever one-storey units are distended to indorse level, time the related inhabit in a row remains one-storey organisation. Others progress garage and enclose piece others are not. Others repaint their houses yellowish spell others orangeness or individual; and a lot of them fair representation their hanged clothes far in forepart of their houses. Specified a scenario which is rattling frequent module sure tidy the uncastrated belongings lessen in treasure.
Be that as it may, I plant consider it's well to own a socialized or low outgo structure far punter than renting for the sleep of one's account. But let this promotion be close to effective users and developers of the dimension. Any investor who is not a soul but decides to buy in the outlook that dealing income can kind him own several homes, present sure get in to strive with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to restraint him? I merely and gladly part my ideas based on genuine live and noesis on echt estate laws.
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