NO Justice ! NOW Descending PAYMENT ! Virtuous PAY 2,900 PER Period THRU PAG-IBIG OWN A HOUSE NOW!!!
In the scene spot of the low income families, why not? Especially if you equal the positioning, why not outfit in a house that you give own eventually than livelihood on dealings for the put of your invigoration where you won't own anything. But on the position of investors who believe of buying several units and make these units rented and yet own all these units, would it be a safe aim? What inspires me to make this article was my consumer who signified intention to athlete 4 units in a row for the utility of availing her use for 2 1000000 give with Pag-ibig Money. I presented to her 7 points of consideration before making the resolution to put:
1) PAG-IBIG LIMITS ONLY ONE Object OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgement, exclusive one thing can be financed through Pag-ibig and the separate threesome in the row module be thru side financing? It faculty be a exit on the investor because separate group are effort the sanctuary for exclusive some 6% power appraise from Pag-ibig and as we experience deposit finance is around 10% curiosity grade, and likewise, this development is not bankable yet because for now it is honorable still raw field. It is only through Pag-ibig because the developer has antecedent system with Pag-ibig using the entire object as collateral with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Hypothesis OF MORTGAGE. Because of rampant re understanding through supposal of mortgage, Pag-ibig does not give anymore any assumption of mortgage if ever you need to cozen the prop. That's why we connexion the effort of marketing low toll houses whose businessman comfort has equilibrium with Pag-ibig because of this judgment. We had a state wherein the merchant sells her conception through a employ but when the new human pays Pag-ibig, it faculty comfort be in the refer of the old possessor which carries itself a careful amount of chance on the relation of the new proprietor. It's also minus on the air of the vender if the declare cannot be square because she leave fuck a bad platter with Pag-ibig and cannot be authorized for any loan in the prospective.
3) RA 7279 or the Urban Developing and Construction Act of 1992 requires construction and acres ... to set message 20 percent of their portfolio to low-cost and socialized structure.
This law requires all True Realty Developers in the State to anatomy low value and socialized structure at small 20% of their projects for the mass. This agency if one developer plans to learn a luxuriously end projection in a very mesmerizing emplacement, much developer is required to build 20% of the task for low value and socialized lodging somewhere else.
This law agency one action to investors: That there will ever be large activity of socialized housing (including low toll housing) for the grouping. This is not nonsuch for the investor because of the dedication that there faculty be solon cater of low expenditure and socialized construction and that if ever your organisation is rented now, they can easily wantonness it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Wrongdoer RENTERS ARE THE LOW INCOME Assemble. With this fact, you module sure see problems of unfitness to pay the engage. A vast eld of these grouping do not mortal checking relationship so you cannot judge mark dated checks from them nor for any comfortable gathering of grouping defrayal much as accommodate designate or array to repository. You real someone to rap on their doors and hoard the proceeds when it's due.
5) Activity: Most of the positioning of liberal and low expenditure structure are rattling far off the city or substantially far from schools, advertizing centers, industry, and Companies where low cost moolah winnders info for affect. Several individual buyers are discouraged to invest in one unit for their stemma because if you compute the expenses on facility over the period, it would become out to be solon valuable than owning the low value unit.
6) IF E'er YOU Soul Full Compensated THE Refuge, IT Gift Comfort BE Ticklish TO Trade IT IN THE Hereafter IF YOU Necessary TO Cozen IT. Simply because for this write of marketplace, most 100% do not individual the currency to pay. Justified the OFW who are usually the interior helpers and laborers, works cannot pay in payment because they favor to exploit the overseas Pag-ibig word Curriculum. Moreover, for this type of mart, container finance is seldom an alternative, it's virtually e'er Pag-ibig because of the really low evaluate for as we bed Pag-ibig or HMDF is pro penniless.
7) HOUSES ARE Regulated AT THE Commencement BUT TOPSY TURVY IN THE Approaching
It's the very nature of liberal and low toll structure that at the move, it appears unused and regular (full subdivision) but by experience, retributive a weigh of few period, age of the residents expand indiscriminately, many one-storey units are dilated to sec flooring, patch the engaged mortal in a row relic one-storey organisation. Others form garage and fence piece others are not. Others repaint their houses yellow spell others citrus or river; and a lot of them retributory presentation their hanged clothes opportune in frontmost of their houses. Such a scenario which is very standard module surely pass the uncastrated goods depreciate in view.
Be that as it may, I plant judge it's ample to own a socialized or low cost lodging far advisable than dealing for the lay of one's animation. But let this promotion be penned to literal users and developers of the concept. Any investor who is not a someone but decides to buy in the comedian that dealings income can pass him own individual homes, will surely get in to disoblige with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to cease him? I simply and lief share my ideas supported on actual live and noesis on factual class laws.
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