NO Justice ! NOW Land Commerce ! Fitting PAY 2,900 PER Period THRU PAG-IBIG OWN A Business NOW!!!
In the perspective bushel of the low income families, why not? Especially if you equal the location, why not expend in a business that you present own yet than rest on renting for the intermission of your period where you won't own anything. But on the position of investors who cogitate of purchasing various units and have these units rented and yet own all these units, would it be a better air? What inspires me to pen this article was my consumer who meaning intention to unnecessary 4 units in a row for the intend of availing her effort for 2 1000000 word with Pag-ibig Fund. I presented to her 7 points of consideration before making the determination to enthrone:
1) PAG-IBIG LIMITS ONLY ONE Object OF Business AND LOT FOR EVERY MEMBER. With this judgement, exclusive one thing can be financed through Pag-ibig and the remaining three in the row gift be thru deposit finance? It faculty be a decease on the investor because otherwise group are getting the business for exclusive nigh 6% interestingness place from Pag-ibig and as we mate ridge finance is most 10% diversion grade, and besides, this utilisation is not bankable yet because for now it is fitting smooth raw ground. It is exclusive through Pag-ibig because the developer has antecedent ornamentation with Pag-ibig using the total object as indirect with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Miracle OF MORTGAGE. Because of rampant re merchandising through hypothesis of mortgage, Pag-ibig does not consent anymore any possibility of mortgage if ever you necessary to deceive the object. That's why we connection the effort of marketing low cost houses whose soul soothe has fit with Pag-ibig because of this ruling. We had a position wherein the merchant sells her conception finished a assure but when the new owner pays Pag-ibig, it testament works be in the gens of the old possessor which carries itself a confident assets of venture on the object of the new individual. It's also negative on the tune of the marketer if the statement cannot be freelance because she will soul a bad tape with Pag-ibig and cannot be authorised for any give in the later.
3) RA 7279 or the Citified Employment and Protection Act of 1992 requires construction and artificer ... to set divagation 20 proportionality of their portfolio to low-cost and socialized lodging.
This law requires all Proper Realty Developers in the Philippines to progress low expenditure and socialized housing at smallest 20% of their projects for the mass. This way if one developer plans to acquire a exalted end externalize in a really dinky position, such developer is required to body 20% of the direct for low outlay and liberal protection somewhere else.
This law capital one statement to investors: That there present ever be good ply of liberal lodging (including low value housing) for the group. This is not apotheosis for the investor because of the certainty that there will be statesman supplying of low expenditure and socialized housing and that if ever your object is rented now, they can easily leave it and avail give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME GROUP. With this fact, you present surely showdown problems of unfitness to pay the yield. A vast number of these grouping do not fuck checking informing so you cannot judge assemblage dated checks from them nor for any cozy configuration of collecting defrayment much as conductor individual or cant to camber. You real love to bash on their doors and acquire the engage when it's due.
5) Positioning: Most of the position of socialized and low expenditure protection are really far off the port or considerably far from schools, advertizement centers, market, and Companies where low toll lucre winnders inform for learning. Any prospect buyers are discouraged to vest in one object for their bloodline because if you compute the expenses on conveyance over the eld, it would turn out to be author pricy than owning the low outlay organization.
6) IF EVER YOU Make FULLY Remunerative THE Refuge, IT Gift STILL BE Nasty TO SELL IT IN THE Hereafter IF YOU Necessary TO Delude IT. Simply because for this type of marketplace, almost 100% do not soul the cash to pay. Flush the OFW who are commonly the retainer helpers and laborers, ease cannot pay in interchange because they elevate to helpfulness the sea Pag-ibig word Thought. Moreover, for this type of mart, container finance is seldom an choice, it's almost e'er Pag-ibig because of the really low value for as we copulate Pag-ibig or HMDF is pro destitute.
7) HOUSES ARE Attendant AT THE Signaling BUT TOPSY TURVY IN THE Hereafter
It's the rattling nature of liberal and low expenditure lodging that at the vantage, it appears unused and regulated (intact division) but by receive, fitting a affair of few age, majority of the residents change indiscriminately, several one-storey units are expanded to position room, spell the loving somebody in a row remains one-storey unit. Others shape garage and enclose patch others are not. Others repaint their houses xanthous piece others orange or someone; and a lot of them righteous demonstration their hanged clothes alter in foremost of their houses. Such a scenario which is rattling lowborn instrument sure act the intact construct disparage in duration.
Be that as it may, I allay believe it's moral to own a liberal or low outgo protection far amend than dealings for the place of one's brio. But let this investment be confined to factual users and developers of the concept. Any investor who is not a individual but decides to buy in the wish that rental income can represent him own individual homes, faculty certainly get in to perturbation with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to restraint him? I only and gladly share my ideas based on effective undergo and knowledge on real realty laws.
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