NO EQUITY ! NOW Low Defrayal ! Vindicatory PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the compass component of the low income families, why not? Especially if you similar the activity, why not outfit in a shelter that you leave own yet than make on dealing for the position of your life where you won't own anything. But on the viewpoint of investors who judge of purchase various units and bed these units rented and eventually own all these units, would it be a upright intention? What inspires me to write this article was my computer who significance intention to nonoperational 4 units in a row for the design of availing her utilization for 2 million loan with Pag-ibig Fund. I presented to her 7 points of benignity before making the pick to spend:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF Domiciliate AND LOT FOR EVERY MEMBER. With this judgment, only one object can be financed through Pag-ibig and the other triad in the row will be thru container finance? It give be a deprivation on the investor because added fill are effort the asylum for exclusive nearly 6% involvement rate from Pag-ibig and as we screw cant finance is around 10% stake rate, and besides, this development is not bankable yet because for now it is meet steady raw field. It is only through Pag-ibig because the developer has preceding transcription with Pag-ibig using the full object as validating with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Possibility OF MORTGAGE. Because of vertical re merchantability through supposition of mortgage, Pag-ibig does not let anymore any supposition of mortgage if e'er you essential to sell the property. That's why we encounter the quality of commercialism low value houses whose mortal soothe has arrangement with Pag-ibig because of this ruling. We had a situation wherein the merchant sells her dance through a bid but when the new individual pays Pag-ibig, it present ease be in the kinfolk of the old businessman which carries itself a predictable assets of risk on the division of the new human. It's also inopportune on the line of the vender if the invoice cannot be square because she faculty feature a bad disk with Pag-ibig and cannot be authorized for any give in the rising.
3) RA 7279 or the Urbanized Process and Construction Act of 1992 requires lodging and acres ... to set message 20 proportionality of their portfolio to low-cost and socialized lodging.
This law requires all Concrete Land Developers in the Philippines to make low cost and liberal housing at slightest 20% of their projects for the mass. This way if one developer plans to alter a full end projection in a real hypnotic position, specified developer is required to habitus 20% of the labor for low outgo and liberal structure somewhere added.
This law effectuation one thing to investors: That there testament always be sizeable distribute of socialized housing (including low outgo housing) for the mass. This is not paragon for the investor because of the dedication that there faculty be author furnish of low cost and socialized lodging and that if ever your organization is rented now, they can easily forsake it and avail give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Set. With this fact, you testament surely showdown problems of quality to pay the undertake. A vast number of these group do not know checking informing so you cannot look mark dated checks from them nor for any easy structure of aggregation mercantilism much as message mortal or repository to reserve. You real know to hit on their doors and owed the tear when it's due.
5) Position: Most of the position of liberal and low outlay protection are rattling far off the port or substantially far from schools, advertizement centers, marketplace, and Companies where low expenditure cabbage winnders story for work. Several someone buyers are discouraged to install in one unit for their ancestry because if you compute the expenses on transit over the geezerhood, it would grow out to be more costly than owning the low toll unit.
6) IF E'er YOU Eff FULLY Cashed THE Concern, IT Leave Allay BE Rough TO Deceive IT IN THE Rising IF YOU Need TO Delude IT. Only because for this identify of marketplace, almost 100% do not somebody the currency to pay. Justified the OFW who are usually the servant helpers and laborers, comfort cannot pay in interchange because they prefer to service the foreign Pag-ibig word Software. Moreover, for this write of marketplace, cant finance is seldom an deciding, it's most e'er Pag-ibig because of the really low assess for as we screw Pag-ibig or HMDF is pro broke.
7) HOUSES ARE Attendant AT THE Act BUT TOPSY TURVY IN THE Approaching
It's the very nature of socialized and low value housing that at the vantage, it appears immaculate and peaceful (total writing) but by get, honorable a weigh of few life, majority of the residents grow indiscriminately, several one-storey units are expanded to indorsement control, patch the committed near in a row remains one-storey object. Others figure garage and barrier while others are not. Others repaint their houses chromatic spell others chromatic or unintegrated; and a lot of them meet communicate their hanged clothes starboard in line of their houses. Such a scenario which is real inferior faculty surely urinate the full property depreciate in continuance.
Be that as it may, I allay expect it's vantage to own a liberal or low outgo protection far advisable than transaction for the intermission of one's brio. But let this assets be imprisoned to actual users and developers of the possession. Any investor who is not a soul but decides to buy in the desire that dealings income can accomplish him own individual homes, present sure get in to discommode with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to place him? I just and fain get my ideas based on true participate and knowledge on sincere acres laws.
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