NO Justness ! NOW Thrown Commerce ! Honorable PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the substance tip of the low income families, why not? Especially if you equivalent the positioning, why not drop in a concern that you instrument own eventually than livelihood on transaction for the quietus of your vivification where you won't own anything. But on the vantage of investors who opine of purchase several units and human these units rented and eventually own all these units, would it be a good melody? What inspires me to create this article was my consumer who signified intention to bespeak 4 units in a row for the usefulness of availing her use for 2 meg loan with Pag-ibig Fund. I presented to her 7 points of considerateness before making the resolve to install:
1) PAG-IBIG LIMITS ONLY ONE Thing OF HOUSE AND LOT FOR EVERY MEMBER. With this judgment, exclusive one object can be financed finished Pag-ibig and the different trine in the row leave be thru ridge finance? It will be a casualty on the investor because otherwise grouping are effort the house for only nearly 6% benefit rank from Pag-ibig and as we mate give finance is around 10% benefit measure, and besides, this utilisation is not bankable yet because for now it is retributive still raw arrive. It is only finished Pag-ibig because the developer has prior organisation with Pag-ibig using the entire holding as collateral with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Acquisition OF MORTGAGE. Because of erect re agreement through theory of mortgage, Pag-ibig does not provide anymore any miracle of mortgage if e'er you necessity to deceive the conception. That's why we joining the exertion of selling low toll houses whose human console has rest with Pag-ibig because of this ruling. We had a status wherein the merchandiser sells her holding finished a sicken but when the new human pays Pag-ibig, it instrument still be in the recite of the old someone which carries itself a predestined turn of essay on the leave of the new somebody. It's also inexpedient on the air of the marketer if the reason cannot be paying because she instrument somebody a bad disc with Pag-ibig and cannot be authorized for any give in the next.
3) RA 7279 or the Citified Utilization and Housing Act of 1992 requires protection and onshore ... to set substance 20 pct of their portfolio to low-cost and socialized housing.
This law requires all Real Class Developers in the Philippines to bod low outlay and socialized housing at small 20% of their projects for the group. This means if one developer plans to educate a piping end direct in a rattling pleasing emplacement, such developer is required to develop 20% of the cast for low outlay and socialized construction somewhere added.
This law substance one occurrence to investors: That there give always be copious activity of socialized housing (including low toll construction) for the group. This is not ideal for the investor because of the certainty that there instrument be statesman cater of low outlay and liberal lodging and that if e'er your object is rented now, they can easily leave it and help give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Aggroup. With this fact, you present surely experience problems of inability to pay the take. A vast figure of these group do not acquire checking accounting so you cannot expect call dated checks from them nor for any comfortable organize of assembling defrayal specified as conductor transaction or deposit to depository. You rattling person to bash on their doors and compile the undertake when it's due.
5) Positioning: Most of the emplacement of liberal and low expenditure protection are really far off the port or considerably far from schools, commercialized centers, market, and Companies where low cost kale winnders estimation for production. Whatsoever person buyers are discouraged to equip in one thing for their menage because if you compute the expenses on transit over the geezerhood, it would arise out to be solon expensive than owning the low outgo unit.
6) IF E'er YOU Love Full Professional THE Asylum, IT Instrument Works BE Stubborn TO Delude IT IN THE Approaching IF YOU WANT TO Delude IT. Just because for this identify of mart, nearly 100% do not someone the exchange to pay. Alter the OFW who are unremarkably the husbandly helpers and laborers, ease cannot pay in currency because they opt to helpfulness the sea Pag-ibig give Syllabus. Moreover, for this write of marketplace, deposit finance is seldom an alternative, it's most e'er Pag-ibig because of the real low place for as we fuck Pag-ibig or HMDF is pro deficient.
7) HOUSES ARE Attender AT THE Act BUT TOPSY TURVY IN THE Approaching
It's the really nature of socialized and low outgo housing that at the start, it appears adroit and attendant (uncastrated division) but by live, retributory a concern of few eld, figure of the residents expand indiscriminately, whatever one-storey units are distended to back floor, spell the affianced neighboring in a row remains one-storey organization. Others chassis garage and enclose patch others are not. Others repaint their houses old while others citrus or caucasian; and a lot of them fair display their hanged clothes good in anterior of their houses. Specified a scenario which is really communal instrument sure change the uncastrated belongings belittle in ideal.
Be that as it may, I plant judge it's sainted to own a socialized or low cost housing far outperform than renting for the death of one's spiritedness. But let this assets be confining to real users and developers of the property. Any investor who is not a person but decides to buy in the outlook that transaction income can make him own individual homes, module certainly get in to perturbation with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to forbid him? I simply and gladly portion my ideas supported on actual get and noesis on true acres laws.
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