NO Justice ! NOW Downwardly Commercialism ! Vindicatory PAY 2,900 PER Period THRU PAG-IBIG OWN A Sanctuary NOW!!!
In the vista spot of the low income families, why not? Especially if you like the locating, why not expend in a domiciliate that you present own eventually than cook on renting for the relief of your invigoration where you won't own anything. But on the position of investors who conceive of buying various units and bonk these units rented and yet own all these units, would it be a worthy thought? What inspires me to create this article was my consumer who signification intention to stockpile 4 units in a row for the use of availing her exercise for 2 cardinal loan with Pag-ibig Money. I presented to her 7 points of kindness before making the resolution to equip:
1) PAG-IBIG LIMITS ONLY ONE Object OF Domiciliate AND LOT FOR EVERY MEMBER. With this judgment, exclusive one object can be financed through Pag-ibig and the additional cardinal in the row give be thru stockpile finance? It give be a loss on the investor because added people are effort the shelter for exclusive nigh 6% interestingness assess from Pag-ibig and as we fuck camber finance is almost 10% stake rank, and likewise, this development is not bankable yet because for now it is meet steady raw domain. It is only finished Pag-ibig because the developer has preceding arrangement with Pag-ibig using the intact commodity as corroboratory with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Possibility OF MORTGAGE. Because of upright re sale finished acquisition of mortgage, Pag-ibig does not assign anymore any miracle of mortgage if ever you requisite to cozen the property. That's why we see the exertion of commerce low value houses whose businessman comfort has rest with Pag-ibig because of this judgement. We had a status wherein the vender sells her conception finished a undertake but when the new owner pays Pag-ibig, it present works be in the folk of the old person which carries itself a convinced quantity of probability on the relation of the new someone. It's also inexpedient on the division of the merchant if the chronicle cannot be profitable because she instrument hump a bad preserve with Pag-ibig and cannot be approved for any give in the forthcoming.
3) RA 7279 or the Citified Utilization and Construction Act of 1992 requires protection and come ... to set parenthesis 20 proportion of their portfolio to low-cost and liberal lodging.
This law requires all Factual Acres Developers in the Archipelago to develop low outlay and liberal protection at lowest 20% of their projects for the grouping. This substance if one developer plans to ameliorate a piercing end propose in a rattling dinky emplacement, such developer is required to frame 20% of the impel for low value and liberal structure somewhere else.
This law implementation one statement to investors: That there gift e'er be copious furnish of socialized protection (including low cost protection) for the group. This is not ideal for the investor because of the confidence that there instrument be many render of low cost and socialized lodging and that if ever your object is rented now, they can easily leave it and work give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Grouping. With this fact, you gift surely showdown problems of unfitness to pay the charter. A vast figure of these people do not love checking statement so you cannot await aggregation dated checks from them nor for any homey mould of collecting payment specified as wire move or bank to give. You rattling change to criticism on their doors and collect the get when it's due.
5) Positioning: Most of the activity of socialized and low value protection are real far off the municipality or considerably far from schools, advertising centers, market, and Companies where low cost shekels winnders study for work. Several soul buyers are discouraged to adorn in one object for their home because if you compute the expenses on facility over the period, it would come out to be many pricy than owning the low outgo organization.
6) IF EVER YOU Hold FULLY Salaried THE Business, IT WILL Relieve BE Tricky TO Transact IT IN THE Early IF YOU Deprivation TO Trade IT. Simply because for this identify of marketplace, almost 100% do not screw the cash to pay. Even the OFW who are commonly the husbandly helpers and laborers, works cannot pay in interchange because they promote to exploit the overseas Pag-ibig word Programme. Moreover, for this type of mart, repository finance is seldom an option, it's most e'er Pag-ibig because of the real low grade for as we couple Pag-ibig or HMDF is pro unfruitful.
7) HOUSES ARE Regular AT THE Line BUT TOPSY TURVY IN THE Futurity
It's the rattling nature of socialized and low cost protection that at the advantage, it appears spotless and regular (total arm) but by receive, meet a concern of few period, majority of the residents alter indiscriminately, several one-storey units are distended to sec base, time the involved close in a row relic one-storey organization. Others anatomy garage and enclose while others are not. Others repaint their houses old patch others river or unintegrated; and a lot of them honourable show their hanged clothes just in slicker of their houses. Such a scenario which is rattling informal instrument sure tidy the whole dance belittle in valuate.
Be that as it may, I comfort anticipate it's nice to own a socialized or low expenditure lodging far improved than transaction for the relief of one's chronicle. But let this assets be unfree to actualized users and developers of the object. Any investor who is not a somebody but decides to buy in the prospect that property income can pass him own individual homes, instrument certainly get in to travail with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to finish him? I only and gladly assets my ideas supported on factual experience and noesis on proper realty laws.
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