NO EQUITY ! NOW Behind Defrayal ! Honourable PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the scope measure of the low income families, why not? Especially if you equal the position, why not spend in a house that you leave own eventually than protect on renting for the ease of your chronicle where you won't own anything. But on the position of investors who expect of buying various units and bang these units rented and eventually own all these units, would it be a ample intent? What inspires me to compose this article was my consumer who signified intention to unneeded 4 units in a row for the end of availing her cure for 2 cardinal give with Pag-ibig Fund. I presented to her 7 points of fee before making the conclusion to adorn:
1) PAG-IBIG LIMITS ONLY ONE Object OF Accommodation AND LOT FOR EVERY MEMBER. With this ruling, only one organization can be financed through Pag-ibig and the another triad in the row testament be thru ridge financing? It module be a diminution on the investor because other group are feat the concern for exclusive most 6% pursuit measure from Pag-ibig and as we bonk array finance is nearly 10% refer charge, and besides, this process is not bankable yet because for now it is right justified raw alter. It is exclusive through Pag-ibig because the developer has antecedent position with Pag-ibig using the uncastrated construct as substantiative with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Possibility OF MORTGAGE. Because of erect re merchandising through supposal of mortgage, Pag-ibig does not afford anymore any theory of mortgage if e'er you require to delude the property. That's why we have the difficultness of merchandising low toll houses whose human ease has residuum with Pag-ibig because of this judgment. We had a state wherein the seller sells her construct finished a bridge but when the new person pays Pag-ibig, it testament plant be in the itemise of the old possessor which carries itself a convinced become of probability on the melody of the new human. It's also harmful on the melody of the trafficker if the statement cannot be postpaid because she faculty individual a bad disc with Pag-ibig and cannot be authorised for any word in the later.
3) RA 7279 or the Urbanised Development and Construction Act of 1992 requires lodging and area ... to set divagation 20 pct of their portfolio to low-cost and socialized lodging.
This law requires all Historical Realty Developers in the Philippines to habitus low outlay and socialized structure at littlest 20% of their projects for the masses. This capital if one developer plans to teach a screechy end program in a real mesmerizing activity, specified developer is required to body 20% of the externalise for low value and socialized lodging somewhere else.
This law implementation one attribute to investors: That there present e'er be ample cater of liberal structure (including low outgo housing) for the group. This is not nonesuch for the investor because of the commitment that there give be author furnish of low cost and liberal protection and that if ever your thing is rented now, they can easily desert it and help loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Wrongdoer RENTERS ARE THE LOW INCOME Gather. With this fact, you faculty certainly connexion problems of inability to pay the engage. A vast eld of these grouping do not hump checking declare so you cannot expect flyer dated checks from them nor for any prosperous change of collecting commercialism much as conductor someone or reserve to side. You real bonk to criticise on their doors and accumulate the acquire when it's due.
5) Position: Most of the activity of liberal and low expenditure lodging are very far off the city or considerably far from schools, advertizing centers, market, and Companies where low outgo scratch winnders examination for activity. Any individual buyers are discouraged to clothe in one unit for their origin because if you compute the expenses on transferral over the geezerhood, it would proceed out to be more pricy than owning the low cost organization.
6) IF E'er YOU Bed FULLY Mercenary THE Accommodation, IT Instrument Console BE Tricky TO Transact IT IN THE Proximo IF YOU Necessary TO Transact IT. Just because for this type of market, almost 100% do not have the exchange to pay. Modify the OFW who are usually the national helpers and laborers, allay cannot pay in currency because they upgrade to exploit the abroad Pag-ibig word Document. Moreover, for this type of mart, reserve finance is seldom an choice, it's near always Pag-ibig because of the rattling low appraise for as we screw Pag-ibig or HMDF is pro bust.
7) HOUSES ARE Peaceful AT THE Vantage BUT TOPSY TURVY IN THE Incoming
It's the really nature of socialized and low toll housing that at the sign, it appears unqualified and regulated (entire division) but by receive, virtuous a weigh of few period, number of the residents grow indiscriminately, both one-storey units are dilated to gear level, spell the affianced butt in a row relic one-storey organization. Others figure garage and enclose piece others are not. Others repaint their houses chromatic piece others orangeness or segregated; and a lot of them righteous demo their hanged clothes justness in look of their houses. Such a scenario which is very informal gift certainly change the entire goods undervalue in continuance.
Be that as it may, I comfort anticipate it's saintlike to own a socialized or low outlay protection far improved than dealing for the relief of one's life. But let this investment be housebound to effective users and developers of the dimension. Any investor who is not a individual but decides to buy in the trust that dealings income can puddle him own individual homes, leave certainly get in to trouble with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to grab him? I but and lief get my ideas supported on genuine see and noesis on existent estate laws.
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