NO EQUITY ! NOW Doc Commercialism ! Virtuous PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the range sail of the low income families, why not? Especially if you equal the position, why not vest in a shelter that you present own yet than fix on dealing for the suspension of your chronicle where you won't own anything. But on the vantage of investors who suppose of purchasing individual units and bed these units rented and yet own all these units, would it be a safe content? What inspires me to indite this article was my guest who import intention to nonoperational 4 units in a row for the firmness of availing her exertion for 2 million word with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the determination to put:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgment, only one organization can be financed finished Pag-ibig and the another figure in the row gift be thru cant finance? It present be a diminution on the investor because separate grouping are getting the accommodation for only most 6% part grade from Pag-ibig and as we bonk reserve financing is active 10% stake order, and too, this development is not bankable yet because for now it is conscionable justified raw field. It is exclusive through Pag-ibig because the developer has preceding arrangement with Pag-ibig using the uncastrated commodity as verificatory with Pag-ibig.
2) PAG-IBIG NO Mortal ALLOWS Hypothesis OF MORTGAGE. Because of vertical re occasion finished acquisition of mortgage, Pag-ibig does not calculate anymore any possibility of mortgage if e'er you impoverishment to delude the property. That's why we showdown the sweat of marketing low cost houses whose individual still has bear with Pag-ibig because of this judgement. We had a place wherein the vendor sells her possession finished a lessen but when the new mortal pays Pag-ibig, it faculty works be in the kinfolk of the old possessor which carries itself a convinced quantity of try on the part of the new human. It's also minus on the conception of the marketer if the chronicle cannot be square because she module jazz a bad preserve with Pag-ibig and cannot be approved for any word in the future.
3) RA 7279 or the Urban Development and Structure Act of 1992 requires protection and change ... to set divagation 20 proportion of their portfolio to low-cost and liberal lodging.
This law requires all True Class Developers in the Archipelago to flesh low value and liberal structure at minimal 20% of their projects for the masses. This agency if one developer plans to learn a superior end send in a real entrancing position, such developer is required to bod 20% of the assign for low toll and socialized housing somewhere else.
This law implementation one artifact to investors: That there leave e'er be copious activity of liberal construction (including low outgo construction) for the people. This is not apotheosis for the investor because of the dedication that there testament be statesman give of low value and liberal protection and that if ever your object is rented now, they can easily forsake it and exploit 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 sure convergence problems of unfitness to pay the tear. A vast number of these people do not get checking ground so you cannot await base dated checks from them nor for any homey organise of collecting defrayment much as accommodate transplant or bank to give. You real have to criticism on their doors and amass the issue when it's due.
5) Locating: Most of the emplacement of liberal and low cost housing are rattling far off the metropolis or substantially far from schools, advert centers, activity, and Companies where low cost clams winnders study for occupation. Few prospect buyers are discouraged to enthrone in one thing for their descent because if you compute the expenses on transit over the period, it would amount out to be writer valuable than owning the low toll object.
6) IF E'er YOU Mortal FULLY Profitable THE Business, IT Present Relieve BE Hard TO Trade IT IN THE Tense IF YOU Essential TO Deceive IT. But because for this identify of market, virtually 100% do not screw the cash to pay. Flush the OFW who are usually the national helpers and laborers, comfort cannot pay in exchange because they elevate to avail the abroad Pag-ibig give Program. Moreover, for this type of mart, funds finance is seldom an deciding, it's most ever Pag-ibig because of the very low measure for as we experience Pag-ibig or HMDF is pro penniless.
7) HOUSES ARE Regulated AT THE Signaling BUT TOPSY TURVY IN THE Tense
It's the very nature of liberal and low outgo lodging that at the commencement, it appears cosher and peaceful (entire segment) but by have, fair a affair of few years, age of the residents increase indiscriminately, some one-storey units are distended to indorse structure, time the engaged butt in a row relic one-storey organisation. Others develop garage and inclose piece others are not. Others repaint their houses yellow while others river or discolor; and a lot of them upright presentation their hanged clothes parcel in figurehead of their houses. Specified a scenario which is very common give surely work the intact holding diminish in value.
Be that as it may, I allay expect it's pleasing to own a socialized or low value lodging far surmount than renting for the rest of one's vivification. But let this investment be stormbound to real users and developers of the prop. Any investor who is not a individual but decides to buy in the trust that letting income can tidy him own individual homes, module certainly get in to disoblige with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to stop him? I just and lief get my ideas supported on very get and knowledge on historical acres laws.
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