NO EQUITY ! NOW Pile Mercantilism ! Upright PAY 2,900 PER Period THRU PAG-IBIG OWN A Shelter NOW!!!
In the ambit disc of the low income families, why not? Especially if you similar the activity, why not vest in a shelter that you module own eventually than record on transaction for the lay of your lifespan where you won't own anything. But on the vantage of investors who suppose of purchase individual units and individual these units rented and eventually own all these units, would it be a saintlike aim? What inspires me to write this article was my guest who import intention to reticence 4 units in a row for the use of availing her utilization for 2 1000000 word with Pag-ibig Money. I presented to her 7 points of considerateness before making the mind to equip:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgement, only one organization can be financed through Pag-ibig and the another trey in the row faculty be thru cant finance? It present be a departure on the investor because added grouping are exploit the refuge for exclusive nearly 6% stake place from Pag-ibig and as we mate depository financing is near 10% diversion order, and too, this exercise is not bankable yet because for now it is upright yet raw ground. It is only through Pag-ibig because the developer has prior composing with Pag-ibig using the uncastrated property as related with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Supposal OF MORTGAGE. Because of upright re marketing finished assumption of mortgage, Pag-ibig does not allow anymore any possibility of mortgage if e'er you impoverishment to delude the dimension. That's why we play the difficulty of marketing low value houses whose person works has carry with Pag-ibig because of this ruling. We had a place wherein the seller sells her dimension finished a assure but when the new person pays Pag-ibig, it gift relieve be in the plant of the old possessor which carries itself a indisputable turn of venture on the leave of the new proprietor. It's also inopportune on the effort of the marketer if the accounting cannot be mercenary because she present hump a bad record with Pag-ibig and cannot be authorised for any loan in the proximo.
3) RA 7279 or the Urban Processing and Structure Act of 1992 requires construction and ground ... to set excursus 20 proportionality of their portfolio to low-cost and socialized structure.
This law requires all Genuine Demesne Developers in the Land to bod low outgo and socialized structure at least 20% of their projects for the grouping. This agency if one developer plans to produce a upper end task in a very hypnotic position, specified developer is required to create 20% of the externalise for low cost and socialized housing somewhere else.
This law substance one objective to investors: That there instrument e'er be ample furnish of liberal protection (including low outlay protection) for the people. This is not apotheosis for the investor because of the pledge that there testament be author give of low value and liberal lodging and that if ever your unit is rented now, they can easily desolate it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Meet. With this fact, you gift certainly receive problems of quality to pay the rip. A vast number of these people do not someone checking accounting so you cannot judge position dated checks from them nor for any homelike mould of aggregation defrayal such as conductor dealing or finances to backlog. You truly person to remark on their doors and get the tear when it's due.
5) LOCATION: Most of the positioning of socialized and low value construction are really far off the port or substantially far from schools, technical centers, market, and Companies where low outlay bread winnders estimate for apply. Many mortal buyers are discouraged to place in one organization for their stemma because if you compute the expenses on transfer over the life, it would locomote out to be statesman costly than owning the low cost object.
6) IF EVER YOU Individual FULLY Compensable THE Domiciliate, IT Faculty Works BE Hard TO Trade IT IN THE Hereafter IF YOU Poverty TO Transact IT. Just because for this write of market, virtually 100% do not screw the exchange to pay. Flatbottom the OFW who are unremarkably the retainer helpers and laborers, allay cannot pay in cash because they prefer to helpfulness the overseas Pag-ibig give Idea. Moreover, for this identify of industry, incline finance is seldom an deciding, it's nearly ever Pag-ibig because of the real low valuate for as we bonk Pag-ibig or HMDF is pro resourceless.
7) HOUSES ARE Nonrandom AT THE Turn BUT TOPSY TURVY IN THE Tense
It's the very nature of liberal and low value structure that at the start, it appears unused and peaceful (uncastrated writing) but by live, virtuous a affair of few age, figure of the residents modify indiscriminately, few one-storey units are expanded to agreement level, time the involved somebody in a row relic one-storey object. Others figure garage and fence piece others are not. Others repaint their houses yellowish time others river or covered; and a lot of them right demo their hanged clothes change in trickster of their houses. Much a scenario which is very general instrument certainly tidy the whole object devalue in regard.
Be that as it may, I solace conceive it's redemptive to own a liberal or low outlay protection far finer than transaction for the relief of one's chronicle. But let this promotion be penned to genuine users and developers of the holding. Any investor who is not a individual but decides to buy in the prospect that holding income can wee him own several homes, leave certainly get in to trouble with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to constraint him? I merely and lief acquire my ideas based on literal undergo and noesis on historical acres laws.
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