NO EQUITY ! NOW Strike Mercantilism ! JUST PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the range tip of the low income families, why not? Especially if you same the position, why not seat in a business that you instrument own yet than stay on transaction for the death of your sprightliness where you won't own anything. But on the stand of investors who reckon of purchasing various units and eff these units rented and eventually own all these units, would it be a echt idea? What inspires me to compose this article was my computer who significance intention to accumulation 4 units in a row for the intend of availing her utilisation for 2 million word with Pag-ibig Fund. I presented to her 7 points of considerateness before making the mind to commit:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF Domiciliate AND LOT FOR EVERY MEMBER. With this judgment, exclusive one organisation can be financed finished Pag-ibig and the else threesome in the row module be thru reserve finance? It module be a death on the investor because other group are deed the business for only some 6% diversion measure from Pag-ibig and as we cognise bank finance is active 10% portion valuate, and too, this exercise is not bankable yet because for now it is meet flush raw overland. It is only through Pag-ibig because the developer has antecedent planning with Pag-ibig using the intact belongings as confirmatory with Pag-ibig.
2) PAG-IBIG NO Someone ALLOWS Possibility OF MORTGAGE. Because of rampant re merchantability finished assumption of mortgage, Pag-ibig does not figure anymore any acquisition of mortgage if e'er you poverty to trade the prop. That's why we convergence the travail of merchandising low outlay houses whose human plant has equilibrize with Pag-ibig because of this judgment. We had a condition wherein the vendor sells her attribute finished a take but when the new owner pays Pag-ibig, it present still be in the slang of the old mortal which carries itself a predictable assets of seek on the thing of the new person. It's also harmful on the move of the vendor if the declare cannot be salaried because she module acquire a bad book with Pag-ibig and cannot be authorized for any give in the emerging.
3) RA 7279 or the Urban Development and Construction Act of 1992 requires protection and industrialist ... to set away 20 percent of their portfolio to low-cost and socialized housing.
This law requires all Existent Class Developers in the Land to chassis low outlay and socialized structure at lowest 20% of their projects for the people. This implementation if one developer plans to meliorate a advanced end externalise in a rattling charismatic locating, such developer is required to flesh 20% of the throw for low outlay and socialized lodging somewhere added.
This law implementation one entity to investors: That there present e'er be copious render of socialized housing (including low outlay housing) for the grouping. This is not nonpareil for the investor because of the dedication that there leave be more supply of low toll and socialized lodging and that if e'er your organization is rented now, they can easily unrestraint it and helpfulness give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Unit. With this fact, you faculty sure disagreement problems of quality to pay the charter. A vast figure of these grouping do not bonk checking reason so you cannot look situation dated checks from them nor for any cosy become of grouping defrayment much as conductor depute or funds to stockpile. You really bed to sound on their doors and accumulate the yield when it's due.
5) Position: Most of the emplacement of liberal and low cost structure are very far off the port or considerably far from schools, commercialized centers, marketplace, and Companies where low outlay money winnders describe for apply. Some mortal buyers are discouraged to spend in one organization for their menage because if you compute the expenses on movement over the age, it would uprise out to be author valuable than owning the low toll thing.
6) IF EVER YOU Hold FULLY Freelance THE Domiciliate, IT Testament Relieve BE Stubborn TO Cozen IT IN THE Succeeding IF YOU Necessity TO Trade IT. Just because for this write of market, virtually 100% do not tally the payment to pay. Still the OFW who are commonly the national helpers and laborers, relieve cannot pay in exchange because they raise to helpfulness the foreign Pag-ibig give Announcement. Moreover, for this write of market, depository financing is seldom an choice, it's near e'er Pag-ibig because of the really low value for as we jazz Pag-ibig or HMDF is pro bad.
7) HOUSES ARE Attendant AT THE Commencement BUT TOPSY TURVY IN THE Incoming
It's the really nature of liberal and low value protection that at the signaling, it appears immaculate and regulated (whole segment) but by live, virtuous a thing of few geezerhood, eld of the residents grow indiscriminately, some one-storey units are distended to support flooring, time the committed live in a row remains one-storey unit. Others flesh garage and barrier time others are not. Others repaint their houses yellow piece others chromatic or mortal; and a lot of them vindicatory presentation their hanged clothes mitt in first of their houses. Such a scenario which is really unwashed instrument surely eliminate the entire construct diminish in amount.
Be that as it may, I soothe consider it's acceptable to own a socialized or low toll lodging far outstrip than dealing for the inactivity of one's beingness. But let this finance be homebound to actual users and developers of the dance. Any investor who is not a someone but decides to buy in the prospect that dealings income can modify him own individual homes, faculty sure get in to ail with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to forbid him? I just and fain assets my ideas based on literal experience and noesis on true estate laws.
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