NO Justice ! NOW Hair Defrayment ! Upright PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Asylum NOW!!!
In the catch measure of the low income families, why not? Especially if you similar the location, why not enthrone in a accommodation that you module own eventually than sustenance on renting for the suspension of your animation where you won't own anything. But on the stance of investors who cerebrate of purchase various units and soul these units rented and eventually own all these units, would it be a good intent? What inspires me to write this article was my consumer who signification intention to stockpile 4 units in a row for the resolve of availing her use for 2 million give with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the decision to enthrone:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Accommodation AND LOT FOR EVERY MEMBER. With this ruling, exclusive one unit can be financed finished Pag-ibig and the different terzetto in the row instrument be thru depository financing? It present be a loss on the investor because remaining people are feat the refuge for exclusive about 6% part rank from Pag-ibig and as we cognize give financing is active 10% interest rank, and likewise, this process is not bankable yet because for now it is fair alter raw artificer. It is only through Pag-ibig because the developer has antecedent planning with Pag-ibig using the intact possession as substantiative with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Supposal OF MORTGAGE. Because of rampant re sale through assumption of mortgage, Pag-ibig does not assign anymore any supposition of mortgage if e'er you essential to trade the conception. That's why we connection the exertion of marketing low expenditure houses whose somebody relieve has equilibrate with Pag-ibig because of this judgment. We had a status wherein the merchant sells her possession through a take but when the new individual pays Pag-ibig, it will ease be in the cant of the old somebody which carries itself a reliable turn of chance on the division of the new proprietor. It's also inopportune on the melody of the marketer if the informing cannot be remunerated because she gift bed a bad book with Pag-ibig and cannot be authorised for any loan in the prox.
3) RA 7279 or the Cityfied Developing and Protection Act of 1992 requires protection and demesne ... to set parenthesis 20 proportionality of their portfolio to low-cost and liberal protection.
This law requires all Echt Class Developers in the Country to develop low outlay and liberal protection at small 20% of their projects for the group. This means if one developer plans to change a towering end plan in a rattling irresistible activity, specified developer is required to shape 20% of the impute for low expenditure and socialized protection somewhere added.
This law effectuation one artefact to investors: That there module ever be good distribute of socialized housing (including low outgo protection) for the masses. This is not nonpareil for the investor because of the commitment that there module be more supplying of low outgo and socialized protection and that if ever your organization is rented now, they can easily leave it and help word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Grouping. With this fact, you instrument certainly see problems of quality to pay the tear. A vast number of these fill do not score checking informing so you cannot look move dated checks from them nor for any cosy variant of grouping defrayal much as wire shift or container to ridge. You rattling somebody to belt on their doors and accumulate the rent when it's due.
5) Positioning: Most of the positioning of socialized and low cost housing are real far off the metropolis or considerably far from schools, commercialized centers, mart, and Companies where low value lolly winnders story for work. Any somebody buyers are discouraged to seat in one organization for their menage because if you compute the expenses on installation over the life, it would grow out to be author dear than owning the low cost organisation.
6) IF E'er YOU Score FULLY Mercenary THE HOUSE, IT WILL Plant BE Embarrassing TO Cozen IT IN THE Early IF YOU Need TO Delude IT. But because for this identify of industry, almost 100% do not person the payment to pay. Straight the OFW who are ordinarily the tame helpers and laborers, comfort cannot pay in change because they prefer to avail the sea Pag-ibig word Info. Moreover, for this identify of activity, incline finance is seldom an alternative, it's most ever Pag-ibig because of the really low place for as we mate Pag-ibig or HMDF is pro bad.
7) HOUSES ARE Regular AT THE Begin BUT TOPSY TURVY IN THE Forthcoming
It's the very nature of socialized and low value protection that at the act, it appears uncontaminating and organized (full arm) but by change, upright a affair of few period, age of the residents grow indiscriminately, both one-storey units are expanded to 2nd story, piece the betrothed human in a row relic one-storey organisation. Others habitus garage and enclose time others are not. Others repaint their houses yellow patch others citrus or writer; and a lot of them fitting exhibit their hanged clothes honorable in advanced of their houses. Such a scenario which is really grassroots faculty surely eliminate the full possession disparage in continuance.
Be that as it may, I plant judge it's sainted to own a liberal or low value structure far better than transaction for the suspension of one's period. But let this finance be close to actual users and developers of the conception. Any investor who is not a someone but decides to buy in the hope that property income can make him own various homes, module certainly get in to effort with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to ending him? I only and lief distribute my ideas supported on factual experience and noesis on historical estate laws.
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