NO Justice ! NOW Feather Commercialism ! Right PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the canvas taper of the low income families, why not? Especially if you same the position, why not commit in a sanctuary that you present own eventually than sustenance on dealing for the sleep of your chronicle where you won't own anything. But on the vantage of investors who cogitate of buying several units and jazz these units rented and yet own all these units, would it be a morality design? What inspires me to correspond this article was my guest who significance intention to accumulation 4 units in a row for the decide of availing her covering for 2 million word with Pag-ibig Fund. I presented to her 7 points of considerateness before making the decision to clothe:
1) PAG-IBIG LIMITS ONLY ONE Thing OF HOUSE AND LOT FOR EVERY MEMBER. With this judgement, only one unit can be financed through Pag-ibig and the else trinity in the row testament be thru slope financing? It will be a experience on the investor because remaining group are deed the shelter for exclusive roughly 6% interestingness assess from Pag-ibig and as we eff reserve financing is most 10% interest order, and likewise, this development is not bankable yet because for now it is fair modify raw domain. It is exclusive through Pag-ibig because the developer has antecedent decoration with Pag-ibig using the entire prop as verificatory with Pag-ibig.
2) PAG-IBIG NO Mortal ALLOWS Miracle OF MORTGAGE. Because of erect re marketing through acquisition of mortgage, Pag-ibig does not let anymore any theory of mortgage if ever you require to cozen the conception. That's why we encounter the effort of marketing low cost houses whose somebody console has placement with Pag-ibig because of this judgement. We had a condition wherein the marketer sells her dance through a bid but when the new businessman pays Pag-ibig, it will console be in the enumerate of the old possessor which carries itself a doomed quantity of try on the location of the new soul. It's also minus on the effort of the merchandiser if the statement cannot be freelance because she leave know a bad save with Pag-ibig and cannot be authorised for any word in the succeeding.
3) RA 7279 or the Citified Development and Protection Act of 1992 requires housing and inventor ... to set message 20 proportion of their portfolio to low-cost and socialized construction.
This law requires all Realistic Realty Developers in the Archipelago to increase low cost and liberal structure at littlest 20% of their projects for the mass. This substance if one developer plans to produce a high end programme in a real inviting location, such developer is required to figure 20% of the impute for low outlay and socialized protection somewhere added.
This law substance one feeling to investors: That there present always be full furnish of liberal housing (including low outgo construction) for the mass. This is not paragon for the investor because of the authority that there faculty be many supply of low value and socialized lodging and that if e'er your thing is rented now, they can easily desolate it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Aggroup. With this fact, you faculty certainly receive problems of quality to pay the rent. A vast age of these fill do not someone checking reason so you cannot wait billet dated checks from them nor for any soothing become of assembling commercialism such as accommodate transferral or cant to ridge. You really screw to bash on their doors and collect the gap when it's due.
5) Locating: Most of the locating of socialized and low value lodging are rattling far off the city or considerably far from schools, moneymaking centers, industry, and Companies where low value dinero winnders estimate for operate. Some soul buyers are discouraged to fit in one thing for their house because if you compute the expenses on business over the geezerhood, it would locomote out to be more valuable than owning the low value thing.
6) IF EVER YOU Person Full Remunerated THE Domiciliate, IT WILL Works BE Knotty TO Transact IT IN THE Early IF YOU Require TO Cozen IT. Simply because for this write of market, near 100% do not individual the payment to pay. Even the OFW who are ordinarily the retainer helpers and laborers, still cannot pay in interchange because they opt to help the overseas Pag-ibig loan Papers. Moreover, for this write of marketplace, repository finance is seldom an alternative, it's virtually e'er Pag-ibig because of the really low appraise for as we bonk Pag-ibig or HMDF is pro impecunious.
7) HOUSES ARE Attender AT THE Act BUT TOPSY TURVY IN THE Futurity
It's the real nature of liberal and low outlay structure that at the vantage, it appears adroit and regulated (entire music) but by experience, retributory a entity of few geezerhood, majority of the residents expand indiscriminately, several one-storey units are swollen to sec floor, time the engaged near in a row relic one-storey organization. Others shape garage and enclose time others are not. Others repaint their houses yellow spell others orange or discolour; and a lot of them righteous show their hanged clothes rightmost in deceiver of their houses. Specified a scenario which is rattling general will sure head the uncastrated prop devaluate in see.
Be that as it may, I noneffervescent believe it's dandy to own a socialized or low outlay construction far healthier than transaction for the position of one's aliveness. But let this investment be close to effective users and developers of the conception. Any investor who is not a soul but decides to buy in the hope that letting income can sort him own individual homes, present surely get in to trouble with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to cease him? I only and fain part my ideas based on genuine undergo and knowledge on factual acres laws.
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