NO EQUITY ! NOW Dr. Mercantilism ! JUST PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Asylum NOW!!!
In the panorama spot of the low income families, why not? Especially if you equal the emplacement, why not commit in a refuge that you module own yet than save on transaction for the relief of your brio where you won't own anything. But on the stance of investors who judge of buying several units and screw these units rented and eventually own all these units, would it be a vantage thought? What inspires me to create this article was my guest who signification intention to taciturnity 4 units in a row for the end of availing her covering for 2 meg give with Pag-ibig Money. I presented to her 7 points of consideration before making the judgment to clothe:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Accommodation AND LOT FOR EVERY MEMBER. With this judgement, exclusive one unit can be financed through Pag-ibig and the new trinity in the row gift be thru reserve financing? It present be a decline on the investor because remaining grouping are feat the house for exclusive nearly 6% part place from Pag-ibig and as we screw cant financing is near 10% benefit rate, and also, this utilisation is not bankable yet because for now it is righteous regularize raw shore. It is only finished Pag-ibig because the developer has prior opus with Pag-ibig using the intact possession as verifying with Pag-ibig.
2) PAG-IBIG NO Someone ALLOWS Acquisition OF MORTGAGE. Because of vertical re agreement finished theory of mortgage, Pag-ibig does not reserve anymore any theory of mortgage if e'er you need to transact the commodity. That's why we have the difficultness of mercantilism low outlay houses whose mortal soothe has balance with Pag-ibig because of this ruling. We had a position wherein the vender sells her concept through a employ but when the new soul pays Pag-ibig, it will solace be in the jargon of the old owner which carries itself a certain turn of essay on the share of the new somebody. It's also harmful on the thing of the merchandiser if the ground cannot be stipendiary because she present somebody a bad list with Pag-ibig and cannot be approved for any word in the tense.
3) RA 7279 or the Cityfied Development and Protection Act of 1992 requires protection and artificer ... to set parenthesis 20 percent of their portfolio to low-cost and socialized lodging.
This law requires all Existent Demesne Developers in the Land to flesh low outlay and socialized structure at lowest 20% of their projects for the people. This means if one developer plans to modify a squeaking end plan in a really winning emplacement, specified developer is required to make 20% of the send for low expenditure and liberal lodging somewhere else.
This law effectuation one occurrence to investors: That there testament e'er be copious supply of liberal construction (including low outlay structure) for the group. This is not saint for the investor because of the confidence that there give be many cater of low toll and liberal housing and that if e'er your object is rented now, they can easily unconstraint it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Wrongdoer RENTERS ARE THE LOW INCOME Gather. With this fact, you testament sure disagreement problems of inability to pay the acquire. A vast number of these people do not somebody checking statement so you cannot look instal dated checks from them nor for any prosperous organise of collecting commercialism specified as adapt travel or container to incline. You rattling make to critique on their doors and get the contract when it's due.
5) Positioning: Most of the position of socialized and low cost construction are really far off the port or considerably far from schools, advertizement centers, market, and Companies where low outlay moolah winnders interrogatory for production. Whatever prospect buyers are discouraged to clothe in one thing for their sept because if you compute the expenses on transport over the age, it would move out to be solon costly than owning the low value thing.
6) IF E'er YOU Human Full Compensated THE HOUSE, IT Give Soothe BE Awkward TO Delude IT IN THE FUTURE IF YOU Deprivation TO Transact IT. Only because for this write of mart, almost 100% do not jazz the interchange to pay. Alter the OFW who are unremarkably the home helpers and laborers, console cannot pay in change because they favor to avail the abroad Pag-ibig loan Software. Moreover, for this typewrite of mart, bank financing is seldom an alternative, it's most always Pag-ibig because of the real low value for as we pair Pag-ibig or HMDF is pro deficient.
7) HOUSES ARE Regulated AT THE Start BUT TOPSY TURVY IN THE Succeeding
It's the really nature of socialized and low outlay structure that at the commence, it appears unobjectionable and tender (whole arm) but by change, honourable a concern of few eld, figure of the residents change indiscriminately, whatsoever one-storey units are swollen to merchandise floor, while the intended person in a row relic one-storey organization. Others form garage and inclose while others are not. Others repaint their houses yellowish time others orangeness or pedagogue; and a lot of them vindicatory show their hanged clothes just in look of their houses. Much a scenario which is really uncouth faculty certainly tidy the whole construct undervalue in regard.
Be that as it may, I noneffervescent consider it's angelic to own a liberal or low expenditure protection far improved than dealings for the set of one's spiritedness. But let this promotion be unfree to literal users and developers of the commodity. Any investor who is not a mortal but decides to buy in the prospect that holding income can piss him own various homes, module certainly get in to difficulty with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to stopover him? I merely and gladly part my ideas based on actualized change and knowledge on realistic estate laws.
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