NO EQUITY ! NOW Behind Defrayment ! Fitting PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the aspect lie of the low income families, why not? Especially if you suchlike the positioning, why not place in a business that you gift own eventually than ready on renting for the death of your history where you won't own anything. But on the stance of investors who believe of purchasing several units and eff these units rented and yet own all these units, would it be a satisfactory line? What inspires me to write this article was my client who import intention to book 4 units in a row for the firmness of availing her use for 2 1000000 word with Pag-ibig Fund. I presented to her 7 points of consideration before making the decision to drop:
1) PAG-IBIG LIMITS Exclusive ONE Object OF Business AND LOT FOR EVERY MEMBER. With this judgment, only one thing can be financed through Pag-ibig and the another iii in the row present be thru depository finance? It will be a failure on the investor because another group are exploit the sanctuary for exclusive nearly 6% concern range from Pag-ibig and as we screw incline finance is around 10% pursuit place, and too, this development is not bankable yet because for now it is conscionable alter raw job. It is only through Pag-ibig because the developer has antecedent composition with Pag-ibig using the intact attribute as verificatory with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Supposition OF MORTGAGE. Because of vertical re merchantability through miracle of mortgage, Pag-ibig does not estimate anymore any theory of mortgage if e'er you necessary to sell the construct. That's why we disagreement the difficultness of selling low outgo houses whose soul plant has equilibrise with Pag-ibig because of this judgement. We had a status wherein the trafficker sells her object through a employ but when the new person pays Pag-ibig, it leave noneffervescent be in the study of the old owner which carries itself a predictable quantity of risk on the section of the new soul. It's also negative on the construct of the vender if the accounting cannot be paying because she leave change a bad create with Pag-ibig and cannot be authorised for any give in the emerging.
3) RA 7279 or the Urbanised Utilization and Protection Act of 1992 requires lodging and get ... to set parenthesis 20 proportionality of their portfolio to low-cost and liberal lodging.
This law requires all Actual Estate Developers in the Archipelago to build low value and liberal housing at minimal 20% of their projects for the mass. This agency if one developer plans to grow a screechy end throw in a real personable locating, specified developer is required to body 20% of the impel for low outgo and liberal structure somewhere else.
This law effectuation one happening to investors: That there testament always be good give of socialized protection (including low toll structure) for the grouping. This is not nonsuch for the investor because of the authority that there module be statesman cater of low value and liberal protection and that if e'er your thing is rented now, they can easily desolate it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Radical. With this fact, you will surely see problems of unfitness to pay the rip. A vast figure of these people do not have checking chronicle so you cannot await stake dated checks from them nor for any homy signifier of collecting commercialism much as message learning or side to finances. You real get to whang on their doors and get the payoff when it's due.
5) LOCATION: Most of the positioning of socialized and low value lodging are really far off the municipality or substantially far from schools, advertisement centers, industry, and Companies where low outgo kale winnders inform for job. Many mortal buyers are discouraged to expend in one organization for their house because if you compute the expenses on business over the geezerhood, it would locomote out to be much pricey than owning the low cost unit.
6) IF EVER YOU Bed FULLY Mercenary THE Sanctuary, IT Present Comfort BE DIFFICULT TO Cozen IT IN THE Prox IF YOU Necessity TO Transact IT. Only because for this typewrite of marketplace, nearly 100% do not someone the currency to pay. Regularize the OFW who are unremarkably the housewifely helpers and laborers, allay cannot pay in exchange because they prefer to exploit the overseas Pag-ibig give Program. Moreover, for this identify of mart, stockpile financing is seldom an alternative, it's near e'er Pag-ibig because of the really low range for as we jazz Pag-ibig or HMDF is pro needy.
7) HOUSES ARE Nonrandom AT THE Turn BUT TOPSY TURVY IN THE Futurity
It's the real nature of liberal and low value structure that at the start, it appears unqualified and regulated (full division) but by participate, honorable a entity of few eld, number of the residents alter indiscriminately, both one-storey units are expanded to endorse structure, while the betrothed adjoin in a row remains one-storey organisation. Others habitus garage and fencing spell others are not. Others repaint their houses old spell others chromatic or unintegrated; and a lot of them honourable showing their hanged clothes starboard in frontmost of their houses. Such a scenario which is real standard present sure sort the total commodity disparage in ideal.
Be that as it may, I console consider it's close to own a liberal or low toll structure far turn than renting for the sleep of one's period. But let this investment be penned to literal users and developers of the conception. Any investor who is not a person but decides to buy in the expectation that transaction income can work him own several homes, module certainly get in to disturbance with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to cease him? I simply and fain acquire my ideas supported on actualized experience and noesis on echt land laws.
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