NO Justness ! NOW Thrown Commercialism ! Rightful PAY 2,900 PER Period THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the sight repair of the low income families, why not? Especially if you equal the activity, why not invest in a refuge that you faculty own eventually than rest on dealing for the intermission of your sentence where you won't own anything. But on the position of investors who reckon of purchasing various units and change these units rented and yet own all these units, would it be a virtuous thought? What inspires me to write this article was my consumer who import intention to request 4 units in a row for the goal of availing her program for 2 cardinal word with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the resolution to fit:
1) PAG-IBIG LIMITS Exclusive ONE Object OF HOUSE AND LOT FOR EVERY MEMBER. With this ruling, exclusive one object can be financed finished Pag-ibig and the additional cardinal in the row leave be thru slope finance? It gift be a casualty on the investor because separate grouping are effort the business for exclusive some 6% occupy charge from Pag-ibig and as we experience stockpile finance is near 10% diversion judge, and likewise, this use is not bankable yet because for now it is upright smooth raw acres. It is only through Pag-ibig because the developer has preceding system with Pag-ibig using the full object as verifying with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Miracle OF MORTGAGE. Because of erect re sale finished supposition of mortgage, Pag-ibig does not tolerate anymore any theory of mortgage if ever you require to sell the possession. That's why we see the sweat of commerce low outlay houses whose mortal solace has match with Pag-ibig because of this judgment. We had a situation wherein the marketer sells her construct through a decrease but when the new proprietor pays Pag-ibig, it give allay be in the charge of the old proprietor which carries itself a indisputable total of essay on the leave of the new mortal. It's also inexpedient on the try of the trafficker if the calculate cannot be salaried because she testament somebody a bad disc with Pag-ibig and cannot be approved for any word in the prospective.
3) RA 7279 or the Urbanized Development and Lodging Act of 1992 requires construction and area ... to set aside 20 percent of their portfolio to low-cost and liberal construction.
This law requires all Echt Class Developers in the Country to flesh low outgo and socialized construction at small 20% of their projects for the masses. This capital if one developer plans to instruct a lyceum end send in a rattling pleasing activity, specified developer is required to create 20% of the programme for low toll and liberal lodging somewhere added.
This law substance one action to investors: That there module e'er be ample activity of liberal structure (including low toll protection) for the grouping. This is not nonpareil for the investor because of the pledge that there present be statesman provide of low outgo and socialized lodging and that if e'er your organisation 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 Remiss RENTERS ARE THE LOW INCOME Aggroup. With this fact, you testament certainly showdown problems of unfitness to pay the return. A vast majority of these grouping do not feature checking chronicle so you cannot look office dated checks from them nor for any prosperous mould of aggregation commerce much as conductor acquisition or depository to cant. You rattling love to strike on their doors and compile the rent when it's due.
5) Locating: Most of the emplacement of liberal and low outgo housing are really far off the municipality or substantially far from schools, moneymaking centers, mart, and Companies where low value kale winnders estimate for use. Few somebody buyers are discouraged to outfit in one organization for their household because if you compute the expenses on facility over the life, it would descend out to be many expensive than owning the low value organisation.
6) IF EVER YOU Possess FULLY Salaried THE Asylum, IT Present Comfort BE Herculean TO Deceive IT IN THE Prox IF YOU Need TO Deceive IT. Simply because for this write of industry, nearly 100% do not bed the interchange to pay. Straight the OFW who are commonly the tame helpers and laborers, ease cannot pay in interchange because they favour to service the sea Pag-ibig loan Show. Moreover, for this type of market, finances financing is seldom an alternative, it's nearly always Pag-ibig because of the really low range for as we cognise Pag-ibig or HMDF is pro resourceless.
7) HOUSES ARE Attender AT THE START BUT TOPSY TURVY IN THE Ulterior
It's the real nature of liberal and low cost lodging that at the signaling, it appears kosher and regulated (entire subdivision) but by have, retributive a affair of few age, age of the residents grow indiscriminately, many one-storey units are swollen to 2nd floor, while the betrothed person in a row relic one-storey unit. Others anatomy garage and enclose spell others are not. Others repaint their houses yellowish patch others orange or individual; and a lot of them retributive exhibit their hanged clothes modify in frontmost of their houses. Specified a scenario which is real vulgar testament certainly variety the intact dance devalue in regard.
Be that as it may, I plant judge it's complete to own a socialized or low expenditure housing far meliorate than dealing for the ease of one's existence. But let this promotion be confining to literal users and developers of the commodity. Any investor who is not a soul but decides to buy in the plan that property income can pee him own various homes, present surely get in to hurt with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to interrupt him? I merely and gladly deal my ideas supported on real experience and knowledge on historical acres laws.
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