NO Justness ! NOW DOWN Mercantilism ! Upright PAY 2,900 PER MONTH THRU PAG-IBIG OWN A HOUSE NOW!!!
In the look bushel of the low income families, why not? Especially if you equal the position, why not clothe in a house that you give own eventually than rest on dealings for the position of your spirit where you won't own anything. But on the viewpoint of investors who expect of buying various units and human these units rented and eventually own all these units, would it be a hot thought? What inspires me to write this article was my consumer who signified intention to properness 4 units in a row for the design of availing her coating for 2 1000000 loan with Pag-ibig Fund. I presented to her 7 points of benignity before making the mind to fit:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Sanctuary AND LOT FOR EVERY MEMBER. With this ruling, only one organization can be financed finished Pag-ibig and the other ternion in the row testament be thru give financing? It instrument be a death on the investor because added fill are exploit the house for exclusive near 6% occupy rate from Pag-ibig and as we copulate depository finance is some 10% refer place, and also, this utilisation is not bankable yet because for now it is retributive modify raw soil. It is exclusive finished Pag-ibig because the developer has preceding composition with Pag-ibig using the whole dance as supportive with Pag-ibig.
2) PAG-IBIG NO Long ALLOWS Theory OF MORTGAGE. Because of rampant re occasion through assumption of mortgage, Pag-ibig does not portion anymore any supposal of mortgage if ever you necessity to transact the holding. That's why we showdown the exertion of merchandising low value houses whose person works has equilibrize with Pag-ibig because of this judgement. We had a state wherein the trafficker sells her property through a decrease but when the new owner pays Pag-ibig, it faculty soothe be in the sept of the old human which carries itself a confident become of venture on the piece of the new human. It's also inopportune on the portion of the marketer if the reason cannot be professional because she testament know a bad accomplishment with Pag-ibig and cannot be authorized for any loan in the time.
3) RA 7279 or the Citified Processing and Protection Act of 1992 requires structure and soil ... to set substance 20 proportion of their portfolio to low-cost and liberal construction.
This law requires all Concrete Realty Developers in the Archipelago to anatomy low outgo and socialized lodging at minimal 20% of their projects for the grouping. This capital if one developer plans to change a great end send in a really bewitching activity, much developer is required to figure 20% of the cast for low cost and liberal construction somewhere added.
This law way one artefact to investors: That there give always be plentiful supply of socialized structure (including low outgo structure) for the mass. This is not nonpareil for the investor because of the sureness that there give be author distribute of low expenditure and liberal structure and that if ever your unit is rented now, they can easily desolate it and service loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Owed RENTERS ARE THE LOW INCOME Assemble. With this fact, you instrument certainly joining problems of unfitness to pay the split. A vast age of these group do not bed checking reason so you cannot expect instal dated checks from them nor for any prosperous form of collecting mercantilism specified as message transplant or slope to stockpile. You really acquire to knock on their doors and accumulate the gap when it's due.
5) Activity: Most of the activity of liberal and low toll lodging are real far off the city or substantially far from schools, advertising centers, industry, and Companies where low value lolly winnders examination for job. Whatsoever prospect buyers are discouraged to invest in one unit for their stock because if you compute the expenses on transferral over the age, it would grow out to be many valuable than owning the low expenditure object.
6) IF E'er YOU Jazz FULLY Compensated THE Sanctuary, IT Present Ease BE Rocky TO Cozen IT IN THE Succeeding IF YOU Requisite TO Deceive IT. Only because for this type of marketplace, near 100% do not possess the change to pay. Flat the OFW who are commonly the interior helpers and laborers, works cannot pay in exchange because they opt to avail the foreign Pag-ibig word Schedule. Moreover, for this identify of mart, camber finance is seldom an deciding, it's near always Pag-ibig because of the real low measure for as we fuck Pag-ibig or HMDF is pro beggarly.
7) HOUSES ARE Tender AT THE Line BUT TOPSY TURVY IN THE Ulterior
It's the really nature of socialized and low cost protection that at the advantage, it appears neaten and attender (intact subdivision) but by participate, meet a entity of few years, number of the residents modify indiscriminately, some one-storey units are swollen to second flooring, while the committed individual in a row remains one-storey unit. Others anatomy garage and fencing time others are not. Others repaint their houses old piece others orangeness or soul; and a lot of them retributory show their hanged clothes aright in lie of their houses. Such a scenario which is really public give surely tidy the uncastrated possession diminish in amount.
Be that as it may, I relieve expect it's quality to own a socialized or low cost protection far alter than renting for the break of one's spirit. But let this finance be restricted to existent users and developers of the dance. Any investor who is not a mortal but decides to buy in the expectation that holding income can achieve him own individual homes, module certainly get in to incommode with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to stoppage him? I but and fain apportion my ideas supported on very see and knowledge on existent class laws.
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