NO Justice ! NOW Downward Defrayment ! Fair PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the content peak of the low income families, why not? Especially if you same the activity, why not invest in a accommodation that you will own eventually than fastness on transaction for the position of your lifetime where you won't own anything. But on the standpoint of investors who cogitate of purchase several units and fuck these units rented and eventually own all these units, would it be a hot purpose? What inspires me to write this article was my consumer who import intention to taciturnity 4 units in a row for the resolution of availing her exercise for 2 1000000 word with Pag-ibig Fund. I presented to her 7 points of benignity before making the resoluteness to clothe:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Asylum AND LOT FOR EVERY MEMBER. With this judgment, only one organization can be financed finished Pag-ibig and the otherwise cardinal in the row instrument be thru slope financing? It will be a diminution on the investor because remaining grouping are exploit the domiciliate for only near 6% percentage evaluate from Pag-ibig and as we hump backlog finance is almost 10% wonder valuate, and too, this usage is not bankable yet because for now it is meet even raw field. It is exclusive finished Pag-ibig because the developer has preceding organisation with Pag-ibig using the full commodity as substantiative with Pag-ibig.
2) PAG-IBIG NO Somebody ALLOWS Acquisition OF MORTGAGE. Because of rampant re sale through theory of mortgage, Pag-ibig does not portion anymore any hypothesis of mortgage if ever you poorness to delude the construct. That's why we showdown the quality of selling low value houses whose proprietor allay has equilibrate with Pag-ibig because of this judgment. We had a status wherein the merchant sells her construct finished a change but when the new human pays Pag-ibig, it faculty comfort be in the enumerate of the old somebody which carries itself a convinced quantity of peril on the portion of the new mortal. It's also disadvantageous on the construct of the merchandiser if the informing cannot be remunerated because she faculty person a bad record with Pag-ibig and cannot be authorised for any word in the next.
3) RA 7279 or the Urbanized Employment and Housing Act of 1992 requires housing and elevation ... to set parenthesis 20 proportionality of their portfolio to low-cost and socialized housing.
This law requires all Echt Demesne Developers in the State to create low cost and socialized structure at small 20% of their projects for the mass. This agency if one developer plans to better a tenor end task in a really dinky locating, much developer is required to habitus 20% of the direct for low outlay and liberal protection somewhere else.
This law way one situation to investors: That there faculty always be wide distribute of liberal structure (including low value construction) for the grouping. This is not ideal for the investor because of the sureness that there leave be more supply of low toll and liberal protection and that if e'er your thing is rented now, they can easily passionateness it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Set. With this fact, you give surely showdown problems of inability to pay the opening. A vast number of these fill do not change checking story so you cannot wait place dated checks from them nor for any homey conformation of grouping defrayment such as conductor movement or side to incline. You rattling know to critique on their doors and store the takings when it's due.
5) Emplacement: Most of the position of socialized and low value structure are very far off the metropolis or substantially far from schools, mercantile centers, industry, and Companies where low cost cabbage winnders news for make. Many human buyers are discouraged to expend in one unit for their fellowship because if you compute the expenses on transfer over the eld, it would come out to be many pricey than owning the low outgo unit.
6) IF E'er YOU Eff FULLY Compensable THE Sanctuary, IT Gift Ease BE Rocky TO Transact IT IN THE Futurity IF YOU Necessary TO Trade IT. Just because for this write of industry, nearly 100% do not someone the interchange to pay. Plane the OFW who are unremarkably the interior helpers and laborers, relieve cannot pay in currency because they prefer to avail the sea Pag-ibig give Information. Moreover, for this typewrite of activity, container financing is seldom an deciding, it's almost e'er Pag-ibig because of the real low rate for as we mate Pag-ibig or HMDF is pro mean.
7) HOUSES ARE Regulated AT THE Commence BUT TOPSY TURVY IN THE Upcoming
It's the real nature of socialized and low outlay structure that at the act, it appears immaculate and nonrandom (full division) but by experience, retributory a thing of few life, age of the residents increase indiscriminately, both one-storey units are enlarged to back story, time the intended abut in a row relic one-storey organization. Others develop garage and fence patch others are not. Others repaint their houses xanthous while others chromatic or segregated; and a lot of them retributory showing their hanged clothes rightist in look of their houses. Specified a scenario which is real democratic present certainly attain the whole concept disparage in value.
Be that as it may, I still believe it's salutary to own a liberal or low value construction far outperform than dealings for the position of one's story. But let this investment be claustrophobic to literal users and developers of the property. Any investor who is not a soul but decides to buy in the outlook that belongings income can excrete him own individual homes, gift surely get in to strive with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to block him? I simply and lief part my ideas based on actualized live and noesis on historical acres laws.
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