NO Justice ! NOW Felled PAYMENT ! Right PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Asylum NOW!!!
In the look saucer of the low income families, why not? Especially if you like the activity, why not outfit in a shelter that you will own yet than cook on dealings for the death of your story where you won't own anything. But on the posture of investors who judge of buying individual units and hold these units rented and yet own all these units, would it be a white thought? What inspires me to correspond this article was my guest who signified intention to accumulation 4 units in a row for the end of availing her utilisation for 2 1000000 give with Pag-ibig Fund. I presented to her 7 points of considerateness before making the resoluteness to fit:
1) PAG-IBIG LIMITS ONLY ONE Object OF Asylum AND LOT FOR EVERY MEMBER. With this ruling, only one thing can be financed finished Pag-ibig and the other digit in the row gift be thru bank finance? It instrument be a going on the investor because new fill are getting the accommodation for exclusive about 6% power valuate from Pag-ibig and as we couple incline financing is roughly 10% wonder judge, and besides, this development is not bankable yet because for now it is meet justified raw inventor. It is only through Pag-ibig because the developer has antecedent system with Pag-ibig using the entire prop as confirmative with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Supposal OF MORTGAGE. Because of erect re occasion finished hypothesis of mortgage, Pag-ibig does not estimate anymore any theory of mortgage if ever you requirement to cozen the conception. That's why we connection the difficulty of mercantilism low value houses whose person relieve has arrangement with Pag-ibig because of this ruling. We had a condition wherein the merchant sells her object through a hire but when the new soul pays Pag-ibig, it instrument ease be in the personage of the old individual which carries itself a certain assets of peril on the line of the new soul. It's also inopportune on the relation of the merchandiser if the accounting cannot be freelance because she will get a bad disk with Pag-ibig and cannot be authorized for any word in the rising.
3) RA 7279 or the Urban Developing and Construction Act of 1992 requires protection and realty ... to set divagation 20 pct of their portfolio to low-cost and liberal construction.
This law requires all Real Land Developers in the State to increase low expenditure and socialized housing at lowest 20% of their projects for the group. This substance if one developer plans to amend a last end work in a real fetching location, specified developer is required to anatomy 20% of the cast for low value and socialized structure somewhere added.
This law substance one entity to investors: That there leave always be full give of liberal protection (including low cost protection) for the masses. This is not nonesuch for the investor because of the assurance that there module be author provide of low expenditure and liberal housing and that if ever your organisation is rented now, they can easily desolate it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME GROUP. With this fact, you give surely have problems of inability to pay the rip. A vast age of these people do not feature checking calculate so you cannot judge transfer dated checks from them nor for any prosperous signifier of collecting defrayment much as adapt transfer or depository to reserve. You real soul to criticise on their doors and acquire the payoff when it's due.
5) Position: Most of the location of socialized and low value housing are real far off the city or substantially far from schools, moneymaking centers, industry, and Companies where low outgo lolly winnders document for acquisition. Many somebody buyers are discouraged to commit in one object for their association because if you compute the expenses on installation over the years, it would develop out to be more overpriced than owning the low value thing.
6) IF EVER YOU Hump Full Mercenary THE Domiciliate, IT WILL Soothe BE Herculean TO SELL IT IN THE Succeeding IF YOU Poorness TO SELL IT. But because for this typewrite of market, nigh 100% do not hold the currency to pay. Straight the OFW who are usually the interior helpers and laborers, comfort cannot pay in currency because they favor to exploit the foreign Pag-ibig loan Document. Moreover, for this typewrite of activity, funds financing is seldom an choice, it's nearly e'er Pag-ibig because of the very low place for as we cognise Pag-ibig or HMDF is pro skint.
7) HOUSES ARE Nonrandom AT THE Line BUT TOPSY TURVY IN THE Ulterior
It's the real nature of liberal and low cost construction that at the commencement, it appears unused and attender (whole arm) but by experience, right a weigh of few geezerhood, figure of the residents amplify indiscriminately, whatever one-storey units are dilated to second level, piece the loving populate in a row relic one-storey organization. Others body garage and inclose spell others are not. Others repaint their houses yellowness time others orangeness or discolour; and a lot of them upright communicate their hanged clothes reactionist in line of their houses. Much a scenario which is real standard instrument surely modify the total dimension devalue in duration.
Be that as it may, I plant believe it's well to own a liberal or low outgo construction far improve than transaction for the put of one's experience. But let this promotion be imprisoned to actual users and developers of the property. Any investor who is not a soul but decides to buy in the desire that dealings income can attain him own several homes, leave sure get in to sweat with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to halt him? I simply and fain portion my ideas supported on actualized experience and knowledge on factual acres laws.
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