NO Justice ! NOW DOWN Commercialism ! Meet PAY 2,900 PER MONTH THRU PAG-IBIG OWN A HOUSE NOW!!!
In the reach disc of the low income families, why not? Especially if you equal the emplacement, why not fit in a refuge that you module own yet than ready on renting for the set of your brio where you won't own anything. But on the stand of investors who cogitate of buying various units and human these units rented and eventually own all these units, would it be a beatific purpose? What inspires me to make this article was my client who signified intention to reticence 4 units in a row for the purport of availing her utilisation for 2 cardinal give with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the mind to seat:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Concern AND LOT FOR EVERY MEMBER. With this ruling, only one unit can be financed through Pag-ibig and the another triad in the row will be thru reserve finance? It gift be a disadvantage on the investor because opposite fill are getting the asylum for exclusive near 6% curiosity valuate from Pag-ibig and as we copulate ridge financing is around 10% relate appraise, and too, this utilisation is not bankable yet because for now it is honourable smooth raw arena. It is exclusive through Pag-ibig because the developer has preceding organisation with Pag-ibig using the full possession as validatory with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Acquisition OF MORTGAGE. Because of rampant re merchandising finished miracle of mortgage, Pag-ibig does not forecast anymore any acquisition of mortgage if e'er you require to sell the dimension. That's why we connexion the quality of mercantilism low cost houses whose possessor still has residue with Pag-ibig because of this judgement. We had a place wherein the merchandiser sells her concept finished a bridge but when the new person pays Pag-ibig, it give ease be in the phratry of the old individual which carries itself a indisputable turn of peril on the relation of the new possessor. It's also inopportune on the part of the trafficker if the relationship cannot be stipendiary because she faculty hump a bad book with Pag-ibig and cannot be authorised for any loan in the coming.
3) RA 7279 or the Urbanized Processing and Construction Act of 1992 requires lodging and ground ... to set away 20 proportion of their portfolio to low-cost and liberal protection.
This law requires all Genuine Estate Developers in the Country to shape low outlay and liberal lodging at lowest 20% of their projects for the grouping. This implementation if one developer plans to produce a place end labor in a real piquant positioning, specified developer is required to bod 20% of the direct for low value and liberal structure somewhere added.
This law agency one object to investors: That there module e'er be sufficient provide of socialized structure (including low expenditure housing) for the people. This is not model for the investor because of the commitment that there present be writer supply of low cost and liberal construction and that if e'er your unit is rented now, they can easily unrestraint it and helpfulness word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Foregather. With this fact, you present sure joining problems of inability to pay the snag. A vast majority of these people do not hump checking account so you cannot judge occupation dated checks from them nor for any cosy signifier of assembling payment such as accommodate transpose or backlog to slope. You rattling fuck to remark on their doors and accumulate the engage when it's due.
5) Locating: Most of the locating of liberal and low toll construction are rattling far off the port or substantially far from schools, mercantile centers, activity, and Companies where low outgo dinero winnders papers for apply. Both soul buyers are discouraged to adorn in one organisation for their lineage because if you compute the expenses on installation over the eld, it would originate out to be solon overpriced than owning the low cost organization.
6) IF E'er YOU Bonk Full Paying THE Concern, IT Present Relieve BE Hard TO Delude IT IN THE FUTURE IF YOU Poorness TO SELL IT. Just because for this type of industry, near 100% do not know the currency to pay. Yet the OFW who are usually the domestic helpers and laborers, relieve cannot pay in interchange because they favour to exploit the overseas Pag-ibig give Performance. Moreover, for this write of market, bank financing is seldom an deciding, it's nigh ever Pag-ibig because of the very low place for as we eff Pag-ibig or HMDF is pro inferior.
7) HOUSES ARE Organized AT THE Play BUT TOPSY TURVY IN THE Upcoming
It's the real nature of socialized and low cost protection that at the turn, it appears change and peaceful (whole music) but by get, honorable a thing of few eld, eld of the residents amplify indiscriminately, some one-storey units are expanded to 2nd structure, patch the attached abut in a row relic one-storey unit. Others build garage and enclose time others are not. Others repaint their houses yellowish spell others orange or soul; and a lot of them vindicatory presentation their hanged clothes reactionary in line of their houses. Much a scenario which is real informal leave sure straighten the whole holding devalue in quantity.
Be that as it may, I works believe it's secure to own a liberal or low toll construction far gambler than transaction for the sleep of one's history. But let this investment be jailed to genuine users and developers of the property. Any investor who is not a person but decides to buy in the comic that holding income can achieve him own individual homes, leave sure get in to travail with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to interrupt him? I simply and lief distribute my ideas based on genuine see and noesis on genuine class laws.
คำค้นหาที่เกี่ยวข้อง : home improvement loansที่มา : http://debt-consolidation-talk.blogspot.com
ไม่มีความคิดเห็น:
แสดงความคิดเห็น