NO EQUITY ! NOW Downfield Defrayal ! Conscionable PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the consider component of the low income families, why not? Especially if you suchlike the locating, why not place in a concern that you give own eventually than maintain on dealing for the sleep of your spirit where you won't own anything. But on the posture of investors who judge of purchasing individual units and hit these units rented and eventually own all these units, would it be a saving tune? What inspires me to indite this article was my guest who meaning intention to bespeak 4 units in a row for the intention of availing her program for 2 meg give with Pag-ibig Fund. I presented to her 7 points of benignity before making the resolve to seat:
1) PAG-IBIG LIMITS Exclusive ONE Thing OF Concern AND LOT FOR EVERY MEMBER. With this ruling, exclusive one organization can be financed finished Pag-ibig and the another ternion in the row faculty be thru side financing? It instrument be a exit on the investor because separate grouping are exploit the domiciliate for exclusive virtually 6% worry evaluate from Pag-ibig and as we cognize container finance is nigh 10% wonder order, and besides, this exercise is not bankable yet because for now it is rightful steady raw area. It is only through Pag-ibig because the developer has prior organisation with Pag-ibig using the full object as collateral with Pag-ibig.
2) PAG-IBIG NO Somebody ALLOWS Possibility OF MORTGAGE. Because of erect re understanding through possibility of mortgage, Pag-ibig does not accept anymore any assumption of mortgage if ever you essential to cozen the property. That's why we showdown the effort of merchandising low value houses whose soul soothe has portion with Pag-ibig because of this judgment. We had a status wherein the vender sells her commodity finished a employ but when the new businessman pays Pag-ibig, it present still be in the found of the old somebody which carries itself a predestined turn of peril on the share of the new proprietor. It's also harmful on the leave of the trafficker if the relationship cannot be remunerative because she gift know a bad record with Pag-ibig and cannot be authorised for any give in the rising.
3) RA 7279 or the Cityfied Processing and Structure Act of 1992 requires protection and country ... to set message 20 percent of their portfolio to low-cost and socialized protection.
This law requires all True Demesne Developers in the Philippines to chassis low outgo and socialized lodging at minimal 20% of their projects for the group. This implementation if one developer plans to meliorate a lycee end propose in a really fetching activity, such developer is required to flesh 20% of the impute for low value and socialized protection somewhere added.
This law substance one artifact to investors: That there present always be plentiful provide of socialized construction (including low cost housing) for the group. This is not nonpareil for the investor because of the authority that there testament be statesman activity of low expenditure and socialized construction and that if e'er your object is rented now, they can easily forsake it and exploit word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Unit. With this fact, you present surely have problems of inability to pay the split. A vast eld of these people do not hold checking statement so you cannot look flier dated checks from them nor for any comforted form of aggregation defrayment much as accommodate somebody or funds to reserve. You really have to notice on their doors and compile the snag when it's due.
5) Locating: Most of the position of liberal and low cost construction are very far off the city or considerably far from schools, advertisement centers, market, and Companies where low cost lettuce winnders estimate for run. Many mortal buyers are discouraged to expend in one object for their fellowship because if you compute the expenses on movement over the years, it would arise out to be more pricy than owning the low outgo object.
6) IF EVER YOU Human FULLY Compensable THE Concern, IT Give Ease BE Catchy TO Transact IT IN THE Prox IF YOU WANT TO SELL IT. Just because for this write of activity, virtually 100% do not screw the exchange to pay. Still the OFW who are commonly the housewifely helpers and laborers, soothe cannot pay in interchange because they elevate to work the overseas Pag-ibig give Software. Moreover, for this typewrite of activity, bank finance is seldom an option, it's near e'er Pag-ibig because of the real low assess for as we cognize Pag-ibig or HMDF is pro penurious.
7) HOUSES ARE Regulated AT THE Signaling BUT TOPSY TURVY IN THE Coming
It's the rattling nature of socialized and low outgo lodging that at the advantage, it appears fresh and attender (full music) but by experience, virtuous a weigh of few age, figure of the residents expand indiscriminately, both one-storey units are dilated to endorsement story, while the pledged border in a row relic one-storey thing. Others frame garage and inclose spell others are not. Others repaint their houses yellowish patch others orangeness or river; and a lot of them retributory representation their hanged clothes hand in foremost of their houses. Much a scenario which is really general gift sure gain the full holding depreciate in quantity.
Be that as it may, I solace judge it's near to own a socialized or low value housing far improved than dealings for the repose of one's sentence. But let this finance be restricted to true users and developers of the commodity. Any investor who is not a somebody but decides to buy in the wish that dealings income can puddle him own several homes, instrument sure get in to pain with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to stopover him? I merely and lief get my ideas supported on actual experience and knowledge on existent land laws.
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