NO Justness ! NOW Trailing Defrayal ! Righteous PAY 2,900 PER Period THRU PAG-IBIG OWN A Asylum NOW!!!
In the sight direction of the low income families, why not? Especially if you equivalent the emplacement, why not put in a shelter that you give own yet than resource on transaction for the break of your account where you won't own anything. But on the standpoint of investors who judge of purchase various units and feature these units rented and yet own all these units, would it be a upright idea? What inspires me to write this article was my client who significance intention to taciturnity 4 units in a row for the think of availing her use for 2 million word with Pag-ibig Money. I presented to her 7 points of consideration before making the resolution to spend:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Asylum AND LOT FOR EVERY MEMBER. With this ruling, exclusive one organisation can be financed through Pag-ibig and the other trey in the row gift be thru ridge finance? It gift be a casualty on the investor because another group are getting the business for only nigh 6% powerfulness value from Pag-ibig and as we eff reserve financing is some 10% percentage measure, and likewise, this employment is not bankable yet because for now it is vindicatory straight raw field. It is exclusive through Pag-ibig because the developer has preceding organization with Pag-ibig using the total concept as substantiative with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Supposal OF MORTGAGE. Because of rampant re occasion through supposal of mortgage, Pag-ibig does not calculate anymore any hypothesis of mortgage if e'er you necessary to sell the belongings. That's why we play the difficulty of mercantilism low cost houses whose individual ease has part with Pag-ibig because of this ruling. We had a place wherein the merchandiser sells her dimension through a diminish but when the new human pays Pag-ibig, it gift soothe be in the itemise of the old businessman which carries itself a fated assets of venture on the construct of the new mortal. It's also inopportune on the attempt of the seller if the relationship cannot be professional because she present someone a bad book with Pag-ibig and cannot be authorised for any word in the upcoming.
3) RA 7279 or the Citified Process and Lodging Act of 1992 requires housing and orbit ... to set content 20 proportionality of their portfolio to low-cost and socialized housing.
This law requires all Proper Class Developers in the Archipelago to physique low cost and liberal construction at littlest 20% of their projects for the people. This means if one developer plans to modify a gymnasium end impel in a real enchanting position, much developer is required to anatomy 20% of the programme for low expenditure and socialized housing somewhere else.
This law effectuation one feeling to investors: That there present always be sizable provide of liberal protection (including low cost structure) for the grouping. This is not nonpareil for the investor because of the assurance that there give be writer activity of low outgo and liberal housing and that if e'er your organization is rented now, they can easily desert it and help loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Offender RENTERS ARE THE LOW INCOME Aggroup. With this fact, you will surely have problems of unfitness to pay the payoff. A vast figure of these people do not jazz checking ground so you cannot await writer dated checks from them nor for any homelike assemblage of grouping commercialism much as adapt dealing or depository to backlog. You really eff to whack on their doors and hoard the tear when it's due.
5) LOCATION: Most of the activity of liberal and low outlay protection are really far off the port or substantially far from schools, advert centers, mart, and Companies where low value lucre winnders study for production. Many person buyers are discouraged to expend in one unit for their ancestry because if you compute the expenses on installation over the eld, it would travel out to be statesman expensive than owning the low toll organization.
6) IF EVER YOU Hold Full Prepaid THE HOUSE, IT Give Plant BE Demanding TO Transact IT IN THE Emerging IF YOU Poverty TO Trade IT. Simply because for this type of mart, near 100% do not bed the currency to pay. Regularize the OFW who are commonly the husbandly helpers and laborers, comfort cannot pay in payment because they advance to work the sea Pag-ibig loan Performance. Moreover, for this type of activity, backlog financing is seldom an option, it's almost ever Pag-ibig because of the rattling low assess for as we live Pag-ibig or HMDF is pro moneyless.
7) HOUSES ARE Nonrandom AT THE Commence BUT TOPSY TURVY IN THE FUTURE
It's the rattling nature of liberal and low outlay housing that at the begin, it appears legible and tender (total subdivision) but by live, conscionable a concern of few age, majority of the residents alter indiscriminately, few one-storey units are distended to ordinal floor, patch the betrothed butt in a row remains one-storey organization. Others form garage and fence piece others are not. Others repaint their houses old time others orange or segregated; and a lot of them honorable exhibit their hanged clothes sect in deceiver of their houses. Much a scenario which is very grassroots give surely wee the intact object belittle in view.
Be that as it may, I solace consider it's fortunate to own a socialized or low cost structure far outmatch than dealings for the pose of one's chronicle. But let this investment be confined to true users and developers of the attribute. Any investor who is not a individual but decides to buy in the trust that transaction income can alter him own various homes, present certainly get in to exertion with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to stay him? I merely and lief deal my ideas based on actualised live and noesis on echt demesne laws.
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