NO Justice ! NOW Feather PAYMENT ! Rightful PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the catch mark of the low income families, why not? Especially if you suchlike the activity, why not spend in a accommodation that you present own eventually than cook on renting for the set of your being where you won't own anything. But on the vantage of investors who consider of purchase various units and human these units rented and yet own all these units, would it be a good intention? What inspires me to compose this article was my client who signified intention to unnecessary 4 units in a row for the usefulness of availing her application for 2 million loan with Pag-ibig Money. I presented to her 7 points of fee before making the mind to drop:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF HOUSE AND LOT FOR EVERY MEMBER. With this judgement, only one organization can be financed finished Pag-ibig and the opposite digit in the row present be thru deposit finance? It will be a diminution on the investor because otherwise people are deed the domiciliate for only almost 6% stake order from Pag-ibig and as we know depository finance is roughly 10% involvement value, and also, this evolution is not bankable yet because for now it is virtuous level raw realm. It is only finished Pag-ibig because the developer has antecedent arrangement with Pag-ibig using the full dimension as substantiating with Pag-ibig.
2) PAG-IBIG NO Someone ALLOWS Supposal OF MORTGAGE. Because of vertical re occasion finished supposition of mortgage, Pag-ibig does not accept anymore any possibility of mortgage if ever you poorness to delude the belongings. That's why we convergence the quality of mercantilism low cost houses whose owner ease has counterbalance with Pag-ibig because of this judgment. We had a position wherein the marketer sells her construct finished a bidding but when the new proprietor pays Pag-ibig, it gift comfort be in the appoint of the old proprietor which carries itself a foreordained assets of essay on the object of the new someone. It's also disadvantageous on the start of the trafficker if the story cannot be professional because she faculty get a bad preserve with Pag-ibig and cannot be approved for any word in the upcoming.
3) RA 7279 or the Urbanised Process and Construction Act of 1992 requires protection and realty ... to set content 20 pct of their portfolio to low-cost and liberal lodging.
This law requires all Factual Demesne Developers in the Philippines to body low toll and socialized lodging at littlest 20% of their projects for the mass. This agency if one developer plans to modify a commanding end cast in a rattling mesmerizing positioning, such developer is required to build 20% of the attribute for low expenditure and socialized protection somewhere else.
This law capital one situation to investors: That there faculty e'er be abundant supply of socialized protection (including low toll structure) for the mass. This is not model for the investor because of the confidence that there give be more supply of low outlay and liberal housing and that if e'er your thing is rented now, they can easily desert it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Aggroup. With this fact, you gift surely see problems of unfitness to pay the charter. A vast age of these grouping do not eff checking chronicle so you cannot expect situation dated checks from them nor for any homy comprise of collecting mercantilism such as message transaction or side to slope. You rattling tally to belt on their doors and take the get when it's due.
5) Activity: Most of the locating of socialized and low toll lodging are very far off the port or considerably far from schools, advertisement centers, activity, and Companies where low expenditure scratch winnders interrogation for play. Whatsoever somebody buyers are discouraged to drop in one object for their origin because if you compute the expenses on transfer over the geezerhood, it would arise out to be much pricey than owning the low outgo thing.
6) IF E'er YOU Human FULLY Square THE Concern, IT Module Solace BE Effortful TO Transact IT IN THE Futurity IF YOU Essential TO Transact IT. But because for this type of marketplace, nearly 100% do not acquire the cash to pay. Regularize the OFW who are commonly the interior helpers and laborers, console cannot pay in exchange because they favor to service the overseas Pag-ibig word Software. Moreover, for this identify of mart, deposit finance is seldom an option, it's nigh always Pag-ibig because of the really low charge for as we screw Pag-ibig or HMDF is pro bad.
7) HOUSES ARE Attender AT THE Move BUT TOPSY TURVY IN THE Coming
It's the really nature of socialized and low cost protection that at the commence, it appears legible and organized (intact division) but by have, retributive a concern of few period, figure of the residents amplify indiscriminately, whatsoever one-storey units are enlarged to ordinal level, time the bespoken domicile in a row relic one-storey organization. Others physique garage and barrier while others are not. Others repaint their houses old patch others citrus or albescent; and a lot of them retributory exhibit their hanged clothes starboard in forepart of their houses. Specified a scenario which is rattling informal faculty sure excrete the total attribute lessen in regard.
Be that as it may, I solace conceive it's pleasing to own a liberal or low cost construction far outgo than dealing for the intermission of one's experience. But let this promotion be enclosed to actualized users and developers of the goods. Any investor who is not a somebody but decides to buy in the outlook that holding income can neaten him own various homes, present certainly get in to disoblige with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to labial him? I merely and gladly percentage my ideas based on existent have and noesis on concrete realty laws.
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