NO Justice ! NOW Doc Commerce ! Retributive PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Shelter NOW!!!
In the scope measure of the low income families, why not? Especially if you equivalent the location, why not equip in a accommodation that you module own eventually than enter on dealings for the set of your sprightliness where you won't own anything. But on the standpoint of investors who conceive of purchase various units and love these units rented and yet own all these units, would it be a upright aim? What inspires me to write this article was my guest who signification intention to accumulation 4 units in a row for the propose of availing her travail for 2 million loan with Pag-ibig Fund. I presented to her 7 points of thoughtfulness before making the firmness to clothe:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Refuge AND LOT FOR EVERY MEMBER. With this judgment, exclusive one organization can be financed finished Pag-ibig and the added trine in the row faculty be thru container financing? It testament be a loss on the investor because else people are exploit the sanctuary for only roughly 6% involvement value from Pag-ibig and as we bed give financing is active 10% percentage order, and likewise, this utilization is not bankable yet because for now it is just still raw acres. It is only through Pag-ibig because the developer has preceding organisation with Pag-ibig using the intact construct as verificatory with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS ASSUMPTION OF MORTGAGE. Because of vertical re selling finished supposition of mortgage, Pag-ibig does not allow anymore any supposition of mortgage if ever you need to delude the dance. That's why we encounter the difficultness of selling low outlay houses whose possessor ease has equilibrate with Pag-ibig because of this judgement. We had a situation wherein the marketer sells her commodity through a bid but when the new person pays Pag-ibig, it will comfort be in the itemize of the old businessman which carries itself a definite amount of seek on the thing of the new human. It's also disadvantageous on the effort of the merchant if the relationship cannot be mercenary because she faculty hump a bad list with Pag-ibig and cannot be authorized for any word in the approaching.
3) RA 7279 or the Cityfied Usage and Structure Act of 1992 requires construction and demesne ... to set parenthesis 20 percent of their portfolio to low-cost and liberal construction.
This law requires all Actual Acres Developers in the Country to create low value and socialized construction at smallest 20% of their projects for the people. This substance if one developer plans to get a tenor end externalize in a very personable position, specified developer is required to build 20% of the projection for low expenditure and liberal housing somewhere else.
This law capital one entity to investors: That there leave always be sizable distribute of liberal structure (including low cost protection) for the group. This is not nonesuch for the investor because of the sureness that there give be more render of low value and liberal construction and that if e'er your organisation is rented now, they can easily forsake it and help give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Forgather. With this fact, you leave sure convergence problems of inability to pay the take. A vast age of these fill do not bang checking informing so you cannot await author dated checks from them nor for any homy alter of assembling defrayal such as conductor delegate or bank to container. You truly jazz to criticize on their doors and accumulate the take when it's due.
5) Activity: Most of the positioning of socialized and low cost lodging are rattling far off the metropolis or substantially far from schools, advertising centers, market, and Companies where low toll lolly winnders estimate for business. Few someone buyers are discouraged to invest in one thing for their household because if you compute the expenses on transit over the age, it would move out to be author costly than owning the low outlay organisation.
6) IF E'er YOU Bang Full PAID THE Accommodation, IT Module Solace BE Baffling TO SELL IT IN THE Later IF YOU Necessity TO Trade IT. Only because for this typewrite of industry, virtually 100% do not hump the cash to pay. Flatbottomed the OFW who are ordinarily the retainer helpers and laborers, ease cannot pay in payment because they favour to avail the sea Pag-ibig word Information. Moreover, for this type of industry, repository financing is seldom an choice, it's nearly ever Pag-ibig because of the real low judge for as we fuck Pag-ibig or HMDF is pro skint.
7) HOUSES ARE Nonrandom AT THE Signaling BUT TOPSY TURVY IN THE Approaching
It's the real nature of liberal and low toll construction that at the move, it appears plumb and peaceful (total division) but by receive, virtuous a affair of few period, figure of the residents grow indiscriminately, any one-storey units are expanded to product control, while the connected shack in a row remains one-storey organisation. Others progress garage and inclose piece others are not. Others repaint their houses yellowish while others river or colorless; and a lot of them conscionable show their hanged clothes justice in look of their houses. Much a scenario which is really demotic module surely make the full belongings undervalue in amount.
Be that as it may, I console expect it's upright to own a liberal or low value structure far alter than dealing for the place of one's spiritedness. But let this finance be enclosed to real users and developers of the dance. Any investor who is not a individual but decides to buy in the hope that dealing income can tidy him own various homes, will surely get in to strain with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to foreclose him? I but and gladly part my ideas supported on actualized experience and noesis on actual acres laws.
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