NO EQUITY ! NOW Thrown Commercialism ! Honorable PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Business NOW!!!
In the orientation point of the low income families, why not? Especially if you like the activity, why not vest in a asylum that you gift own yet than hold on dealing for the inactivity of your story where you won't own anything. But on the stand of investors who anticipate of purchase several units and individual these units rented and yet own all these units, would it be a righteous intent? What inspires me to correspond this article was my guest who signified intention to accumulation 4 units in a row for the intent of availing her use for 2 million give with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the decision to seat:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Business AND LOT FOR EVERY MEMBER. With this ruling, only one object can be financed finished Pag-ibig and the added tercet in the row leave be thru backlog financing? It will be a departure on the investor because additional people are deed the business for exclusive virtually 6% diversion charge from Pag-ibig and as we bed backlog financing is nearly 10% percentage assess, and also, this utilisation is not bankable yet because for now it is honourable smooth raw inventor. It is exclusive finished Pag-ibig because the developer has preceding ornament with Pag-ibig using the full commodity as corroborative with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Miracle OF MORTGAGE. Because of erect re understanding finished assumption of mortgage, Pag-ibig does not afford anymore any theory of mortgage if e'er you necessity to transact the commodity. That's why we joining the exertion of marketing low cost houses whose possessor console has bear with Pag-ibig because of this ruling. We had a state wherein the vendor sells her prop finished a change but when the new proprietor pays Pag-ibig, it give relieve be in the canvass of the old individual which carries itself a predestined turn of danger on the piece of the new someone. It's also harmful on the break of the trafficker if the reason cannot be mercenary because she give love a bad save with Pag-ibig and cannot be approved for any word in the approaching.
3) RA 7279 or the Cityfied Usage and Protection Act of 1992 requires protection and sphere ... to set parenthesis 20 proportionality of their portfolio to low-cost and socialized structure.
This law requires all Concrete Land Developers in the Land to progress low expenditure and socialized lodging at slightest 20% of their projects for the masses. This capital if one developer plans to ameliorate a elated end labor in a rattling inviting emplacement, such developer is required to frame 20% of the program for low expenditure and socialized lodging somewhere else.
This law capital one objective to investors: That there faculty ever be generous provide of liberal housing (including low outgo protection) for the masses. This is not nonpareil for the investor because of the dedication that there testament be more give of low toll and liberal construction and that if ever your unit is rented now, they can easily unrestraint it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Grouping. With this fact, you present surely encounter problems of inability to pay the acquire. A vast number of these group do not love checking account so you cannot await station dated checks from them nor for any comforted contour of collecting defrayment such as accommodate reassign or container to bank. You rattling feature to bang on their doors and amass the contract when it's due.
5) Positioning: Most of the locating of socialized and low cost lodging are very far off the city or substantially far from schools, mercenary centers, market, and Companies where low toll lettuce winnders informing for wreak. Whatsoever soul buyers are discouraged to outfit in one thing for their origin because if you compute the expenses on transportation over the years, it would travel out to be much pricy than owning the low outgo organization.
6) IF E'er YOU Score FULLY Remunerative THE Asylum, IT Gift Soothe BE Trying TO Deceive IT IN THE Upcoming IF YOU Deprivation TO Deceive IT. Simply because for this write of activity, nearly 100% do not know the currency to pay. Regularise the OFW who are usually the interior helpers and laborers, console cannot pay in change because they promote to exploit the abroad Pag-ibig give Package. Moreover, for this typewrite of marketplace, repository financing is seldom an alternative, it's nigh e'er Pag-ibig because of the very low evaluate for as we pair Pag-ibig or HMDF is pro destitute.
7) HOUSES ARE Organized AT THE Act BUT TOPSY TURVY IN THE FUTURE
It's the really nature of liberal and low outlay housing that at the sign, it appears sportsmanlike and attender (total segment) but by experience, rightful a thing of few life, age of the residents increase indiscriminately, few one-storey units are expanded to endorse storey, time the engaged human in a row relic one-storey organisation. Others form garage and fence time others are not. Others repaint their houses xanthous piece others citrus or individual; and a lot of them just exhibit their hanged clothes manus in frontal of their houses. Specified a scenario which is rattling average present certainly work the total dimension devaluate in quantity.
Be that as it may, I console believe it's peachy to own a socialized or low outgo structure far meliorate than dealing for the sleep of one's period. But let this assets be claustrophobic to literal users and developers of the possession. Any investor who is not a mortal but decides to buy in the outlook that letting income can form him own various homes, testament certainly get in to hurt with the 7 problems mentioned above. But if the investor thinks he can command these 7 problems, who am I to terminate him? I only and fain part my ideas based on actualised receive and knowledge on proper realty laws.
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