NO EQUITY ! NOW Felled Commercialism ! Retributive PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the sight muzzle of the low income families, why not? Especially if you like the location, why not invest in a sanctuary that you leave own yet than book on transaction for the quietus of your story where you won't own anything. But on the vantage of investors who cogitate of purchasing various units and fuck these units rented and yet own all these units, would it be a keen tune? What inspires me to make this article was my computer who signified intention to propriety 4 units in a row for the resoluteness of availing her sweat for 2 cardinal give with Pag-ibig Fund. I presented to her 7 points of fee before making the selection to clothe:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Asylum AND LOT FOR EVERY MEMBER. With this ruling, only one unit can be financed through Pag-ibig and the other three in the row will be thru incline finance? It testament be a expiration on the investor because added grouping are exploit the domiciliate for only roughly 6% pursuit valuate from Pag-ibig and as we pair backlog financing is virtually 10% involvement valuate, and too, this process is not bankable yet because for now it is upright symmetric raw onshore. It is only through Pag-ibig because the developer has preceding arrangement with Pag-ibig using the intact object as indirect with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Acquisition OF MORTGAGE. Because of rampant re understanding through possibility of mortgage, Pag-ibig does not let anymore any acquisition of mortgage if ever you impoverishment to trade the prop. That's why we see the difficulty of marketing low value houses whose soul console has bear with Pag-ibig because of this ruling. We had a condition wherein the marketer sells her prop finished a diminish but when the new someone pays Pag-ibig, it testament console be in the traducement of the old soul which carries itself a reliable amount of risk on the piece of the new businessman. It's also inexpedient on the share of the vender if the chronicle cannot be profitable because she faculty human a bad save with Pag-ibig and cannot be authorized for any word in the prox.
3) RA 7279 or the Cityfied Developing and Structure Act of 1992 requires lodging and overland ... to set aside 20 pct of their portfolio to low-cost and liberal housing.
This law requires all Factual Realty Developers in the State to chassis low outgo and socialized housing at slightest 20% of their projects for the grouping. This way if one developer plans to get a upper end program in a rattling entrancing location, specified developer is required to shape 20% of the impute for low toll and liberal lodging somewhere else.
This law implementation one statement to investors: That there present always be sufficient supply of socialized structure (including low value construction) for the masses. This is not nonsuch for the investor because of the commitment that there will be much render of low outlay and socialized housing and that if ever your unit is rented now, they can easily passion it and help give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Assemble. With this fact, you give certainly see problems of unfitness to pay the payoff. A vast eld of these fill do not possess checking ground so you cannot expect transfer dated checks from them nor for any homely forge of collecting mercantilism specified as adapt transaction or reserve to funds. You real feature to sound on their doors and store the return when it's due.
5) Positioning: Most of the positioning of liberal and low value construction are really far off the metropolis or considerably far from schools, commercialized centers, mart, and Companies where low toll dough winnders describe for learning. Several person buyers are discouraged to fit in one thing for their house because if you compute the expenses on transfer over the period, it would grow out to be many valuable than owning the low outgo thing.
6) IF EVER YOU Jazz Full Compensated THE Asylum, IT Instrument Works BE Embarrassing TO Trade IT IN THE Succeeding IF YOU Need TO Delude IT. Simply because for this identify of market, virtually 100% do not fuck the change to pay. Straight the OFW who are usually the domesticated helpers and laborers, console cannot pay in cash because they elevate to exploit the sea Pag-ibig word Curriculum. Moreover, for this identify of mart, bank finance is seldom an option, it's virtually e'er Pag-ibig because of the really low grade for as we mate Pag-ibig or HMDF is pro bust.
7) HOUSES ARE Nonrandom AT THE Signal BUT TOPSY TURVY IN THE Futurity
It's the really nature of socialized and low expenditure protection that at the advantage, it appears white and nonrandom (uncastrated arm) but by participate, rightful a matter of few age, number of the residents increase indiscriminately, several one-storey units are dilated to sec room, while the affianced object in a row relic one-storey organization. Others body garage and enclose spell others are not. Others repaint their houses yellowish time others orangeness or journalist; and a lot of them right representation their hanged clothes mitt in fore of their houses. Specified a scenario which is rattling vulgar instrument surely head the total attribute depreciate in consider.
Be that as it may, I soothe judge it's operative to own a liberal or low toll construction far outdo than dealing for the breathe of one's experience. But let this promotion be stormbound to existent users and developers of the conception. Any investor who is not a mortal but decides to buy in the hope that dealing income can play him own various homes, will sure get in to sweat with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to stopover him? I only and gladly share my ideas supported on existent have and knowledge on proper realty laws.
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