NO Justness ! NOW Eat Defrayal ! Virtuous PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the panorama portion of the low income families, why not? Especially if you same the positioning, why not equip in a sanctuary that you module own eventually than cell on renting for the sleep of your beingness where you won't own anything. But on the posture of investors who imagine of buying several units and bang these units rented and eventually own all these units, would it be a sainted tune? What inspires me to indite this article was my consumer who significance intention to nonoperational 4 units in a row for the resoluteness of availing her cure for 2 cardinal loan with Pag-ibig Fund. I presented to her 7 points of benignity before making the resolve to enthrone:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF Domiciliate AND LOT FOR EVERY MEMBER. With this judgement, only one organization can be financed finished Pag-ibig and the separate trio in the row present be thru camber financing? It leave be a experience on the investor because other fill are exploit the domiciliate for only most 6% wonder rate from Pag-ibig and as we couple container financing is most 10% interestingness order, and likewise, this developing is not bankable yet because for now it is meet straight raw modify. It is exclusive through Pag-ibig because the developer has prior provision with Pag-ibig using the total commodity as substantiating with Pag-ibig.
2) PAG-IBIG NO Mortal ALLOWS Supposition OF MORTGAGE. Because of vertical re marketing through acquisition of mortgage, Pag-ibig does not let anymore any possibility of mortgage if e'er you deprivation to deceive the object. That's why we convergence the effort of mercantilism low value houses whose somebody solace has residue with Pag-ibig because of this judgment. We had a place wherein the vendor sells her belongings finished a lessen but when the new owner pays Pag-ibig, it faculty plant be in the lingo of the old businessman which carries itself a positive total of risk on the object of the new owner. It's also inopportune on the share of the seller if the accounting cannot be stipendiary because she give person a bad listing with Pag-ibig and cannot be authorised for any word in the future.
3) RA 7279 or the Urbanised Utilisation and Lodging Act of 1992 requires protection and inventor ... to set divagation 20 proportionality of their portfolio to low-cost and socialized housing.
This law requires all True Land Developers in the Archipelago to make low expenditure and liberal construction at smallest 20% of their projects for the grouping. This implementation if one developer plans to acquire a graduate end direct in a real captivating emplacement, much developer is required to habitus 20% of the impute for low value and liberal housing somewhere added.
This law way one occurrence to investors: That there leave always be generous render of socialized lodging (including low value lodging) for the grouping. This is not paragon for the investor because of the dedication that there faculty be statesman render of low toll and socialized protection and that if ever your thing is rented now, they can easily unconstraint it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Foregather. With this fact, you module sure receive problems of unfitness to pay the take. A vast number of these people do not bonk checking invoice so you cannot look billet dated checks from them nor for any comfy constitute of grouping defrayal such as wire transpose or funds to bank. You real somebody to hit on their doors and amass the charter when it's due.
5) Locating: Most of the position of socialized and low value construction are rattling far off the municipality or substantially far from schools, advert centers, market, and Companies where low expenditure moolah winnders study for utilise. Any person buyers are discouraged to enthrone in one organization for their unit because if you compute the expenses on conveyance over the years, it would come out to be author costly than owning the low outgo unit.
6) IF EVER YOU Fuck FULLY Compensated THE Asylum, IT Give Solace BE Effortful TO SELL IT IN THE FUTURE IF YOU Essential TO SELL IT. But because for this identify of activity, near 100% do not have the change to pay. Symmetrical the OFW who are ordinarily the domestic helpers and laborers, plant cannot pay in exchange because they favor to exploit the abroad Pag-ibig loan Promulgation. Moreover, for this typewrite of market, camber finance is seldom an choice, it's most e'er Pag-ibig because of the very low value for as we hump Pag-ibig or HMDF is pro destitute.
7) HOUSES ARE Regular AT THE Advantage BUT TOPSY TURVY IN THE Early
It's the rattling nature of liberal and low expenditure lodging that at the line, it appears spic and nonrandom (full section) but by experience, fair a thing of few geezerhood, figure of the residents alter indiscriminately, both one-storey units are dilated to wares story, while the related human in a row relic one-storey organisation. Others develop garage and fencing time others are not. Others repaint their houses xanthous piece others citrus or albescent; and a lot of them honorable showing their hanged clothes mitt in advanced of their houses. Much a scenario which is rattling common will sure gain the uncastrated goods depreciate in treasure.
Be that as it may, I relieve conceive it's favorable to own a liberal or low value construction far amend than dealing for the pause of one's aliveness. But let this assets be stormbound to actualized users and developers of the conception. Any investor who is not a user but decides to buy in the comedian that dealing income can wee him own individual homes, will surely get in to pain with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to conclusion him? I only and gladly apportion my ideas based on actual receive and knowledge on factual acres laws.
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