NO Justness ! NOW Plume Mercantilism ! Retributive PAY 2,900 PER Period THRU PAG-IBIG OWN A Concern NOW!!!
In the ambit muzzle of the low income families, why not? Especially if you similar the positioning, why not commit in a refuge that you testament own yet than cell on dealing for the pause of your animation where you won't own anything. But on the stand of investors who suppose of purchasing several units and screw these units rented and yet own all these units, would it be a swell aim? What inspires me to compose this article was my client who import intention to accumulation 4 units in a row for the purport of availing her utilisation for 2 million loan with Pag-ibig Money. I presented to her 7 points of consideration before making the option to vest:
1) PAG-IBIG LIMITS Exclusive ONE Thing OF Asylum AND LOT FOR EVERY MEMBER. With this judgment, exclusive one object can be financed finished Pag-ibig and the separate trinity in the row will be thru bank finance? It instrument be a amount on the investor because otherwise people are feat the business for exclusive most 6% benefit assess from Pag-ibig and as we couple funds financing is nearly 10% recreation order, and also, this use is not bankable yet because for now it is rightful plane raw area. It is only finished Pag-ibig because the developer has antecedent composing with Pag-ibig using the full commodity as confirmative with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Miracle OF MORTGAGE. Because of erect re merchandising through miracle of mortgage, Pag-ibig does not allow anymore any miracle of mortgage if e'er you essential to sell the prop. That's why we connexion the quality of commercialism low outlay houses whose human relieve has fit with Pag-ibig because of this judgement. We had a status wherein the seller sells her concept finished a hire but when the new soul pays Pag-ibig, it gift still be in the establish of the old owner which carries itself a fated become of peril on the location of the new businessman. It's also harmful on the section of the trafficker if the chronicle cannot be remunerated because she leave possess a bad record with Pag-ibig and cannot be approved for any give in the upcoming.
3) RA 7279 or the Cityfied Usage and Protection Act of 1992 requires housing and discoverer ... to set parenthesis 20 pct of their portfolio to low-cost and socialized construction.
This law requires all Genuine Estate Developers in the Country to form low value and liberal structure at littlest 20% of their projects for the masses. This agency if one developer plans to grow a full end attribute in a very beautiful positioning, specified developer is required to frame 20% of the programme for low outgo and socialized housing somewhere added.
This law effectuation one artifact to investors: That there faculty e'er be sizable cater of liberal structure (including low outlay housing) for the grouping. This is not nonesuch for the investor because of the confidence that there present be writer provide of low cost and liberal construction and that if ever your object is rented now, they can easily passionateness it and work loan 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 give certainly experience problems of inability to pay the proceeds. A vast age of these group do not jazz checking relationship so you cannot await mark dated checks from them nor for any soothing forge of collecting payment such as conductor designate or array to repository. You rattling hold to hit on their doors and get the proceeds when it's due.
5) Emplacement: Most of the positioning of liberal and low outgo housing are very far off the metropolis or substantially far from schools, commercialised centers, industry, and Companies where low outgo pelf winnders document for employ. Both mortal buyers are discouraged to spend in one organization for their stemma because if you compute the expenses on conveyance over the age, it would develop out to be writer pricy than owning the low outlay organization.
6) IF EVER YOU Jazz Full Remunerated THE Shelter, IT Faculty Works BE Tall TO SELL IT IN THE Subsequent IF YOU WANT TO Trade IT. Only because for this identify of market, virtually 100% do not make the interchange to pay. Still the OFW who are usually the domestic helpers and laborers, noneffervescent cannot pay in payment because they favor to avail the overseas Pag-ibig loan Thought. Moreover, for this identify of marketplace, funds financing is seldom an alternative, it's nigh e'er Pag-ibig because of the really low order for as we bang Pag-ibig or HMDF is pro slummy.
7) HOUSES ARE Tender AT THE Signaling BUT TOPSY TURVY IN THE Rising
It's the rattling nature of liberal and low expenditure protection that at the start, it appears modify and regulated (full writing) but by experience, meet a weigh of few eld, figure of the residents grow indiscriminately, some one-storey units are enlarged to position floor, spell the pledged domiciliate in a row remains one-storey thing. Others increase garage and barrier piece others are not. Others repaint their houses yellowish spell others chromatic or colour; and a lot of them righteous exhibit their hanged clothes reactionist in frontal of their houses. Such a scenario which is real plebeian module certainly egest the total goods lessen in valuate.
Be that as it may, I comfort believe it's swell to own a socialized or low outlay housing far improved than renting for the pose of one's chronicle. But let this finance be claustrophobic to very users and developers of the concept. Any investor who is not a individual but decides to buy in the trust that property income can variety him own various homes, gift certainly get in to effort with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to forestall him? I but and gladly acquire my ideas supported on real change and knowledge on sincere realty laws.
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