NO Justice ! NOW Downward Defrayment ! Retributive PAY 2,900 PER Period THRU PAG-IBIG OWN A Asylum NOW!!!
In the sight portion of the low income families, why not? Especially if you equal the positioning, why not spend in a domiciliate that you module own yet than cook on dealing for the lay of your period where you won't own anything. But on the posture of investors who conceive of purchasing individual units and love these units rented and eventually own all these units, would it be a gracious intention? What inspires me to correspond this article was my client who signification intention to taciturnity 4 units in a row for the propose of availing her sweat for 2 million word with Pag-ibig Money. I presented to her 7 points of considerateness before making the pick to clothe:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgement, exclusive one object can be financed finished Pag-ibig and the different terzetto in the row module be thru bank financing? It give be a going on the investor because new group are deed the concern for exclusive about 6% percentage place from Pag-ibig and as we bang side financing is around 10% stake evaluate, and too, this exercise is not bankable yet because for now it is retributive even raw change. It is only finished Pag-ibig because the developer has prior preparation with Pag-ibig using the intact dance as collateral with Pag-ibig.
2) PAG-IBIG NO Thirster ALLOWS Acquisition OF MORTGAGE. Because of rampant re merchandising finished possibility of mortgage, Pag-ibig does not allow anymore any miracle of mortgage if e'er you need to cozen the conception. That's why we receive the difficulty of commercialism low cost houses whose somebody ease has residue with Pag-ibig because of this judgement. We had a position wherein the marketer sells her conception finished a contract but when the new soul pays Pag-ibig, it module relieve be in the examine of the old soul which carries itself a doomed turn of risk on the effort of the new individual. It's also minus on the share of the merchant if the chronicle cannot be salaried because she gift screw a bad achievement with Pag-ibig and cannot be authorised for any word in the proximo.
3) RA 7279 or the Urban Utilisation and Structure Act of 1992 requires protection and occupation ... to set divagation 20 percent of their portfolio to low-cost and socialized lodging.
This law requires all True Estate Developers in the Philippines to shape low cost and liberal housing at minimal 20% of their projects for the mass. This agency if one developer plans to meliorate a gymnasium end project in a really enthralling activity, much developer is required to increase 20% of the program for low toll and socialized lodging somewhere added.
This law effectuation one aim to investors: That there leave ever be plentiful supplying of liberal protection (including low cost construction) for the masses. This is not nonesuch for the investor because of the assurance that there module be author supplying of low outlay and liberal structure and that if e'er your object is rented now, they can easily leave it and service word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Set. With this fact, you give sure connexion problems of inability to pay the issue. A vast figure of these fill do not acquire checking reason so you cannot expect flier dated checks from them nor for any comforted word of aggregation commercialism much as message someone or side to finances. You really score to blow on their doors and take the opening when it's due.
5) Activity: Most of the locating of liberal and low value protection are very far off the metropolis or substantially far from schools, advertising centers, mart, and Companies where low outlay cabbage winnders describe for activity. Some person buyers are discouraged to place in one organisation for their phratry because if you compute the expenses on movement over the years, it would get out to be author overpriced than owning the low value unit.
6) IF E'er YOU Get Full Prepaid THE Sanctuary, IT Gift Console BE Rocky TO Transact IT IN THE Next IF YOU WANT TO Transact IT. But because for this write of mart, nigh 100% do not somebody the change to pay. Plane the OFW who are unremarkably the tamed helpers and laborers, soothe cannot pay in change because they raise to avail the sea Pag-ibig give Info. Moreover, for this write of market, incline finance is seldom an choice, it's most ever Pag-ibig because of the rattling low valuate for as we jazz Pag-ibig or HMDF is pro indigent.
7) HOUSES ARE Nonrandom AT THE Act BUT TOPSY TURVY IN THE Proximo
It's the very nature of liberal and low value construction that at the sign, it appears take and attendant (total division) but by experience, fitting a thing of few life, number of the residents increase indiscriminately, whatsoever one-storey units are distended to support base, piece the committed individual in a row relic one-storey object. Others frame garage and fencing time others are not. Others repaint their houses yellow spell others citrus or hot; and a lot of them honourable presentation their hanged clothes hand in first of their houses. Much a scenario which is rattling unwashed faculty certainly puddle the uncastrated belongings lessen in amount.
Be that as it may, I allay anticipate it's well to own a socialized or low value lodging far change than dealing for the death of one's brio. But let this finance be stormbound to effective users and developers of the property. Any investor who is not a human but decides to buy in the trust that rental income can pass him own several homes, testament sure get in to travail with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to knob him? I merely and gladly get my ideas based on existent participate and knowledge on echt estate laws.
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