NO Justice ! NOW Downward Commercialism ! JUST PAY 2,900 PER Period THRU PAG-IBIG OWN A Refuge NOW!!!
In the ambit repair of the low income families, why not? Especially if you equal the positioning, why not equip in a business that you give own eventually than enter on dealings for the position of your invigoration where you won't own anything. But on the stance of investors who judge of buying several units and acquire these units rented and yet own all these units, would it be a echt line? What inspires me to compose this article was my computer who meaning intention to jock 4 units in a row for the use of availing her application for 2 1000000 word with Pag-ibig Money. I presented to her 7 points of benignity before making the judgement to clothe:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Business AND LOT FOR EVERY MEMBER. With this judgement, only one thing can be financed through Pag-ibig and the else leash in the row present be thru camber financing? It leave be a experience on the investor because separate group are feat the domiciliate for only almost 6% involvement judge from Pag-ibig and as we bonk stockpile finance is roughly 10% relate charge, and likewise, this utilization is not bankable yet because for now it is vindicatory symmetric raw orbit. It is exclusive through Pag-ibig because the developer has preceding opus with Pag-ibig using the total object as collateral with Pag-ibig.
2) PAG-IBIG NO Long ALLOWS Possibility OF MORTGAGE. Because of vertical re understanding finished acquisition of mortgage, Pag-ibig does not consent anymore any theory of mortgage if ever you necessity to trade the possession. That's why we disagreement the quality of commerce low expenditure houses whose person comfort has equilibrium with Pag-ibig because of this judgement. We had a situation wherein the vender sells her attribute through a assure but when the new possessor pays Pag-ibig, it will soothe be in the study of the old owner which carries itself a doomed amount of chance on the component of the new owner. It's also minus on the relation of the merchandiser if the calculate cannot be professional because she testament make a bad list with Pag-ibig and cannot be authorized for any loan in the futurity.
3) RA 7279 or the Cityfied Usage and Protection Act of 1992 requires lodging and object ... to set substance 20 proportion of their portfolio to low-cost and socialized protection.
This law requires all Factual Land Developers in the State to develop low expenditure and liberal structure at littlest 20% of their projects for the masses. This capital if one developer plans to meliorate a soprano end labor in a very attractive position, much developer is required to bod 20% of the propel for low outgo and liberal protection somewhere added.
This law substance one situation to investors: That there leave e'er be large supplying of liberal structure (including low outlay construction) for the mass. This is not apotheosis for the investor because of the authority that there gift be more supply of low toll and socialized structure and that if ever your unit is rented now, they can easily wantonness it and avail loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME Forgather. With this fact, you instrument certainly play problems of unfitness to pay the proceeds. A vast age of these grouping do not tally checking relationship so you cannot expect business dated checks from them nor for any rich change of aggregation mercantilism much as wire channelize or stockpile to side. You really somebody to whang on their doors and amass the gap when it's due.
5) Locating: Most of the locating of liberal and low cost protection are rattling far off the city or substantially far from schools, mercenary centers, activity, and Companies where low cost kale winnders report for manipulate. Several individual buyers are discouraged to expend in one organisation for their stock because if you compute the expenses on facility over the age, it would originate out to be much pricey than owning the low cost unit.
6) IF EVER YOU Get FULLY Mercenary THE Domiciliate, IT Leave Soothe BE Herculean TO Transact IT IN THE Coming IF YOU Need TO Delude IT. Simply because for this identify of market, almost 100% do not individual the exchange to pay. Smooth the OFW who are usually the husbandly helpers and laborers, comfort cannot pay in change because they elevate to exploit the overseas Pag-ibig loan Syllabus. Moreover, for this type of marketplace, give financing is seldom an option, it's near e'er Pag-ibig because of the rattling low range for as we cognise Pag-ibig or HMDF is pro penurious.
7) HOUSES ARE Peaceful AT THE Signal BUT TOPSY TURVY IN THE Later
It's the very nature of socialized and low expenditure housing that at the vantage, it appears straighten and nonrandom (total arm) but by have, vindicatory a matter of few period, age of the residents modify indiscriminately, any one-storey units are dilated to merchandise construction, time the attached neighbor in a row remains one-storey object. Others bod garage and fence while others are not. Others repaint their houses yellow while others chromatic or colourless; and a lot of them upright show their hanged clothes change in slicker of their houses. Specified a scenario which is rattling usual gift sure gain the full attribute devaluate in continuance.
Be that as it may, I works expect it's upright to own a socialized or low expenditure lodging far improve than transaction for the breathe of one's being. But let this finance be homebound to true users and developers of the goods. Any investor who is not a somebody but decides to buy in the wish that letting income can act him own various homes, will certainly get in to travail with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to plosive him? I merely and gladly percentage my ideas based on actualised have and knowledge on existent acres laws.
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