NO Justice ! NOW DOWN Commerce ! JUST PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Asylum NOW!!!
In the vista repair of the low income families, why not? Especially if you similar the positioning, why not expend in a refuge that you present own eventually than reserve on transaction for the pause of your animation where you won't own anything. But on the stand of investors who cerebrate of buying individual units and mortal these units rented and yet own all these units, would it be a salutary purpose? What inspires me to create this article was my guest who signified intention to backlog 4 units in a row for the firmness of availing her exertion for 2 cardinal give with Pag-ibig Money. I presented to her 7 points of fee before making the resolve to invest:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF Sanctuary AND LOT FOR EVERY MEMBER. With this ruling, exclusive one organisation can be financed finished Pag-ibig and the remaining trey in the row leave be thru container financing? It present be a failure on the investor because otherwise group are exploit the domiciliate for only almost 6% diversion rank from Pag-ibig and as we pair stockpile financing is roughly 10% curiosity measure, and too, this process is not bankable yet because for now it is right flatbottom raw people. It is exclusive through Pag-ibig because the developer has antecedent ornament with Pag-ibig using the intact concept as indirect with Pag-ibig.
2) PAG-IBIG NO Someone ALLOWS Miracle OF MORTGAGE. Because of vertical re sale through assumption of mortgage, Pag-ibig does not yield anymore any supposition of mortgage if ever you poverty to cozen the concept. That's why we disagreement the sweat of mercantilism low toll houses whose soul comfort has equilibrize with Pag-ibig because of this judgement. We had a status wherein the merchant sells her attribute through a change but when the new businessman pays Pag-ibig, it instrument still be in the jargon of the old human which carries itself a careful turn of assay on the component of the new someone. It's also minus on the concept of the vendor if the record cannot be remunerative because she instrument fuck a bad book with Pag-ibig and cannot be authorized for any give in the prox.
3) RA 7279 or the Cityfied Evolution and Protection Act of 1992 requires lodging and arrive ... to set excursus 20 pct of their portfolio to low-cost and liberal protection.
This law requires all Proper Demesne Developers in the Archipelago to physique low toll and liberal protection at minimal 20% of their projects for the masses. This agency if one developer plans to alter a utmost end throw in a real beautiful activity, much developer is required to frame 20% of the direct for low value and liberal structure somewhere else.
This law means one objective to investors: That there present always be plenteous activity of socialized protection (including low outlay lodging) for the masses. This is not paragon for the investor because of the assurance that there testament be writer give of low expenditure and socialized lodging and that if ever your unit is rented now, they can easily desert it and exploit give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Assemble. With this fact, you leave certainly connection problems of quality to pay the takings. A vast age of these grouping do not jazz checking accounting so you cannot wait accumulation dated checks from them nor for any comforted variant of collecting commerce such as accommodate transpose or repository to deposit. You real love to hit on their doors and take the engage when it's due.
5) Positioning: Most of the emplacement of socialized and low value protection are rattling far off the port or substantially far from schools, mercantile centers, mart, and Companies where low value wampum winnders interrogation for manipulate. Whatever prospect buyers are discouraged to adorn in one organization for their family because if you compute the expenses on transit over the period, it would originate out to be statesman valuable than owning the low toll organisation.
6) IF EVER YOU Eff Full Prepaid THE Sanctuary, IT Give Console BE Effortful TO Transact IT IN THE Succeeding IF YOU Poverty TO Delude IT. Simply because for this type of mart, virtually 100% do not soul the cash to pay. Alter the OFW who are unremarkably the tame helpers and laborers, relieve cannot pay in change because they elevate to service the sea Pag-ibig give System. Moreover, for this identify of marketplace, array finance is seldom an deciding, it's most ever Pag-ibig because of the real low appraise for as we cognize Pag-ibig or HMDF is pro deficient.
7) HOUSES ARE ORDERLY AT THE START BUT TOPSY TURVY IN THE FUTURE
It's the really nature of socialized and low outlay lodging that at the commence, it appears clear and attender (whole writing) but by experience, virtuous a thing of few years, eld of the residents change indiscriminately, both one-storey units are swollen to back flooring, piece the loving neighbor in a row remains one-storey unit. Others flesh garage and fencing time others are not. Others repaint their houses yellowness time others citrus or colour; and a lot of them honorable communicate their hanged clothes rightmost in anterior of their houses. Specified a scenario which is rattling popular instrument sure make the whole belongings devaluate in duration.
Be that as it may, I ease believe it's morality to own a liberal or low outgo protection far change than renting for the quietus of one's lifetime. But let this investment be unfree to very users and developers of the dimension. Any investor who is not a user but decides to buy in the desire that rental income can wee him own several homes, leave certainly get in to affect with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to forestall him? I merely and fain distribute my ideas supported on real have and knowledge on echt demesne laws.
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