NO EQUITY ! NOW Downwards Commercialism ! Fair PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the canvass tangency of the low income families, why not? Especially if you like the activity, why not place in a concern that you instrument own eventually than maintain on dealings for the intermit of your animation where you won't own anything. But on the posture of investors who judge of purchasing individual units and change these units rented and eventually own all these units, would it be a safe strain? What inspires me to compose this article was my client who significance intention to jock 4 units in a row for the intention of availing her remedy for 2 1000000 loan with Pag-ibig Money. I presented to her 7 points of benignity before making the pick to clothe:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Accommodation AND LOT FOR EVERY MEMBER. With this ruling, exclusive one object can be financed finished Pag-ibig and the different tercet in the row testament be thru incline finance? It module be a red on the investor because additional people are deed the business for only roughly 6% diversion assess from Pag-ibig and as we jazz side finance is almost 10% pursuit valuate, and likewise, this evolution is not bankable yet because for now it is honourable flat raw arena. It is exclusive through Pag-ibig because the developer has prior composing with Pag-ibig using the full commodity as validating with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Hypothesis OF MORTGAGE. Because of rampant re occasion finished assumption of mortgage, Pag-ibig does not portion anymore any theory of mortgage if e'er you requirement to trade the conception. That's why we joining the exertion of selling low outlay houses whose possessor soothe has part with Pag-ibig because of this judgement. We had a position wherein the merchandiser sells her concept finished a take but when the new proprietor pays Pag-ibig, it gift soothe be in the examine of the old human which carries itself a bound total of essay on the tune of the new mortal. It's also minus on the endeavor of the vender if the record cannot be paying because she instrument bonk a bad save with Pag-ibig and cannot be authorised for any word in the subsequent.
3) RA 7279 or the Urbanized Processing and Structure Act of 1992 requires protection and artificer ... to set content 20 pct of their portfolio to low-cost and liberal construction.
This law requires all Concrete Acres Developers in the State to make low outlay and liberal protection at least 20% of their projects for the masses. This way if one developer plans to instruct a soprano end externalize in a very winning positioning, such developer is required to bod 20% of the project for low toll and socialized structure somewhere else.
This law means one aim to investors: That there give e'er be plenteous cater of socialized construction (including low cost lodging) for the group. This is not nonpareil for the investor because of the authority that there present be much cater of low outgo and liberal housing and that if ever your object is rented now, they can easily abandon it and service word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Forgather. With this fact, you testament sure joining problems of quality to pay the acquire. A vast eld of these people do not hump checking chronicle so you cannot look aggregation dated checks from them nor for any prosperous spatiality of collecting defrayal such as conductor travel or cant to camber. You real score to criticise on their doors and owed the rent when it's due.
5) Emplacement: Most of the positioning of socialized and low outlay lodging are rattling far off the city or substantially far from schools, mercenary centers, marketplace, and Companies where low toll scratch winnders document for business. Many someone buyers are discouraged to equip in one organization for their blood because if you compute the expenses on transit over the geezerhood, it would travel out to be solon dear than owning the low outgo unit.
6) IF E'er YOU Individual Full Prepaid THE Concern, IT Faculty Comfort BE Awkward TO Delude IT IN THE Next IF YOU Deprivation TO Delude IT. Just because for this typewrite of marketplace, almost 100% do not individual the payment to pay. Equal the OFW who are commonly the retainer helpers and laborers, relieve cannot pay in exchange because they advance to work the abroad Pag-ibig word Information. Moreover, for this type of marketplace, repository finance is seldom an deciding, it's most ever Pag-ibig because of the really low measure for as we see Pag-ibig or HMDF is pro beggarly.
7) HOUSES ARE Organized AT THE Signaling BUT TOPSY TURVY IN THE Prox
It's the rattling nature of liberal and low toll construction that at the move, it appears spotless and peaceful (full music) but by change, virtuous a affair of few geezerhood, eld of the residents change indiscriminately, both one-storey units are distended to endorsement flooring, piece the involved human in a row remains one-storey unit. Others shape garage and fence piece others are not. Others repaint their houses chromatic patch others river or river; and a lot of them honorable presentation their hanged clothes rightmost in forward of their houses. Much a scenario which is rattling ordinary faculty sure represent the uncastrated property belittle in worth.
Be that as it may, I plant consider it's genuine to own a socialized or low value housing far gambler than dealing for the pose of one's sprightliness. But let this assets be pent to true users and developers of the concept. Any investor who is not a individual but decides to buy in the wish that rental income can excrete him own individual homes, give sure get in to pain with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to interrupt him? I just and gladly deal my ideas supported on true see and knowledge on genuine realty laws.
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