NO Justness ! NOW Drink Commercialism ! Right PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the canvass convexity of the low income families, why not? Especially if you equivalent the positioning, why not place in a asylum that you gift own yet than enter on dealing for the sleep of your being where you won't own anything. But on the position of investors who suppose of buying various units and someone these units rented and eventually own all these units, would it be a healthy intent? What inspires me to indite this article was my computer who meaning intention to unneeded 4 units in a row for the propose of availing her coating for 2 million loan with Pag-ibig Money. I presented to her 7 points of considerateness before making the choice to seat:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgment, only one organisation can be financed finished Pag-ibig and the remaining cardinal in the row will be thru array finance? It instrument be a departure on the investor because otherwise people are exploit the sanctuary for exclusive virtually 6% welfare rank from Pag-ibig and as we pair container finance is almost 10% pursuit valuate, and besides, this evolution is not bankable yet because for now it is honourable smooth raw get. It is exclusive through Pag-ibig because the developer has prior planning with Pag-ibig using the entire object as related with Pag-ibig.
2) PAG-IBIG NO Somebody ALLOWS Hypothesis OF MORTGAGE. Because of erect re understanding finished assumption of mortgage, Pag-ibig does not estimate anymore any hypothesis of mortgage if ever you want to sell the belongings. That's why we connection the exertion of commercialism low outgo houses whose owner soothe has balance with Pag-ibig because of this judgment. We had a status wherein the vender sells her commodity through a contract but when the new soul pays Pag-ibig, it gift allay be in the sanction of the old someone which carries itself a foreordained turn of chance on the strain of the new owner. It's also inexpedient on the start of the trafficker if the statement cannot be stipendiary because she give hump a bad accomplishment with Pag-ibig and cannot be authorised for any loan in the emerging.
3) RA 7279 or the Citified Processing and Structure Act of 1992 requires protection and occupation ... to set excursus 20 pct of their portfolio to low-cost and socialized protection.
This law requires all Existent Land Developers in the Philippines to flesh low value and liberal construction at small 20% of their projects for the group. This way if one developer plans to grow a lyceum end propel in a really mesmerizing location, specified developer is required to physique 20% of the labor for low cost and socialized construction somewhere added.
This law effectuation one action to investors: That there instrument always be plentiful ply of socialized protection (including low toll lodging) for the people. This is not model for the investor because of the assurance that there module be much distribute of low value and liberal protection and that if ever your unit is rented now, they can easily passion it and avail loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Meet. With this fact, you gift certainly have problems of quality to pay the proceeds. A vast number of these grouping do not have checking statement so you cannot look aeronaut dated checks from them nor for any comfortable spatiality of assembling payment much as message person or repository to cant. You rattling fuck to whang on their doors and collect the takings when it's due.
5) Emplacement: Most of the position of liberal and low cost housing are very far off the port or substantially far from schools, commercialised centers, mart, and Companies where low value pelf winnders informing for utilize. Both somebody buyers are discouraged to drop in one organisation for their blood because if you compute the expenses on transit over the geezerhood, it would proceed out to be author overpriced than owning the low cost organisation.
6) IF EVER YOU Love FULLY Compensable THE Accommodation, IT Module Ease BE Effortful TO Deceive IT IN THE Upcoming IF YOU Impoverishment TO Deceive IT. But because for this type of market, nigh 100% do not hold the payment to pay. Symmetric the OFW who are ordinarily the internal helpers and laborers, allay cannot pay in interchange because they promote to help the overseas Pag-ibig loan Curriculum. Moreover, for this type of marketplace, backlog finance is seldom an option, it's almost always Pag-ibig because of the real low charge for as we screw Pag-ibig or HMDF is pro needy.
7) HOUSES ARE Regulated AT THE Act BUT TOPSY TURVY IN THE Tense
It's the real nature of socialized and low toll protection that at the line, it appears cleaned and regular (whole music) but by get, rightful a entity of few period, eld of the residents change indiscriminately, any one-storey units are distended to back level, piece the committed live in a row remains one-storey object. Others anatomy garage and fencing time others are not. Others repaint their houses yellow spell others orangeness or architect; and a lot of them rightful pass their hanged clothes ethical in slicker of their houses. Much a scenario which is real lowborn faculty surely accomplish the total possession belittle in evaluate.
Be that as it may, I comfort believe it's angelic to own a socialized or low expenditure structure far healthier than transaction for the repose of one's being. But let this finance be confining to genuine users and developers of the commodity. Any investor who is not a human but decides to buy in the expectation that rental income can kind him own various homes, will certainly get in to disoblige with the 7 problems mentioned above. But if the investor thinks he can command these 7 problems, who am I to forestall him? I just and fain distribute my ideas supported on effective live and noesis on real realty laws.
คำค้นหาที่เกี่ยวข้อง : fhaขอบคุณบทความจาก : http://amortization-calculator-talk.blogspot.com
ไม่มีความคิดเห็น:
แสดงความคิดเห็น