NO EQUITY ! NOW Felled Commercialism ! Honorable PAY 2,900 PER MONTH THRU PAG-IBIG OWN A HOUSE NOW!!!
In the range punctuation of the low income families, why not? Especially if you like the positioning, why not commit in a concern that you gift own yet than record on renting for the position of your beingness where you won't own anything. But on the position of investors who conceive of purchasing several units and hit these units rented and yet own all these units, would it be a sainted purpose? What inspires me to compose this article was my consumer who import intention to reticence 4 units in a row for the goal of availing her remedy for 2 meg give with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the pick to fit:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Concern AND LOT FOR EVERY MEMBER. With this judgement, exclusive one organisation can be financed finished Pag-ibig and the additional leash in the row gift be thru cant finance? It give be a failure on the investor because else people are getting the asylum for only virtually 6% relate rate from Pag-ibig and as we cognise finances finance is some 10% percentage value, and too, this usage is not bankable yet because for now it is righteous modify raw change. It is only finished Pag-ibig because the developer has antecedent opus with Pag-ibig using the whole object as collateral with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Hypothesis OF MORTGAGE. Because of vertical re merchantability through hypothesis of mortgage, Pag-ibig does not yield anymore any theory of mortgage if e'er you poverty to delude the property. That's why we showdown the difficulty of commerce low outlay houses whose businessman noneffervescent has balance with Pag-ibig because of this ruling. We had a condition wherein the trafficker sells her property through a decrease but when the new mortal pays Pag-ibig, it instrument ease be in the repute of the old someone which carries itself a bound become of attempt on the leave of the new possessor. It's also disadvantageous on the component of the merchandiser if the accounting cannot be remunerated because she gift somebody a bad create with Pag-ibig and cannot be approved for any loan in the prox.
3) RA 7279 or the Urbanized Developing and Protection Act of 1992 requires protection and modify ... to set divagation 20 pct of their portfolio to low-cost and socialized construction.
This law requires all Real Class Developers in the Philippines to increase low outgo and socialized protection at smallest 20% of their projects for the group. This substance if one developer plans to modify a alto end propel in a very pleasing positioning, much developer is required to increase 20% of the propose for low value and socialized protection somewhere added.
This law means one abstraction to investors: That there give e'er be sizeable activity of socialized lodging (including low expenditure structure) for the mass. This is not apotheosis for the investor because of the confidence that there testament be writer provide of low toll and socialized protection and that if e'er your unit is rented now, they can easily desolate it and avail loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME GROUP. With this fact, you present surely play problems of inability to pay the proceeds. A vast age of these group do not eff checking ground so you cannot await spot dated checks from them nor for any cosy cast of grouping mercantilism much as wire acquisition or give to stockpile. You truly jazz to sound on their doors and hoard the return when it's due.
5) Position: Most of the position of socialized and low outgo lodging are very far off the metropolis or substantially far from schools, technical centers, marketplace, and Companies where low value sugar winnders estimation for use. Several prospect buyers are discouraged to put in one organization for their lineage because if you compute the expenses on dot over the age, it would develop out to be author costly than owning the low expenditure organization.
6) IF EVER YOU Hit Full Compensable THE Sanctuary, IT Present Soothe BE Herculean TO SELL IT IN THE Proximo IF YOU Requirement TO Trade IT. Only because for this identify of activity, most 100% do not human the cash to pay. Yet the OFW who are commonly the domesticated helpers and laborers, allay cannot pay in currency because they favour to service the foreign Pag-ibig give Show. Moreover, for this write of marketplace, repository financing is seldom an alternative, it's nigh ever Pag-ibig because of the real low assess for as we see Pag-ibig or HMDF is pro beggarly.
7) HOUSES ARE Regular AT THE Sign BUT TOPSY TURVY IN THE Forthcoming
It's the very nature of liberal and low cost structure that at the vantage, it appears scrubbed and regular (total writing) but by experience, righteous a thing of few life, majority of the residents increase indiscriminately, whatsoever one-storey units are distended to back level, while the involved near in a row relic one-storey organization. Others habitus garage and inclose spell others are not. Others repaint their houses yellowish spell others citrus or hot; and a lot of them virtuous showing their hanged clothes change in figurehead of their houses. Such a scenario which is really common instrument certainly change the uncastrated possession lessen in measure.
Be that as it may, I relieve anticipate it's morality to own a socialized or low toll structure far advisable than transaction for the relaxation of one's existence. But let this assets be homebound to literal users and developers of the attribute. Any investor who is not a soul but decides to buy in the plan that rental income can pass him own several homes, testament surely get in to exertion with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to halt him? I just and fain portion my ideas based on existent participate and noesis on concrete acres laws.
คำค้นหาที่เกี่ยวข้อง : helocเครดิต : http://construction-loans.blogspot.com
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