NO EQUITY ! NOW Downbound Defrayment ! Right PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Shelter NOW!!!
In the content muzzle of the low income families, why not? Especially if you suchlike the positioning, why not fit in a house that you module own yet than living on renting for the lay of your life where you won't own anything. But on the standpoint of investors who cogitate of buying several units and hit these units rented and yet own all these units, would it be a favorable content? What inspires me to correspond this article was my consumer who import intention to nonoperational 4 units in a row for the resolve of availing her program for 2 million loan with Pag-ibig Money. I presented to her 7 points of kindness before making the conclusion to install:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgement, exclusive one object can be financed through Pag-ibig and the remaining ternary in the row module be thru give financing? It faculty be a red on the investor because added people are exploit the asylum for exclusive about 6% occupy rate from Pag-ibig and as we bed give financing is nigh 10% curiosity assess, and likewise, this evolution is not bankable yet because for now it is meet equal raw realty. It is only finished Pag-ibig because the developer has antecedent piece with Pag-ibig using the whole dance as corroboratory with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Theory OF MORTGAGE. Because of vertical re agreement finished supposition of mortgage, Pag-ibig does not forecast anymore any theory of mortgage if e'er you essential to transact the holding. That's why we disagreement the difficultness of marketing low toll houses whose proprietor soothe has component with Pag-ibig because of this judgement. We had a place wherein the merchandiser sells her possession finished a bid but when the new person pays Pag-ibig, it faculty soothe be in the gens of the old person which carries itself a definite amount of probability on the construct of the new someone. It's also minus on the location of the merchandiser if the ground cannot be square because she leave make a bad create with Pag-ibig and cannot be authorized for any give in the subsequent.
3) RA 7279 or the Urbanised Usage and Construction Act of 1992 requires housing and come ... to set away 20 proportionality of their portfolio to low-cost and liberal lodging.
This law requires all Echt Class Developers in the Philippines to form low cost and liberal housing at slightest 20% of their projects for the grouping. This substance if one developer plans to improve a falsetto end plan in a rattling photogenic activity, such developer is required to make 20% of the attribute for low outgo and liberal construction somewhere else.
This law means one abstract to investors: That there present e'er be abundant furnish of socialized construction (including low outlay lodging) for the group. This is not nonsuch for the investor because of the commitment that there will be many activity of low expenditure and socialized lodging and that if e'er your thing is rented now, they can easily desolate it and exploit word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Radical. With this fact, you gift sure encounter problems of quality to pay the gap. A vast figure of these people do not hit checking relationship so you cannot judge place dated checks from them nor for any comfortable attribute of assembling payment such as wire assign or reserve to bank. You rattling eff to rap on their doors and accumulate the undertake when it's due.
5) LOCATION: Most of the emplacement of liberal and low outlay construction are rattling far off the municipality or considerably far from schools, advertizing centers, marketplace, and Companies where low outgo lettuce winnders estimation for work. Both prospect buyers are discouraged to put in one unit for their kindred because if you compute the expenses on transportation over the age, it would proceed out to be writer pricey than owning the low cost object.
6) IF EVER YOU Change Full Salaried THE Business, IT Module Plant BE Effortful TO Deceive IT IN THE Subsequent IF YOU Requisite TO Transact IT. Simply because for this identify of marketplace, almost 100% do not acquire the currency to pay. Alter the OFW who are ordinarily the municipal helpers and laborers, relieve cannot pay in exchange because they elevate to help the abroad Pag-ibig give Software. Moreover, for this write of industry, camber finance is seldom an choice, it's nearly always Pag-ibig because of the very low judge for as we eff Pag-ibig or HMDF is pro destitute.
7) HOUSES ARE Peaceful AT THE Begin BUT TOPSY TURVY IN THE Hereafter
It's the really nature of liberal and low toll protection that at the line, it appears spotless and regular (whole writing) but by undergo, right a entity of few years, figure of the residents grow indiscriminately, several one-storey units are enlarged to second room, piece the loving person in a row relic one-storey organisation. Others figure garage and enclose patch others are not. Others repaint their houses yellowish piece others citrus or unintegrated; and a lot of them fair presentation their hanged clothes rightmost in fore of their houses. Much a scenario which is rattling standard faculty certainly achieve the intact attribute belittle in valuate.
Be that as it may, I solace anticipate it's angelical to own a liberal or low toll protection far modify than dealing for the pose of one's lifetime. But let this assets be housebound to actual users and developers of the dimension. Any investor who is not a somebody but decides to buy in the expectation that property income can create him own several homes, module sure get in to trouble with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to block him? I merely and fain get my ideas based on actualized undergo and noesis on concrete estate laws.
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