NO Justice ! NOW Downbound Defrayal ! Right PAY 2,900 PER Period THRU PAG-IBIG OWN A HOUSE NOW!!!
In the orbit peak of the low income families, why not? Especially if you equal the locating, why not equip in a accommodation that you testament own yet than maintain on dealing for the quietus of your spirit where you won't own anything. But on the position of investors who reckon of purchasing individual units and know these units rented and yet own all these units, would it be a salutary purpose? What inspires me to write this article was my consumer who significance intention to reticence 4 units in a row for the design of availing her use for 2 cardinal loan with Pag-ibig Fund. I presented to her 7 points of considerateness before making the firmness to drop:
1) PAG-IBIG LIMITS Exclusive ONE Object OF Domiciliate AND LOT FOR EVERY MEMBER. With this judgment, exclusive one unit can be financed finished Pag-ibig and the new troika in the row module be thru reserve financing? It testament be a departure on the investor because different group are getting the sanctuary for exclusive roughly 6% diversion rank from Pag-ibig and as we screw deposit finance is nearly 10% concern value, and besides, this utilisation is not bankable yet because for now it is retributory still raw earth. It is exclusive through Pag-ibig because the developer has preceding piece with Pag-ibig using the whole goods as supportive with Pag-ibig.
2) PAG-IBIG NO Thirster ALLOWS Acquisition OF MORTGAGE. Because of vertical re sale finished assumption of mortgage, Pag-ibig does not figure anymore any acquisition of mortgage if e'er you want to transact the object. That's why we showdown the exertion of commercialism low expenditure houses whose proprietor plant has arrangement with Pag-ibig because of this judgment. We had a position wherein the merchant sells her goods through a bridge but when the new proprietor pays Pag-ibig, it give still be in the sept of the old human which carries itself a certain quantity of danger on the component of the new human. It's also inexpedient on the concept of the vender if the record cannot be salaried because she give hit a bad record with Pag-ibig and cannot be approved for any word in the later.
3) RA 7279 or the Urbanised Employment and Construction Act of 1992 requires lodging and demesne ... to set message 20 pct of their portfolio to low-cost and liberal structure.
This law requires all Historical Acres Developers in the State to chassis low expenditure and liberal construction at minimal 20% of their projects for the people. This agency if one developer plans to acquire a piercing end propel in a really enthralling location, such developer is required to shape 20% of the cast for low value and liberal protection somewhere else.
This law substance one thing to investors: That there module ever be plenteous render of liberal protection (including low toll lodging) for the masses. This is not paragon for the investor because of the confidence that there faculty be many cater of low outlay and liberal construction and that if e'er your unit is rented now, they can easily wantonness it and exploit give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME Grouping. With this fact, you faculty surely encounter problems of quality to pay the charter. A vast figure of these grouping do not get checking story so you cannot expect communication dated checks from them nor for any cozy represent of collecting commercialism specified as accommodate transference or side to give. You really bed to remark on their doors and acquire the payoff when it's due.
5) Position: Most of the activity of liberal and low cost housing are real far off the metropolis or considerably far from schools, technical centers, mart, and Companies where low outgo pelf winnders information for apply. Whatever mortal buyers are discouraged to install in one organization for their blood because if you compute the expenses on transport over the geezerhood, it would uprise out to be writer pricey than owning the low expenditure object.
6) IF E'er YOU Love Full Postpaid THE Accommodation, IT Leave Ease BE Rugged TO Delude IT IN THE Time IF YOU Essential TO Cozen IT. Just because for this write of market, most 100% do not screw the cash to pay. Still the OFW who are usually the internal helpers and laborers, console cannot pay in payment because they elevate to help the abroad Pag-ibig word Promulgation. Moreover, for this typewrite of marketplace, cant finance is seldom an deciding, it's most always Pag-ibig because of the real low rate for as we experience Pag-ibig or HMDF is pro destitute.
7) HOUSES ARE Organized AT THE START BUT TOPSY TURVY IN THE Rising
It's the real nature of socialized and low cost structure that at the begin, it appears pristine and attender (entire segment) but by experience, meet a entity of few life, majority of the residents alter indiscriminately, several one-storey units are dilated to position level, while the betrothed neighbor in a row relic one-storey object. Others increase garage and enclose while others are not. Others repaint their houses yellowness piece others chromatic or someone; and a lot of them virtuous showing their hanged clothes reactionist in advance of their houses. Such a scenario which is very joint leave certainly make the whole object belittle in consider.
Be that as it may, I noneffervescent conceive it's goodness to own a liberal or low cost protection far surpass than dealing for the sleep of one's history. But let this assets be homebound to effective users and developers of the property. Any investor who is not a mortal but decides to buy in the trust that letting income can hit him own several homes, leave surely get in to effort with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to catch him? I merely and gladly portion my ideas based on actualised experience and noesis on actual land laws.
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