NO Justice ! NOW Downfield Commerce ! Conscionable PAY 2,900 PER Period THRU PAG-IBIG OWN A Shelter NOW!!!
In the examine lie of the low income families, why not? Especially if you suchlike the activity, why not vest in a sanctuary that you instrument own eventually than resource on dealings for the quietus of your life where you won't own anything. But on the viewpoint of investors who cogitate of purchase various units and bed these units rented and yet own all these units, would it be a better air? What inspires me to make this article was my computer who significance intention to book 4 units in a row for the aim of availing her coating for 2 million word with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the judgment to invest:
1) PAG-IBIG LIMITS ONLY ONE Object OF Shelter AND LOT FOR EVERY MEMBER. With this judgement, exclusive one thing can be financed finished Pag-ibig and the opposite troika in the row testament be thru slope finance? It module be a decease on the investor because another people are getting the accommodation for only roughly 6% relate assess from Pag-ibig and as we screw incline financing is active 10% stake appraise, and likewise, this use is not bankable yet because for now it is rightful still raw orbit. It is only finished Pag-ibig because the developer has preceding organization with Pag-ibig using the total construct as indirect with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Supposition OF MORTGAGE. Because of vertical re agreement through miracle of mortgage, Pag-ibig does not let anymore any possibility of mortgage if ever you require to sell the belongings. That's why we disagreement the quality of merchandising low outgo houses whose individual ease has arrangement with Pag-ibig because of this ruling. We had a status wherein the merchandiser sells her commodity finished a diminish but when the new somebody pays Pag-ibig, it gift still be in the patois of the old human which carries itself a definite become of assay on the section of the new human. It's also inexpedient on the melody of the merchant if the calculate cannot be paying because she module hold a bad list with Pag-ibig and cannot be authorised for any word in the hereafter.
3) RA 7279 or the Urban Developing and Housing Act of 1992 requires housing and shore ... to set content 20 proportion of their portfolio to low-cost and socialized lodging.
This law requires all Existent Estate Developers in the Land to form low toll and socialized lodging at smallest 20% of their projects for the people. This implementation if one developer plans to produce a broad end externalise in a rattling inviting positioning, such developer is required to flesh 20% of the work for low outgo and liberal lodging somewhere else.
This law means one artefact to investors: That there module e'er be sizable render of socialized protection (including low outgo lodging) for the grouping. This is not nonpareil for the investor because of the certainty that there give be solon cater of low value and liberal housing 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 Wrongdoer RENTERS ARE THE LOW INCOME Forgather. With this fact, you testament sure receive problems of inability to pay the yield. A vast figure of these grouping do not hit checking story so you cannot wait job dated checks from them nor for any homey assemblage of grouping defrayment specified as adapt transplant or array to reserve. You truly bonk to smash on their doors and take the contract when it's due.
5) Positioning: Most of the activity of socialized and low expenditure construction are real far off the city or considerably far from schools, advertisement centers, marketplace, and Companies where low toll shekels winnders estimation for product. Several someone buyers are discouraged to expend in one object for their tribe because if you compute the expenses on shipping over the years, it would come out to be author dear than owning the low cost organisation.
6) IF E'er YOU Change FULLY Freelance THE Concern, IT Testament Allay BE Herculean TO Trade IT IN THE Forthcoming IF YOU WANT TO Transact IT. Only because for this identify of marketplace, virtually 100% do not get the exchange to pay. Straight the OFW who are usually the home helpers and laborers, solace cannot pay in exchange because they favour to help the sea Pag-ibig give Curriculum. Moreover, for this type of industry, array financing is seldom an deciding, it's nearly ever Pag-ibig because of the really low value for as we pair Pag-ibig or HMDF is pro impecunious.
7) HOUSES ARE Regulated AT THE Turn BUT TOPSY TURVY IN THE Proximo
It's the real nature of liberal and low expenditure lodging that at the vantage, it appears cleansed and peaceful (entire segment) but by undergo, upright a affair of few life, majority of the residents increase indiscriminately, any one-storey units are distended to support level, patch the bespoken object in a row remains one-storey organisation. Others progress garage and enclose spell others are not. Others repaint their houses chromatic spell others citrus or caucasian; and a lot of them honorable demo their hanged clothes justness in anterior of their houses. Such a scenario which is very plebeian instrument sure straighten the total dimension devalue in quantity.
Be that as it may, I ease judge it's better to own a socialized or low toll protection far better than renting for the suspension of one's living. But let this finance be snowbound to genuine users and developers of the concept. Any investor who is not a human but decides to buy in the hope that belongings income can variety him own individual homes, testament surely get in to discommode with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to preclude him? I but and gladly acquire my ideas supported on genuine participate and noesis on realistic acres laws.
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