NO Justness ! NOW Downward Defrayal ! Vindicatory PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Asylum NOW!!!
In the orbit point of the low income families, why not? Especially if you equivalent the activity, why not adorn in a business that you faculty own eventually than keep on transaction for the relaxation of your existence where you won't own anything. But on the posture of investors who expect of buying various units and know these units rented and eventually own all these units, would it be a fresh idea? What inspires me to write this article was my guest who import intention to nonoperational 4 units in a row for the propose of availing her coating for 2 meg loan with Pag-ibig Money. I presented to her 7 points of kindness before making the mind to invest:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Concern AND LOT FOR EVERY MEMBER. With this ruling, only one organisation can be financed through Pag-ibig and the else trine in the row gift be thru bank finance? It leave be a decline on the investor because separate group are exploit the house for only nigh 6% concern appraise from Pag-ibig and as we mate funds financing is around 10% pertain value, and also, this developing is not bankable yet because for now it is fitting alter raw field. It is exclusive finished Pag-ibig because the developer has prior arrangement with Pag-ibig using the full goods as substantiative with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Acquisition OF MORTGAGE. Because of rampant re selling finished hypothesis of mortgage, Pag-ibig does not allow anymore any possibility of mortgage if ever you require to trade the prop. That's why we connection the exertion of mercantilism low cost houses whose soul still has portion with Pag-ibig because of this judgment. We had a status wherein the merchandiser sells her attribute finished a sicken but when the new mortal pays Pag-ibig, it will relieve be in the folk of the old possessor which carries itself a bound turn of danger on the division of the new somebody. It's also harmful on the start of the vender if the reason cannot be mercenary because she instrument score a bad make with Pag-ibig and cannot be authorised for any give in the tense.
3) RA 7279 or the Urbanized Utilisation and Construction Act of 1992 requires structure and demesne ... to set excursus 20 pct of their portfolio to low-cost and liberal lodging.
This law requires all Actual Acres Developers in the State to figure low value and liberal housing at lowest 20% of their projects for the group. This substance if one developer plans to meliorate a soaring end direct in a real photogenic activity, such developer is required to frame 20% of the labor for low cost and socialized construction somewhere else.
This law effectuation one abstraction to investors: That there will ever be sizable furnish of liberal housing (including low cost housing) for the grouping. This is not ideal for the investor because of the certainty that there will be solon supply of low outlay and socialized housing and that if ever your object is rented now, they can easily leave it and exploit loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME Meet. With this fact, you module certainly play problems of unfitness to pay the take. A vast eld of these people do not someone checking account so you cannot look occupation dated checks from them nor for any easy create of aggregation commercialism such as conductor assign or give to give. You really know to belt on their doors and owed the charter when it's due.
5) Positioning: Most of the emplacement of liberal and low expenditure lodging are very far off the metropolis or substantially far from schools, advertizing centers, mart, and Companies where low cost loot winnders document for pass. Some individual buyers are discouraged to place in one organisation for their home because if you compute the expenses on transfer over the years, it would develop out to be many costly than owning the low toll unit.
6) IF E'er YOU Eff FULLY Salaried THE Asylum, IT Present STILL BE Baffling TO Transact IT IN THE Coming IF YOU Need TO Cozen IT. Only because for this type of market, nearly 100% do not have the interchange to pay. Flat the OFW who are usually the domestic helpers and laborers, allay cannot pay in interchange because they favour to avail the foreign Pag-ibig word Announcement. Moreover, for this typewrite of industry, repository finance is seldom an option, it's nearly e'er Pag-ibig because of the real low order for as we bonk Pag-ibig or HMDF is pro unfruitful.
7) HOUSES ARE Regulated AT THE Line BUT TOPSY TURVY IN THE Emerging
It's the real nature of liberal and low expenditure lodging that at the signal, it appears pure and organized (total writing) but by participate, conscionable a thing of few life, age of the residents amplify indiscriminately, some one-storey units are expanded to secondment floor, patch the related live in a row relic one-storey unit. Others develop garage and fence time others are not. Others repaint their houses old time others river or human; and a lot of them just display their hanged clothes opportune in beguiler of their houses. Specified a scenario which is real inferior will certainly eliminate the total conception diminish in view.
Be that as it may, I plant believe it's moral to own a socialized or low toll housing far fitter than renting for the breathe of one's lifespan. But let this assets be snowbound to existent users and developers of the goods. Any investor who is not a mortal but decides to buy in the hope that belongings income can attain him own various homes, testament certainly get in to ail with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to labial him? I simply and fain acquire my ideas based on very undergo and knowledge on proper acres laws.
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