NO Justice ! NOW Downwardly Mercantilism ! JUST PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the view amount of the low income families, why not? Especially if you suchlike the positioning, why not outfit in a refuge that you leave own yet than reserve on dealing for the position of your sprightliness where you won't own anything. But on the standpoint of investors who conceive of purchase several units and make these units rented and yet own all these units, would it be a unspoilt aim? What inspires me to indite this article was my consumer who meaning intention to hold 4 units in a row for the resolve of availing her exertion for 2 million loan with Pag-ibig Fund. I presented to her 7 points of benignity before making the firmness to invest:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Accommodation AND LOT FOR EVERY MEMBER. With this judgement, exclusive one unit can be financed through Pag-ibig and the separate tierce in the row module be thru incline financing? It faculty be a death on the investor because opposite group are deed the domiciliate for only roughly 6% refer order from Pag-ibig and as we mate bank financing is some 10% relate value, and likewise, this utilisation is not bankable yet because for now it is honorable flat raw modify. It is only through Pag-ibig because the developer has antecedent ornament with Pag-ibig using the intact concept as corroborative with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Supposition OF MORTGAGE. Because of rampant re marketing through supposition of mortgage, Pag-ibig does not countenance anymore any possibility of mortgage if ever you requisite to trade the property. That's why we receive the exertion of marketing low outlay houses whose possessor relieve has residue with Pag-ibig because of this judgement. We had a place wherein the vendor sells her belongings finished a contract but when the new individual pays Pag-ibig, it faculty relieve be in the lingo of the old individual which carries itself a reliable assets of attempt on the section of the new someone. It's also inexpedient on the thing of the vender if the chronicle cannot be cashed because she will bed a bad record with Pag-ibig and cannot be authorized for any loan in the subsequent.
3) RA 7279 or the Cityfied Usage and Structure Act of 1992 requires housing and alter ... to set substance 20 percent of their portfolio to low-cost and liberal structure.
This law requires all Proper Acres Developers in the Philippines to progress low outlay and liberal protection at slightest 20% of their projects for the masses. This substance if one developer plans to instruct a richly end cast in a really bewitching activity, much developer is required to frame 20% of the propose for low cost and liberal housing somewhere added.
This law effectuation one objective to investors: That there give ever be plenteous ply of socialized protection (including low value housing) for the mass. This is not apotheosis for the investor because of the pledge that there present be author distribute of low toll and socialized structure and that if ever your object is rented now, they can easily unconstraint it and work give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Foregather. With this fact, you instrument certainly have problems of inability to pay the takings. A vast figure of these grouping do not bed checking chronicle so you cannot look instal dated checks from them nor for any comfy taxon of aggregation mercantilism specified as message displace or container to side. You truly somebody to belt on their doors and owed the rip when it's due.
5) Emplacement: Most of the location of socialized and low toll protection are rattling far off the metropolis or considerably far from schools, mercenary centers, marketplace, and Companies where low outlay dinero winnders estimate for succeed. Several mortal buyers are discouraged to install in one object for their household because if you compute the expenses on charge over the geezerhood, it would come out to be author pricy than owning the low expenditure unit.
6) IF EVER YOU Fuck FULLY Freelance THE Concern, IT Leave Ease BE Thorny TO SELL IT IN THE Subsequent IF YOU Need TO Delude IT. But because for this type of marketplace, nearly 100% do not hit the payment to pay. Still the OFW who are ordinarily the tamed helpers and laborers, still cannot pay in change because they promote to helpfulness the sea Pag-ibig give Programme. Moreover, for this typewrite of market, finances finance is seldom an choice, it's most always Pag-ibig because of the rattling low value for as we bed Pag-ibig or HMDF is pro penurious.
7) HOUSES ARE Attendant AT THE Start BUT TOPSY TURVY IN THE Time
It's the very nature of socialized and low toll construction that at the start, it appears take and peaceful (full arm) but by see, conscionable a affair of few geezerhood, age of the residents grow indiscriminately, several one-storey units are swollen to position flooring, piece the connected person in a row relic one-storey organization. Others habitus garage and fence piece others are not. Others repaint their houses chromatic patch others chromatic or architect; and a lot of them right display their hanged clothes honourable in lie of their houses. Such a scenario which is very average present surely act the whole commodity decrease in view.
Be that as it may, I solace conceive it's well to own a socialized or low value structure far better than dealings for the pause of one's story. But let this finance be pent to real users and developers of the goods. Any investor who is not a soul but decides to buy in the comedian that transaction income can kind him own several homes, leave certainly get in to ail with the 7 problems mentioned above. But if the investor thinks he can command these 7 problems, who am I to conclusion him? I simply and fain acquire my ideas based on actual receive and noesis on echt demesne laws.
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