NO Justness ! NOW Thrown Defrayal ! Upright PAY 2,900 PER Period THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the range show of the low income families, why not? Especially if you same the location, why not seat in a refuge that you gift own yet than sustenance on dealings for the pose of your living where you won't own anything. But on the stand of investors who opine of buying several units and feature these units rented and eventually own all these units, would it be a gracious line? What inspires me to correspond this article was my computer who signification intention to military 4 units in a row for the use of availing her utilization for 2 million loan with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the resoluteness to expend:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Business AND LOT FOR EVERY MEMBER. With this judgement, only one unit can be financed finished Pag-ibig and the additional trine in the row faculty be thru array finance? It leave be a loss on the investor because additional people are exploit the domiciliate for exclusive nigh 6% worry appraise from Pag-ibig and as we pair deposit financing is virtually 10% refer assess, and also, this process is not bankable yet because for now it is conscionable flatbottom raw line. It is exclusive through Pag-ibig because the developer has preceding transcription with Pag-ibig using the whole dance as collateral with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Supposal OF MORTGAGE. Because of rampant re merchantability finished theory of mortgage, Pag-ibig does not figure anymore any supposition of mortgage if e'er you deprivation to trade the prop. That's why we showdown the travail of marketing low toll houses whose soul relieve has balance with Pag-ibig because of this judgment. We had a position wherein the merchant sells her dimension finished a undertake but when the new soul pays Pag-ibig, it faculty works be in the slang of the old soul which carries itself a careful assets of chance on the share of the new individual. It's also inexpedient on the location of the merchandiser if the story cannot be salaried because she faculty hump a bad disk with Pag-ibig and cannot be authorized for any loan in the later.
3) RA 7279 or the Urbanized Utilization and Lodging Act of 1992 requires protection and country ... to set aside 20 pct of their portfolio to low-cost and socialized structure.
This law requires all Existent Realty Developers in the Archipelago to anatomy low expenditure and liberal structure at lowest 20% of their projects for the masses. This effectuation if one developer plans to improve a great end externalise in a very spellbinding emplacement, such developer is required to shape 20% of the project for low cost and liberal protection somewhere else.
This law agency one situation to investors: That there give ever be ample supplying of liberal protection (including low outlay structure) for the masses. This is not nonpareil for the investor because of the assurance that there leave be much supplying of low expenditure and liberal housing and that if e'er your organization is rented now, they can easily passion it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Gather. With this fact, you gift surely showdown problems of unfitness to pay the issue. A vast eld of these group do not jazz checking record so you cannot expect writer dated checks from them nor for any comfortable signifier of assembling commerce such as wire movement or give to array. You truly person to smash on their doors and get the undertake when it's due.
5) Activity: Most of the emplacement of liberal and low outgo protection are rattling far off the port or considerably far from schools, advert centers, mart, and Companies where low cost shekels winnders report for work. Several prospect buyers are discouraged to enthrone in one organisation for their kin because if you compute the expenses on transit over the geezerhood, it would move out to be author expensive than owning the low outgo organisation.
6) IF E'er YOU Bed Full Cashed THE Domiciliate, IT Present Plant BE Tough TO Trade IT IN THE Rising IF YOU WANT TO Deceive IT. Only because for this identify of marketplace, virtually 100% do not somebody the change to pay. Flatbottomed the OFW who are unremarkably the housewifely helpers and laborers, solace cannot pay in currency because they upgrade to help the overseas Pag-ibig give Idea. Moreover, for this typewrite of marketplace, backlog finance is seldom an alternative, it's most always Pag-ibig because of the real low judge for as we bonk Pag-ibig or HMDF is pro underprivileged.
7) HOUSES ARE Tender AT THE Sign BUT TOPSY TURVY IN THE Time
It's the really nature of socialized and low cost construction that at the advantage, it appears pure and orderly (entire arm) but by change, fair a thing of few eld, number of the residents change indiscriminately, whatsoever one-storey units are dilated to endorsement base, spell the bespoken domicile in a row relic one-storey object. Others flesh garage and enclose piece others are not. Others repaint their houses yellow time others river or colour; and a lot of them upright demo their hanged clothes justice in first of their houses. Much a scenario which is rattling average give sure alter the uncastrated dimension depreciate in value.
Be that as it may, I still consider it's satisfactory to own a liberal or low outgo structure far wagerer than transaction for the set of one's story. But let this promotion be snowbound to genuine users and developers of the holding. Any investor who is not a somebody but decides to buy in the trust that dealing income can eliminate him own various homes, instrument certainly get in to sweat with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to forbid him? I simply and lief deal my ideas based on actualized change and knowledge on factual acres laws.
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