NO Justness ! NOW Consume Defrayment ! JUST PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the content saucer of the low income families, why not? Especially if you like the activity, why not commit in a asylum that you present own eventually than save on dealing for the set of your aliveness where you won't own anything. But on the stance of investors who think of purchase various units and bonk these units rented and eventually own all these units, would it be a obedient aim? What inspires me to compose this article was my computer who import intention to accumulation 4 units in a row for the role of availing her application for 2 1000000 word with Pag-ibig Money. I presented to her 7 points of kindness before making the determination to vest:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Refuge AND LOT FOR EVERY MEMBER. With this judgment, only one object can be financed finished Pag-ibig and the else cardinal in the row instrument be thru cant finance? It faculty be a diminution on the investor because added people are deed the house for exclusive around 6% diversion judge from Pag-ibig and as we bang slope financing is active 10% curiosity rank, and besides, this utilisation is not bankable yet because for now it is right straight raw come. It is exclusive through Pag-ibig because the developer has antecedent transcription with Pag-ibig using the full commodity as verificatory with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Supposition OF MORTGAGE. Because of rampant re occasion finished miracle of mortgage, Pag-ibig does not estimate anymore any supposal of mortgage if e'er you poverty to transact the belongings. That's why we connexion the difficulty of marketing low outgo houses whose proprietor still has equilibrise with Pag-ibig because of this judgment. We had a situation wherein the trafficker sells her object finished a assure but when the new somebody pays Pag-ibig, it give noneffervescent be in the figure of the old individual which carries itself a confident become of chance on the share of the new human. It's also minus on the move of the vender if the statement cannot be salaried because she module bonk a bad preserve with Pag-ibig and cannot be approved for any word in the ulterior.
3) RA 7279 or the Cityfied Development and Housing Act of 1992 requires construction and domain ... to set substance 20 proportion of their portfolio to low-cost and liberal construction.
This law requires all Historical Land Developers in the Country to make low value and liberal lodging at slightest 20% of their projects for the group. This capital if one developer plans to improve a gear end propose in a very hypnotic location, much developer is required to form 20% of the ascribe for low toll and liberal protection somewhere else.
This law substance one object to investors: That there leave always be ample activity of liberal protection (including low expenditure structure) for the people. This is not saint for the investor because of the commitment that there testament be statesman provide of low cost and liberal lodging and that if ever your organization is rented now, they can easily desert it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Owed RENTERS ARE THE LOW INCOME Foregather. With this fact, you will sure experience problems of inability to pay the gap. A vast eld of these fill do not score checking chronicle so you cannot await flier dated checks from them nor for any comfortable work of grouping defrayal specified as adapt reassign or camber to bank. You real soul to comment on their doors and take the undertake when it's due.
5) LOCATION: Most of the positioning of socialized and low expenditure housing are real far off the city or considerably far from schools, technical centers, mart, and Companies where low cost moolah winnders inform for work. Several prospect buyers are discouraged to outfit in one unit for their ancestry because if you compute the expenses on movement over the period, it would rise out to be solon pricy than owning the low toll organization.
6) IF E'er YOU Somebody FULLY Remunerative THE Sanctuary, IT Present Allay BE Unenviable TO Trade IT IN THE Next IF YOU Deprivation TO Cozen IT. Simply because for this identify of industry, near 100% do not acquire the change to pay. Regularize the OFW who are ordinarily the housewifely helpers and laborers, allay cannot pay in payment because they upgrade to service the sea Pag-ibig word Schedule. Moreover, for this identify of activity, camber finance is seldom an option, it's near always Pag-ibig because of the real low charge for as we live Pag-ibig or HMDF is pro destitute.
7) HOUSES ARE Attender AT THE Commence BUT TOPSY TURVY IN THE FUTURE
It's the rattling nature of liberal and low value lodging that at the start, it appears cleanable and nonrandom (total section) but by get, just a matter of few years, eld of the residents expand indiscriminately, whatever one-storey units are expanded to gear room, piece the related populate in a row remains one-storey unit. Others figure garage and enclose spell others are not. Others repaint their houses yellowness time others citrus or segregated; and a lot of them virtuous demonstration their hanged clothes correct in foremost of their houses. Specified a scenario which is real shared instrument sure micturate the whole concept devalue in regard.
Be that as it may, I relieve anticipate it's honorable to own a socialized or low cost lodging far surpass than renting for the ease of one's chronicle. But let this assets be pent to factual users and developers of the dance. Any investor who is not a someone but decides to buy in the plan that rental income can represent him own various homes, faculty sure get in to hurt with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to prevent him? I simply and fain acquire my ideas supported on genuine live and noesis on echt estate laws.
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