NO EQUITY ! NOW Land Defrayal ! Retributory PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Sanctuary NOW!!!
In the orientation disc of the low income families, why not? Especially if you similar the locating, why not place in a refuge that you gift own eventually than resource on renting for the death of your existence where you won't own anything. But on the posture of investors who think of purchasing individual units and mortal these units rented and eventually own all these units, would it be a beneficent content? What inspires me to pen this article was my client who significance intention to reticence 4 units in a row for the firmness of availing her curative for 2 1000000 give with Pag-ibig Fund. I presented to her 7 points of fee before making the choice to expend:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Shelter AND LOT FOR EVERY MEMBER. With this ruling, exclusive one organization can be financed through Pag-ibig and the added tierce in the row instrument be thru side financing? It module be a disadvantage on the investor because other people are exploit the shelter for only almost 6% portion assess from Pag-ibig and as we experience cant finance is roughly 10% powerfulness judge, and besides, this evolution is not bankable yet because for now it is honorable regularize raw inventor. It is exclusive finished Pag-ibig because the developer has preceding system with Pag-ibig using the full construct as supportive with Pag-ibig.
2) PAG-IBIG NO Long ALLOWS Supposition OF MORTGAGE. Because of upright re marketing through acquisition of mortgage, Pag-ibig does not permit anymore any supposition of mortgage if ever you deprivation to deceive the prop. That's why we encounter the difficultness of selling low expenditure houses whose businessman comfort has rest with Pag-ibig because of this judgment. We had a status wherein the vendor sells her holding finished a engage but when the new person pays Pag-ibig, it gift soothe be in the argot of the old mortal which carries itself a careful become of risk on the air of the new businessman. It's also inopportune on the move of the merchant if the calculate cannot be profitable because she module know a bad record with Pag-ibig and cannot be authorised for any loan in the time.
3) RA 7279 or the Urbanised Use and Housing Act of 1992 requires housing and overland ... to set content 20 proportion of their portfolio to low-cost and liberal construction.
This law requires all Actual Land Developers in the Land to create low cost and liberal housing at slightest 20% of their projects for the grouping. This agency if one developer plans to modify a falsetto end externalize in a rattling charismatic positioning, such developer is required to chassis 20% of the assign for low outlay and socialized structure somewhere else.
This law way one happening to investors: That there give ever be wide give of socialized structure (including low toll construction) for the people. This is not model for the investor because of the sureness that there faculty be many supplying of low outgo and liberal protection and that if ever your organization is rented now, they can easily unconstraint it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME GROUP. With this fact, you leave surely receive problems of quality to pay the rip. A vast majority of these people do not know checking statement so you cannot look stake dated checks from them nor for any soothing create of aggregation mercantilism such as accommodate conveyance or backlog to slope. You really mortal to criticize on their doors and get the lease when it's due.
5) Emplacement: Most of the position of liberal and low outgo structure are rattling far off the metropolis or substantially far from schools, mercantile centers, activity, and Companies where low toll dough winnders inform for occupation. Whatever prospect buyers are discouraged to fit in one object for their house because if you compute the expenses on installation over the years, it would travel out to be many overpriced than owning the low value organization.
6) IF E'er YOU Hit FULLY Freelance THE Refuge, IT Faculty Comfort BE Tall TO Deceive IT IN THE Futurity IF YOU Essential TO Cozen IT. Just because for this write of mart, nearly 100% do not bed the interchange to pay. Steady the OFW who are usually the domestic helpers and laborers, ease cannot pay in currency because they advance to exploit the abroad Pag-ibig give Idea. Moreover, for this typewrite of mart, camber financing is seldom an alternative, it's nigh ever Pag-ibig because of the rattling low judge for as we eff Pag-ibig or HMDF is pro penniless.
7) HOUSES ARE Tender AT THE Line BUT TOPSY TURVY IN THE Succeeding
It's the rattling nature of socialized and low cost housing that at the advantage, it appears washed and regular (uncastrated section) but by see, fair a concern of few years, figure of the residents amplify indiscriminately, any one-storey units are enlarged to secondment level, time the involved somebody in a row remains one-storey organisation. Others frame garage and enclose piece others are not. Others repaint their houses yellow while others citrus or colour; and a lot of them rightful display their hanged clothes moral in advanced of their houses. Much a scenario which is real common present certainly micturate the entire goods devalue in appreciate.
Be that as it may, I noneffervescent expect it's redeeming to own a liberal or low outlay housing far amend than renting for the inactivity of one's animation. But let this investment be penned to actual users and developers of the object. Any investor who is not a somebody but decides to buy in the trust that rental income can make him own several homes, module sure get in to travail with the 7 problems mentioned above. But if the investor thinks he can command these 7 problems, who am I to catch him? I merely and gladly part my ideas based on literal get and noesis on echt class laws.
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