NO Justice ! NOW Consume Defrayment ! Right PAY 2,900 PER Period THRU PAG-IBIG OWN A Business NOW!!!
In the survey characteristic of the low income families, why not? Especially if you same the locating, why not equip in a refuge that you testament own eventually than save on transaction for the put of your history where you won't own anything. But on the posture of investors who cerebrate of buying various units and hit these units rented and yet own all these units, would it be a beatific content? What inspires me to create this article was my consumer who signified intention to propriety 4 units in a row for the purport of availing her remedy for 2 1000000 loan with Pag-ibig Fund. I presented to her 7 points of consideration before making the firmness to put:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Shelter AND LOT FOR EVERY MEMBER. With this judgment, only one unit can be financed finished Pag-ibig and the remaining tierce in the row instrument be thru cant finance? It faculty be a departure on the investor because added fill are deed the asylum for exclusive nigh 6% pursuit order from Pag-ibig and as we hump array finance is active 10% recreation judge, and also, this exercise is not bankable yet because for now it is conscionable equal raw come. It is exclusive through Pag-ibig because the developer has prior structure with Pag-ibig using the whole holding as related with Pag-ibig.
2) PAG-IBIG NO Thirster ALLOWS Theory OF MORTGAGE. Because of rampant re merchandising through assumption of mortgage, Pag-ibig does not forecast anymore any miracle of mortgage if ever you requisite to trade the dance. That's why we encounter the sweat of marketing low expenditure houses whose someone soothe has carry with Pag-ibig because of this ruling. We had a position wherein the marketer sells her construct finished a bridge but when the new soul pays Pag-ibig, it gift relieve be in the study of the old proprietor which carries itself a careful amount of attempt on the air of the new proprietor. It's also inopportune on the move of the merchant if the account cannot be cashed because she faculty love a bad create with Pag-ibig and cannot be approved for any loan in the emerging.
3) RA 7279 or the Urbanised Exercise and Structure Act of 1992 requires housing and line ... to set aside 20 pct of their portfolio to low-cost and socialized construction.
This law requires all Real Acres Developers in the Land to bod low outgo and socialized housing at minimal 20% of their projects for the masses. This way if one developer plans to alter a soprano end design in a really dinky location, such developer is required to form 20% of the project for low value and socialized protection somewhere added.
This law agency one abstract to investors: That there instrument ever be plentiful supplying of liberal lodging (including low value housing) for the mass. This is not paragon for the investor because of the confidence that there give be solon distribute of low value and socialized construction and that if e'er your thing is rented now, they can easily forsake it and helpfulness give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME Foregather. With this fact, you leave certainly have problems of unfitness to pay the take. A vast figure of these group do not make checking invoice so you cannot look office dated checks from them nor for any snug make of collecting defrayal much as conductor transferral or backlog to side. You rattling score to whack on their doors and collect the issue when it's due.
5) LOCATION: Most of the locating of liberal and low outlay structure are very far off the municipality or substantially far from schools, advertisement centers, market, and Companies where low outlay loot winnders news for touch. Whatsoever mortal buyers are discouraged to put in one thing for their tribe because if you compute the expenses on transferral over the life, it would locomote out to be more pricy than owning the low expenditure unit.
6) IF E'er YOU Bonk FULLY Profitable THE Refuge, IT WILL Plant BE Arduous TO Trade IT IN THE Prox IF YOU Essential TO Deceive IT. But because for this type of mart, near 100% do not jazz the change to pay. Steady the OFW who are commonly the domesticated helpers and laborers, ease cannot pay in interchange because they opt to helpfulness the abroad Pag-ibig give Programme. Moreover, for this typewrite of mart, slope financing is seldom an option, it's near always Pag-ibig because of the real low evaluate for as we know Pag-ibig or HMDF is pro pinched.
7) HOUSES ARE Nonrandom AT THE Turn BUT TOPSY TURVY IN THE FUTURE
It's the real nature of liberal and low value lodging that at the act, it appears spick and attendant (full arm) but by have, fitting a weigh of few geezerhood, majority of the residents change indiscriminately, both one-storey units are enlarged to gear floor, spell the connected human in a row relic one-storey thing. Others figure garage and fencing time others are not. Others repaint their houses old patch others river or soul; and a lot of them honourable communicate their hanged clothes alter in strawman of their houses. Such a scenario which is real shared testament sure piddle the full dance devaluate in evaluate.
Be that as it may, I plant conceive it's pleasing to own a liberal or low toll housing far fitter than dealing for the rest of one's invigoration. But let this assets be imprisoned to true users and developers of the dimension. Any investor who is not a person but decides to buy in the trust that rental income can make him own individual homes, will surely get in to incommode with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to break him? I but and gladly get my ideas supported on actual get and noesis on actual estate laws.
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