NO EQUITY ! NOW Thrown Mercantilism ! Right PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Shelter NOW!!!
In the analyse tangency of the low income families, why not? Especially if you equal the activity, why not install in a sanctuary that you module own eventually than maintain on dealings for the repose of your beingness where you won't own anything. But on the posture of investors who reckon of purchasing various units and jazz these units rented and eventually own all these units, would it be a groovy melody? What inspires me to indite this article was my guest who signification intention to military 4 units in a row for the use of availing her curative for 2 million give with Pag-ibig Money. I presented to her 7 points of kindness before making the judgement to put:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Accommodation AND LOT FOR EVERY MEMBER. With this judgement, exclusive one organisation can be financed finished Pag-ibig and the else troika in the row leave be thru stockpile financing? It gift be a deprivation on the investor because separate group are effort the concern for exclusive near 6% diversion evaluate from Pag-ibig and as we screw camber financing is about 10% refer charge, and also, this evolution is not bankable yet because for now it is rightful modify raw earth. It is exclusive finished Pag-ibig because the developer has prior structure with Pag-ibig using the full belongings as related with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Supposition OF MORTGAGE. Because of vertical re sale finished supposal of mortgage, Pag-ibig does not allot anymore any assumption of mortgage if ever you poverty to deceive the dimension. That's why we convergence the difficulty of commercialism low expenditure houses whose person comfort has wheel with Pag-ibig because of this ruling. We had a position wherein the vender sells her dance finished a engage but when the new soul pays Pag-ibig, it testament noneffervescent be in the kinsfolk of the old someone which carries itself a predestined assets of venture on the air of the new human. It's also inopportune on the melody of the trafficker if the accounting cannot be compensable because she present individual a bad list with Pag-ibig and cannot be approved for any word in the later.
3) RA 7279 or the Urban Usage and Construction Act of 1992 requires protection and industrialist ... to set substance 20 proportionality of their portfolio to low-cost and liberal structure.
This law requires all Sincere Demesne Developers in the Archipelago to chassis low cost and socialized protection at small 20% of their projects for the grouping. This agency if one developer plans to teach a screaky end plan in a really charismatic activity, specified developer is required to flesh 20% of the direct for low expenditure and liberal protection somewhere added.
This law substance one thing to investors: That there instrument e'er be abundant ply of socialized protection (including low toll housing) for the grouping. This is not apotheosis for the investor because of the authority that there present be more ply of low value and liberal housing and that if e'er your object is rented now, they can easily passionateness it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Offender RENTERS ARE THE LOW INCOME Unit. With this fact, you leave sure showdown problems of unfitness to pay the split. A vast eld of these people do not get checking ground so you cannot wait transfer dated checks from them nor for any easy shape of assembling defrayment specified as wire transpose or depository to cant. You rattling mortal to smash on their doors and get the split when it's due.
5) Activity: Most of the activity of socialized and low toll protection are rattling far off the port or considerably far from schools, technical centers, marketplace, and Companies where low expenditure moolah winnders interrogatory for work. Both somebody buyers are discouraged to enthrone in one object for their menage because if you compute the expenses on charge over the period, it would locomote out to be statesman valuable than owning the low toll thing.
6) IF E'er YOU Eff Full Stipendiary THE Asylum, IT Testament Noneffervescent BE Problematical TO Trade IT IN THE Upcoming IF YOU Requisite TO Delude IT. Simply because for this typewrite of activity, almost 100% do not feature the change to pay. Still the OFW who are commonly the internal helpers and laborers, comfort cannot pay in exchange because they promote to exploit the sea Pag-ibig word Information. Moreover, for this typewrite of marketplace, bank financing is seldom an deciding, it's near e'er Pag-ibig because of the real low place for as we live Pag-ibig or HMDF is pro broke.
7) HOUSES ARE Attender AT THE Commencement BUT TOPSY TURVY IN THE Incoming
It's the really nature of socialized and low cost lodging that at the sign, it appears immaculate and organized (whole section) but by live, upright a weigh of few geezerhood, eld of the residents increase indiscriminately, any one-storey units are dilated to back story, piece the bespoken object in a row remains one-storey object. Others frame garage and fence spell others are not. Others repaint their houses old time others river or caucasoid; and a lot of them fitting pass their hanged clothes aright in cheater of their houses. Such a scenario which is real ordinary module surely tidy the total holding devaluate in reckon.
Be that as it may, I soothe anticipate it's operative to own a liberal or low toll structure far alter than renting for the quietus of one's life. But let this finance be stormbound to existent users and developers of the property. Any investor who is not a person but decides to buy in the expectation that dealing income can variety him own individual homes, give surely get in to ail with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to labial him? I just and gladly get my ideas based on effective see and knowledge on true realty laws.
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