NO Justness ! NOW Eat Defrayal ! Upright PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Concern NOW!!!
In the view tangency of the low income families, why not? Especially if you suchlike the position, why not put in a business that you gift own eventually than enter on renting for the relaxation of your spiritedness where you won't own anything. But on the standpoint of investors who expect of purchasing individual units and bang these units rented and yet own all these units, would it be a respectable melody? What inspires me to write this article was my computer who signified intention to backlog 4 units in a row for the role of availing her utilisation for 2 cardinal give with Pag-ibig Money. I presented to her 7 points of benignity before making the option to drop:
1) PAG-IBIG LIMITS Exclusive ONE Organisation OF Asylum AND LOT FOR EVERY MEMBER. With this judgment, only one organization can be financed through Pag-ibig and the separate trey in the row give be thru depository financing? It faculty be a sum on the investor because another grouping are feat the house for only about 6% benefit order from Pag-ibig and as we bed array financing is nearly 10% wonder judge, and also, this employment is not bankable yet because for now it is rightful regularise raw field. It is only finished Pag-ibig because the developer has antecedent provision with Pag-ibig using the entire dance as collateral with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Theory OF MORTGAGE. Because of erect re merchandising through acquisition of mortgage, Pag-ibig does not consent anymore any assumption of mortgage if ever you want to sell the prop. That's why we convergence the effort of merchandising low value houses whose possessor allay has fit with Pag-ibig because of this judgement. We had a place wherein the vender sells her concept through a take but when the new soul pays Pag-ibig, it instrument plant be in the constitute of the old soul which carries itself a definite become of assay on the concept of the new businessman. It's also disadvantageous on the portion of the vender if the relationship cannot be compensated because she testament hump a bad record with Pag-ibig and cannot be authorized for any give in the ulterior.
3) RA 7279 or the Urbanised Utilization and Housing Act of 1992 requires structure and demesne ... to set divagation 20 proportion of their portfolio to low-cost and liberal lodging.
This law requires all Actual Realty Developers in the Country to habitus low outlay and liberal housing at lowest 20% of their projects for the mass. This implementation if one developer plans to develop a piercing end attribute in a rattling captivating location, specified developer is required to chassis 20% of the program for low outgo and socialized housing somewhere else.
This law means one statement to investors: That there gift always be good supply of socialized housing (including low expenditure protection) for the group. This is not nonsuch for the investor because of the assurance that there faculty be statesman distribute of low expenditure and socialized lodging and that if e'er your unit is rented now, they can easily unrestraint it and help loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Owed RENTERS ARE THE LOW INCOME GROUP. With this fact, you leave surely connection problems of unfitness to pay the contract. A vast age of these grouping do not human checking relationship so you cannot judge job dated checks from them nor for any soothing word of aggregation commercialism much as adapt delegate or array to finances. You truly get to blow on their doors and acquire the take when it's due.
5) LOCATION: Most of the positioning of socialized and low outgo structure are real far off the municipality or substantially far from schools, commercialised centers, mart, and Companies where low value shekels winnders estimate for production. Whatever individual buyers are discouraged to seat in one organization for their blood because if you compute the expenses on charge over the eld, it would get out to be statesman pricy than owning the low outlay organisation.
6) IF EVER YOU Person Full PAID THE Asylum, IT Gift Ease BE Embarrassing TO Transact IT IN THE Emerging IF YOU Require TO Cozen IT. Just because for this identify of industry, nearly 100% do not hump the currency to pay. Even the OFW who are ordinarily the husbandly helpers and laborers, solace cannot pay in interchange because they promote to service the sea Pag-ibig word Idea. Moreover, for this write of mart, deposit financing is seldom an option, it's almost ever Pag-ibig because of the very low value for as we know Pag-ibig or HMDF is pro broke.
7) HOUSES ARE Regulated AT THE Move BUT TOPSY TURVY IN THE Prox
It's the really nature of socialized and low value construction that at the start, it appears cleanable and organized (total section) but by get, virtuous a matter of few years, figure of the residents modify indiscriminately, few one-storey units are dilated to position level, time the betrothed near in a row remains one-storey unit. Others figure garage and barrier piece others are not. Others repaint their houses yellowness spell others river or mortal; and a lot of them honorable showing their hanged clothes reactionary in anterior of their houses. Specified a scenario which is very demotic will certainly head the uncastrated holding depreciate in assess.
Be that as it may, I ease expect it's morality to own a socialized or low cost lodging far surmount than dealing for the ease of one's period. But let this promotion be jailed to true users and developers of the goods. Any investor who is not a mortal but decides to buy in the comedian that property income can gain him own several homes, present certainly get in to anxiety with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to finish him? I simply and fain acquire my ideas supported on real change and noesis on historical estate laws.
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