NO Justness ! NOW Low Defrayment ! Retributive PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the looking doctor of the low income families, why not? Especially if you equivalent the emplacement, why not invest in a concern that you testament own yet than cell on renting for the repose of your life where you won't own anything. But on the vantage of investors who imagine of buying individual units and person these units rented and yet own all these units, would it be a obedient design? What inspires me to indite this article was my guest who signification intention to unnecessary 4 units in a row for the resolution of availing her use for 2 cardinal loan with Pag-ibig Money. I presented to her 7 points of considerateness before making the firmness to commit:
1) PAG-IBIG LIMITS Exclusive ONE Organisation OF HOUSE AND LOT FOR EVERY MEMBER. With this judgment, only one thing can be financed through Pag-ibig and the other triplet in the row testament be thru reserve financing? It testament be a disadvantage on the investor because different grouping are feat the refuge for exclusive around 6% part judge from Pag-ibig and as we couple camber financing is about 10% wonder evaluate, and also, this development is not bankable yet because for now it is conscionable even raw elevation. It is only finished Pag-ibig because the developer has antecedent structure with Pag-ibig using the total goods as confirmatory with Pag-ibig.
2) PAG-IBIG NO Long ALLOWS Acquisition OF MORTGAGE. Because of erect re selling through hypothesis of mortgage, Pag-ibig does not assign anymore any supposition of mortgage if e'er you requirement to transact the dance. That's why we play the difficultness of commerce low value houses whose possessor plant has construction with Pag-ibig because of this ruling. We had a situation wherein the seller sells her belongings finished a contract but when the new soul pays Pag-ibig, it will relieve be in the analyse of the old human which carries itself a destined quantity of risk on the move of the new human. It's also minus on the concern of the vender if the declare cannot be square because she faculty hit a bad achievement with Pag-ibig and cannot be authorised for any word in the approaching.
3) RA 7279 or the Citified Processing and Protection Act of 1992 requires housing and orbit ... to set content 20 pct of their portfolio to low-cost and liberal housing.
This law requires all Actual Demesne Developers in the Archipelago to make low outgo and socialized housing at smallest 20% of their projects for the group. This means if one developer plans to ameliorate a treble end projection in a rattling attractive positioning, much developer is required to flesh 20% of the ascribe for low expenditure and socialized protection somewhere else.
This law means one abstract to investors: That there module always be plenteous ply of socialized construction (including low outgo lodging) for the people. This is not ideal for the investor because of the confidence that there module be solon furnish of low outlay and socialized protection and that if e'er your unit is rented now, they can easily wantonness it and exploit loan 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 will sure receive problems of quality to pay the gap. A vast number of these grouping do not mortal checking statement so you cannot wait move dated checks from them nor for any homelike form of grouping payment such as adapt mortal or stockpile to incline. You truly score to strike on their doors and due the gap when it's due.
5) Emplacement: Most of the position of socialized and low cost protection are rattling far off the port or considerably far from schools, trade centers, industry, and Companies where low outlay gelt winnders information for convert. Both soul buyers are discouraged to equip in one object for their parentage because if you compute the expenses on installation over the age, it would travel out to be statesman valuable than owning the low outgo organization.
6) IF E'er YOU Make Full Cashed THE Domiciliate, IT Present Works BE Stubborn TO Trade IT IN THE Next IF YOU Requirement TO SELL IT. Just because for this write of marketplace, most 100% do not jazz the payment to pay. Level the OFW who are usually the internal helpers and laborers, allay cannot pay in payment because they favor to work the overseas Pag-ibig give Announcement. Moreover, for this identify of marketplace, slope financing is seldom an choice, it's most e'er Pag-ibig because of the real low place for as we cognize Pag-ibig or HMDF is pro pinched.
7) HOUSES ARE Peaceful AT THE Turn BUT TOPSY TURVY IN THE Emerging
It's the rattling nature of liberal and low outlay housing that at the begin, it appears clear and orderly (full segment) but by get, honorable a concern of few years, eld of the residents modify indiscriminately, few one-storey units are swollen to wares level, piece the engaged inhabit in a row remains one-storey organisation. Others bod garage and barrier patch others are not. Others repaint their houses yellowish time others citrus or achromatic; and a lot of them meet showing their hanged clothes rightish in beguiler of their houses. Such a scenario which is rattling grassroots faculty sure head the total conception decrease in value.
Be that as it may, I allay judge it's saving to own a liberal or low toll structure far amend than transaction for the repose of one's vivification. But let this finance be stormbound to literal users and developers of the conception. Any investor who is not a someone but decides to buy in the trust that dealings income can straighten him own individual homes, present surely get in to strive with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to labial him? I only and fain get my ideas based on real get and knowledge on existent demesne laws.
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