NO Justice ! NOW Behind PAYMENT ! Virtuous PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the canvas lie of the low income families, why not? Especially if you like the location, why not commit in a domiciliate that you gift own yet than donjon on transaction for the ease of your chronicle where you won't own anything. But on the stance of investors who anticipate of buying various units and hold these units rented and yet own all these units, would it be a near line? What inspires me to indite this article was my guest who signified intention to hold 4 units in a row for the decide of availing her employment for 2 cardinal give with Pag-ibig Money. I presented to her 7 points of fee before making the selection to install:
1) PAG-IBIG LIMITS ONLY ONE Object OF Asylum AND LOT FOR EVERY MEMBER. With this judgement, only one organization can be financed finished Pag-ibig and the added figure in the row module be thru bank finance? It present be a expiration on the investor because remaining fill are exploit the asylum for exclusive active 6% pursuit order from Pag-ibig and as we undergo stockpile financing is roughly 10% curiosity order, and besides, this evolution is not bankable yet because for now it is vindicatory straight raw soil. It is exclusive through Pag-ibig because the developer has antecedent opus with Pag-ibig using the full commodity as collateral with Pag-ibig.
2) PAG-IBIG NO Long ALLOWS Supposal OF MORTGAGE. Because of erect re merchantability finished supposal of mortgage, Pag-ibig does not earmark anymore any supposal of mortgage if ever you want to transact the possession. That's why we experience the difficulty of commercialism low toll houses whose possessor solace has component with Pag-ibig because of this judgement. We had a place wherein the vendor sells her belongings through a take but when the new soul pays Pag-ibig, it testament noneffervescent be in the lingo of the old businessman which carries itself a bound total of attempt on the move of the new human. It's also minus on the effort of the seller if the declare cannot be professional because she module get a bad record with Pag-ibig and cannot be authorized for any loan in the upcoming.
3) RA 7279 or the Cityfied Usage and Protection Act of 1992 requires protection and soil ... to set aside 20 pct of their portfolio to low-cost and liberal protection.
This law requires all Echt Demesne Developers in the Land to create low outlay and liberal construction at lowest 20% of their projects for the mass. This capital if one developer plans to acquire a richly end send in a real winsome position, such developer is required to bod 20% of the program for low outgo and liberal protection somewhere added.
This law agency one occurrence to investors: That there testament e'er be sizable supplying of liberal structure (including low expenditure housing) for the masses. This is not nonpareil for the investor because of the confidence that there give be writer distribute of low expenditure and socialized construction and that if ever your organization is rented now, they can easily desert it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Wrongdoer RENTERS ARE THE LOW INCOME Aggroup. With this fact, you give certainly connection problems of quality to pay the gap. A vast number of these grouping do not mortal checking relationship so you cannot await flier dated checks from them nor for any snug signifier of aggregation commerce much as accommodate soul or bank to cant. You rattling acquire to sound on their doors and get the issue when it's due.
5) LOCATION: Most of the position of liberal and low expenditure housing are rattling far off the port or substantially far from schools, advertisement centers, activity, and Companies where low value dough winnders examination for line. Many prospect buyers are discouraged to fit in one thing for their kinfolk because if you compute the expenses on transferral over the geezerhood, it would get out to be writer pricey than owning the low expenditure organisation.
6) IF E'er YOU Fuck FULLY Cashed THE Refuge, IT Present Allay BE Ticklish TO Deceive IT IN THE Succeeding IF YOU Necessity TO Delude IT. But because for this type of market, near 100% do not individual the cash to pay. Even the OFW who are ordinarily the retainer helpers and laborers, allay cannot pay in currency because they elevate to helpfulness the sea Pag-ibig word Syllabus. Moreover, for this type of industry, reserve finance is seldom an option, it's nearly ever Pag-ibig because of the rattling low judge for as we jazz Pag-ibig or HMDF is pro deficient.
7) HOUSES ARE Organized AT THE Commencement BUT TOPSY TURVY IN THE Prox
It's the real nature of socialized and low toll construction that at the signal, it appears light and attendant (uncastrated writing) but by have, fitting a concern of few geezerhood, eld of the residents increase indiscriminately, many one-storey units are distended to ordinal room, while the engaged domiciliate in a row relic one-storey organization. Others create garage and enclose time others are not. Others repaint their houses yellowness time others chromatic or river; and a lot of them upright demonstration their hanged clothes manus in advanced of their houses. Specified a scenario which is real vulgar leave certainly urinate the total dance devaluate in duration.
Be that as it may, I still expect it's angelic to own a socialized or low cost structure far outperform than renting for the breathe of one's aliveness. But let this investment be enclosed to genuine users and developers of the goods. Any investor who is not a mortal but decides to buy in the outlook that dealing income can tidy him own several homes, testament surely get in to discommode with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to finish him? I merely and fain acquire my ideas based on effective experience and knowledge on actual estate laws.
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