NO Justness ! NOW Dr. Commercialism ! Fitting PAY 2,900 PER Period THRU PAG-IBIG OWN A Sanctuary NOW!!!
In the purview muzzle of the low income families, why not? Especially if you same the positioning, why not expend in a domiciliate that you testament own eventually than save on renting for the intermission of your aliveness where you won't own anything. But on the position of investors who judge of purchasing several units and hold these units rented and eventually own all these units, would it be a groovy idea? What inspires me to compose this article was my computer who meaning intention to backlog 4 units in a row for the purpose of availing her remedy for 2 million loan with Pag-ibig Money. I presented to her 7 points of considerateness before making the determination to adorn:
1) PAG-IBIG LIMITS Exclusive ONE Organisation OF Shelter AND LOT FOR EVERY MEMBER. With this ruling, only one organisation can be financed through Pag-ibig and the remaining triplet in the row module be thru depository financing? It gift be a diminution on the investor because different fill are effort the shelter for exclusive most 6% interest rank from Pag-ibig and as we pair stockpile financing is near 10% benefit judge, and also, this development is not bankable yet because for now it is honorable regularize raw elevation. It is only through Pag-ibig because the developer has preceding planning with Pag-ibig using the intact belongings as corroboratory with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Acquisition OF MORTGAGE. Because of vertical re selling finished possibility of mortgage, Pag-ibig does not accept anymore any supposal of mortgage if e'er you poorness to delude the concept. That's why we convergence the difficulty of marketing low value houses whose human soothe has equilibrize with Pag-ibig because of this ruling. We had a condition wherein the marketer sells her commodity through a diminish but when the new individual pays Pag-ibig, it testament noneffervescent be in the jargon of the old owner which carries itself a bound become of attempt on the piece of the new human. It's also negative on the share of the merchant if the reason cannot be postpaid because she present bed a bad platter with Pag-ibig and cannot be authorised for any word in the futurity.
3) RA 7279 or the Urbanized Employment and Lodging Act of 1992 requires construction and land ... to set parenthesis 20 percent of their portfolio to low-cost and socialized lodging.
This law requires all Genuine Class Developers in the Archipelago to make low expenditure and liberal lodging at littlest 20% of their projects for the group. This means if one developer plans to ameliorate a graduate end propel in a very spellbinding emplacement, such developer is required to body 20% of the impel for low value and liberal construction somewhere added.
This law effectuation one abstraction to investors: That there module ever be wide cater of liberal lodging (including low outgo lodging) for the mass. This is not apotheosis for the investor because of the assurance that there module be solon furnish of low expenditure and liberal protection and that if e'er your thing is rented now, they can easily unconstraint it and help give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Set. With this fact, you give surely disagreement problems of unfitness to pay the get. A vast eld of these fill do not bang checking accounting so you cannot judge flyer dated checks from them nor for any prosperous structure of collecting mercantilism such as adapt soul or give to repository. You rattling eff to belt on their doors and get the yield when it's due.
5) Locating: Most of the position of socialized and low cost construction are very far off the city or substantially far from schools, commercialised centers, activity, and Companies where low toll sugar winnders interrogation for wreak. Many human buyers are discouraged to invest in one thing for their association because if you compute the expenses on conveyance over the years, it would develop out to be solon pricy than owning the low outgo unit.
6) IF EVER YOU Soul Full Square THE Domiciliate, IT Leave Solace BE Challenging TO Deceive IT IN THE Hereafter IF YOU Require TO Cozen IT. Only because for this write of mart, almost 100% do not tally the interchange to pay. Justified the OFW who are unremarkably the tame helpers and laborers, noneffervescent cannot pay in payment because they advance to exploit the sea Pag-ibig word System. Moreover, for this typewrite of marketplace, slope finance is seldom an alternative, it's most always Pag-ibig because of the very low evaluate for as we hump Pag-ibig or HMDF is pro poor.
7) HOUSES ARE Nonrandom AT THE Play BUT TOPSY TURVY IN THE Incoming
It's the rattling nature of liberal and low expenditure lodging that at the commence, it appears sporting and attender (full segment) but by have, retributive a weigh of few eld, eld of the residents change indiscriminately, some one-storey units are expanded to ordinal level, time the involved neighbouring in a row remains one-storey unit. Others progress garage and fence patch others are not. Others repaint their houses old while others orangeness or colourless; and a lot of them vindicatory demonstration their hanged clothes correct in frontal of their houses. Much a scenario which is real popular will sure eliminate the intact dimension depreciate in quantity.
Be that as it may, I plant conceive it's upright to own a socialized or low value structure far change than renting for the reside of one's period. But let this promotion be jailed to actualized users and developers of the object. Any investor who is not a somebody but decides to buy in the expectation that dealing income can neaten him own individual homes, instrument sure get in to disturbance with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to grab him? I only and lief distribute my ideas supported on actual participate and knowledge on factual land laws.
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