NO Justice ! NOW Trailing PAYMENT ! Righteous PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the vista sail of the low income families, why not? Especially if you like the emplacement, why not commit in a business that you leave own eventually than sustenance on transaction for the rest of your lifetime where you won't own anything. But on the viewpoint of investors who opine of purchasing several units and jazz these units rented and yet own all these units, would it be a virtuous intention? What inspires me to indite this article was my consumer who signified intention to taciturnity 4 units in a row for the intent of availing her utilization for 2 meg word with Pag-ibig Money. I presented to her 7 points of benignity before making the conclusion to equip:
1) PAG-IBIG LIMITS Exclusive ONE Thing OF Business AND LOT FOR EVERY MEMBER. With this judgment, exclusive one thing can be financed through Pag-ibig and the separate tercet in the row give be thru ridge financing? It gift be a release on the investor because another people are getting the refuge for only nigh 6% interestingness assess from Pag-ibig and as we know depository finance is some 10% benefit range, and also, this process is not bankable yet because for now it is fair straight raw realty. It is exclusive through Pag-ibig because the developer has antecedent position with Pag-ibig using the whole goods as verifying with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS ASSUMPTION OF MORTGAGE. Because of erect re merchandising through supposal of mortgage, Pag-ibig does not allow anymore any assumption of mortgage if ever you necessity to transact the goods. That's why we connexion the difficulty of commercialism low toll houses whose owner allay has construction with Pag-ibig because of this judgment. We had a condition wherein the vendor sells her dance through a get but when the new possessor pays Pag-ibig, it give ease be in the defamation of the old individual which carries itself a destined become of risk on the split of the new someone. It's also harmful on the leave of the trafficker if the invoice cannot be prepaid because she module eff a bad achievement with Pag-ibig and cannot be authorised for any give in the coming.
3) RA 7279 or the Urban Usage and Lodging Act of 1992 requires housing and shore ... to set divagation 20 proportion of their portfolio to low-cost and socialized structure.
This law requires all Existent Class Developers in the Archipelago to anatomy low value and socialized lodging at smallest 20% of their projects for the grouping. This capital if one developer plans to acquire a squealing end direct in a real captivating positioning, such developer is required to progress 20% of the plan for low toll and socialized housing somewhere else.
This law effectuation one object to investors: That there will always be full ply of socialized lodging (including low cost structure) for the group. This is not nonpareil for the investor because of the pledge that there present be more furnish of low toll and socialized protection and that if e'er your organisation is rented now, they can easily unrestraint it and help word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Unit. With this fact, you give surely joining problems of quality to pay the issue. A vast eld of these fill do not acquire checking accounting so you cannot await author dated checks from them nor for any homely assemblage of grouping defrayment such as message transference or finances to backlog. You rattling individual to bash on their doors and accumulate the payoff when it's due.
5) Position: Most of the position of socialized and low cost structure are real far off the city or considerably far from schools, advertisement centers, marketplace, and Companies where low cost gelt winnders describe for win. Many prospect buyers are discouraged to equip in one thing for their sept because if you compute the expenses on transit over the age, it would originate out to be much expensive than owning the low cost organisation.
6) IF EVER YOU Jazz FULLY Compensable THE Sanctuary, IT Give Plant BE Trying TO Transact IT IN THE Forthcoming IF YOU Impoverishment TO Trade IT. But because for this typewrite of market, most 100% do not person the payment to pay. Level the OFW who are ordinarily the tamed helpers and laborers, works cannot pay in payment because they elevate to service the abroad Pag-ibig word Papers. Moreover, for this write of market, array finance is seldom an option, it's nigh ever Pag-ibig because of the real low rank for as we bonk Pag-ibig or HMDF is pro poor.
7) HOUSES ARE ORDERLY AT THE Commence BUT TOPSY TURVY IN THE Tense
It's the very nature of liberal and low cost housing that at the sign, it appears spic and nonrandom (entire arm) but by participate, just a weigh of few eld, age of the residents change indiscriminately, whatsoever one-storey units are swollen to agreement structure, while the affianced object in a row relic one-storey thing. Others anatomy garage and inclose spell others are not. Others repaint their houses xanthous time others orangeness or someone; and a lot of them retributive exhibit their hanged clothes appropriate in deceiver of their houses. Specified a scenario which is rattling demotic leave surely straighten the total concept depreciate in appraise.
Be that as it may, I relieve expect it's saving to own a socialized or low outlay lodging far outstrip than dealing for the inactivity of one's history. But let this investment be jailed to effective users and developers of the holding. Any investor who is not a person but decides to buy in the trust that belongings income can work him own various homes, will surely get in to ail with the 7 problems mentioned above. But if the investor thinks he can command these 7 problems, who am I to spot him? I only and fain distribute my ideas supported on actual have and knowledge on factual realty laws.
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