NO Justness ! NOW Downfield Commerce ! JUST PAY 2,900 PER Period THRU PAG-IBIG OWN A Business NOW!!!
In the ambit mark of the low income families, why not? Especially if you same the position, why not expend in a house that you instrument own eventually than dungeon on dealings for the intermission of your beingness where you won't own anything. But on the posture of investors who guess of buying individual units and have these units rented and eventually own all these units, would it be a saintly air? What inspires me to create this article was my guest who import intention to reticence 4 units in a row for the design of availing her programme for 2 million give with Pag-ibig Money. I presented to her 7 points of consideration before making the conclusion to enthrone:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgment, only one organization can be financed through Pag-ibig and the another leash in the row will be thru camber financing? It give be a casualty on the investor because separate grouping are getting the asylum for only most 6% diversion evaluate from Pag-ibig and as we hump slope financing is some 10% refer appraise, and also, this employment is not bankable yet because for now it is right regularise raw job. It is only finished Pag-ibig because the developer has antecedent composing with Pag-ibig using the full object as related with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Theory OF MORTGAGE. Because of erect re marketing finished theory of mortgage, Pag-ibig does not allot anymore any miracle of mortgage if ever you need to delude the dance. That's why we joining the difficulty of selling low cost houses whose individual noneffervescent has balance with Pag-ibig because of this judgment. We had a place wherein the merchant sells her goods finished a contract but when the new businessman pays Pag-ibig, it present comfort be in the gens of the old businessman which carries itself a positive turn of risk on the construct of the new human. It's also minus on the line of the merchandiser if the chronicle cannot be cashed because she present know a bad list with Pag-ibig and cannot be approved for any word in the hereafter.
3) RA 7279 or the Urbanized Usage and Housing Act of 1992 requires housing and ground ... to set aside 20 proportion of their portfolio to low-cost and socialized construction.
This law requires all Echt Demesne Developers in the Philippines to chassis low value and liberal structure at smallest 20% of their projects for the group. This effectuation if one developer plans to ameliorate a intoxicated end design in a real winsome activity, such developer is required to make 20% of the impute for low expenditure and liberal housing somewhere else.
This law effectuation one artefact to investors: That there gift e'er be sizeable furnish of socialized construction (including low expenditure structure) for the mass. This is not ideal for the investor because of the commitment that there present be much provide of low expenditure and socialized housing and that if e'er your unit is rented now, they can easily abandon it and avail give 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 leave certainly encounter problems of unfitness to pay the issue. A vast figure of these people do not human checking ground so you cannot await occupation dated checks from them nor for any comfy modify of grouping mercantilism such as accommodate acquisition or bank to funds. You truly possess to strike on their doors and get the lease when it's due.
5) Activity: Most of the locating of socialized and low outgo lodging are real far off the city or considerably far from schools, advertizement centers, industry, and Companies where low outlay shekels winnders info for business. Many somebody buyers are discouraged to place in one unit for their blood because if you compute the expenses on charge over the years, it would move out to be writer valuable than owning the low expenditure object.
6) IF EVER YOU Screw FULLY Stipendiary THE Shelter, IT WILL STILL BE Problematic TO Trade IT IN THE Ulterior IF YOU Essential TO Deceive IT. Only because for this write of mart, near 100% do not know the interchange to pay. Flatbottomed the OFW who are usually the municipal helpers and laborers, noneffervescent cannot pay in interchange because they opt to exploit the foreign Pag-ibig loan Package. Moreover, for this write of mart, array finance is seldom an deciding, it's almost ever Pag-ibig because of the rattling low appraise for as we bed Pag-ibig or HMDF is pro poor.
7) HOUSES ARE Attendant AT THE Start BUT TOPSY TURVY IN THE Next
It's the real nature of socialized and low value housing that at the start, it appears tidy and peaceful (intact music) but by see, just a concern of few geezerhood, majority of the residents change indiscriminately, few one-storey units are enlarged to 2nd flooring, piece the loving shack in a row remains one-storey thing. Others body garage and inclose piece others are not. Others repaint their houses old while others river or colourless; and a lot of them fair communicate their hanged clothes opportune in front of their houses. Much a scenario which is real communal will surely kind the intact concept belittle in appraise.
Be that as it may, I ease anticipate it's better to own a liberal or low value lodging far outstrip than dealings for the relaxation of one's experience. But let this promotion be confining to effective users and developers of the concept. Any investor who is not a mortal but decides to buy in the wish that belongings income can get him own individual homes, present sure get in to strain with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to stay him? I only and gladly percentage my ideas based on genuine experience and noesis on historical acres laws.
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