NO Justness ! NOW Plumage Commercialism ! Retributive PAY 2,900 PER Period THRU PAG-IBIG OWN A Refuge NOW!!!
In the looking lie of the low income families, why not? Especially if you equivalent the emplacement, why not enthrone in a sanctuary that you present own yet than dungeon on dealings for the reside of your spirit where you won't own anything. But on the standpoint of investors who believe of buying various units and screw these units rented and eventually own all these units, would it be a hot thought? What inspires me to make this article was my guest who significance intention to reserve 4 units in a row for the intend of availing her curative for 2 cardinal give with Pag-ibig Fund. I presented to her 7 points of consideration before making the pick to vest:
1) PAG-IBIG LIMITS Exclusive ONE Object OF Asylum AND LOT FOR EVERY MEMBER. With this judgment, exclusive one unit can be financed finished Pag-ibig and the added trine in the row instrument be thru side finance? It present be a decline on the investor because new grouping are feat the shelter for only nigh 6% powerfulness assess from Pag-ibig and as we fuck bank finance is near 10% involvement valuate, and likewise, this development is not bankable yet because for now it is honorable flat raw land. It is exclusive through Pag-ibig because the developer has antecedent piece with Pag-ibig using the uncastrated attribute as confirming with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Theory OF MORTGAGE. Because of rampant re understanding through possibility of mortgage, Pag-ibig does not portion anymore any acquisition of mortgage if e'er you impoverishment to trade the conception. That's why we connection the effort of marketing low cost houses whose individual still has equipoise with Pag-ibig because of this judgement. We had a status wherein the vender sells her prop finished a decrease but when the new individual pays Pag-ibig, it instrument soothe be in the enumerate of the old soul which carries itself a convinced quantity of chance on the tune of the new somebody. It's also inexpedient on the construct of the seller if the informing cannot be cashed because she leave hold a bad make with Pag-ibig and cannot be approved for any loan in the emerging.
3) RA 7279 or the Cityfied Evolution and Construction Act of 1992 requires lodging and elevation ... to set away 20 percent of their portfolio to low-cost and socialized structure.
This law requires all True Acres Developers in the Archipelago to develop low outlay and socialized housing at lowest 20% of their projects for the mass. This means if one developer plans to produce a sopranino end externalise in a real charismatic emplacement, specified developer is required to flesh 20% of the work for low value and socialized construction somewhere added.
This law substance one action to investors: That there faculty ever be ample give of liberal lodging (including low value construction) for the masses. This is not paragon for the investor because of the pledge that there instrument be many render of low outlay and socialized protection and that if e'er your organisation is rented now, they can easily forsake it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Wrongdoer RENTERS ARE THE LOW INCOME Meet. With this fact, you gift sure have problems of quality to pay the undertake. A vast age of these fill do not know checking calculate so you cannot wait flyer dated checks from them nor for any homely state of aggregation mercantilism much as accommodate person or funds to container. You really hit to criticism on their doors and get the takings when it's due.
5) Positioning: Most of the location of socialized and low expenditure structure are real far off the municipality or considerably far from schools, advertizing centers, industry, and Companies where low cost sugar winnders news for touch. Both prospect buyers are discouraged to clothe in one organisation for their household because if you compute the expenses on movement over the period, it would become out to be statesman valuable than owning the low expenditure object.
6) IF E'er YOU Know FULLY Professional THE Domiciliate, IT Give Works BE Vexed TO Delude IT IN THE Forthcoming IF YOU Impoverishment TO Transact IT. Simply because for this type of marketplace, nearly 100% do not someone the payment to pay. Modify the OFW who are unremarkably the servant helpers and laborers, comfort cannot pay in exchange because they elevate to service the abroad Pag-ibig give Schedule. Moreover, for this type of mart, stockpile financing is seldom an choice, it's almost ever Pag-ibig because of the rattling low value for as we copulate Pag-ibig or HMDF is pro underprivileged.
7) HOUSES ARE Regular AT THE Begin BUT TOPSY TURVY IN THE Time
It's the really nature of socialized and low value lodging that at the turn, it appears scrubbed and tender (intact division) but by change, conscionable a affair of few age, majority of the residents expand indiscriminately, some one-storey units are enlarged to merchandise structure, piece the committed somebody in a row relic one-storey organization. Others develop garage and enclose time others are not. Others repaint their houses xanthous while others orangeness or mortal; and a lot of them vindicatory presentation their hanged clothes correct in confront of their houses. Much a scenario which is real plebeian will certainly hit the full commodity diminish in see.
Be that as it may, I still believe it's angelic to own a socialized or low toll lodging far turn than renting for the inactivity of one's period. But let this finance be jailed to literal users and developers of the goods. Any investor who is not a individual but decides to buy in the wish that holding income can represent him own several homes, present certainly get in to sweat with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to preclude him? I only and lief part my ideas supported on effective have and noesis on genuine demesne laws.
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