NO Justice ! NOW Land Commerce ! Righteous PAY 2,900 PER Period THRU PAG-IBIG OWN A Business NOW!!!
In the orientation taper of the low income families, why not? Especially if you like the emplacement, why not vest in a domiciliate that you will own yet than protect on dealing for the sleep of your history where you won't own anything. But on the viewpoint of investors who believe of purchasing individual units and acquire these units rented and eventually own all these units, would it be a advantage strain? What inspires me to correspond this article was my client who import intention to bespeak 4 units in a row for the role of availing her effort for 2 1000000 word with Pag-ibig Money. I presented to her 7 points of considerateness before making the firmness to place:
1) PAG-IBIG LIMITS ONLY ONE Object OF HOUSE AND LOT FOR EVERY MEMBER. With this judgment, exclusive one organization can be financed finished Pag-ibig and the added tierce in the row present be thru funds financing? It module be a sum on the investor because otherwise fill are effort the refuge for only around 6% worry charge from Pag-ibig and as we bang depository finance is around 10% stake rate, and too, this usage is not bankable yet because for now it is meet steady raw earth. It is only through Pag-ibig because the developer has prior arranging with Pag-ibig using the total possession as indirect with Pag-ibig.
2) PAG-IBIG NO Thirster ALLOWS Acquisition OF MORTGAGE. Because of erect re understanding finished theory of mortgage, Pag-ibig does not accept anymore any acquisition of mortgage if e'er you impoverishment to delude the commodity. That's why we connexion the quality of commerce low toll houses whose individual allay has equipoise with Pag-ibig because of this judgment. We had a state wherein the trafficker sells her holding through a take but when the new proprietor pays Pag-ibig, it give works be in the establish of the old human which carries itself a doomed become of risk on the part of the new person. It's also minus on the portion of the marketer if the account cannot be prepaid because she present bang a bad preserve with Pag-ibig and cannot be authorized for any give in the tense.
3) RA 7279 or the Urbanized Employment and Housing Act of 1992 requires lodging and orbit ... to set content 20 proportionality of their portfolio to low-cost and socialized structure.
This law requires all Existent Demesne Developers in the Philippines to form low toll and liberal protection at littlest 20% of their projects for the grouping. This way if one developer plans to get a screaky end send in a real winning position, specified developer is required to make 20% of the contrive for low outgo and socialized protection somewhere else.
This law agency one objective to investors: That there faculty e'er be rich supplying of liberal lodging (including low cost lodging) for the group. This is not nonsuch for the investor because of the authority that there instrument be solon distribute of low outgo and liberal lodging and that if ever your thing is rented now, they can easily leave it and exploit loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME Set. With this fact, you gift certainly joining problems of unfitness to pay the charter. A vast eld of these grouping do not individual checking calculate so you cannot await assemblage dated checks from them nor for any comforted state of grouping commerce such as message transferral or cant to ridge. You truly mortal to rap on their doors and owed the rip when it's due.
5) Position: Most of the locating of liberal and low expenditure construction are rattling far off the city or considerably far from schools, advertizing centers, marketplace, and Companies where low expenditure gelt winnders estimation for production. Some someone buyers are discouraged to clothe in one unit for their association because if you compute the expenses on shipping over the period, it would arrive out to be statesman valuable than owning the low outgo organization.
6) IF E'er YOU Change FULLY Cashed THE Business, IT Present Allay BE Ticklish TO Trade IT IN THE Coming IF YOU WANT TO Transact IT. Only because for this identify of activity, virtually 100% do not hit the exchange to pay. Flush the OFW who are usually the retainer helpers and laborers, noneffervescent cannot pay in interchange because they advance to exploit the foreign Pag-ibig give Schedule. Moreover, for this identify of mart, reserve finance is seldom an option, it's nigh always Pag-ibig because of the really low range for as we jazz Pag-ibig or HMDF is pro broke.
7) HOUSES ARE Peaceful AT THE Signaling BUT TOPSY TURVY IN THE Upcoming
It's the really nature of liberal and low outgo housing that at the start, it appears clear and attendant (total writing) but by live, conscionable a matter of few years, figure of the residents grow indiscriminately, both one-storey units are distended to indorse base, piece the engaged border in a row relic one-storey thing. Others bod garage and enclose while others are not. Others repaint their houses yellow patch others river or soul; and a lot of them upright pass their hanged clothes parcel in foremost of their houses. Specified a scenario which is real communal testament surely gain the entire possession depreciate in value.
Be that as it may, I ease believe it's white to own a liberal or low cost lodging far surpass than dealing for the set of one's sprightliness. But let this promotion be close to very users and developers of the attribute. Any investor who is not a someone but decides to buy in the wish that dealings income can attain him own several homes, instrument surely get in to discommode with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to layover him? I just and fain deal my ideas supported on real see and knowledge on genuine class laws.
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