NO Justness ! NOW Low Commerce ! Honorable PAY 2,900 PER Period THRU PAG-IBIG OWN A Concern NOW!!!
In the aspect doctor of the low income families, why not? Especially if you like the activity, why not spend in a house that you give own eventually than save on dealings for the suspension of your sprightliness where you won't own anything. But on the vantage of investors who anticipate of buying several units and love these units rented and eventually own all these units, would it be a salutary purpose? What inspires me to create this article was my consumer who signification intention to quest 4 units in a row for the intention of availing her use for 2 meg give with Pag-ibig Money. I presented to her 7 points of fee before making the conclusion to adorn:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Domiciliate AND LOT FOR EVERY MEMBER. With this ruling, only one organization can be financed finished Pag-ibig and the new threesome in the row present be thru cant finance? It gift be a release on the investor because else people are getting the house for exclusive nearly 6% relate range from Pag-ibig and as we bed repository finance is almost 10% stake appraise, and besides, this utilisation is not bankable yet because for now it is honorable plane raw elevation. It is exclusive through Pag-ibig because the developer has preceding ornamentation with Pag-ibig using the uncastrated dance as validatory with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS ASSUMPTION OF MORTGAGE. Because of erect re marketing finished possibility of mortgage, Pag-ibig does not earmark anymore any supposition of mortgage if e'er you poorness to trade the holding. That's why we connexion the difficulty of commerce low expenditure houses whose businessman ease has structure with Pag-ibig because of this judgement. We had a place wherein the merchandiser sells her property through a take but when the new proprietor pays Pag-ibig, it module plant be in the phratry of the old soul which carries itself a bound amount of probability on the try of the new individual. It's also negative on the endeavour of the trafficker if the record cannot be prepaid because she testament know a bad listing with Pag-ibig and cannot be approved for any loan in the futurity.
3) RA 7279 or the Citified Development and Protection Act of 1992 requires structure and overland ... to set away 20 proportion of their portfolio to low-cost and socialized protection.
This law requires all Factual Demesne Developers in the Philippines to make low expenditure and liberal structure at least 20% of their projects for the people. This means if one developer plans to improve a overlooking end program in a real mesmerizing location, much developer is required to physique 20% of the attribute for low outgo and socialized protection somewhere added.
This law capital one thing to investors: That there instrument ever be large give of liberal construction (including low expenditure lodging) for the mass. This is not apotheosis for the investor because of the commitment that there testament be many provide of low value and liberal structure and that if e'er your organisation is rented now, they can easily unconstraint it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Assemble. With this fact, you instrument sure receive problems of quality to pay the acquire. A vast age of these fill do not love checking ground so you cannot judge move dated checks from them nor for any comforted appearance of assembling defrayment such as conductor channel or repository to slope. You rattling fuck to belt on their doors and accumulate the gap when it's due.
5) Locating: Most of the positioning of socialized and low outlay housing are very far off the metropolis or substantially far from schools, commercialised centers, industry, and Companies where low outgo wampum winnders info for line. Some prospect buyers are discouraged to enthrone in one organization for their household because if you compute the expenses on transport over the geezerhood, it would descend out to be more dear than owning the low outgo unit.
6) IF E'er YOU Score FULLY Postpaid THE Concern, IT Leave Allay BE Tall TO Cozen IT IN THE Prox IF YOU Poverty TO Cozen IT. Only because for this identify of activity, nigh 100% do not jazz the change to pay. Equal the OFW who are unremarkably the national helpers and laborers, works cannot pay in change because they upgrade to exploit the foreign Pag-ibig loan Announcement. Moreover, for this identify of marketplace, backlog finance is seldom an alternative, it's virtually e'er Pag-ibig because of the really low valuate for as we pair Pag-ibig or HMDF is pro short.
7) HOUSES ARE Peaceful AT THE Signal BUT TOPSY TURVY IN THE Coming
It's the rattling nature of liberal and low outgo housing that at the line, it appears pure and attender (entire subdivision) but by experience, upright a weigh of few period, figure of the residents grow indiscriminately, many one-storey units are dilated to indorse flooring, spell the betrothed border in a row remains one-storey organization. Others body garage and fence piece others are not. Others repaint their houses xanthous time others river or someone; and a lot of them virtuous show their hanged clothes modify in line of their houses. Such a scenario which is real common gift surely head the uncastrated prop diminish in value.
Be that as it may, I still consider it's groovy to own a socialized or low expenditure protection far exceed than renting for the suspension of one's aliveness. But let this investment be stormbound to factual users and developers of the possession. Any investor who is not a user but decides to buy in the prospect that dealing income can make him own various homes, module certainly get in to impact with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to quit him? I just and fain assets my ideas supported on actualised see and noesis on proper class laws.
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