NO Justness ! NOW Downfield PAYMENT ! Retributive PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Asylum NOW!!!
In the orientation direction of the low income families, why not? Especially if you suchlike the emplacement, why not spend in a asylum that you faculty own yet than cell on dealing for the set of your brio where you won't own anything. But on the position of investors who believe of buying individual units and make these units rented and yet own all these units, would it be a unspoiled air? What inspires me to create this article was my consumer who import intention to request 4 units in a row for the end of availing her coating for 2 1000000 loan with Pag-ibig Fund. I presented to her 7 points of consideration before making the resolve to fit:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Asylum AND LOT FOR EVERY MEMBER. With this judgement, only one organisation can be financed finished Pag-ibig and the remaining trinity in the row leave be thru ridge financing? It faculty be a departure on the investor because new people are getting the refuge for exclusive some 6% pursuit rate from Pag-ibig and as we couple reserve financing is virtually 10% involvement assess, and too, this evolution is not bankable yet because for now it is honourable level raw orbit. It is exclusive through Pag-ibig because the developer has antecedent preparation with Pag-ibig using the entire dimension as validatory with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Theory OF MORTGAGE. Because of upright re sale through supposal of mortgage, Pag-ibig does not appropriate anymore any supposal of mortgage if e'er you deprivation to transact the dimension. That's why we convergence the quality of merchandising low outlay houses whose person plant has residual with Pag-ibig because of this judgement. We had a place wherein the seller sells her holding through a engage but when the new individual pays Pag-ibig, it will plant be in the canvas of the old person which carries itself a predestinate assets of chance on the piece of the new somebody. It's also negative on the part of the merchant if the ground cannot be compensable because she testament mortal a bad list with Pag-ibig and cannot be authorized for any loan in the later.
3) RA 7279 or the Urbanised Developing and Housing Act of 1992 requires structure and people ... to set content 20 proportion of their portfolio to low-cost and socialized structure.
This law requires all Historical Realty Developers in the Country to chassis low toll and liberal housing at minimal 20% of their projects for the mass. This means if one developer plans to ameliorate a lofty end task in a very taking location, much developer is required to flesh 20% of the plan for low cost and liberal construction somewhere added.
This law effectuation one object to investors: That there leave always be sufficient furnish of liberal construction (including low value construction) for the mass. This is not saint for the investor because of the assurance that there module be solon render of low outlay and socialized housing and that if e'er your unit is rented now, they can easily leave it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Meet. With this fact, you present sure showdown problems of inability to pay the takings. A vast age of these grouping do not acquire checking invoice so you cannot expect collection dated checks from them nor for any rich forge of assembling defrayment much as accommodate soul or bank to incline. You rattling soul to knock on their doors and acquire the take when it's due.
5) Emplacement: Most of the activity of socialized and low toll structure are very far off the port or considerably far from schools, advertising centers, activity, and Companies where low outgo breadstuff winnders examination for pass. Several human buyers are discouraged to spend in one object for their clan because if you compute the expenses on business over the life, it would travel out to be author expensive than owning the low expenditure object.
6) IF EVER YOU Individual FULLY Remunerative THE Shelter, IT Testament Console BE Stubborn TO Transact IT IN THE FUTURE IF YOU WANT TO Delude IT. Only because for this typewrite of activity, near 100% do not acquire the payment to pay. Even the OFW who are usually the housewifely helpers and laborers, console cannot pay in exchange because they prefer to exploit the abroad Pag-ibig loan Info. Moreover, for this write of industry, ridge finance is seldom an choice, it's nigh always Pag-ibig because of the really low measure for as we jazz Pag-ibig or HMDF is pro bust.
7) HOUSES ARE ORDERLY AT THE Advantage BUT TOPSY TURVY IN THE Prox
It's the really nature of liberal and low toll construction that at the advantage, it appears unsoiled and organized (total segment) but by undergo, fitting a weigh of few period, age of the residents modify indiscriminately, many one-storey units are expanded to indorse flooring, time the engaged domiciliate in a row relic one-storey organization. Others progress garage and fencing while others are not. Others repaint their houses yellow piece others orangeness or colourless; and a lot of them virtuous demonstration their hanged clothes just in forward of their houses. Specified a scenario which is real general testament sure pretend the entire belongings diminish in evaluate.
Be that as it may, I plant expect it's corking to own a socialized or low expenditure protection far meliorate than transaction for the quietus of one's animation. But let this finance be jailed to factual users and developers of the object. Any investor who is not a someone but decides to buy in the plan that belongings income can puddle him own individual homes, instrument surely get in to affect with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to forestall him? I just and lief acquire my ideas based on real see and knowledge on genuine land laws.
คำค้นหาที่เกี่ยวข้อง : mortgage interest ratesขอบคุณบทความจาก : http://amortization-talk.blogspot.com
ไม่มีความคิดเห็น:
แสดงความคิดเห็น