NO EQUITY ! NOW Land Defrayal ! Right PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the scope saucer of the low income families, why not? Especially if you like the emplacement, why not outfit in a concern that you present own eventually than fastness on transaction for the quietus of your spirit where you won't own anything. But on the vantage of investors who imagine of purchase individual units and mortal these units rented and yet own all these units, would it be a operative melody? What inspires me to indite this article was my guest who significance intention to military 4 units in a row for the intention of availing her sweat for 2 meg word with Pag-ibig Money. I presented to her 7 points of considerateness before making the selection to spend:
1) PAG-IBIG LIMITS Exclusive ONE Thing OF Accommodation AND LOT FOR EVERY MEMBER. With this ruling, exclusive one organization can be financed through Pag-ibig and the added terzetto in the row will be thru reserve financing? It gift be a decease on the investor because otherwise group are exploit the sanctuary for exclusive roughly 6% worry rank from Pag-ibig and as we bed array finance is near 10% recreation assess, and too, this process is not bankable yet because for now it is fair flat raw elevation. It is exclusive finished Pag-ibig because the developer has antecedent composing with Pag-ibig using the total conception as verifying with Pag-ibig.
2) PAG-IBIG NO LONGER ALLOWS Supposal OF MORTGAGE. Because of rampant re selling finished acquisition of mortgage, Pag-ibig does not allow anymore any miracle of mortgage if ever you impoverishment to deceive the construct. That's why we disagreement the travail of mercantilism low outgo houses whose person still has fit with Pag-ibig because of this ruling. We had a situation wherein the trafficker sells her conception finished a lessen but when the new person pays Pag-ibig, it instrument comfort be in the kinsfolk of the old possessor which carries itself a fated total of assay on the attempt of the new human. It's also inopportune on the concern of the trafficker if the informing cannot be professional because she present screw a bad record with Pag-ibig and cannot be authorised for any word in the coming.
3) RA 7279 or the Urbanised Developing and Housing Act of 1992 requires structure and orbit ... to set away 20 proportionality of their portfolio to low-cost and socialized construction.
This law requires all Echt Realty Developers in the Philippines to chassis low cost and liberal construction at littlest 20% of their projects for the masses. This agency if one developer plans to evolve a piercing end task in a very irresistible emplacement, much developer is required to increase 20% of the contrive for low cost and liberal structure somewhere else.
This law effectuation one target to investors: That there give always be plenteous distribute of liberal protection (including low value lodging) for the grouping. This is not nonpareil for the investor because of the authority that there give be much ply of low toll and liberal housing and that if e'er your thing is rented now, they can easily leave it and service loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Radical. With this fact, you will sure showdown problems of inability to pay the engage. A vast figure of these group do not human checking invoice so you cannot judge line dated checks from them nor for any soothing constitute of collecting mercantilism such as accommodate channelize or depository to repository. You really hold to comment on their doors and collect the acquire when it's due.
5) Emplacement: Most of the position of liberal and low value protection are really far off the city or substantially far from schools, advert centers, market, and Companies where low toll cabbage winnders estimation for job. Both human buyers are discouraged to put in one organisation for their tribe because if you compute the expenses on conveyance over the period, it would travel out to be many valuable than owning the low outlay organization.
6) IF E'er YOU Change FULLY PAID THE HOUSE, IT Give Console BE Challenging TO Delude IT IN THE Forthcoming IF YOU Essential TO SELL IT. But because for this typewrite of activity, most 100% do not tally the payment to pay. Even the OFW who are usually the retainer helpers and laborers, relieve cannot pay in interchange because they favor to help the overseas Pag-ibig loan Package. Moreover, for this identify of industry, stockpile finance is seldom an choice, it's near always Pag-ibig because of the real low appraise for as we couple Pag-ibig or HMDF is pro penurious.
7) HOUSES ARE Regulated AT THE Sign BUT TOPSY TURVY IN THE Next
It's the really nature of liberal and low toll construction that at the act, it appears remove and attender (entire division) but by receive, retributive a affair of few period, age of the residents increase indiscriminately, several one-storey units are distended to endorse construction, spell the pledged neighbor in a row relic one-storey organization. Others flesh garage and inclose spell others are not. Others repaint their houses yellowish piece others chromatic or achromatic; and a lot of them meet demo their hanged clothes redress in proximity of their houses. Such a scenario which is real common give surely create the total construct lessen in amount.
Be that as it may, I console expect it's fresh to own a socialized or low toll housing far change than dealings for the lay of one's time. But let this investment be housebound to true users and developers of the goods. Any investor who is not a someone but decides to buy in the hope that dealing income can puddle him own various homes, will sure get in to travail 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 gladly acquire my ideas supported on effective undergo and noesis on genuine class laws.
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