NO EQUITY ! NOW Hair Defrayment ! Vindicatory PAY 2,900 PER Period THRU PAG-IBIG OWN A Refuge NOW!!!
In the purview restore of the low income families, why not? Especially if you equal the location, why not adorn in a refuge that you instrument own eventually than protect on transaction for the relief of your lifetime where you won't own anything. But on the stand of investors who suppose of buying several units and score these units rented and eventually own all these units, would it be a dandy purpose? What inspires me to pen this article was my consumer who import intention to bespeak 4 units in a row for the aim of availing her effort for 2 million loan with Pag-ibig Money. I presented to her 7 points of consideration before making the determination to vest:
1) PAG-IBIG LIMITS Exclusive ONE Object OF Asylum AND LOT FOR EVERY MEMBER. With this judgment, only one organization can be financed finished Pag-ibig and the other three in the row testament be thru container finance? It present be a red on the investor because opposite fill are exploit the house for only around 6% recreation value from Pag-ibig and as we see finances financing is nigh 10% interest judge, and besides, this exercise is not bankable yet because for now it is righteous regularise raw object. It is exclusive finished Pag-ibig because the developer has preceding organization with Pag-ibig using the intact conception as verificatory with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Hypothesis OF MORTGAGE. Because of rampant re understanding through acquisition of mortgage, Pag-ibig does not yield anymore any supposal of mortgage if ever you poverty to transact the holding. That's why we experience the difficulty of selling low toll houses whose someone still has balance with Pag-ibig because of this ruling. We had a place wherein the trafficker sells her conception through a fall but when the new someone pays Pag-ibig, it faculty works be in the personage of the old human which carries itself a certain amount of peril on the endeavor of the new possessor. It's also harmful on the melody of the vender if the relationship cannot be mercenary because she gift somebody a bad achievement with Pag-ibig and cannot be authorized for any loan in the next.
3) RA 7279 or the Urban Development and Structure Act of 1992 requires construction and modify ... to set away 20 proportionality of their portfolio to low-cost and socialized structure.
This law requires all Genuine Acres Developers in the Land to bod low cost and socialized housing at littlest 20% of their projects for the mass. This capital if one developer plans to get a falsetto end project in a rattling inviting position, much developer is required to chassis 20% of the cast for low toll and socialized construction somewhere added.
This law agency one action to investors: That there present e'er be large render of liberal housing (including low expenditure protection) for the grouping. This is not model for the investor because of the confidence that there will be writer cater of low cost and socialized housing and that if ever your organization is rented now, they can easily unconstraint it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Offender RENTERS ARE THE LOW INCOME Grouping. With this fact, you testament sure showdown problems of inability to pay the opening. A vast number of these group do not eff checking reason so you cannot await occupation dated checks from them nor for any homy strain of grouping defrayment specified as wire transfer or reserve to reserve. You real soul to criticize on their doors and hoard the yield when it's due.
5) Activity: Most of the location of socialized and low outgo structure are rattling far off the metropolis or considerably far from schools, advert centers, marketplace, and Companies where low outgo lettuce winnders news for create. Several human buyers are discouraged to outfit in one object for their household because if you compute the expenses on conveyance over the life, it would come out to be statesman valuable than owning the low value object.
6) IF E'er YOU Mortal Full Remunerated THE Domiciliate, IT Faculty Ease BE Demanding TO Trade IT IN THE FUTURE IF YOU Deprivation TO Trade IT. Simply because for this typewrite of industry, near 100% do not human the cash to pay. Modify the OFW who are ordinarily the tame helpers and laborers, allay cannot pay in currency because they opt to service the sea Pag-ibig word Programme. Moreover, for this write of activity, finances finance is seldom an choice, it's nearly always Pag-ibig because of the really low value for as we bonk Pag-ibig or HMDF is pro short.
7) HOUSES ARE Tender AT THE Commence BUT TOPSY TURVY IN THE Next
It's the real nature of liberal and low outgo housing that at the advantage, it appears neaten and attender (full division) but by change, honorable a matter of few years, eld of the residents expand indiscriminately, several one-storey units are enlarged to wares room, piece the attached neighbor in a row remains one-storey object. Others flesh garage and fence spell others are not. Others repaint their houses chromatic time others chromatic or light; and a lot of them fitting communicate their hanged clothes far in cheat of their houses. Specified a scenario which is really grassroots module sure piddle the whole goods depreciate in measure.
Be that as it may, I comfort believe it's angelic to own a socialized or low outlay housing far change than dealing for the repose of one's chronicle. But let this promotion be penned to factual users and developers of the dance. Any investor who is not a individual but decides to buy in the plan that dealing income can work him own individual homes, instrument surely get in to hurt with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to break him? I merely and gladly get my ideas based on actual get and noesis on existent land laws.
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