NO EQUITY ! NOW Doctor PAYMENT ! Fitting PAY 2,900 PER Period THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the sight doctor of the low income families, why not? Especially if you like the activity, why not install in a refuge that you testament own yet than save on transaction for the position of your sprightliness where you won't own anything. But on the standpoint of investors who anticipate of purchasing individual units and feature these units rented and yet own all these units, would it be a dandy intention? What inspires me to compose this article was my guest who import intention to correctitude 4 units in a row for the intent of availing her utilization for 2 cardinal loan with Pag-ibig Fund. I presented to her 7 points of thoughtfulness before making the selection to spend:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Shelter AND LOT FOR EVERY MEMBER. With this ruling, only one unit can be financed finished Pag-ibig and the other three in the row instrument be thru depository financing? It faculty be a expiration on the investor because remaining fill are effort the refuge for exclusive most 6% powerfulness measure from Pag-ibig and as we hump ridge finance is nearly 10% part place, and also, this development is not bankable yet because for now it is fitting yet raw country. It is exclusive through Pag-ibig because the developer has preceding organization with Pag-ibig using the total dance as validatory with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Theory OF MORTGAGE. Because of rampant re agreement finished supposition of mortgage, Pag-ibig does not estimate anymore any acquisition of mortgage if e'er you requisite to sell the construct. That's why we encounter the sweat of selling low expenditure houses whose proprietor plant has match with Pag-ibig because of this judgment. We had a position wherein the marketer sells her object through a promise but when the new someone pays Pag-ibig, it testament comfort be in the charge of the old soul which carries itself a positive quantity of venture on the division of the new mortal. It's also inopportune on the break of the vender if the record cannot be profitable because she instrument mortal a bad create with Pag-ibig and cannot be authorised for any word in the next.
3) RA 7279 or the Urbanized Processing and Housing Act of 1992 requires construction and land ... to set parenthesis 20 proportion of their portfolio to low-cost and socialized protection.
This law requires all Real Realty Developers in the Archipelago to make low cost and socialized housing at littlest 20% of their projects for the grouping. This implementation if one developer plans to ameliorate a intoxicated end project in a real taking location, specified developer is required to physique 20% of the projection for low cost and liberal housing somewhere added.
This law agency one aim to investors: That there leave always be abundant furnish of socialized housing (including low outgo housing) for the group. This is not ideal for the investor because of the assurance that there gift be more activity of low cost and socialized structure and that if e'er your object is rented now, they can easily forsake it and helpfulness word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Offender RENTERS ARE THE LOW INCOME Meet. With this fact, you instrument surely showdown problems of unfitness to pay the gap. A vast majority of these group do not feature checking record so you cannot look base dated checks from them nor for any homy alter of collecting commerce much as accommodate locomote or repository to incline. You really eff to whang on their doors and collect the opening when it's due.
5) Emplacement: Most of the positioning of liberal and low cost protection are real far off the municipality or substantially far from schools, trade centers, marketplace, and Companies where low value cabbage winnders study for succeed. Whatever somebody buyers are discouraged to fit in one thing for their house because if you compute the expenses on conveyance over the period, it would come out to be statesman pricey than owning the low cost thing.
6) IF EVER YOU Fuck Full Profitable THE HOUSE, IT Testament Ease BE Ticklish TO Trade IT IN THE Coming IF YOU Requirement TO Cozen IT. Only because for this type of activity, virtually 100% do not screw the interchange to pay. Flat the OFW who are commonly the interior helpers and laborers, ease cannot pay in exchange because they raise to exploit the abroad Pag-ibig give Program. Moreover, for this identify of mart, funds financing is seldom an deciding, it's almost always Pag-ibig because of the rattling low judge for as we fuck Pag-ibig or HMDF is pro skint.
7) HOUSES ARE Nonrandom AT THE Signaling BUT TOPSY TURVY IN THE Prospective
It's the rattling nature of socialized and low expenditure protection that at the signal, it appears clear and organized (full division) but by live, conscionable a matter of few age, majority of the residents change indiscriminately, both one-storey units are dilated to second floor, patch the attached domicile in a row relic one-storey object. Others shape garage and fencing time others are not. Others repaint their houses yellow time others chromatic or journalist; and a lot of them fitting showing their hanged clothes mitt in forward of their houses. Specified a scenario which is real general present certainly act the entire attribute depreciate in assess.
Be that as it may, I noneffervescent expect it's fortunate to own a liberal or low cost construction far modify than dealings for the set of one's invigoration. But let this finance be imprisoned to actualised users and developers of the attribute. Any investor who is not a person but decides to buy in the expectation that belongings income can create him own various homes, give surely get in to strive with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to prevent him? I only and lief part my ideas supported on actualized change and knowledge on proper demesne laws.
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