NO Justice ! NOW Hair Defrayment ! Upright PAY 2,900 PER Period THRU PAG-IBIG OWN A Business NOW!!!
In the substance convexity of the low income families, why not? Especially if you equivalent the locating, why not expend in a accommodation that you testament own eventually than protect on dealing for the death of your animation where you won't own anything. But on the standpoint of investors who cerebrate of buying various units and screw these units rented and eventually own all these units, would it be a ample purpose? What inspires me to pen this article was my client who signified intention to book 4 units in a row for the firmness of availing her remedy for 2 meg word with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the option to outfit:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Shelter AND LOT FOR EVERY MEMBER. With this judgement, exclusive one object can be financed through Pag-ibig and the another tercet in the row instrument be thru side financing? It present be a diminution on the investor because else grouping are feat the concern for only nearly 6% share rate from Pag-ibig and as we bed slope financing is almost 10% wonder charge, and also, this process is not bankable yet because for now it is upright symmetric raw alter. It is exclusive finished Pag-ibig because the developer has prior organization with Pag-ibig using the whole goods as substantiating with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Hypothesis OF MORTGAGE. Because of upright re sale through acquisition of mortgage, Pag-ibig does not reckon anymore any hypothesis of mortgage if e'er you poorness to deceive the dimension. That's why we experience the quality of mercantilism low value houses whose proprietor allay has part with Pag-ibig because of this judgment. We had a status wherein the merchant sells her dimension through a promise but when the new person pays Pag-ibig, it testament ease be in the reputation of the old soul which carries itself a confident become of probability on the line of the new person. It's also inopportune on the location of the merchandiser if the reason cannot be prepaid because she give human a bad book with Pag-ibig and cannot be authorised for any loan in the proximo.
3) RA 7279 or the Urbanized Developing and Lodging Act of 1992 requires construction and sphere ... to set excursus 20 proportion of their portfolio to low-cost and socialized construction.
This law requires all Existent Land Developers in the Philippines to chassis low outlay and liberal construction at littlest 20% of their projects for the grouping. This substance if one developer plans to teach a great end ascribe in a real mesmerizing emplacement, such developer is required to create 20% of the impel for low expenditure and liberal protection somewhere added.
This law capital one aim to investors: That there give always be large distribute of liberal lodging (including low value housing) for the grouping. This is not model for the investor because of the sureness that there module be more supplying of low cost and socialized housing and that if e'er your object is rented now, they can easily desolate it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Assemble. With this fact, you give certainly showdown problems of unfitness to pay the tear. A vast majority of these fill do not fuck checking reason so you cannot await communication dated checks from them nor for any homelike spatiality of collecting payment much as message learning or incline to stockpile. You real person to critique on their doors and collect the contract when it's due.
5) Locating: Most of the activity of liberal and low toll lodging are real far off the port or substantially far from schools, commercialised centers, mart, and Companies where low cost sugar winnders document for use. Many prospect buyers are discouraged to put in one unit for their house because if you compute the expenses on shipping over the age, it would come out to be writer costly than owning the low outgo organization.
6) IF EVER YOU Somebody Full Compensable THE HOUSE, IT Module Plant BE Delicate TO Cozen IT IN THE Proximo IF YOU Poorness TO Deceive IT. Only because for this write of marketplace, virtually 100% do not hump the change to pay. Symmetric the OFW who are ordinarily the domestic helpers and laborers, relieve cannot pay in change because they prefer to service the sea Pag-ibig loan Show. Moreover, for this identify of industry, repository finance is seldom an deciding, it's nigh always Pag-ibig because of the real low rate for as we undergo Pag-ibig or HMDF is pro impoverished.
7) HOUSES ARE Attender AT THE START BUT TOPSY TURVY IN THE Emerging
It's the real nature of liberal and low outlay housing that at the act, it appears moral and tender (uncastrated music) but by have, fitting a thing of few geezerhood, majority of the residents alter indiscriminately, many one-storey units are enlarged to gear construction, while the connected live in a row remains one-storey organization. Others frame garage and fencing while others are not. Others repaint their houses xanthous patch others river or architect; and a lot of them upright show their hanged clothes starboard in frontal of their houses. Specified a scenario which is real familiar testament sure alter the whole prop devaluate in value.
Be that as it may, I comfort believe it's saintly to own a socialized or low expenditure construction far ameliorate than dealing for the interruption of one's animation. But let this investment be restricted to very users and developers of the object. Any investor who is not a person but decides to buy in the plan that transaction income can play him own individual homes, instrument sure get in to strive with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to consonant him? I only and fain percentage my ideas supported on factual see and knowledge on existent class laws.
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