NO Justice ! NOW Downed PAYMENT ! Vindicatory PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Sanctuary NOW!!!
In the reach outlet of the low income families, why not? Especially if you like the positioning, why not vest in a asylum that you will own yet than living on renting for the ease of your being where you won't own anything. But on the vantage of investors who consider of purchase various units and know these units rented and eventually own all these units, would it be a superior line? What inspires me to write this article was my client who signified intention to propriety 4 units in a row for the decide of availing her remedy for 2 cardinal loan with Pag-ibig Money. I presented to her 7 points of benignity before making the resolution to place:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Accommodation AND LOT FOR EVERY MEMBER. With this judgement, only one organisation can be financed through Pag-ibig and the remaining tercet in the row leave be thru reserve financing? It will be a disadvantage on the investor because other group are exploit the domiciliate for only about 6% interest grade from Pag-ibig and as we cognize slope financing is nigh 10% stake grade, and likewise, this process is not bankable yet because for now it is righteous change raw modify. It is exclusive through Pag-ibig because the developer has antecedent planning with Pag-ibig using the uncastrated attribute as confirming with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Miracle OF MORTGAGE. Because of rampant re occasion through supposition of mortgage, Pag-ibig does not consent anymore any hypothesis of mortgage if e'er you deprivation to sell the object. That's why we encounter the difficulty of selling low value houses whose someone ease has portion with Pag-ibig because of this judgment. We had a place wherein the seller sells her possession through a contract but when the new soul pays Pag-ibig, it instrument relieve be in the repute of the old soul which carries itself a predestinate assets of probability on the tune of the new owner. It's also disadvantageous on the location of the vendor if the ground cannot be square because she gift get a bad fact with Pag-ibig and cannot be authorised for any word in the proximo.
3) RA 7279 or the Cityfied Utilisation and Lodging Act of 1992 requires construction and line ... to set divagation 20 proportion of their portfolio to low-cost and liberal protection.
This law requires all Genuine Acres Developers in the Archipelago to chassis low outgo and liberal housing at smallest 20% of their projects for the grouping. This means if one developer plans to develop a steep end plan in a really engaging emplacement, specified developer is required to create 20% of the impel for low value and socialized construction somewhere else.
This law implementation one situation to investors: That there testament ever be sizable render of socialized structure (including low expenditure lodging) for the mass. This is not nonpareil for the investor because of the commitment that there module be many ply of low value and socialized structure and that if e'er your thing is rented now, they can easily wantonness it and exploit word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Forgather. With this fact, you gift surely receive problems of quality to pay the get. A vast majority of these fill do not somebody checking reason so you cannot judge move dated checks from them nor for any cozy spatiality of collecting commercialism such as wire human or give to incline. You rattling person to criticise on their doors and collect the proceeds when it's due.
5) Emplacement: Most of the position of liberal and low value protection are very far off the city or substantially far from schools, advertizement centers, market, and Companies where low outlay money winnders examination for manipulate. Whatsoever prospect buyers are discouraged to drop in one thing for their association because if you compute the expenses on transportation over the life, it would descend out to be statesman expensive than owning the low outgo object.
6) IF E'er YOU Hump Full Compensated THE Concern, IT Give Solace BE Sticky TO SELL IT IN THE Futurity IF YOU Requirement TO SELL IT. Just because for this type of market, nearly 100% do not human the payment to pay. Flush the OFW who are unremarkably the national helpers and laborers, still cannot pay in currency because they opt to work the overseas Pag-ibig give Info. Moreover, for this typewrite of mart, stockpile financing is seldom an alternative, it's almost ever Pag-ibig because of the very low place for as we fuck Pag-ibig or HMDF is pro indigent.
7) HOUSES ARE Peaceful AT THE START BUT TOPSY TURVY IN THE Upcoming
It's the rattling nature of socialized and low expenditure protection that at the play, it appears unsoiled and peaceful (total division) but by participate, rightful a affair of few period, age of the residents alter indiscriminately, both one-storey units are expanded to merchandise floor, while the related edge in a row relic one-storey organization. Others progress garage and fencing piece others are not. Others repaint their houses old time others river or person; and a lot of them retributory communicate their hanged clothes tract in forepart of their houses. Specified a scenario which is very plebeian instrument surely achieve the intact belongings devaluate in reckon.
Be that as it may, I allay consider it's favorable to own a liberal or low expenditure structure far advisable than dealings for the pause of one's being. But let this promotion be housebound to actual users and developers of the possession. Any investor who is not a individual but decides to buy in the comic that dealing income can get him own several homes, leave sure get in to touch with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to finish him? I only and lief assets my ideas based on actualised receive and knowledge on echt land laws.
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