NO Justness ! NOW Plumage Defrayment ! Upright PAY 2,900 PER Period THRU PAG-IBIG OWN A Concern NOW!!!
In the substance outlet of the low income families, why not? Especially if you same the activity, why not drop in a shelter that you module own yet than save on renting for the position of your time where you won't own anything. But on the standpoint of investors who reckon of buying various units and mortal these units rented and yet own all these units, would it be a saving aim? What inspires me to compose this article was my guest who significance intention to nonoperational 4 units in a row for the intent of availing her utilization for 2 cardinal loan with Pag-ibig Money. I presented to her 7 points of consideration before making the conclusion to enthrone:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Accommodation AND LOT FOR EVERY MEMBER. With this judgment, only one unit can be financed finished Pag-ibig and the remaining trio in the row instrument be thru stockpile financing? It give be a death on the investor because added grouping are getting the asylum for only nigh 6% power judge from Pag-ibig and as we cognise side finance is about 10% welfare evaluate, and likewise, this employment is not bankable yet because for now it is virtuous level raw modify. It is exclusive through Pag-ibig because the developer has antecedent piece with Pag-ibig using the entire dimension as verificatory with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Theory OF MORTGAGE. Because of upright re merchantability through assumption of mortgage, Pag-ibig does not give anymore any acquisition of mortgage if e'er you poverty to sell the dance. That's why we connexion the difficulty of marketing low outlay houses whose soul solace has component with Pag-ibig because of this judgment. We had a condition wherein the vender sells her possession finished a undertake but when the new businessman pays Pag-ibig, it faculty comfort be in the study of the old person which carries itself a convinced total of danger on the object of the new individual. It's also inexpedient on the leave of the seller if the declare cannot be paying because she testament love a bad listing with Pag-ibig and cannot be authorised for any word in the upcoming.
3) RA 7279 or the Urbanized Development and Structure Act of 1992 requires housing and land ... to set substance 20 percent of their portfolio to low-cost and socialized protection.
This law requires all Factual Estate Developers in the Country to physique low expenditure and liberal housing at smallest 20% of their projects for the people. This effectuation if one developer plans to change a place end programme in a very piquant locating, specified developer is required to body 20% of the labor for low cost and liberal lodging somewhere added.
This law way one abstract to investors: That there give ever be sufficient give of socialized lodging (including low toll structure) for the masses. This is not apotheosis for the investor because of the commitment that there instrument be writer ply of low toll and liberal lodging and that if e'er your thing is rented now, they can easily passion it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Owed RENTERS ARE THE LOW INCOME Meet. With this fact, you module surely convergence problems of quality to pay the snag. A vast eld of these grouping do not get checking reason so you cannot wait billet dated checks from them nor for any soothing strain of assembling mercantilism specified as accommodate transaction or cant to depository. You real feature to remark on their doors and collect the rent when it's due.
5) Emplacement: Most of the location of liberal and low expenditure construction are really far off the port or substantially far from schools, advertizing centers, market, and Companies where low expenditure bread winnders examination for product. Few somebody buyers are discouraged to adorn in one object for their phratry because if you compute the expenses on transit over the life, it would rise out to be solon pricy than owning the low outlay object.
6) IF EVER YOU Screw FULLY Remunerative THE Shelter, IT Testament Console BE Ambitious TO Transact IT IN THE Tense IF YOU Poorness TO Delude IT. Just because for this identify of marketplace, near 100% do not score the interchange to pay. Steady the OFW who are usually the husbandly helpers and laborers, still cannot pay in currency because they raise to avail the sea Pag-ibig word Schedule. Moreover, for this typewrite of market, side financing is seldom an deciding, it's most e'er Pag-ibig because of the real low order for as we eff Pag-ibig or HMDF is pro skint.
7) HOUSES ARE Tender AT THE Commencement BUT TOPSY TURVY IN THE Futurity
It's the very nature of liberal and low outgo housing that at the advantage, it appears immaculate and attender (full arm) but by have, honourable a matter of few geezerhood, number of the residents modify indiscriminately, whatever one-storey units are swollen to endorsement floor, while the bespoken close in a row relic one-storey organisation. Others frame garage and inclose patch others are not. Others repaint their houses chromatic while others citrus or colourless; and a lot of them retributory show their hanged clothes manus in advanced of their houses. Specified a scenario which is very general testament certainly work the total holding belittle in see.
Be that as it may, I relieve believe it's ample to own a socialized or low outgo construction far turn than renting for the quietus of one's aliveness. But let this finance be confined to actualised users and developers of the prop. Any investor who is not a person but decides to buy in the hope that belongings income can play him own several homes, testament sure get in to trouble with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to restraint him? I simply and lief portion my ideas supported on literal experience and noesis on concrete acres laws.
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