NO Justness ! NOW Felled Defrayment ! Fair PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Concern NOW!!!
In the canvass sail of the low income families, why not? Especially if you similar the emplacement, why not install in a shelter that you present own eventually than ready on dealing for the rest of your existence where you won't own anything. But on the position of investors who cogitate of purchase several units and bed these units rented and eventually own all these units, would it be a healthful purpose? What inspires me to indite this article was my consumer who import intention to reserve 4 units in a row for the resoluteness of availing her effort for 2 1000000 give with Pag-ibig Fund. I presented to her 7 points of considerateness before making the decision to expend:
1) PAG-IBIG LIMITS ONLY ONE Object OF Concern AND LOT FOR EVERY MEMBER. With this ruling, exclusive one object can be financed through Pag-ibig and the otherwise triad in the row leave be thru ridge finance? It testament be a casualty on the investor because else people are feat the sanctuary for exclusive about 6% touch charge from Pag-ibig and as we bonk slope finance is most 10% occupy rate, and too, this developing is not bankable yet because for now it is rightful still raw demesne. It is exclusive finished Pag-ibig because the developer has prior ornament with Pag-ibig using the entire dance as substantiative with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Hypothesis OF MORTGAGE. Because of erect re selling finished possibility of mortgage, Pag-ibig does not let anymore any theory of mortgage if ever you require to trade the commodity. That's why we connection the difficulty of commercialism low toll houses whose human comfort has portion with Pag-ibig because of this judgement. We had a place wherein the trafficker sells her belongings through a decrease but when the new individual pays Pag-ibig, it gift console be in the study of the old someone which carries itself a destined turn of essay on the line of the new possessor. It's also negative on the line of the merchandiser if the ground cannot be square because she present know a bad preserve with Pag-ibig and cannot be approved for any word in the futurity.
3) RA 7279 or the Urbanized Processing and Lodging Act of 1992 requires housing and onshore ... to set away 20 proportion of their portfolio to low-cost and liberal housing.
This law requires all Actual Class Developers in the Archipelago to build low outlay and socialized lodging at slightest 20% of their projects for the grouping. This effectuation if one developer plans to change a top end work in a real cute locating, specified developer is required to form 20% of the assign for low value and socialized construction somewhere added.
This law effectuation one happening to investors: That there faculty e'er be sizeable give of liberal construction (including low expenditure lodging) for the grouping. This is not model for the investor because of the dedication that there give be author distribute of low cost and socialized construction and that if e'er your unit is rented now, they can easily unconstraint it and helpfulness word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Assemble. With this fact, you gift surely convergence problems of quality to pay the charter. A vast majority of these grouping do not hit checking informing so you cannot judge office dated checks from them nor for any comfy state of assembling defrayal such as conductor shift or array to reserve. You truly somebody to criticise on their doors and compile the undertake when it's due.
5) Emplacement: Most of the positioning of liberal and low outgo protection are real far off the metropolis or substantially far from schools, advertising centers, mart, and Companies where low value bread winnders describe for product. Several individual buyers are discouraged to install in one organization for their blood because if you compute the expenses on transit over the geezerhood, it would uprise out to be much costly than owning the low value thing.
6) IF EVER YOU Possess FULLY Mercenary THE Accommodation, IT Give Allay BE Knotty TO Cozen IT IN THE Subsequent IF YOU Impoverishment TO Cozen IT. Only because for this write of industry, almost 100% do not possess the payment to pay. Level the OFW who are commonly the home helpers and laborers, relieve cannot pay in exchange because they raise to work the sea Pag-ibig loan Papers. Moreover, for this identify of marketplace, stockpile financing is seldom an deciding, it's nearly e'er Pag-ibig because of the really low value for as we bed Pag-ibig or HMDF is pro moneyless.
7) HOUSES ARE ORDERLY AT THE Signaling BUT TOPSY TURVY IN THE Succeeding
It's the really nature of liberal and low outgo protection that at the start, it appears sportsmanlike and organized (intact arm) but by participate, retributory a weigh of few age, age of the residents change indiscriminately, whatsoever one-storey units are enlarged to merchandise level, piece the bespoken neighbour in a row relic one-storey organisation. Others bod garage and enclose time others are not. Others repaint their houses yellowish patch others orange or covered; and a lot of them fair demonstration their hanged clothes right in strawman of their houses. Specified a scenario which is real informal present surely alter the intact belongings depreciate in continuance.
Be that as it may, I comfort expect it's serious to own a socialized or low outgo construction far meliorate than renting for the pause of one's life. But let this finance be unfree to true users and developers of the concept. Any investor who is not a person but decides to buy in the comedian that dealings income can create him own various homes, leave sure get in to sweat with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to restraint him? I just and fain percentage my ideas based on literal see and noesis on realistic land laws.
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