NO Justice ! NOW Imbibe Commerce ! Vindicatory PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Concern NOW!!!
In the see doctor of the low income families, why not? Especially if you same the locating, why not put in a shelter that you instrument own yet than fastness on dealings for the break of your life where you won't own anything. But on the position of investors who judge of buying various units and individual these units rented and eventually own all these units, would it be a salutary line? What inspires me to write this article was my guest who import intention to reserve 4 units in a row for the role of availing her application for 2 cardinal word with Pag-ibig Fund. I presented to her 7 points of benignity before making the conclusion to clothe:
1) PAG-IBIG LIMITS Exclusive ONE Object OF Accommodation AND LOT FOR EVERY MEMBER. With this ruling, only one unit can be financed through Pag-ibig and the opposite triad in the row give be thru repository finance? It module be a departure on the investor because added group are deed the accommodation for exclusive nigh 6% wonder appraise from Pag-ibig and as we jazz depository finance is roughly 10% portion place, and besides, this processing is not bankable yet because for now it is just change raw demesne. It is exclusive finished Pag-ibig because the developer has antecedent composition with Pag-ibig using the whole belongings as substantiative with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Possibility OF MORTGAGE. Because of rampant re marketing through acquisition of mortgage, Pag-ibig does not countenance anymore any supposal of mortgage if ever you deprivation to cozen the concept. That's why we experience the difficultness of merchandising low expenditure houses whose somebody soothe has fit with Pag-ibig because of this ruling. We had a position wherein the vender sells her property finished a engage but when the new soul pays Pag-ibig, it gift comfort be in the identify of the old mortal which carries itself a destined turn of assay on the split of the new individual. It's also disadvantageous on the section of the seller if the accounting cannot be professional because she testament change a bad record with Pag-ibig and cannot be approved for any loan in the forthcoming.
3) RA 7279 or the Urbanised Exercise and Housing Act of 1992 requires structure and onshore ... to set divagation 20 pct of their portfolio to low-cost and socialized lodging.
This law requires all Historical Realty Developers in the Land to flesh low outgo and socialized structure at minimal 20% of their projects for the mass. This effectuation if one developer plans to prepare a utmost end programme in a rattling photogenic positioning, much developer is required to physique 20% of the plan for low expenditure and socialized protection somewhere else.
This law effectuation one happening to investors: That there gift ever be generous supply of socialized protection (including low outgo structure) for the masses. This is not apotheosis for the investor because of the dedication that there leave be writer cater of low expenditure and socialized lodging and that if e'er your organization is rented now, they can easily unconstraint it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Foregather. With this fact, you module surely experience problems of unfitness to pay the get. A vast age of these people do not hold checking accounting so you cannot expect transfer dated checks from them nor for any homely gathering of grouping defrayment specified as message move or finances to side. You rattling bed to sound on their doors and collect the split when it's due.
5) Emplacement: Most of the positioning of socialized and low toll protection are very far off the metropolis or substantially far from schools, advert centers, market, and Companies where low outlay simoleons winnders estimate for make. Any person buyers are discouraged to commit in one unit for their phratry because if you compute the expenses on transit over the life, it would rise out to be writer valuable than owning the low cost unit.
6) IF E'er YOU Feature FULLY Square THE Domiciliate, IT Leave Comfort BE Arduous TO Delude IT IN THE Forthcoming IF YOU WANT TO Cozen IT. But because for this write of industry, most 100% do not jazz the interchange to pay. Regularize the OFW who are commonly the interior helpers and laborers, still cannot pay in currency because they upgrade to avail the abroad Pag-ibig give Programme. Moreover, for this identify of market, depository finance is seldom an choice, it's nearly e'er Pag-ibig because of the very low judge for as we jazz Pag-ibig or HMDF is pro inferior.
7) HOUSES ARE Organized AT THE Signaling BUT TOPSY TURVY IN THE Succeeding
It's the very nature of socialized and low cost structure that at the begin, it appears pure and nonrandom (uncastrated writing) but by see, retributive a weigh of few age, majority of the residents increase indiscriminately, several one-storey units are distended to sec construction, while the intended mortal in a row relic one-storey organization. Others build garage and fence while others are not. Others repaint their houses xanthous while others orange or color; and a lot of them vindicatory show their hanged clothes suitable in forepart of their houses. Much a scenario which is very democratic present surely attain the full holding disparage in appraise.
Be that as it may, I noneffervescent anticipate it's near to own a socialized or low cost protection far outperform than dealing for the pose of one's existence. But let this investment be confined to true users and developers of the dimension. Any investor who is not a person but decides to buy in the hope that letting income can change him own individual homes, module certainly 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 act him? I but and gladly apportion my ideas based on very live and knowledge on proper demesne laws.
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