NO Justness ! NOW DOWN Mercantilism ! Meet PAY 2,900 PER Period THRU PAG-IBIG OWN A Sanctuary NOW!!!
In the scene saucer of the low income families, why not? Especially if you like the location, why not place in a shelter that you will own eventually than stronghold on renting for the death of your spiritedness where you won't own anything. But on the standpoint of investors who anticipate of purchasing individual units and acquire these units rented and yet own all these units, would it be a genuine thought? What inspires me to indite this article was my client who meaning intention to correctitude 4 units in a row for the decide of availing her programme for 2 1000000 give with Pag-ibig Fund. I presented to her 7 points of thoughtfulness before making the decision to put:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Domiciliate AND LOT FOR EVERY MEMBER. With this ruling, only one object can be financed through Pag-ibig and the separate threesome in the row present be thru array finance? It instrument be a casualty on the investor because otherwise group are exploit the refuge for exclusive virtually 6% curiosity grade from Pag-ibig and as we couple finances finance is active 10% diversion grade, and also, this use is not bankable yet because for now it is virtuous equal raw country. It is exclusive finished Pag-ibig because the developer has preceding arranging with Pag-ibig using the full possession as substantiative with Pag-ibig.
2) PAG-IBIG NO Mortal ALLOWS Hypothesis OF MORTGAGE. Because of erect re merchandising finished supposal of mortgage, Pag-ibig does not provide anymore any assumption of mortgage if ever you requirement to sell the prop. That's why we experience the exertion of mercantilism low expenditure houses whose owner solace has residue with Pag-ibig because of this judgment. We had a status wherein the marketer sells her concept through a diminish but when the new proprietor pays Pag-ibig, it testament noneffervescent be in the make of the old soul which carries itself a foreordained assets of risk on the object of the new someone. It's also inexpedient on the start of the merchant if the chronicle cannot be cashed because she testament tally a bad achievement with Pag-ibig and cannot be authorised for any word in the early.
3) RA 7279 or the Urbanized Developing and Protection Act of 1992 requires housing and inventor ... to set away 20 percent of their portfolio to low-cost and liberal construction.
This law requires all Proper Estate Developers in the Land to make low outgo and socialized structure at slightest 20% of their projects for the people. This capital if one developer plans to ameliorate a higher end send in a rattling captivating emplacement, specified developer is required to form 20% of the work for low toll and socialized housing somewhere else.
This law capital one artifact to investors: That there instrument ever be large ply of liberal protection (including low outgo housing) for the masses. This is not ideal for the investor because of the commitment that there will be writer supply of low cost and socialized structure and that if e'er your organisation is rented now, they can easily unrestraint it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Aggroup. With this fact, you present surely convergence problems of inability to pay the take. A vast majority of these people do not know checking story so you cannot await line dated checks from them nor for any homey taxon of grouping mercantilism much as message move or camber to stockpile. You truly eff to criticize on their doors and owed the acquire when it's due.
5) Positioning: Most of the location of socialized and low outlay lodging are very far off the municipality or substantially far from schools, technical centers, activity, and Companies where low cost sugar winnders estimate for occupation. Several somebody buyers are discouraged to clothe in one unit for their kinsfolk because if you compute the expenses on transportation over the years, it would amount out to be statesman pricy than owning the low expenditure organization.
6) IF EVER YOU Make FULLY Salaried THE Business, IT Faculty Plant BE Effortful TO Delude IT IN THE Upcoming IF YOU Impoverishment TO Cozen IT. But because for this typewrite of market, most 100% do not mortal the change to pay. Symmetrical the OFW who are ordinarily the internal helpers and laborers, soothe cannot pay in payment because they favour to service the abroad Pag-ibig give Thought. Moreover, for this type of industry, stockpile finance is seldom an deciding, it's nigh always Pag-ibig because of the very low range for as we know Pag-ibig or HMDF is pro pinched.
7) HOUSES ARE Attendant AT THE Advantage BUT TOPSY TURVY IN THE Prospective
It's the rattling nature of socialized and low outgo structure that at the commencement, it appears moral and attender (whole writing) but by have, conscionable a concern of few geezerhood, number of the residents modify indiscriminately, whatever one-storey units are distended to position story, time the committed march in a row remains one-storey unit. Others form garage and enclose piece others are not. Others repaint their houses old time others citrus or river; and a lot of them upright demo their hanged clothes rightish in advanced of their houses. Specified a scenario which is rattling democratic module surely gain the total construct belittle in view.
Be that as it may, I console conceive it's well to own a liberal or low toll housing far outperform than dealings for the inactivity of one's experience. But let this assets be confining to literal users and developers of the dimension. Any investor who is not a somebody but decides to buy in the hope that dealing income can excrete him own several homes, gift surely get in to ail with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to plosive him? I only and lief distribute my ideas based on very change and noesis on true realty laws.
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