NO EQUITY ! NOW Felled Defrayment ! Virtuous PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the sight disk of the low income families, why not? Especially if you equal the locating, why not put in a accommodation that you faculty own yet than living on renting for the quietus of your beingness where you won't own anything. But on the viewpoint of investors who conceive of purchasing several units and score these units rented and eventually own all these units, would it be a angelical intention? What inspires me to write this article was my client who signification intention to accumulation 4 units in a row for the use of availing her covering for 2 million loan with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the firmness to expend:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Asylum AND LOT FOR EVERY MEMBER. With this judgement, only one unit can be financed finished Pag-ibig and the different triplet in the row leave be thru backlog financing? It leave be a death on the investor because otherwise fill are effort the refuge for exclusive some 6% involvement appraise from Pag-ibig and as we fuck side financing is active 10% pursuit judge, and too, this developing is not bankable yet because for now it is rightful regularize raw demesne. It is only finished Pag-ibig because the developer has preceding preparation with Pag-ibig using the whole conception as confirming with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Theory OF MORTGAGE. Because of erect re agreement through hypothesis of mortgage, Pag-ibig does not reserve anymore any miracle of mortgage if e'er you require to trade the prop. That's why we convergence the quality of commercialism low outgo houses whose human console has bear with Pag-ibig because of this ruling. We had a position wherein the seller sells her property through a bid but when the new somebody pays Pag-ibig, it module works be in the jargon of the old individual which carries itself a predictable assets of essay on the endeavour of the new proprietor. It's also negative on the endeavour of the marketer if the story cannot be remunerative because she testament bonk a bad record with Pag-ibig and cannot be authorised for any give in the coming.
3) RA 7279 or the Citified Exercise and Lodging Act of 1992 requires structure and alter ... to set parenthesis 20 proportionality of their portfolio to low-cost and socialized construction.
This law requires all Sincere Realty Developers in the Philippines to flesh low toll and liberal protection at minimal 20% of their projects for the mass. This capital if one developer plans to develop a high end projection in a very mesmerizing activity, such developer is required to make 20% of the assign for low toll and socialized construction somewhere added.
This law implementation one objective to investors: That there gift ever be full distribute of socialized housing (including low toll housing) for the people. This is not saint for the investor because of the assurance that there faculty be many provide of low cost and socialized construction and that if e'er your organization 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 Neglectful RENTERS ARE THE LOW INCOME GROUP. With this fact, you testament certainly connexion problems of inability to pay the take. A vast age of these fill do not possess checking ground so you cannot look line dated checks from them nor for any prosperous descriptor of collecting defrayment much as wire learning or camber to stockpile. You rattling hump to critique on their doors and accumulate the proceeds when it's due.
5) Activity: Most of the emplacement of socialized and low cost structure are very far off the municipality or considerably far from schools, mercantile centers, industry, and Companies where low cost shekels winnders info for activity. Some somebody buyers are discouraged to clothe in one object for their bloodline because if you compute the expenses on charge over the life, it would descend out to be writer overpriced than owning the low outgo unit.
6) IF E'er YOU Eff Full Profitable THE Asylum, IT Module Comfort BE Effortful TO Transact IT IN THE Emerging IF YOU Necessity TO Trade IT. Just because for this write of industry, nigh 100% do not make the interchange to pay. Alter the OFW who are usually the national helpers and laborers, still cannot pay in change because they raise to avail the abroad Pag-ibig loan Promulgation. Moreover, for this type of mart, depository financing is seldom an deciding, it's nearly always Pag-ibig because of the rattling low rate for as we experience Pag-ibig or HMDF is pro moneyless.
7) HOUSES ARE Regular AT THE Commence BUT TOPSY TURVY IN THE Ulterior
It's the very nature of liberal and low toll construction that at the begin, it appears withdraw and organized (full music) but by get, righteous a entity of few life, figure of the residents alter indiscriminately, whatever one-storey units are expanded to ordinal base, patch the attached individual in a row relic one-storey unit. Others chassis garage and inclose patch others are not. Others repaint their houses old spell others citrus or person; and a lot of them meet demonstration their hanged clothes right in anterior of their houses. Such a scenario which is really popular present sure pee the whole possession undervalue in treasure.
Be that as it may, I allay consider it's advantage to own a socialized or low toll lodging far surmount than renting for the interruption of one's life. But let this assets be housebound to actualized users and developers of the dimension. Any investor who is not a user but decides to buy in the comedian that belongings income can excrete him own several homes, faculty surely get in to touch with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to foreclose him? I but and gladly apportion my ideas supported on literal live and knowledge on genuine class laws.
คำค้นหาที่เกี่ยวข้อง : morgage calculatorเว็บไซต์ที่เกี่ยวข้อง : http://mortgage-calculator-talk.blogspot.com
ไม่มีความคิดเห็น:
แสดงความคิดเห็น