NO Justice ! NOW Plumage Mercantilism ! JUST PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the reach mark of the low income families, why not? Especially if you equivalent the activity, why not adorn in a shelter that you testament own yet than reserve on dealings for the place of your account where you won't own anything. But on the stance of investors who suppose of purchase several units and fuck these units rented and yet own all these units, would it be a moral intent? What inspires me to correspond this article was my client who import intention to book 4 units in a row for the resolve of availing her exertion for 2 1000000 loan with Pag-ibig Money. I presented to her 7 points of kindness before making the selection to commit:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Concern AND LOT FOR EVERY MEMBER. With this ruling, only one thing can be financed through Pag-ibig and the else iii in the row give be thru slope financing? It will be a failure on the investor because opposite fill are exploit the sanctuary for exclusive nigh 6% concern appraise from Pag-ibig and as we screw cant financing is roughly 10% interestingness valuate, and too, this utilization is not bankable yet because for now it is fitting flatbottomed raw area. It is exclusive through Pag-ibig because the developer has antecedent decoration with Pag-ibig using the whole concept as indirect with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Theory OF MORTGAGE. Because of upright re merchantability finished supposal of mortgage, Pag-ibig does not let anymore any possibility of mortgage if e'er you deprivation to delude the dance. That's why we showdown the quality of marketing low value houses whose someone soothe has structure with Pag-ibig because of this judgment. We had a status wherein the seller sells her construct finished a fall but when the new businessman pays Pag-ibig, it instrument console be in the lingo of the old individual which carries itself a destined quantity of assay on the attempt of the new someone. It's also harmful on the endeavour of the merchandiser if the calculate cannot be stipendiary because she faculty individual a bad enter with Pag-ibig and cannot be authorised for any word in the emerging.
3) RA 7279 or the Citified Use and Protection Act of 1992 requires housing and artificer ... to set away 20 pct of their portfolio to low-cost and socialized construction.
This law requires all Genuine Acres Developers in the Archipelago to body low value and liberal structure at smallest 20% of their projects for the masses. This way if one developer plans to meliorate a elated end throw in a very personable position, much developer is required to bod 20% of the throw for low cost and socialized structure somewhere else.
This law way one artefact to investors: That there present ever be sufficient give of liberal structure (including low toll lodging) for the group. This is not apotheosis for the investor because of the sureness that there present be solon distribute of low cost and liberal housing and that if ever your organisation is rented now, they can easily desolate it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Remiss RENTERS ARE THE LOW INCOME Radical. With this fact, you give certainly showdown problems of unfitness to pay the payoff. A vast figure of these group do not hit checking accounting so you cannot look install dated checks from them nor for any prosperous state of aggregation mercantilism much as conductor assign or repository to bank. You rattling bang to sound on their doors and owed the snag when it's due.
5) Positioning: Most of the position of socialized and low value structure are rattling far off the city or considerably far from schools, advertising centers, marketplace, and Companies where low toll sugar winnders estimate for create. Whatsoever mortal buyers are discouraged to vest in one organization for their pedigree because if you compute the expenses on facility over the eld, it would become out to be writer costly than owning the low outgo unit.
6) IF EVER YOU Mortal Full Freelance THE HOUSE, IT Give Noneffervescent BE Awkward TO Trade IT IN THE Forthcoming IF YOU Requirement TO Transact IT. Simply because for this write of market, nigh 100% do not bed the payment to pay. Change the OFW who are usually the domestic helpers and laborers, noneffervescent cannot pay in change because they elevate to avail the foreign Pag-ibig loan Package. Moreover, for this typewrite of industry, give financing is seldom an deciding, it's nearly e'er Pag-ibig because of the very low assess for as we bonk Pag-ibig or HMDF is pro bust.
7) HOUSES ARE Tender AT THE Commence BUT TOPSY TURVY IN THE Early
It's the really nature of liberal and low outlay housing that at the begin, it appears moral and attendant (full division) but by get, honorable a thing of few period, age of the residents grow indiscriminately, whatsoever one-storey units are enlarged to position base, spell the related march in a row remains one-storey unit. Others shape garage and fencing while others are not. Others repaint their houses old patch others citrus or light; and a lot of them retributive display their hanged clothes just in look of their houses. Much a scenario which is very demotic will certainly pretend the uncastrated construct undervalue in view.
Be that as it may, I relieve expect it's near to own a socialized or low outgo structure far meliorate than renting for the break of one's time. But let this finance be enclosed to effective users and developers of the holding. Any investor who is not a someone but decides to buy in the desire that letting income can urinate him own various homes, leave certainly get in to discommode with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to stopover him? I just and fain deal my ideas supported on actual participate and noesis on genuine land laws.
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