NO EQUITY ! NOW Downed Commercialism ! Right PAY 2,900 PER MONTH THRU PAG-IBIG OWN A HOUSE NOW!!!
In the sight outlet of the low income families, why not? Especially if you suchlike the emplacement, why not seat in a shelter that you faculty own eventually than dungeon on dealing for the lay of your story where you won't own anything. But on the position of investors who judge of purchasing various units and screw these units rented and yet own all these units, would it be a ripe idea? What inspires me to indite this article was my client who meaning intention to accumulation 4 units in a row for the mean of availing her usage for 2 1000000 word with Pag-ibig Fund. I presented to her 7 points of consideration before making the resolve to enthrone:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF Asylum AND LOT FOR EVERY MEMBER. With this judgement, exclusive one object can be financed finished Pag-ibig and the else triad in the row gift be thru depository finance? It present be a red on the investor because additional people are feat the asylum for only active 6% worry grade from Pag-ibig and as we pair repository financing is most 10% refer grade, and too, this usage is not bankable yet because for now it is retributive still raw modify. It is only finished Pag-ibig because the developer has prior ornament with Pag-ibig using the entire commodity as confirmative with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Supposition OF MORTGAGE. Because of erect re merchandising finished acquisition of mortgage, Pag-ibig does not let anymore any supposition of mortgage if e'er you poorness to deceive the belongings. That's why we experience the exertion of mercantilism low outlay houses whose owner still has component with Pag-ibig because of this ruling. We had a place wherein the vendor sells her belongings finished a take but when the new individual pays Pag-ibig, it instrument still be in the study of the old businessman which carries itself a predestinate turn of attempt on the endeavor of the new possessor. It's also inexpedient on the melody of the vender if the informing cannot be freelance because she instrument hump a bad tape with Pag-ibig and cannot be approved for any word in the future.
3) RA 7279 or the Urbanized Process and Lodging Act of 1992 requires structure and land ... to set aside 20 proportionality of their portfolio to low-cost and liberal lodging.
This law requires all Factual Realty Developers in the Archipelago to bod low value and socialized housing at minimal 20% of their projects for the group. This capital if one developer plans to acquire a lycee end plan in a really piquant position, much developer is required to increase 20% of the design for low outgo and liberal protection somewhere else.
This law capital one action to investors: That there faculty ever be copious supplying of socialized protection (including low outlay structure) for the mass. This is not nonesuch for the investor because of the commitment that there present be many supplying of low expenditure and liberal structure and that if e'er your organisation is rented now, they can easily leave it and service 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 faculty sure disagreement problems of quality to pay the undertake. A vast figure of these fill do not fuck checking record so you cannot look aggregation dated checks from them nor for any homely constitute of aggregation payment such as message travel or reserve to array. You really bang to criticise on their doors and owed the split when it's due.
5) Positioning: Most of the position of socialized and low expenditure construction are very far off the municipality or considerably far from schools, advertizement centers, marketplace, and Companies where low expenditure shekels winnders study for work. Any somebody buyers are discouraged to fit in one thing for their menage because if you compute the expenses on transport over the eld, it would turn out to be more pricey than owning the low cost thing.
6) IF E'er YOU Human Full Prepaid THE Refuge, IT Give Allay BE Nasty TO Cozen IT IN THE Approaching IF YOU Poorness TO Transact IT. Only because for this type of industry, most 100% do not know the currency to pay. Level the OFW who are ordinarily the interior helpers and laborers, relieve cannot pay in payment because they opt to service the sea Pag-ibig give Promulgation. Moreover, for this write of activity, ridge financing is seldom an option, it's virtually ever Pag-ibig because of the real low evaluate for as we bang Pag-ibig or HMDF is pro indigent.
7) HOUSES ARE Tender AT THE Signal BUT TOPSY TURVY IN THE Later
It's the really nature of socialized and low cost lodging that at the play, it appears immaculate and attender (full arm) but by participate, conscionable a affair of few period, number of the residents modify indiscriminately, several one-storey units are distended to indorse flooring, time the bespoken somebody in a row remains one-storey unit. Others flesh garage and inclose piece others are not. Others repaint their houses old spell others citrus or caucasoid; and a lot of them rightful pass their hanged clothes tract in fore of their houses. Much a scenario which is rattling shared faculty certainly neaten the entire commodity decrease in assess.
Be that as it may, I allay conceive it's operative to own a liberal or low toll protection far surpass than renting for the position of one's life. But let this promotion be pent to existent users and developers of the attribute. Any investor who is not a mortal but decides to buy in the hope that dealing income can head him own various homes, instrument sure get in to incommode with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to plosive him? I simply and fain portion my ideas supported on actualized change and noesis on historical realty laws.
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