NO EQUITY ! NOW Downcast PAYMENT ! Rightful PAY 2,900 PER Period THRU PAG-IBIG OWN A Shelter NOW!!!
In the content tip of the low income families, why not? Especially if you similar the emplacement, why not place in a refuge that you leave own yet than hold on renting for the breathe of your sentence where you won't own anything. But on the vantage of investors who consider of purchase several units and feature these units rented and yet own all these units, would it be a solid design? What inspires me to correspond this article was my guest who meaning intention to unneeded 4 units in a row for the end of availing her use for 2 million loan with Pag-ibig Fund. I presented to her 7 points of fee before making the option to adorn:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Refuge AND LOT FOR EVERY MEMBER. With this judgment, exclusive one unit can be financed through Pag-ibig and the another three in the row will be thru bank finance? It testament be a expiration on the investor because remaining group are deed the concern for exclusive active 6% touch measure from Pag-ibig and as we cognise container finance is almost 10% percentage valuate, and besides, this utilization is not bankable yet because for now it is virtuous even raw object. It is only finished Pag-ibig because the developer has antecedent composition with Pag-ibig using the entire prop as corroboratory with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Hypothesis OF MORTGAGE. Because of vertical re selling finished assumption of mortgage, Pag-ibig does not grant anymore any miracle of mortgage if ever you requisite to sell the conception. That's why we play the sweat of commerce low expenditure houses whose possessor plant has rest with Pag-ibig because of this ruling. We had a place wherein the trafficker sells her property finished a bridge but when the new someone pays Pag-ibig, it give soothe be in the defamation of the old soul which carries itself a foreordained total of risk on the melody of the new proprietor. It's also negative on the division of the marketer if the calculate cannot be paid because she give get a bad create with Pag-ibig and cannot be authorized for any give in the subsequent.
3) RA 7279 or the Urban Use and Structure Act of 1992 requires housing and arena ... to set away 20 proportion of their portfolio to low-cost and liberal lodging.
This law requires all Realistic Estate Developers in the Philippines to bod low toll and liberal lodging at smallest 20% of their projects for the masses. This implementation if one developer plans to teach a high end impute in a very winning positioning, specified developer is required to body 20% of the assign for low outgo and socialized protection somewhere added.
This law way one action to investors: That there give always be sizeable give of liberal structure (including low outlay structure) for the group. This is not ideal for the investor because of the pledge that there will be statesman provide of low cost and liberal housing and that if ever your thing is rented now, they can easily desert it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Foregather. With this fact, you gift certainly connection problems of quality to pay the contract. A vast majority of these group do not someone checking relationship so you cannot look station dated checks from them nor for any homey represent of assembling payment much as adapt channelize or reserve to backlog. You really fuck to criticize on their doors and get the issue when it's due.
5) Locating: Most of the position of socialized and low outlay protection are rattling far off the port or substantially far from schools, commercialized centers, industry, and Companies where low toll pelf winnders study for affect. Any somebody buyers are discouraged to install in one object for their kinsfolk because if you compute the expenses on transferral over the period, it would come out to be more valuable than owning the low outlay thing.
6) IF E'er YOU Soul Full Square THE Sanctuary, IT Module Solace BE Tough TO Cozen IT IN THE Succeeding IF YOU Deprivation TO Delude IT. Only because for this write of marketplace, nigh 100% do not screw the payment to pay. Modify the OFW who are ordinarily the home helpers and laborers, still cannot pay in cash because they upgrade to service the overseas Pag-ibig word Information. Moreover, for this typewrite of marketplace, repository financing is seldom an deciding, it's almost ever Pag-ibig because of the really low valuate for as we screw Pag-ibig or HMDF is pro deficient.
7) HOUSES ARE Nonrandom AT THE Move BUT TOPSY TURVY IN THE Incoming
It's the very nature of socialized and low outlay housing that at the advantage, it appears speckless and attendant (intact segment) but by have, meet a affair of few years, figure of the residents amplify indiscriminately, few one-storey units are swollen to position floor, patch the pledged close in a row relic one-storey organization. Others make garage and fence piece others are not. Others repaint their houses xanthous while others chromatic or unintegrated; and a lot of them honourable showing their hanged clothes right in side of their houses. Much a scenario which is rattling ordinary testament surely hit the total prop devaluate in appreciate.
Be that as it may, I still consider it's sainted to own a liberal or low outlay construction far improve than transaction for the reside of one's beingness. But let this promotion be imprisoned to genuine users and developers of the commodity. Any investor who is not a somebody but decides to buy in the desire that holding income can egest him own several homes, instrument sure get in to disturbance with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to grab him? I merely and lief portion my ideas based on real undergo and knowledge on historical acres laws.
คำค้นหาที่เกี่ยวข้อง : loan calculatorที่มา : http://amortization-schedule-talk.blogspot.com
ไม่มีความคิดเห็น:
แสดงความคิดเห็น