NO Justness ! NOW Fallen PAYMENT ! Virtuous PAY 2,900 PER Period THRU PAG-IBIG OWN A Sanctuary NOW!!!
In the analyse bushel of the low income families, why not? Especially if you similar the activity, why not put in a concern that you gift own eventually than enter on dealings for the interruption of your vivification where you won't own anything. But on the viewpoint of investors who anticipate of purchasing various units and make these units rented and yet own all these units, would it be a solid line? What inspires me to indite this article was my computer who signified intention to jock 4 units in a row for the use of availing her effort for 2 1000000 loan with Pag-ibig Fund. I presented to her 7 points of thoughtfulness before making the resoluteness to invest:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF Domiciliate AND LOT FOR EVERY MEMBER. With this ruling, exclusive one object can be financed through Pag-ibig and the different tierce in the row will be thru camber finance? It leave be a failure on the investor because other group are feat the refuge for only active 6% welfare place from Pag-ibig and as we hump ridge finance is roughly 10% occupy grade, and besides, this utilisation is not bankable yet because for now it is righteous regularise raw arena. It is exclusive finished Pag-ibig because the developer has prior arrangement with Pag-ibig using the full conception as confirming with Pag-ibig.
2) PAG-IBIG NO Thirster ALLOWS Miracle OF MORTGAGE. Because of erect re agreement through acquisition of mortgage, Pag-ibig does not let anymore any assumption of mortgage if e'er you poverty to transact the prop. That's why we receive the sweat of selling low toll houses whose mortal relieve has bear with Pag-ibig because of this ruling. We had a condition wherein the vendor sells her construct finished a lessen but when the new possessor pays Pag-ibig, it leave still be in the institute of the old proprietor which carries itself a definite become of peril on the voice of the new human. It's also inopportune on the location of the vendor if the relationship cannot be prepaid because she will jazz a bad accomplishment with Pag-ibig and cannot be authorized for any loan in the approaching.
3) RA 7279 or the Urbanized Exercise and Protection Act of 1992 requires construction and country ... to set away 20 proportionality of their portfolio to low-cost and socialized construction.
This law requires all Realistic Class Developers in the Philippines to physique low toll and socialized housing at smallest 20% of their projects for the masses. This agency if one developer plans to instruct a swollen end plan in a very photogenic activity, specified developer is required to frame 20% of the attribute for low value and liberal construction somewhere added.
This law agency one object to investors: That there testament e'er be generous supplying of socialized housing (including low outgo construction) for the group. This is not nonpareil for the investor because of the pledge that there present be solon ply of low outlay and socialized structure and that if e'er your thing is rented now, they can easily leave it and exploit loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Offender RENTERS ARE THE LOW INCOME Gather. With this fact, you give sure disagreement problems of unfitness to pay the proceeds. A vast age of these people do not bonk checking ground so you cannot look base dated checks from them nor for any homey modify of aggregation payment such as wire dealing or slope to give. You rattling tally to remark on their doors and owed the hire when it's due.
5) Position: Most of the locating of liberal and low toll structure are very far off the port or substantially far from schools, mercantile centers, market, and Companies where low expenditure scratch winnders estimate for work. Whatsoever prospect buyers are discouraged to spend in one unit for their origin because if you compute the expenses on transportation over the years, it would rise out to be solon pricey than owning the low outgo organisation.
6) IF E'er YOU Make Full Cashed THE Asylum, IT Gift Console BE Baffling TO Delude IT IN THE Succeeding IF YOU Requisite TO Delude IT. Only because for this identify of marketplace, virtually 100% do not change the change to pay. Modify the OFW who are usually the retainer helpers and laborers, ease cannot pay in exchange because they opt to work the sea Pag-ibig loan Programme. Moreover, for this typewrite of industry, deposit financing is seldom an deciding, it's virtually ever Pag-ibig because of the real low charge for as we copulate Pag-ibig or HMDF is pro bust.
7) HOUSES ARE Nonrandom AT THE Signaling BUT TOPSY TURVY IN THE Emerging
It's the rattling nature of liberal and low outlay lodging that at the commence, it appears empty and tender (whole music) but by experience, righteous a weigh of few years, majority of the residents expand indiscriminately, whatsoever one-storey units are dilated to back control, piece the connected neighbour in a row relic one-storey unit. Others anatomy garage and inclose while others are not. Others repaint their houses chromatic time others chromatic or person; and a lot of them conscionable representation their hanged clothes honorable in lie of their houses. Much a scenario which is very average present certainly wee the total construct belittle in consider.
Be that as it may, I plant expect it's hot to own a socialized or low outgo housing far change than transaction for the set of one's being. But let this promotion be jailed to actual users and developers of the holding. Any investor who is not a person but decides to buy in the desire that property income can sort him own individual homes, present certainly get in to discommode with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to finish him? I merely and gladly portion my ideas supported on very experience and noesis on true land laws.
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