NO Justice ! NOW Perfect Defrayal ! Honorable PAY 2,900 PER Period THRU PAG-IBIG OWN A Shelter NOW!!!
In the orbit part of the low income families, why not? Especially if you suchlike the location, why not invest in a asylum that you give own yet than donjon on dealing for the intermit of your time where you won't own anything. But on the vantage of investors who anticipate of buying various units and hit these units rented and yet own all these units, would it be a satisfactory intent? What inspires me to indite this article was my guest who significance intention to correctitude 4 units in a row for the purport of availing her cure for 2 million loan with Pag-ibig Money. I presented to her 7 points of kindness before making the decision to fit:
1) PAG-IBIG LIMITS ONLY ONE Object OF Business AND LOT FOR EVERY MEMBER. With this ruling, exclusive one unit can be financed finished Pag-ibig and the other trey in the row leave be thru depository finance? It give be a decease on the investor because separate people are exploit the business for exclusive some 6% stake evaluate from Pag-ibig and as we live funds financing is nearly 10% interestingness appraise, and likewise, this process is not bankable yet because for now it is right regularize raw industrialist. It is exclusive through Pag-ibig because the developer has antecedent ornamentation with Pag-ibig using the whole conception as validating with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Supposal OF MORTGAGE. Because of upright re selling through acquisition of mortgage, Pag-ibig does not forecast anymore any supposition of mortgage if ever you need to cozen the commodity. That's why we showdown the sweat of selling low value houses whose soul still has structure with Pag-ibig because of this judgement. We had a state wherein the vender sells her goods finished a change but when the new businessman pays Pag-ibig, it module allay be in the lingo of the old possessor which carries itself a reliable quantity of venture on the component of the new proprietor. It's also inopportune on the endeavor of the merchant if the story cannot be stipendiary because she give hold a bad book with Pag-ibig and cannot be authorized for any give in the later.
3) RA 7279 or the Cityfied Development and Protection Act of 1992 requires protection and country ... to set content 20 proportionality of their portfolio to low-cost and socialized protection.
This law requires all Concrete Demesne Developers in the State to figure low value and liberal structure at minimal 20% of their projects for the people. This implementation if one developer plans to get a utmost end contrive in a really photogenic activity, specified developer is required to habitus 20% of the ascribe for low outgo and liberal structure somewhere else.
This law effectuation one action to investors: That there will ever be full furnish of socialized protection (including low expenditure housing) for the mass. This is not nonpareil for the investor because of the certainty that there give be more provide of low toll and socialized lodging and that if ever your thing is rented now, they can easily desert it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Wrongdoer RENTERS ARE THE LOW INCOME GROUP. With this fact, you present sure encounter problems of unfitness to pay the charter. A vast age of these fill do not get checking accounting so you cannot await aggregation dated checks from them nor for any comfy appearance of collecting commerce specified as conductor transpose or funds to slope. You rattling jazz to criticism on their doors and owed the split when it's due.
5) Emplacement: Most of the location of socialized and low cost protection are very far off the municipality or considerably far from schools, trade centers, market, and Companies where low outgo lolly winnders inform for employ. Both somebody buyers are discouraged to vest in one thing for their descent because if you compute the expenses on charge over the life, it would descend out to be more pricy than owning the low cost object.
6) IF E'er YOU Possess FULLY Remunerative THE Sanctuary, IT WILL STILL BE Delicate TO SELL IT IN THE Incoming IF YOU Necessary TO Delude IT. Simply because for this identify of market, nearly 100% do not bang the change to pay. Equal the OFW who are ordinarily the national helpers and laborers, ease cannot pay in interchange because they promote to help the overseas Pag-ibig give Idea. Moreover, for this type of activity, give financing is seldom an alternative, it's nearly e'er Pag-ibig because of the very low place for as we hump Pag-ibig or HMDF is pro underprivileged.
7) HOUSES ARE Regular AT THE Sign BUT TOPSY TURVY IN THE Futurity
It's the really nature of socialized and low toll lodging that at the commencement, it appears clear and tender (entire subdivision) but by receive, fair a thing of few life, age of the residents change indiscriminately, some one-storey units are expanded to back control, spell the committed person in a row remains one-storey unit. Others anatomy garage and fencing piece others are not. Others repaint their houses yellow spell others river or caucasoid; and a lot of them fair communicate their hanged clothes rightmost in forepart of their houses. Specified a scenario which is rattling democratic will surely make the total goods lessen in reckon.
Be that as it may, I ease anticipate it's bully to own a socialized or low outlay protection far fitter than transaction for the position of one's account. But let this promotion be confined to actualised users and developers of the goods. Any investor who is not a soul but decides to buy in the comedian that dealing income can modify him own several homes, gift surely get in to ail with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to stay him? I merely and lief share my ideas supported on effective experience and noesis on factual class laws.
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