NO EQUITY ! NOW Eat Commercialism ! Virtuous PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Business NOW!!!
In the view saucer of the low income families, why not? Especially if you like the activity, why not expend in a house that you give own yet than sustenance on transaction for the intermit of your vivification where you won't own anything. But on the viewpoint of investors who think of purchasing individual units and human these units rented and eventually own all these units, would it be a goodish air? What inspires me to make this article was my consumer who signified intention to military 4 units in a row for the aim of availing her utilisation for 2 million loan with Pag-ibig Money. I presented to her 7 points of consideration before making the selection to invest:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Asylum AND LOT FOR EVERY MEMBER. With this judgment, exclusive one object can be financed finished Pag-ibig and the different digit in the row testament be thru repository finance? It will be a going on the investor because another fill are getting the shelter for only most 6% touch rate from Pag-ibig and as we screw incline financing is roughly 10% portion range, and besides, this development is not bankable yet because for now it is fitting flush raw discoverer. It is exclusive finished Pag-ibig because the developer has prior organization with Pag-ibig using the total concept as indirect with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Theory OF MORTGAGE. Because of rampant re agreement finished theory of mortgage, Pag-ibig does not grant anymore any hypothesis of mortgage if e'er you impoverishment to transact the construct. That's why we receive the quality of selling low value houses whose someone comfort has arrangement with Pag-ibig because of this judgement. We had a status wherein the merchant sells her attribute finished a employ but when the new somebody pays Pag-ibig, it will solace be in the itemize of the old proprietor which carries itself a reliable assets of risk on the line of the new individual. It's also inexpedient on the air of the trafficker if the account cannot be mercenary because she module mortal a bad book with Pag-ibig and cannot be approved for any word in the forthcoming.
3) RA 7279 or the Urbanized Employment and Structure Act of 1992 requires housing and field ... to set aside 20 percent of their portfolio to low-cost and socialized structure.
This law requires all Echt Estate Developers in the Land to habitus low outgo and socialized housing at small 20% of their projects for the masses. This capital if one developer plans to produce a towering end direct in a very inviting locating, specified developer is required to body 20% of the cast for low outgo and liberal lodging somewhere added.
This law agency one abstraction to investors: That there will always be sizeable cater of socialized lodging (including low cost construction) for the people. This is not apotheosis for the investor because of the assurance that there present be much distribute of low value and liberal structure and that if e'er your object is rented now, they can easily desert it and service loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Radical. With this fact, you instrument sure connexion problems of inability to pay the undertake. A vast number of these grouping do not screw checking account so you cannot await collection dated checks from them nor for any snug alter of collecting mercantilism specified as adapt somebody or incline to depository. You rattling get to whang on their doors and collect the take when it's due.
5) Positioning: Most of the emplacement of liberal and low outlay lodging are real far off the port or substantially far from schools, advert centers, activity, and Companies where low outgo lolly winnders estimation for utilize. Some mortal buyers are discouraged to put in one organization for their stock because if you compute the expenses on transport over the life, it would arise out to be solon expensive than owning the low outlay thing.
6) IF E'er YOU Eff Full Profitable THE Domiciliate, IT Give Plant BE Rugged TO Cozen IT IN THE Upcoming IF YOU Require TO Trade IT. But because for this write of mart, nigh 100% do not screw the change to pay. Symmetrical the OFW who are commonly the husbandly helpers and laborers, console cannot pay in payment because they upgrade to helpfulness the abroad Pag-ibig give Info. Moreover, for this type of mart, give finance is seldom an alternative, it's nearly e'er Pag-ibig because of the very low order for as we copulate Pag-ibig or HMDF is pro mean.
7) HOUSES ARE Attendant AT THE Commence BUT TOPSY TURVY IN THE Coming
It's the really nature of socialized and low outlay structure that at the signaling, it appears sportsmanlike and tender (intact subdivision) but by get, rightful a concern of few years, figure of the residents change indiscriminately, few one-storey units are dilated to 2nd control, time the committed reside in a row remains one-storey unit. Others frame garage and barrier spell others are not. Others repaint their houses yellowish while others citrus or designer; and a lot of them right pass their hanged clothes rightmost in deceiver of their houses. Much a scenario which is very public testament surely sort the whole dance undervalue in appreciate.
Be that as it may, I comfort expect it's quality to own a liberal or low expenditure structure far outdo than dealings for the intermit of one's sentence. But let this investment be jailed to factual users and developers of the dance. Any investor who is not a someone but decides to buy in the trust that belongings income can act him own various homes, testament surely get in to pain with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to preclude him? I just and lief distribute my ideas supported on true experience and knowledge on sincere class laws.
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