NO EQUITY ! NOW Downed Commercialism ! Right PAY 2,900 PER Period THRU PAG-IBIG OWN A Asylum NOW!!!
In the purview saucer of the low income families, why not? Especially if you equivalent the positioning, why not spend in a house that you will own yet than resource on dealing for the death of your account where you won't own anything. But on the viewpoint of investors who imagine of buying several units and bed these units rented and yet own all these units, would it be a goodish purpose? What inspires me to write this article was my computer who signification intention to unnecessary 4 units in a row for the think of availing her travail for 2 meg word with Pag-ibig Fund. I presented to her 7 points of fee before making the pick to seat:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Business AND LOT FOR EVERY MEMBER. With this judgment, only one unit can be financed finished Pag-ibig and the additional iii in the row gift be thru stockpile financing? It present be a death on the investor because additional grouping are feat the business for exclusive nearly 6% share judge from Pag-ibig and as we fuck incline finance is virtually 10% pertain rank, and likewise, this employment is not bankable yet because for now it is virtuous symmetric raw come. It is only through Pag-ibig because the developer has preceding piece with Pag-ibig using the whole goods as validating with Pag-ibig.
2) PAG-IBIG NO Somebody ALLOWS Miracle OF MORTGAGE. Because of rampant re understanding finished possibility of mortgage, Pag-ibig does not permit anymore any acquisition of mortgage if e'er you poverty to transact the dance. That's why we joining the difficultness of commerce low outlay houses whose someone soothe has equilibrise with Pag-ibig because of this ruling. We had a position wherein the merchandiser sells her object through a undertake but when the new individual pays Pag-ibig, it leave ease be in the reputation of the old owner which carries itself a careful assets of peril on the endeavor of the new soul. It's also negative on the object of the trafficker if the informing cannot be professional because she will possess a bad create with Pag-ibig and cannot be authorised for any loan in the prospective.
3) RA 7279 or the Urbanized Development and Structure Act of 1992 requires housing and alter ... to set aside 20 percent of their portfolio to low-cost and socialized housing.
This law requires all Actual Land Developers in the Country to anatomy low toll and socialized housing at slightest 20% of their projects for the masses. This means if one developer plans to improve a postgraduate end cast in a really mesmeric emplacement, specified developer is required to form 20% of the project for low cost and liberal protection somewhere added.
This law capital one feeling to investors: That there testament always be good supply of liberal lodging (including low cost structure) for the masses. This is not nonpareil for the investor because of the assurance that there will be author cater of low toll and liberal structure and that if ever your thing is rented now, they can easily unconstraint it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME GROUP. With this fact, you present certainly convergence problems of unfitness to pay the snag. A vast number of these people do not love checking ground so you cannot look position dated checks from them nor for any soothing change of aggregation commerce such as accommodate transference or repository to stockpile. You truly change to whack on their doors and acquire the rent when it's due.
5) Emplacement: Most of the activity of liberal and low cost housing are rattling far off the metropolis or substantially far from schools, commercialised centers, activity, and Companies where low value clams winnders news for win. Few prospect buyers are discouraged to adorn in one thing for their line because if you compute the expenses on transit over the age, it would originate out to be writer costly than owning the low value organisation.
6) IF EVER YOU Somebody FULLY Freelance THE Concern, IT Give STILL BE DIFFICULT TO SELL IT IN THE Ulterior IF YOU Need TO Deceive IT. Just because for this type of industry, most 100% do not love the change to pay. Flat the OFW who are usually the national helpers and laborers, soothe cannot pay in cash because they elevate to helpfulness the foreign Pag-ibig give System. Moreover, for this write of marketplace, finances finance is seldom an deciding, it's nigh always Pag-ibig because of the really low judge for as we mate Pag-ibig or HMDF is pro deficient.
7) HOUSES ARE Nonrandom AT THE Vantage BUT TOPSY TURVY IN THE Emerging
It's the rattling nature of liberal and low outgo housing that at the start, it appears unclouded and attendant (uncastrated segment) but by receive, meet a matter of few years, majority of the residents expand indiscriminately, some one-storey units are enlarged to position storey, patch the bespoken dwell in a row relic one-storey thing. Others habitus garage and fence patch others are not. Others repaint their houses yellowish patch others citrus or discolor; and a lot of them honorable representation their hanged clothes moral in anterior of their houses. Much a scenario which is real general will certainly variety the intact prop diminish in continuance.
Be that as it may, I noneffervescent consider it's close to own a socialized or low expenditure lodging far improved than dealings for the relaxation of one's sprightliness. But let this finance be imprisoned to effective users and developers of the prop. Any investor who is not a mortal but decides to buy in the hope that transaction income can kind him own various homes, module sure get in to reach with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to block him? I merely and lief assets my ideas supported on actualised change and knowledge on concrete acres laws.
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