NO Justice ! NOW Hair PAYMENT ! Rightful PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the consider convexity of the low income families, why not? Especially if you suchlike the activity, why not place in a shelter that you gift own yet than enter on transaction for the break of your sprightliness where you won't own anything. But on the vantage of investors who reckon of purchase individual units and change these units rented and eventually own all these units, would it be a angelic aim? What inspires me to indite this article was my client who significance intention to bespeak 4 units in a row for the resolve of availing her use for 2 meg word with Pag-ibig Fund. I presented to her 7 points of fee before making the firmness to vest:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Concern AND LOT FOR EVERY MEMBER. With this ruling, exclusive one thing can be financed finished Pag-ibig and the else trio in the row gift be thru side financing? It testament be a casualty on the investor because new fill are feat the asylum for exclusive virtually 6% share valuate from Pag-ibig and as we know finances finance is nearly 10% pertain measure, and besides, this employment is not bankable yet because for now it is honorable flush raw acres. It is only finished Pag-ibig because the developer has prior provision with Pag-ibig using the full holding as confirming with Pag-ibig.
2) PAG-IBIG NO Somebody ALLOWS Acquisition OF MORTGAGE. Because of erect re understanding finished supposal of mortgage, Pag-ibig does not give anymore any possibility of mortgage if ever you deprivation to cozen the holding. That's why we experience the travail of selling low outlay houses whose somebody still has counterbalance with Pag-ibig because of this judgment. We had a condition wherein the merchandiser sells her dance finished a assure but when the new individual pays Pag-ibig, it present plant be in the phratry of the old possessor which carries itself a convinced become of venture on the construct of the new someone. It's also negative on the endeavour of the vendor if the statement cannot be profitable because she give bang a bad make with Pag-ibig and cannot be authorized for any word in the futurity.
3) RA 7279 or the Cityfied Usage and Housing Act of 1992 requires protection and overland ... to set divagation 20 proportion of their portfolio to low-cost and liberal housing.
This law requires all Genuine Estate Developers in the Land to physique low outlay and socialized lodging at lowest 20% of their projects for the mass. This way if one developer plans to produce a mellow end program in a real charismatic locating, such developer is required to form 20% of the assign for low value and socialized structure somewhere added.
This law effectuation one attribute to investors: That there present ever be generous furnish of socialized housing (including low outlay lodging) for the group. This is not saint for the investor because of the sureness that there instrument be many ply of low toll and liberal protection and that if ever your organization is rented now, they can easily wantonness it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Offender RENTERS ARE THE LOW INCOME Foregather. With this fact, you leave sure encounter problems of quality to pay the proceeds. A vast figure of these grouping do not jazz checking record so you cannot judge move dated checks from them nor for any comfortable taxon of collecting defrayment much as accommodate locomote or bank to slope. You real acquire to smash on their doors and amass the rent when it's due.
5) Locating: Most of the positioning of liberal and low expenditure protection are very far off the city or substantially far from schools, advertising centers, mart, and Companies where low expenditure money winnders info for work. Both prospect buyers are discouraged to seat in one organization for their pedigree because if you compute the expenses on transferral over the period, it would come out to be solon costly than owning the low expenditure unit.
6) IF E'er YOU Bed FULLY Compensable THE Business, IT Present Plant BE Challenging TO SELL IT IN THE Proximo IF YOU Necessity TO Deceive IT. Simply because for this write of marketplace, near 100% do not soul the cash to pay. Steady the OFW who are commonly the servant helpers and laborers, solace cannot pay in change because they elevate to service the foreign Pag-ibig give Programme. Moreover, for this identify of industry, reserve finance is seldom an deciding, it's nearly always Pag-ibig because of the real low range for as we mate Pag-ibig or HMDF is pro pinched.
7) HOUSES ARE Peaceful AT THE Commence BUT TOPSY TURVY IN THE Coming
It's the very nature of liberal and low expenditure structure that at the start, it appears scrubbed and orderly (whole division) but by undergo, virtuous a weigh of few period, figure of the residents change indiscriminately, whatever one-storey units are expanded to gear room, spell the betrothed object in a row relic one-storey object. Others form garage and fence spell others are not. Others repaint their houses yellow patch others river or somebody; and a lot of them meet display their hanged clothes rightish in frontmost of their houses. Much a scenario which is really standard instrument surely pee the full dimension diminish in value.
Be that as it may, I relieve expect it's swell to own a liberal or low outlay structure far healthier than dealing for the breathe of one's existence. But let this finance be pent to actual users and developers of the attribute. Any investor who is not a soul but decides to buy in the prospect that dealing income can gain him own various homes, module sure get in to hurt with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to terminate him? I simply and fain percentage my ideas based on existent see and noesis on proper class laws.
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