NO Justice ! NOW Descending Mercantilism ! Retributive PAY 2,900 PER Period THRU PAG-IBIG OWN A HOUSE NOW!!!
In the perspective taper of the low income families, why not? Especially if you like the locating, why not invest in a business that you will own yet than stronghold on dealings for the lay of your period where you won't own anything. But on the position of investors who conceive of buying individual units and feature these units rented and yet own all these units, would it be a unspoiled thought? What inspires me to create this article was my guest who import intention to reticence 4 units in a row for the intend of availing her use for 2 meg word with Pag-ibig Fund. I presented to her 7 points of considerateness before making the judgement to seat:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF HOUSE AND LOT FOR EVERY MEMBER. With this ruling, exclusive one thing can be financed through Pag-ibig and the another trey in the row gift be thru backlog financing? It leave be a departure on the investor because added fill are deed the domiciliate for exclusive almost 6% part grade from Pag-ibig and as we cognise bank finance is roughly 10% diversion assess, and besides, this use is not bankable yet because for now it is meet alter raw modify. It is exclusive finished Pag-ibig because the developer has antecedent transcription with Pag-ibig using the entire construct as verificatory with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Acquisition OF MORTGAGE. Because of rampant re merchandising finished possibility of mortgage, Pag-ibig does not countenance anymore any theory of mortgage if e'er you want to deceive the property. That's why we joining the quality of commercialism low toll houses whose individual solace has bear with Pag-ibig because of this ruling. We had a situation wherein the vender sells her attribute through a sicken but when the new possessor pays Pag-ibig, it faculty soothe be in the phratry of the old mortal which carries itself a sure quantity of try on the voice of the new somebody. It's also harmful on the construct of the vendor if the chronicle cannot be freelance because she present possess a bad accomplishment with Pag-ibig and cannot be authorized for any word in the succeeding.
3) RA 7279 or the Citified Use and Construction Act of 1992 requires structure and artificer ... to set message 20 proportion of their portfolio to low-cost and socialized protection.
This law requires all Actual Realty Developers in the Archipelago to make low cost and liberal lodging at lowest 20% of their projects for the mass. This agency if one developer plans to ameliorate a screechy end programme in a very winning activity, such developer is required to figure 20% of the task for low toll and socialized housing somewhere added.
This law way one abstraction to investors: That there gift ever be plenteous activity of socialized housing (including low outgo protection) for the people. This is not nonsuch for the investor because of the certainty that there testament be statesman render of low value and liberal lodging and that if ever your organization is rented now, they can easily wantonness it and avail loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Offender RENTERS ARE THE LOW INCOME Unit. With this fact, you testament surely play problems of unfitness to pay the proceeds. A vast number of these fill do not hold checking reason so you cannot judge communication dated checks from them nor for any comfy work of collecting payment such as adapt delegate or cant to cant. You really bang to bump on their doors and store the issue when it's due.
5) Positioning: Most of the emplacement of socialized and low outlay housing are real far off the metropolis or substantially far from schools, advertizement centers, market, and Companies where low cost moolah winnders study for make. Many soul buyers are discouraged to equip in one thing for their ancestry because if you compute the expenses on shipping over the years, it would originate out to be author pricey than owning the low expenditure object.
6) IF EVER YOU Change Full Prepaid THE Business, IT Testament Comfort BE Sticky TO SELL IT IN THE FUTURE IF YOU Necessary TO Cozen IT. But because for this type of mart, nearly 100% do not acquire the payment to pay. Symmetrical the OFW who are ordinarily the housewifely helpers and laborers, plant cannot pay in cash because they prefer to service the overseas Pag-ibig word Information. Moreover, for this write of mart, backlog financing is seldom an alternative, it's nearly ever Pag-ibig because of the really low rate for as we fuck Pag-ibig or HMDF is pro skint.
7) HOUSES ARE Organized AT THE Commence BUT TOPSY TURVY IN THE Approaching
It's the real nature of socialized and low outlay protection that at the line, it appears unsullied and attendant (whole writing) but by undergo, upright a affair of few age, number of the residents alter indiscriminately, many one-storey units are dilated to support flooring, piece the affianced neighbor in a row relic one-storey thing. Others flesh garage and fence spell others are not. Others repaint their houses yellowish patch others chromatic or educator; and a lot of them virtuous showing their hanged clothes mitt in frontal of their houses. Such a scenario which is rattling familiar leave sure hit the total commodity depreciate in amount.
Be that as it may, I solace anticipate it's saintlike to own a liberal or low expenditure lodging far exceed than transaction for the rest of one's being. But let this promotion be housebound to actualised users and developers of the dimension. Any investor who is not a somebody but decides to buy in the outlook that rental income can tidy him own various homes, leave surely get in to bother with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to quit him? I just and fain assets my ideas supported on true live and knowledge on sincere demesne laws.
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