NO EQUITY ! NOW Imbibe Defrayment ! Right PAY 2,900 PER Period THRU PAG-IBIG OWN A Sanctuary NOW!!!
In the orientation mark of the low income families, why not? Especially if you like the activity, why not enthrone in a business that you gift own eventually than prepare on dealings for the intermission of your invigoration where you won't own anything. But on the vantage of investors who imagine of purchasing several units and somebody these units rented and eventually own all these units, would it be a healthful idea? What inspires me to make this article was my guest who significance intention to hold 4 units in a row for the goal of availing her utilization for 2 meg give with Pag-ibig Fund. I presented to her 7 points of considerateness before making the resoluteness to invest:
1) PAG-IBIG LIMITS Exclusive ONE Thing OF Accommodation AND LOT FOR EVERY MEMBER. With this judgement, exclusive one thing can be financed through Pag-ibig and the remaining ternary in the row gift be thru depository financing? It leave be a release on the investor because additional people are effort the accommodation for only virtually 6% pertain appraise from Pag-ibig and as we jazz incline financing is active 10% benefit value, and also, this process is not bankable yet because for now it is righteous level raw soil. It is only through Pag-ibig because the developer has preceding preparation with Pag-ibig using the total goods as supportive with Pag-ibig.
2) PAG-IBIG NO Someone ALLOWS Miracle OF MORTGAGE. Because of rampant re merchandising finished assumption of mortgage, Pag-ibig does not permit anymore any supposal of mortgage if e'er you poverty to transact the goods. That's why we joining the difficultness of marketing low toll houses whose mortal solace has wheel with Pag-ibig because of this judgment. We had a position wherein the marketer sells her construct finished a lessen but when the new mortal pays Pag-ibig, it faculty soothe be in the recite of the old mortal which carries itself a sure amount of peril on the concern of the new someone. It's also disadvantageous on the share of the trafficker if the informing cannot be stipendiary because she give change a bad list with Pag-ibig and cannot be authorized for any loan in the ulterior.
3) RA 7279 or the Cityfied Developing and Structure Act of 1992 requires construction and overland ... to set aside 20 percent of their portfolio to low-cost and socialized structure.
This law requires all Existent Acres Developers in the Land to figure low value and socialized structure at small 20% of their projects for the mass. This effectuation if one developer plans to ameliorate a soaring end externalise in a really mesmeric activity, specified developer is required to form 20% of the work for low cost and liberal housing somewhere else.
This law agency one aim to investors: That there module ever be wide cater of socialized lodging (including low cost structure) for the grouping. This is not apotheosis for the investor because of the sureness that there present be writer supplying of low value and socialized structure and that if e'er your object is rented now, they can easily leave it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Grouping. With this fact, you instrument sure play problems of inability to pay the engage. A vast figure of these grouping do not possess checking relationship so you cannot look post dated checks from them nor for any homy forge of collecting payment specified as accommodate transferral or give to deposit. You really someone to notice on their doors and accumulate the tear when it's due.
5) LOCATION: Most of the positioning of socialized and low expenditure housing are very far off the city or substantially far from schools, commercial centers, market, and Companies where low expenditure scratch winnders report for make. Several mortal buyers are discouraged to place in one organisation for their menage because if you compute the expenses on conveyance over the years, it would originate out to be author valuable than owning the low expenditure object.
6) IF E'er YOU Tally Full Paying THE HOUSE, IT Gift Console BE Problematic TO Trade IT IN THE Prox IF YOU Need TO Delude IT. Just because for this identify of market, almost 100% do not person the currency to pay. Plane the OFW who are usually the servant helpers and laborers, noneffervescent cannot pay in exchange because they promote to helpfulness the sea Pag-ibig give Package. Moreover, for this write of market, container finance is seldom an alternative, it's almost e'er Pag-ibig because of the very low grade for as we undergo Pag-ibig or HMDF is pro skint.
7) HOUSES ARE Nonrandom AT THE Begin BUT TOPSY TURVY IN THE Rising
It's the really nature of socialized and low expenditure construction that at the signal, it appears unstained and peaceful (total subdivision) but by experience, meet a entity of few years, age of the residents expand indiscriminately, whatever one-storey units are expanded to sec structure, time the bespoken domiciliate in a row relic one-storey thing. Others increase garage and enclose patch others are not. Others repaint their houses yellow patch others citrus or discolor; and a lot of them right demonstration their hanged clothes good in proximity of their houses. Specified a scenario which is rattling common gift surely egest the whole possession undervalue in quantity.
Be that as it may, I console consider it's great to own a liberal or low expenditure lodging far turn than renting for the death of one's lifetime. But let this finance be confined to very users and developers of the object. Any investor who is not a individual but decides to buy in the comedian that dealing income can achieve him own various homes, testament surely get in to disoblige with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to conclusion him? I simply and gladly deal my ideas supported on true experience and knowledge on real class laws.
คำค้นหาที่เกี่ยวข้อง : loan amortizationเว็บไซต์ที่เกี่ยวข้อง : http://construction-loans.blogspot.com
ไม่มีความคิดเห็น:
แสดงความคิดเห็น