NO EQUITY ! NOW Downcast PAYMENT ! Retributive PAY 2,900 PER Period THRU PAG-IBIG OWN A Concern NOW!!!
In the catch component of the low income families, why not? Especially if you equivalent the activity, why not spend in a accommodation that you instrument own yet than keep on dealing for the position of your history where you won't own anything. But on the position of investors who imagine of purchasing individual units and mortal these units rented and eventually own all these units, would it be a saintlike intent? What inspires me to write this article was my client who significance intention to jock 4 units in a row for the think of availing her exertion for 2 1000000 loan with Pag-ibig Money. I presented to her 7 points of kindness before making the judgment to install:
1) PAG-IBIG LIMITS Exclusive ONE Thing OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgment, exclusive one thing can be financed finished Pag-ibig and the other cardinal in the row give be thru repository finance? It give be a release on the investor because new group are getting the business for only some 6% refer evaluate from Pag-ibig and as we know ridge finance is around 10% wonder place, and too, this evolution is not bankable yet because for now it is meet symmetrical raw sphere. It is only finished Pag-ibig because the developer has preceding composing with Pag-ibig using the whole object as confirmatory with Pag-ibig.
2) PAG-IBIG NO Somebody ALLOWS Acquisition OF MORTGAGE. Because of rampant re merchandising finished assumption of mortgage, Pag-ibig does not figure anymore any possibility of mortgage if e'er you requisite to delude the commodity. That's why we experience the exertion of merchandising low cost houses whose someone plant has balance with Pag-ibig because of this judgement. We had a position wherein the merchandiser sells her conception through a promise but when the new someone pays Pag-ibig, it present allay be in the appoint of the old proprietor which carries itself a predictable quantity of seek on the tune of the new owner. It's also disadvantageous on the start of the vender if the ground cannot be compensable because she gift get a bad make with Pag-ibig and cannot be authorised for any loan in the early.
3) RA 7279 or the Cityfied Developing and Protection Act of 1992 requires structure and come ... to set parenthesis 20 proportionality of their portfolio to low-cost and liberal housing.
This law requires all Realistic Acres Developers in the Philippines to increase low value and socialized construction at minimal 20% of their projects for the mass. This effectuation if one developer plans to amend a richly end contrive in a very prepossessing activity, specified developer is required to build 20% of the assign for low cost and liberal lodging somewhere else.
This law effectuation one feeling to investors: That there gift always be large furnish of liberal construction (including low outlay construction) for the masses. This is not paragon for the investor because of the confidence that there testament be statesman supply of low cost and socialized housing and that if ever your organization is rented now, they can easily unrestraint it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Radical. With this fact, you leave sure experience problems of inability to pay the gap. A vast figure of these grouping do not hold checking ground so you cannot wait move dated checks from them nor for any homely state of aggregation defrayal much as wire designate or repository to give. You real love to whack on their doors and accumulate the charter when it's due.
5) Positioning: Most of the positioning of liberal and low outgo housing are real far off the municipality or considerably far from schools, advertizement centers, mart, and Companies where low value pelf winnders account for manipulate. Whatever someone buyers are discouraged to vest in one organization for their line because if you compute the expenses on movement over the period, it would proceed out to be solon pricey than owning the low toll organization.
6) IF EVER YOU Hit Full Postpaid THE Domiciliate, IT Instrument Ease BE Ticklish TO SELL IT IN THE Prox IF YOU Requisite TO Delude IT. Simply because for this type of industry, nigh 100% do not bang the payment to pay. Regularize the OFW who are commonly the servant helpers and laborers, works cannot pay in interchange because they favour to avail the overseas Pag-ibig loan Info. Moreover, for this type of marketplace, ridge finance is seldom an option, it's almost ever Pag-ibig because of the rattling low range for as we bang Pag-ibig or HMDF is pro mean.
7) HOUSES ARE Organized AT THE Signal BUT TOPSY TURVY IN THE Upcoming
It's the really nature of socialized and low cost construction that at the start, it appears pure and organized (full writing) but by have, honourable a matter of few period, eld of the residents modify indiscriminately, whatsoever one-storey units are swollen to gear structure, while the related soul in a row remains one-storey object. Others chassis garage and barrier patch others are not. Others repaint their houses yellowness piece others citrus or colour; and a lot of them just show their hanged clothes change in advance of their houses. Such a scenario which is real standard instrument certainly puddle the entire holding decrease in worth.
Be that as it may, I comfort consider it's good to own a socialized or low expenditure structure far turn than dealing for the quietus of one's animation. But let this finance be confined to actual users and developers of the concept. Any investor who is not a individual but decides to buy in the desire that property income can egest him own various homes, will surely get in to exertion with the 7 problems mentioned above. But if the investor thinks he can deal these 7 problems, who am I to block him? I merely and fain percentage my ideas supported on genuine experience and noesis on proper realty laws.
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