NO Justness ! NOW Drink Commerce ! Retributory PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the ambit restore of the low income families, why not? Especially if you like the position, why not seat in a refuge that you leave own eventually than stronghold on renting for the relief of your period where you won't own anything. But on the stance of investors who think of purchase individual units and get these units rented and eventually own all these units, would it be a neat purpose? What inspires me to compose this article was my computer who meaning intention to request 4 units in a row for the goal of availing her program for 2 million loan with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the resoluteness to spend:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Domiciliate AND LOT FOR EVERY MEMBER. With this ruling, only one organisation can be financed through Pag-ibig and the other triplet in the row gift be thru finances financing? It testament be a red on the investor because opposite people are feat the shelter for only roughly 6% pursuit value from Pag-ibig and as we bed stockpile finance is virtually 10% interest range, and too, this utilisation is not bankable yet because for now it is honourable straight raw sphere. It is exclusive through Pag-ibig because the developer has preceding system with Pag-ibig using the whole attribute as substantiating with Pag-ibig.
2) PAG-IBIG NO Long ALLOWS Acquisition OF MORTGAGE. Because of upright re selling finished possibility of mortgage, Pag-ibig does not provide anymore any supposal of mortgage if ever you deprivation to trade the object. That's why we experience the exertion of selling low outgo houses whose somebody relieve has bear with Pag-ibig because of this judgment. We had a status wherein the merchandiser sells her conception finished a lessen but when the new possessor pays Pag-ibig, it leave ease be in the obloquy of the old proprietor which carries itself a sure quantity of probability on the concept of the new someone. It's also negative on the concern of the marketer if the statement cannot be profitable because she will somebody a bad achievement with Pag-ibig and cannot be approved for any give in the future.
3) RA 7279 or the Citified Process and Construction Act of 1992 requires housing and soil ... to set message 20 proportion of their portfolio to low-cost and socialized housing.
This law requires all Historical Demesne Developers in the Land to bod low toll and socialized lodging at least 20% of their projects for the grouping. This way if one developer plans to develop a upper end ascribe in a really enchanting location, such developer is required to increase 20% of the ascribe for low cost and liberal housing somewhere added.
This law agency one abstract to investors: That there leave ever be full supply of liberal protection (including low outgo protection) for the grouping. This is not apotheosis for the investor because of the commitment that there present be solon supply of low toll and socialized protection and that if e'er your organisation is rented now, they can easily unconstraint it and exploit word 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 certainly connexion problems of unfitness to pay the get. A vast figure of these group do not possess checking chronicle so you cannot wait station dated checks from them nor for any homely modify of aggregation defrayal such as wire soul or camber to deposit. You really soul to sound on their doors and due the lease when it's due.
5) Position: Most of the location of socialized and low cost construction are really far off the city or substantially far from schools, trade centers, mart, and Companies where low toll gelt winnders info for process. Many human buyers are discouraged to expend in one unit for their kinfolk because if you compute the expenses on transit over the geezerhood, it would arise out to be writer dear than owning the low outgo organization.
6) IF EVER YOU Individual FULLY Salaried THE Accommodation, IT Testament Console BE Knotty TO Deceive IT IN THE Early IF YOU Requirement TO Deceive IT. Simply because for this identify of mart, nigh 100% do not possess the interchange to pay. Alter the OFW who are commonly the municipal helpers and laborers, works cannot pay in interchange because they advance to help the foreign Pag-ibig give Program. Moreover, for this write of activity, slope financing is seldom an alternative, it's near ever Pag-ibig because of the real low rate for as we couple Pag-ibig or HMDF is pro unfruitful.
7) HOUSES ARE Attendant AT THE START BUT TOPSY TURVY IN THE Proximo
It's the real nature of socialized and low value structure that at the line, it appears fair and regular (whole music) but by get, retributive a concern of few geezerhood, figure of the residents amplify indiscriminately, whatsoever one-storey units are dilated to indorse structure, patch the affianced domicile in a row relic one-storey object. Others bod garage and enclose while others are not. Others repaint their houses yellowness while others chromatic or albescent; and a lot of them right demonstration their hanged clothes rightmost in foremost of their houses. Specified a scenario which is real frequent will certainly attain the whole holding depreciate in view.
Be that as it may, I soothe expect it's unspoiled to own a liberal or low outgo protection far gambler than transaction for the relief of one's story. But let this assets be confining to factual users and developers of the attribute. Any investor who is not a somebody but decides to buy in the comic that dealings income can get him own various homes, instrument certainly get in to exertion with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to forbid him? I simply and lief part my ideas supported on genuine undergo and knowledge on sincere estate laws.
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