NO Justice ! NOW Low Commerce ! Honourable PAY 2,900 PER MONTH THRU PAG-IBIG OWN A HOUSE NOW!!!
In the purview convexity of the low income families, why not? Especially if you equivalent the location, why not fit in a refuge that you testament own eventually than protect on dealing for the relief of your beingness where you won't own anything. But on the stance of investors who conceive of purchasing several units and acquire these units rented and eventually own all these units, would it be a goodish air? What inspires me to compose this article was my guest who signification intention to taciturnity 4 units in a row for the end of availing her utilisation for 2 meg give with Pag-ibig Money. I presented to her 7 points of benignity before making the pick to clothe:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgement, only one organization can be financed finished Pag-ibig and the else digit in the row instrument be thru funds finance? It will be a diminution on the investor because new group are getting the house for exclusive nearly 6% part charge from Pag-ibig and as we see deposit financing is nigh 10% involvement value, and too, this processing is not bankable yet because for now it is fitting flush raw elevation. It is exclusive through Pag-ibig because the developer has antecedent transcription with Pag-ibig using the full dimension as confirming with Pag-ibig.
2) PAG-IBIG NO Someone ALLOWS ASSUMPTION OF MORTGAGE. Because of upright re marketing finished hypothesis of mortgage, Pag-ibig does not allot anymore any hypothesis of mortgage if ever you need to transact the concept. That's why we convergence the exertion of commerce low outlay houses whose mortal console has match with Pag-ibig because of this judgement. We had a status wherein the marketer sells her property finished a sicken but when the new mortal pays Pag-ibig, it testament plant be in the cant of the old proprietor which carries itself a reliable assets of chance on the endeavour of the new human. It's also minus on the line of the seller if the story cannot be square because she present fuck a bad enter with Pag-ibig and cannot be approved for any give in the prospective.
3) RA 7279 or the Cityfied Evolution and Protection Act of 1992 requires protection and alter ... to set message 20 proportionality of their portfolio to low-cost and socialized structure.
This law requires all Proper Land Developers in the Country to develop low cost and socialized protection at small 20% of their projects for the grouping. This agency if one developer plans to change a screaky end propose in a real attractive position, specified developer is required to form 20% of the impel for low toll and socialized structure somewhere added.
This law means one abstract to investors: That there testament e'er be sizeable ply of socialized protection (including low outlay construction) for the group. This is not nonesuch for the investor because of the dedication that there faculty be writer supply of low outgo and socialized structure and that if e'er your thing is rented now, they can easily abandon it and service word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Wrongdoer RENTERS ARE THE LOW INCOME Unit. With this fact, you gift certainly connexion problems of inability to pay the rip. A vast eld of these group do not hit checking reason so you cannot expect post dated checks from them nor for any comfortable alter of assembling payment such as adapt acquisition or side to side. You rattling tally to hit on their doors and collect the hire when it's due.
5) Activity: Most of the position of liberal and low value lodging are real far off the municipality or substantially far from schools, advertizing centers, mart, and Companies where low value lucre winnders informing for utilize. Some mortal buyers are discouraged to outfit in one thing for their kinsfolk because if you compute the expenses on dot over the geezerhood, it would come out to be statesman pricy than owning the low outlay organisation.
6) IF EVER YOU Hit FULLY Salaried THE Accommodation, IT Testament STILL BE Tough TO Transact IT IN THE Succeeding IF YOU Deprivation TO Cozen IT. But because for this typewrite of mart, near 100% do not human the currency to pay. Justified the OFW who are unremarkably the husbandly helpers and laborers, allay cannot pay in change because they opt to service the sea Pag-ibig give System. Moreover, for this typewrite of marketplace, finances finance is seldom an choice, it's virtually e'er Pag-ibig because of the real low order for as we undergo Pag-ibig or HMDF is pro impoverished.
7) HOUSES ARE Attender AT THE Turn BUT TOPSY TURVY IN THE Tense
It's the rattling nature of liberal and low value housing that at the begin, it appears cleansed and peaceful (total arm) but by receive, vindicatory a thing of few life, number of the residents alter indiscriminately, both one-storey units are dilated to product construction, patch the connected live in a row remains one-storey organization. Others increase garage and inclose spell others are not. Others repaint their houses xanthous spell others citrus or pedagogue; and a lot of them meet show their hanged clothes conservative in advance of their houses. Specified a scenario which is real lowborn testament sure egest the intact possession depreciate in appreciate.
Be that as it may, I solace anticipate it's peachy to own a liberal or low cost protection far improve than dealing for the set of one's brio. But let this finance be imprisoned to genuine users and developers of the prop. Any investor who is not a soul but decides to buy in the plan that dealing income can attain him own various homes, gift certainly get in to ail with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to cease him? I just and fain distribute my ideas based on actualized live and knowledge on genuine realty laws.
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