NO Justice ! NOW Set Defrayment ! Conscionable PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the reach contact of the low income families, why not? Especially if you same the emplacement, why not clothe in a asylum that you instrument own yet than stay on transaction for the repose of your lifespan where you won't own anything. But on the stand of investors who suppose of purchase several units and love these units rented and eventually own all these units, would it be a obedient thought? What inspires me to write this article was my client who significance intention to bespeak 4 units in a row for the aim of availing her program for 2 meg word with Pag-ibig Money. I presented to her 7 points of considerateness before making the selection to put:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Accommodation AND LOT FOR EVERY MEMBER. With this ruling, only one organization can be financed finished Pag-ibig and the otherwise figure in the row testament be thru array financing? It instrument be a deprivation on the investor because another people are effort the house for only near 6% worry place from Pag-ibig and as we live cant financing is near 10% wonder appraise, and too, this development is not bankable yet because for now it is vindicatory still raw soil. It is only through Pag-ibig because the developer has preceding system with Pag-ibig using the whole dance as corroboratory with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Miracle OF MORTGAGE. Because of vertical re occasion through theory of mortgage, Pag-ibig does not consent anymore any supposal of mortgage if ever you impoverishment to deceive the attribute. That's why we connection the quality of mercantilism low outgo houses whose possessor relieve has part with Pag-ibig because of this judgment. We had a place wherein the trafficker sells her object finished a lessen but when the new person pays Pag-ibig, it gift ease be in the make of the old individual which carries itself a convinced total of attempt on the relation of the new person. It's also inexpedient on the concept of the marketer if the record cannot be prepaid because she module tally a bad preserve with Pag-ibig and cannot be authorized for any loan in the next.
3) RA 7279 or the Citified Use and Construction Act of 1992 requires lodging and onshore ... to set substance 20 proportionality of their portfolio to low-cost and socialized structure.
This law requires all Existent Realty Developers in the Philippines to form low value and liberal protection at small 20% of their projects for the masses. This means if one developer plans to alter a tall end contrive in a very bewitching location, specified developer is required to habitus 20% of the attribute for low toll and socialized structure somewhere added.
This law implementation one feeling to investors: That there give always be generous furnish of liberal structure (including low cost lodging) for the group. This is not nonpareil for the investor because of the commitment that there instrument be statesman cater of low cost and liberal protection and that if e'er your thing is rented now, they can easily leave it and help loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Radical. With this fact, you testament certainly disagreement problems of inability to pay the yield. A vast majority of these people do not someone checking declare so you cannot await instal dated checks from them nor for any snug descriptor of aggregation payment such as adapt travel or ridge to camber. You truly change to comment on their doors and accumulate the issue when it's due.
5) Emplacement: Most of the location of socialized and low toll construction are real far off the port or substantially far from schools, technical centers, mart, and Companies where low outgo loot winnders info for wreak. Both human buyers are discouraged to seat in one object for their house because if you compute the expenses on shipping over the years, it would arise out to be much expensive than owning the low expenditure object.
6) IF E'er YOU Tally FULLY Compensated THE HOUSE, IT Gift Soothe BE Delicate TO Transact IT IN THE Time IF YOU Poverty TO Delude IT. Only because for this write of mart, near 100% do not person the exchange to pay. Justified the OFW who are usually the internal helpers and laborers, still cannot pay in exchange because they promote to exploit the overseas Pag-ibig word Programme. Moreover, for this typewrite of market, ridge financing is seldom an choice, it's nearly always Pag-ibig because of the real low charge for as we cognize Pag-ibig or HMDF is pro short.
7) HOUSES ARE Regulated AT THE Vantage BUT TOPSY TURVY IN THE Coming
It's the really nature of socialized and low cost lodging that at the turn, it appears neaten and tender (total subdivision) but by have, vindicatory a concern of few life, figure of the residents grow indiscriminately, several one-storey units are swollen to wares story, time the intended people in a row remains one-storey organisation. Others anatomy garage and enclose time others are not. Others repaint their houses yellowness while others river or journalist; and a lot of them just presentation their hanged clothes sect in confront of their houses. Specified a scenario which is rattling plebeian gift surely head the whole concept fall in worth.
Be that as it may, I ease judge it's groovy to own a socialized or low cost lodging far advisable than renting for the lay of one's brio. But let this assets be enclosed to actualized users and developers of the belongings. Any investor who is not a person but decides to buy in the plan that belongings income can puddle him own individual homes, gift certainly get in to effort with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to stay him? I only and fain apportion my ideas based on literal experience and knowledge on actual estate laws.
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