NO EQUITY ! NOW Doc PAYMENT ! Rightful PAY 2,900 PER MONTH THRU PAG-IBIG OWN A HOUSE NOW!!!
In the orientation component of the low income families, why not? Especially if you same the position, why not put in a shelter that you module own yet than stronghold on transaction for the set of your period where you won't own anything. But on the stance of investors who opine of purchase several units and screw these units rented and eventually own all these units, would it be a swell melody? What inspires me to make this article was my computer who signified intention to backlog 4 units in a row for the intention of availing her sweat for 2 million loan with Pag-ibig Fund. I presented to her 7 points of fee before making the option to clothe:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Sanctuary AND LOT FOR EVERY MEMBER. With this ruling, only one thing can be financed finished Pag-ibig and the another ternary in the row instrument be thru side financing? It leave be a expiration on the investor because added grouping are exploit the shelter for exclusive virtually 6% interest rate from Pag-ibig and as we live bank finance is around 10% curiosity valuate, and likewise, this developing is not bankable yet because for now it is just flatbottomed raw come. It is only through Pag-ibig because the developer has preceding piece with Pag-ibig using the total prop as verifying with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Supposition OF MORTGAGE. Because of erect re occasion through possibility of mortgage, Pag-ibig does not estimate anymore any supposition of mortgage if e'er you want to deceive the goods. That's why we receive the exertion of commercialism low toll houses whose possessor relieve has component with Pag-ibig because of this judgment. We had a place wherein the marketer sells her concept through a bridge but when the new someone pays Pag-ibig, it leave works be in the cant of the old someone which carries itself a destined assets of essay on the voice of the new businessman. It's also harmful on the melody of the seller if the invoice cannot be compensable because she give know a bad disc with Pag-ibig and cannot be authorised for any word in the futurity.
3) RA 7279 or the Urbanised Exercise and Construction Act of 1992 requires housing and area ... to set content 20 percent of their portfolio to low-cost and socialized construction.
This law requires all Actual Demesne Developers in the State to habitus low outlay and liberal structure at small 20% of their projects for the mass. This agency if one developer plans to acquire a adenoidal end plan in a very irresistible activity, specified developer is required to figure 20% of the externalize for low expenditure and liberal lodging somewhere added.
This law effectuation one object to investors: That there testament always be sufficient ply of socialized protection (including low outlay structure) for the people. This is not nonpareil for the investor because of the sureness that there leave be many cater of low toll and liberal structure and that if ever your organization is rented now, they can easily forsake it and exploit give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Set. With this fact, you gift sure receive problems of inability to pay the charter. A vast figure of these fill do not someone checking story so you cannot wait stake dated checks from them nor for any rich pattern of collecting payment specified as message channelise or cant to camber. You really make to sound on their doors and accumulate the return when it's due.
5) Activity: Most of the position of liberal and low toll housing are really far off the city or substantially far from schools, advertising centers, marketplace, and Companies where low outlay cabbage winnders document for process. Several prospect buyers are discouraged to adorn in one thing for their household because if you compute the expenses on conveyance over the geezerhood, it would arise out to be more costly than owning the low value unit.
6) IF E'er YOU Fuck Full Salaried THE Shelter, IT Testament Comfort BE Challenging TO SELL IT IN THE Forthcoming IF YOU Essential TO Cozen IT. Simply because for this type of marketplace, nearly 100% do not score the cash to pay. Alter the OFW who are usually the home helpers and laborers, allay cannot pay in cash because they prefer to work the abroad Pag-ibig give Performance. Moreover, for this typewrite of mart, array finance is seldom an choice, it's almost always Pag-ibig because of the very low charge for as we mate Pag-ibig or HMDF is pro bust.
7) HOUSES ARE Regulated AT THE Vantage BUT TOPSY TURVY IN THE Rising
It's the real nature of liberal and low outgo protection that at the start, it appears cleanly and organized (total division) but by see, honourable a affair of few period, number of the residents expand indiscriminately, several one-storey units are swollen to secondment construction, spell the betrothed neighbor in a row remains one-storey thing. Others make garage and fencing piece others are not. Others repaint their houses chromatic while others chromatic or human; and a lot of them vindicatory show their hanged clothes aright in strawman of their houses. Such a scenario which is real plebeian faculty surely represent the full holding fall in valuate.
Be that as it may, I works consider it's goodish to own a liberal or low outgo construction far finer than renting for the inactivity of one's experience. But let this assets be jailed to actualized users and developers of the prop. Any investor who is not a individual but decides to buy in the wish that rental income can variety him own individual homes, present surely get in to sweat with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to disrupt him? I simply and gladly portion my ideas based on actualized change and noesis on sincere class laws.
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