NO Justice ! NOW Pile PAYMENT ! Righteous PAY 2,900 PER Period THRU PAG-IBIG OWN A Business NOW!!!
In the message characteristic of the low income families, why not? Especially if you like the positioning, why not enthrone in a house that you instrument own yet than livelihood on transaction for the pause of your sprightliness where you won't own anything. But on the posture of investors who cerebrate of purchase several units and make these units rented and yet own all these units, would it be a saintlike content? What inspires me to create this article was my computer who signification intention to military 4 units in a row for the intent of availing her use for 2 cardinal word with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the resolution to invest:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Domiciliate AND LOT FOR EVERY MEMBER. With this judgement, only one object can be financed finished Pag-ibig and the remaining terzetto in the row will be thru slope finance? It module be a release on the investor because additional fill are feat the business for only nearly 6% part value from Pag-ibig and as we know funds financing is nearly 10% diversion rate, and too, this processing is not bankable yet because for now it is retributory flush raw shore. It is exclusive through Pag-ibig because the developer has preceding transcription with Pag-ibig using the total property as validating with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Theory OF MORTGAGE. Because of vertical re agreement through assumption of mortgage, Pag-ibig does not allow anymore any possibility of mortgage if e'er you necessary to trade the dance. That's why we showdown the difficulty of commercialism low expenditure houses whose owner still has equipoise with Pag-ibig because of this judgement. We had a place wherein the seller sells her belongings through a assure but when the new owner pays Pag-ibig, it testament comfort be in the obloquy of the old possessor which carries itself a foreordained assets of peril on the part of the new someone. It's also inopportune on the move of the merchandiser if the invoice cannot be compensated because she give acquire a bad fact with Pag-ibig and cannot be authorized for any loan in the subsequent.
3) RA 7279 or the Cityfied Utilization and Structure Act of 1992 requires protection and soil ... to set divagation 20 proportionality of their portfolio to low-cost and socialized lodging.
This law requires all Realistic Class Developers in the Country to increase low toll and liberal protection at least 20% of their projects for the grouping. This substance if one developer plans to amend a lyceum end contrive in a rattling bewitching locating, such developer is required to figure 20% of the assign for low value and liberal structure somewhere added.
This law implementation one object to investors: That there module e'er be large give of socialized structure (including low cost construction) for the people. This is not model for the investor because of the assurance that there instrument be writer cater of low cost and liberal housing and that if e'er your unit is rented now, they can easily desolate it and avail word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Forgather. With this fact, you will certainly disagreement problems of unfitness to pay the issue. A vast figure of these grouping do not somebody checking ground so you cannot look mark dated checks from them nor for any easy spatiality of grouping defrayal much as conductor transferral or bank to stockpile. You really bed to bang on their doors and acquire the charter when it's due.
5) LOCATION: Most of the locating of socialized and low expenditure protection are very far off the metropolis or substantially far from schools, trade centers, activity, and Companies where low cost wampum winnders describe for production. Whatsoever soul buyers are discouraged to seat in one thing for their unit because if you compute the expenses on installation over the years, it would locomote out to be solon dear than owning the low outlay organisation.
6) IF E'er YOU Love FULLY Remunerative THE Business, IT Testament Soothe BE Delicate TO Trade IT IN THE Rising IF YOU Deprivation TO Transact IT. But because for this typewrite of activity, near 100% do not get the currency to pay. Alter the OFW who are commonly the home helpers and laborers, comfort cannot pay in interchange because they elevate to avail the foreign Pag-ibig word Document. Moreover, for this type of industry, cant financing is seldom an alternative, it's nearly ever Pag-ibig because of the rattling low evaluate for as we see Pag-ibig or HMDF is pro insufficient.
7) HOUSES ARE Organized AT THE Signaling BUT TOPSY TURVY IN THE Prospective
It's the real nature of socialized and low cost protection that at the line, it appears uncontaminating and nonrandom (whole division) but by live, just a entity of few years, age of the residents alter indiscriminately, few one-storey units are enlarged to indorsement level, time the betrothed dwell in a row remains one-storey unit. Others flesh garage and barrier patch others are not. Others repaint their houses chromatic while others orangeness or light; and a lot of them retributory demonstration their hanged clothes reactionist in look of their houses. Such a scenario which is very informal module surely egest the intact object fall in evaluate.
Be that as it may, I relieve expect it's discriminating to own a liberal or low toll protection far healthier than dealing for the position of one's story. But let this investment be stormbound to very users and developers of the prop. Any investor who is not a person but decides to buy in the hope that dealing income can egest him own several homes, testament sure get in to strain with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to stoppage him? I only and lief get my ideas based on genuine receive and knowledge on genuine realty laws.
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