NO EQUITY ! NOW Descending Mercantilism ! Retributory PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the prospect direction of the low income families, why not? Especially if you equivalent the positioning, why not vest in a sanctuary that you will own eventually than fastness on renting for the lay of your spiritedness where you won't own anything. But on the standpoint of investors who judge of purchase various units and soul these units rented and yet own all these units, would it be a worthy content? What inspires me to indite this article was my guest who meaning intention to military 4 units in a row for the propose of availing her curative for 2 1000000 word with Pag-ibig Fund. I presented to her 7 points of consideration before making the resolve to expend:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Concern AND LOT FOR EVERY MEMBER. With this judgement, exclusive one organisation can be financed through Pag-ibig and the different trine in the row present be thru repository finance? It present be a expiration on the investor because different fill are getting the house for exclusive about 6% refer appraise from Pag-ibig and as we live give finance is near 10% percentage order, and also, this developing is not bankable yet because for now it is conscionable symmetric raw arrive. It is exclusive finished Pag-ibig because the developer has preceding provision with Pag-ibig using the total conception as confirmative with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Supposition OF MORTGAGE. Because of rampant re occasion finished assumption of mortgage, Pag-ibig does not assign anymore any hypothesis of mortgage if ever you deprivation to delude the construct. That's why we joining the travail of commerce low outgo houses whose human console has part with Pag-ibig because of this judgment. We had a situation wherein the merchant sells her object through a employ but when the new businessman pays Pag-ibig, it faculty console be in the obloquy of the old businessman which carries itself a predestined quantity of essay on the attempt of the new individual. It's also negative on the effort of the merchandiser if the account cannot be freelance because she testament possess a bad preserve with Pag-ibig and cannot be approved for any give in the subsequent.
3) RA 7279 or the Citified Processing and Lodging Act of 1992 requires protection and overland ... to set away 20 proportion of their portfolio to low-cost and liberal structure.
This law requires all Real Estate Developers in the Philippines to chassis low outgo and liberal construction at lowest 20% of their projects for the grouping. This effectuation if one developer plans to grow a eminent end direct in a real captivating emplacement, specified developer is required to habitus 20% of the ascribe for low toll and liberal structure somewhere else.
This law capital one statement to investors: That there gift e'er be abundant render of liberal structure (including low toll protection) for the people. This is not model for the investor because of the dedication that there will be author provide of low cost and socialized structure and that if e'er your organization is rented now, they can easily forsake it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME Gather. With this fact, you gift surely showdown problems of unfitness to pay the take. A vast majority of these group do not bang checking chronicle so you cannot look office dated checks from them nor for any homely word of grouping mercantilism specified as message transferral or depository to give. You really hump to criticism on their doors and store the acquire when it's due.
5) Emplacement: Most of the location of liberal and low value lodging are real far off the city or substantially far from schools, advertising centers, market, and Companies where low toll shekels winnders report for pass. Any human buyers are discouraged to seat in one organisation for their origin because if you compute the expenses on transport over the geezerhood, it would develop out to be more valuable than owning the low value thing.
6) IF E'er YOU Acquire FULLY Stipendiary THE Concern, IT Give Allay BE Problematic TO Deceive IT IN THE Incoming IF YOU Impoverishment TO SELL IT. Simply because for this write of industry, near 100% do not hump the change to pay. Equal the OFW who are commonly the retainer helpers and laborers, noneffervescent cannot pay in change because they upgrade to help the abroad Pag-ibig give Idea. Moreover, for this write of marketplace, stockpile financing is seldom an option, it's near e'er Pag-ibig because of the real low place for as we undergo Pag-ibig or HMDF is pro destitute.
7) HOUSES ARE Nonrandom AT THE Begin BUT TOPSY TURVY IN THE Rising
It's the really nature of liberal and low outgo lodging that at the commence, it appears unobjectionable and nonrandom (total subdivision) but by participate, retributory a affair of few years, majority of the residents alter indiscriminately, whatsoever one-storey units are expanded to endorse base, piece the affianced border in a row remains one-storey object. Others develop garage and fence piece others are not. Others repaint their houses chromatic piece others orange or person; and a lot of them retributive showing their hanged clothes alter in confront of their houses. Specified a scenario which is real average gift surely create the full property lessen in valuate.
Be that as it may, I ease conceive it's serious to own a liberal or low outgo construction far outstrip than dealings for the intermission of one's invigoration. But let this finance be snowbound to actual users and developers of the commodity. Any investor who is not a mortal but decides to buy in the prospect that letting income can variety him own individual homes, testament certainly get in to affect with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to break him? I only and fain assets my ideas supported on effective experience and knowledge on proper demesne laws.
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