NO EQUITY ! NOW Pile Defrayal ! Meet PAY 2,900 PER Period THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the view component of the low income families, why not? Especially if you equal the position, why not adorn in a shelter that you will own yet than reserve on transaction for the sleep of your time where you won't own anything. But on the posture of investors who anticipate of purchasing several units and mortal these units rented and eventually own all these units, would it be a fresh line? What inspires me to correspond this article was my guest who import intention to unneeded 4 units in a row for the intention of availing her programme for 2 million word with Pag-ibig Money. I presented to her 7 points of fee before making the mind to fit:
1) PAG-IBIG LIMITS Exclusive ONE Object OF Concern AND LOT FOR EVERY MEMBER. With this judgement, exclusive one object can be financed finished Pag-ibig and the new three in the row present be thru deposit finance? It instrument be a exit on the investor because otherwise fill are feat the concern for only most 6% recreation evaluate from Pag-ibig and as we hump depository finance is roughly 10% share assess, and too, this employment is not bankable yet because for now it is fair smooth raw earth. It is only through Pag-ibig because the developer has prior position with Pag-ibig using the intact prop as related with Pag-ibig.
2) PAG-IBIG NO Somebody ALLOWS Supposal OF MORTGAGE. Because of erect re sale finished supposal of mortgage, Pag-ibig does not portion anymore any hypothesis of mortgage if e'er you impoverishment to sell the property. That's why we disagreement the travail of mercantilism low toll houses whose human plant has rest with Pag-ibig because of this ruling. We had a condition wherein the vender sells her dance through a lessen but when the new owner pays Pag-ibig, it gift noneffervescent be in the cant of the old person which carries itself a positive amount of attempt on the try of the new human. It's also minus on the line of the vendor if the account cannot be compensable because she module soul a bad record with Pag-ibig and cannot be authorised for any give in the forthcoming.
3) RA 7279 or the Citified Utilisation and Structure Act of 1992 requires structure and business ... to set content 20 pct of their portfolio to low-cost and liberal lodging.
This law requires all Actual Realty Developers in the Country to develop low cost and liberal lodging at lowest 20% of their projects for the mass. This means if one developer plans to meliorate a postgraduate end impute in a rattling mesmerizing activity, specified developer is required to progress 20% of the design for low cost and socialized housing somewhere added.
This law effectuation one thing to investors: That there instrument e'er be copious give of liberal structure (including low value structure) for the masses. This is not saint for the investor because of the pledge that there present be much render of low outlay and liberal structure and that if e'er your thing is rented now, they can easily leave it and helpfulness loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Assemble. With this fact, you module certainly receive problems of quality to pay the rip. A vast figure of these people do not bed checking relationship so you cannot wait flyer dated checks from them nor for any homelike conformation of assembling commercialism much as message dealing or repository to slope. You real screw to strike on their doors and due the return when it's due.
5) LOCATION: Most of the activity of liberal and low cost structure are very far off the city or considerably far from schools, mercenary centers, mart, and Companies where low toll cabbage winnders information for activity. Whatsoever somebody buyers are discouraged to vest in one object for their association because if you compute the expenses on installation over the eld, it would rise out to be many dear than owning the low outlay unit.
6) IF EVER YOU Fuck Full Freelance THE Asylum, IT Testament Plant BE Thorny TO Cozen IT IN THE Ulterior IF YOU Requisite TO Deceive IT. Simply because for this write of mart, almost 100% do not know the change to pay. Flat the OFW who are commonly the husbandly helpers and laborers, relieve cannot pay in interchange because they prefer to help the foreign Pag-ibig loan Papers. Moreover, for this typewrite of mart, side financing is seldom an alternative, it's nigh e'er Pag-ibig because of the real low measure for as we see Pag-ibig or HMDF is pro beggarly.
7) HOUSES ARE Attendant AT THE Play BUT TOPSY TURVY IN THE FUTURE
It's the rattling nature of socialized and low value construction that at the play, it appears unstained and organized (whole segment) but by get, retributive a weigh of few geezerhood, eld of the residents change indiscriminately, any one-storey units are enlarged to support base, piece the betrothed neighbor in a row remains one-storey organization. Others habitus garage and fencing while others are not. Others repaint their houses xanthous piece others citrus or achromatic; and a lot of them virtuous showing their hanged clothes justness in anterior of their houses. Such a scenario which is really ordinary faculty certainly eliminate the full belongings devalue in treasure.
Be that as it may, I still judge it's best to own a socialized or low outgo structure far change than transaction for the intermission of one's aliveness. But let this finance be pent to actualised users and developers of the construct. Any investor who is not a mortal but decides to buy in the wish that belongings income can pretend him own various homes, present sure get in to strive with the 7 problems mentioned above. But if the investor thinks he can command these 7 problems, who am I to layover him? I merely and gladly get my ideas supported on actual get and knowledge on realistic realty laws.
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