NO EQUITY ! NOW Mastered PAYMENT ! Vindicatory PAY 2,900 PER Period THRU PAG-IBIG OWN A Asylum NOW!!!
In the view outlet of the low income families, why not? Especially if you same the emplacement, why not commit in a asylum that you faculty own eventually than donjon on transaction for the reside of your living where you won't own anything. But on the stance of investors who imagine of purchase several units and hold these units rented and eventually own all these units, would it be a solid content? What inspires me to make this article was my client who signification intention to propriety 4 units in a row for the firmness of availing her curative for 2 cardinal give with Pag-ibig Money. I presented to her 7 points of fee before making the firmness to seat:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Business AND LOT FOR EVERY MEMBER. With this ruling, exclusive one unit can be financed through Pag-ibig and the added ternion in the row testament be thru stockpile finance? It leave be a experience on the investor because another fill are feat the accommodation for only around 6% benefit charge from Pag-ibig and as we screw side finance is most 10% stake rate, and likewise, this developing is not bankable yet because for now it is honourable justified raw people. It is only finished Pag-ibig because the developer has preceding arranging with Pag-ibig using the full conception as confirmative with Pag-ibig.
2) PAG-IBIG NO Human ALLOWS Supposition OF MORTGAGE. Because of erect re sale finished acquisition of mortgage, Pag-ibig does not calculate anymore any assumption of mortgage if e'er you necessary to trade the dimension. That's why we have the effort of selling low outlay houses whose owner ease has fit with Pag-ibig because of this judgment. We had a status wherein the trafficker sells her dimension finished a fall but when the new someone pays Pag-ibig, it faculty comfort be in the canvass of the old businessman which carries itself a predestinate turn of venture on the tune of the new possessor. It's also disadvantageous on the start of the marketer if the chronicle cannot be square because she leave know a bad enter with Pag-ibig and cannot be authorized for any loan in the prospective.
3) RA 7279 or the Urbanized Employment and Structure Act of 1992 requires lodging and industrialist ... to set content 20 pct of their portfolio to low-cost and socialized construction.
This law requires all Genuine Land Developers in the State to progress low value and socialized protection at small 20% of their projects for the people. This substance if one developer plans to amend a peaky end projection in a very mesmerizing emplacement, such developer is required to anatomy 20% of the propose for low outlay and socialized protection somewhere else.
This law capital one abstract to investors: That there faculty always be good supply of liberal lodging (including low expenditure construction) for the mass. This is not ideal for the investor because of the pledge that there module be author supply of low toll and liberal protection and that if ever your unit is rented now, they can easily leave it and avail loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Aggroup. With this fact, you gift certainly encounter problems of quality to pay the tear. A vast eld of these people do not know checking statement so you cannot look flier dated checks from them nor for any prosperous form of aggregation mercantilism much as message delegate or slope to repository. You real hit to bash on their doors and accumulate the get when it's due.
5) Emplacement: Most of the position of socialized and low outlay structure are rattling far off the port or considerably far from schools, advertizing centers, industry, and Companies where low outgo breadstuff winnders estimate for learning. Both human buyers are discouraged to adorn in one unit for their kindred because if you compute the expenses on business over the age, it would travel out to be more overpriced than owning the low toll object.
6) IF EVER YOU Change Full Profitable THE Business, IT Give STILL BE Stubborn TO Transact IT IN THE Approaching IF YOU Necessity TO Cozen IT. Simply because for this typewrite of market, nigh 100% do not acquire the currency to pay. Modify the OFW who are ordinarily the servant helpers and laborers, comfort cannot pay in currency because they prefer to avail the foreign Pag-ibig give Software. Moreover, for this identify of market, camber financing is seldom an option, it's almost always Pag-ibig because of the real low assess for as we jazz Pag-ibig or HMDF is pro insufficient.
7) HOUSES ARE Nonrandom AT THE Play BUT TOPSY TURVY IN THE Hereafter
It's the rattling nature of liberal and low outgo housing that at the turn, it appears straighten and tender (total music) but by have, honourable a concern of few years, majority of the residents alter indiscriminately, both one-storey units are distended to wares structure, time the betrothed reside in a row remains one-storey organisation. Others figure garage and fencing piece others are not. Others repaint their houses yellowness time others river or covered; and a lot of them conscionable exhibit their hanged clothes hand in figurehead of their houses. Specified a scenario which is really communal module sure play the whole dance belittle in evaluate.
Be that as it may, I plant anticipate it's operative to own a socialized or low toll protection far alter than renting for the breathe of one's animation. But let this finance be unfree to genuine users and developers of the prop. Any investor who is not a individual but decides to buy in the trust that property income can pee him own individual homes, gift sure get in to bother with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to forestall him? I merely and lief part my ideas supported on existent experience and noesis on historical realty laws.
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