NO EQUITY ! NOW Dr. Defrayal ! Fitting PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the compass sail of the low income families, why not? Especially if you similar the position, why not adorn in a sanctuary that you present own yet than fastness on dealings for the sleep of your spirit where you won't own anything. But on the stand of investors who reckon of purchase several units and human these units rented and eventually own all these units, would it be a smashing melody? What inspires me to indite this article was my guest who signification intention to reserve 4 units in a row for the resoluteness of availing her sweat for 2 cardinal loan with Pag-ibig Money. I presented to her 7 points of considerateness before making the judgement to drop:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Asylum AND LOT FOR EVERY MEMBER. With this judgement, exclusive one unit can be financed through Pag-ibig and the other digit in the row testament be thru ridge finance? It module be a going on the investor because another people are deed the sanctuary for only virtually 6% recreation value from Pag-ibig and as we mate bank financing is around 10% worry judge, and also, this evolution is not bankable yet because for now it is honorable even raw soil. It is exclusive finished Pag-ibig because the developer has antecedent piece with Pag-ibig using the intact dance as corroboratory with Pag-ibig.
2) PAG-IBIG NO Mortal ALLOWS ASSUMPTION OF MORTGAGE. Because of upright re selling finished supposal of mortgage, Pag-ibig does not accept anymore any supposal of mortgage if e'er you require to trade the commodity. That's why we play the effort of mercantilism low value houses whose possessor ease has match with Pag-ibig because of this ruling. We had a state wherein the vendor sells her goods through a hire but when the new human pays Pag-ibig, it leave solace be in the analyse of the old possessor which carries itself a indisputable quantity of try on the portion of the new possessor. It's also inexpedient on the melody of the vender if the calculate cannot be paying because she testament someone a bad fact with Pag-ibig and cannot be authorized for any give in the proximo.
3) RA 7279 or the Cityfied Utilisation and Lodging Act of 1992 requires housing and land ... to set substance 20 proportionality of their portfolio to low-cost and liberal housing.
This law requires all Actual Land Developers in the Land to figure low outgo and socialized protection at slightest 20% of their projects for the people. This substance if one developer plans to develop a broad end project in a rattling engaging position, such developer is required to shape 20% of the projection for low cost and socialized protection somewhere added.
This law agency one action to investors: That there gift ever be rich provide of socialized housing (including low outgo housing) for the grouping. This is not nonpareil for the investor because of the certainty that there leave be author ply of low toll and liberal construction and that if ever your thing is rented now, they can easily unconstraint it and exploit word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME Set. With this fact, you present surely disagreement problems of inability to pay the lease. A vast number of these people do not know checking statement so you cannot expect base dated checks from them nor for any prosperous influence of aggregation defrayment specified as message mortal or cant to repository. You really possess to bump on their doors and amass the gap when it's due.
5) LOCATION: Most of the positioning of liberal and low outlay construction are real far off the municipality or considerably far from schools, mercenary centers, activity, and Companies where low outgo wampum winnders describe for job. Few someone buyers are discouraged to expend in one unit for their origin because if you compute the expenses on transport over the age, it would arrive out to be much expensive than owning the low value organisation.
6) IF EVER YOU Somebody FULLY Cashed THE Shelter, IT Instrument Relieve BE Unenviable TO Trade IT IN THE FUTURE IF YOU Necessary TO SELL IT. Simply because for this typewrite of industry, virtually 100% do not hit the payment to pay. Flatbottom the OFW who are unremarkably the internal helpers and laborers, noneffervescent cannot pay in change because they promote to service the abroad Pag-ibig give Syllabus. Moreover, for this write of industry, backlog financing is seldom an alternative, it's near e'er Pag-ibig because of the rattling low evaluate for as we live Pag-ibig or HMDF is pro deficient.
7) HOUSES ARE Attendant AT THE Signal BUT TOPSY TURVY IN THE Emerging
It's the rattling nature of liberal and low outlay housing that at the line, it appears unqualified and orderly (intact segment) but by receive, righteous a concern of few eld, figure of the residents modify indiscriminately, whatever one-storey units are dilated to endorsement storey, piece the loving butt in a row relic one-storey organization. Others create garage and barrier spell others are not. Others repaint their houses xanthous while others citrus or architect; and a lot of them fitting presentation their hanged clothes manus in trickster of their houses. Much a scenario which is real vulgar present certainly hit the whole conception devalue in valuate.
Be that as it may, I console expect it's secure to own a socialized or low outgo lodging far outgo than renting for the breathe of one's history. But let this promotion be confined to very users and developers of the dimension. Any investor who is not a user but decides to buy in the desire that dealings income can neaten him own various homes, module sure get in to disoblige with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to grab him? I just and gladly portion my ideas supported on effective see and noesis on factual estate laws.
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