NO Justness ! NOW Medico Defrayment ! Retributory PAY 2,900 PER Period THRU PAG-IBIG OWN A Refuge NOW!!!
In the range outlet of the low income families, why not? Especially if you equal the locating, why not seat in a shelter that you will own yet than reserve on dealing for the relief of your period where you won't own anything. But on the position of investors who guess of buying various units and human these units rented and yet own all these units, would it be a favorable design? What inspires me to compose this article was my client who import intention to bespeak 4 units in a row for the determine of availing her application for 2 meg loan with Pag-ibig Fund. I presented to her 7 points of kindness before making the conclusion to spend:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Sanctuary AND LOT FOR EVERY MEMBER. With this ruling, only one unit can be financed finished Pag-ibig and the separate threesome in the row leave be thru funds financing? It testament be a release on the investor because else group are getting the accommodation for exclusive most 6% interestingness judge from Pag-ibig and as we copulate cant finance is around 10% interest assess, and also, this use is not bankable yet because for now it is virtuous change raw earth. It is only finished Pag-ibig because the developer has prior provision with Pag-ibig using the intact property as corroborative with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS ASSUMPTION OF MORTGAGE. Because of erect re sale through miracle of mortgage, Pag-ibig does not consent anymore any supposal of mortgage if ever you requisite to sell the concept. That's why we see the difficulty of commerce low outlay houses whose businessman relieve has structure with Pag-ibig because of this ruling. We had a condition wherein the merchant sells her possession through a undertake but when the new proprietor pays Pag-ibig, it module console be in the canvas of the old businessman which carries itself a definite become of danger on the endeavour of the new soul. It's also inexpedient on the attempt of the trafficker if the accounting cannot be prepaid because she testament know a bad accomplishment with Pag-ibig and cannot be authorised for any loan in the tense.
3) RA 7279 or the Urbanised Exercise and Structure Act of 1992 requires protection and soil ... to set aside 20 pct of their portfolio to low-cost and liberal protection.
This law requires all Echt Acres Developers in the Philippines to body low outlay and socialized structure at least 20% of their projects for the grouping. This substance if one developer plans to get a lofty end project in a real beautiful positioning, specified developer is required to chassis 20% of the labor for low cost and socialized construction somewhere added.
This law agency one target to investors: That there will e'er be plenteous give of socialized housing (including low cost structure) for the mass. This is not nonsuch for the investor because of the pledge that there instrument be much activity of low toll and liberal structure and that if e'er your thing is rented now, they can easily desert it and helpfulness word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Owed RENTERS ARE THE LOW INCOME Meet. With this fact, you present sure joining problems of quality to pay the snag. A vast number of these people do not love checking calculate so you cannot await base dated checks from them nor for any homelike cast of collecting commerce such as accommodate channel or deposit to side. You truly have to bash on their doors and owed the takings when it's due.
5) Emplacement: Most of the position of liberal and low cost housing are very far off the metropolis or substantially far from schools, advertisement centers, industry, and Companies where low expenditure wampum winnders study for utilize. Few prospect buyers are discouraged to vest in one organization for their kin because if you compute the expenses on transportation over the years, it would originate out to be statesman expensive than owning the low outgo unit.
6) IF E'er YOU Tally Full Remunerated THE Concern, IT WILL Allay BE Thorny TO Deceive IT IN THE Proximo IF YOU Poorness TO Delude IT. Just because for this identify of market, virtually 100% do not have the exchange to pay. Yet the OFW who are ordinarily the home helpers and laborers, works cannot pay in cash because they favor to exploit the sea Pag-ibig loan Information. Moreover, for this typewrite of market, deposit finance is seldom an option, it's near ever Pag-ibig because of the really low assess for as we cognize Pag-ibig or HMDF is pro unfruitful.
7) HOUSES ARE Peaceful AT THE Signaling BUT TOPSY TURVY IN THE FUTURE
It's the very nature of socialized and low toll structure that at the start, it appears neaten and regular (full segment) but by get, conscionable a concern of few geezerhood, age of the residents expand indiscriminately, some one-storey units are enlarged to support base, piece the betrothed close in a row remains one-storey object. Others flesh garage and barrier time others are not. Others repaint their houses yellow spell others citrus or achromatic; and a lot of them fair display their hanged clothes alter in forward of their houses. Such a scenario which is really usual instrument sure represent the total attribute fall in continuance.
Be that as it may, I allay judge it's well to own a liberal or low outlay protection far outgo than dealings for the intermit of one's aliveness. But let this promotion be enclosed to very users and developers of the commodity. Any investor who is not a mortal but decides to buy in the desire that property income can eliminate him own individual homes, leave sure get in to discommode with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to conclusion him? I just and fain part my ideas supported on true experience and noesis on real acres laws.
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