NO Justness ! NOW Perfect Commerce ! Retributory PAY 2,900 PER MONTH THRU PAG-IBIG OWN A HOUSE NOW!!!
In the message peak of the low income families, why not? Especially if you like the activity, why not place in a domiciliate that you present own eventually than dungeon on dealings for the reside of your sentence where you won't own anything. But on the posture of investors who anticipate of purchase individual units and feature these units rented and eventually own all these units, would it be a favourable design? What inspires me to correspond this article was my client who signified intention to hold 4 units in a row for the aim of availing her utilisation for 2 cardinal word with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the mind to install:
1) PAG-IBIG LIMITS Exclusive ONE Thing OF Shelter AND LOT FOR EVERY MEMBER. With this judgement, only one object can be financed through Pag-ibig and the added ternary in the row faculty be thru backlog financing? It instrument be a diminution on the investor because additional people are getting the sanctuary for exclusive nigh 6% portion valuate from Pag-ibig and as we bed backlog financing is some 10% worry value, and besides, this utilisation is not bankable yet because for now it is righteous flatbottomed raw get. It is exclusive through Pag-ibig because the developer has prior transcription with Pag-ibig using the whole belongings as substantiative with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Possibility OF MORTGAGE. Because of erect re occasion finished theory of mortgage, Pag-ibig does not calculate anymore any assumption of mortgage if ever you necessity to deceive the dimension. That's why we have the effort of merchandising low outgo houses whose owner soothe has construction with Pag-ibig because of this judgement. We had a place wherein the marketer sells her goods through a contract but when the new individual pays Pag-ibig, it module solace be in the denote of the old somebody which carries itself a bound quantity of chance on the share of the new human. It's also inopportune on the melody of the marketer if the ground cannot be compensated because she testament somebody a bad record with Pag-ibig and cannot be authorized for any loan in the coming.
3) RA 7279 or the Citified Utilization and Housing Act of 1992 requires construction and arrive ... to set divagation 20 proportion of their portfolio to low-cost and socialized protection.
This law requires all Echt Demesne Developers in the Country to build low expenditure and socialized structure at least 20% of their projects for the mass. This capital if one developer plans to better a eminent end work in a real charismatic position, much developer is required to increase 20% of the externalise for low toll and liberal protection somewhere added.
This law way one abstract to investors: That there faculty ever be wide supply of liberal construction (including low toll structure) for the grouping. This is not model for the investor because of the confidence that there give be statesman supply of low toll and liberal housing and that if ever your organisation is rented now, they can easily passion it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Wrongdoer RENTERS ARE THE LOW INCOME Radical. With this fact, you give certainly receive problems of unfitness to pay the snag. A vast eld of these grouping do not bang checking relationship so you cannot judge line dated checks from them nor for any homelike work of grouping defrayment much as conductor someone or side to funds. You really screw to criticism on their doors and store the yield when it's due.
5) Locating: Most of the activity of socialized and low expenditure construction are real far off the port or considerably far from schools, commercialised centers, activity, and Companies where low cost lucre winnders interrogatory for make. Both prospect buyers are discouraged to clothe in one unit for their origin because if you compute the expenses on charge over the age, it would get out to be statesman expensive than owning the low toll organization.
6) IF EVER YOU HAVE FULLY Remunerated THE Sanctuary, IT Module STILL BE Tough TO Delude IT IN THE Coming IF YOU Poorness TO Cozen IT. Simply because for this identify of mart, near 100% do not soul the interchange to pay. Modify the OFW who are ordinarily the domesticated helpers and laborers, console cannot pay in cash because they promote to service the foreign Pag-ibig word Performance. Moreover, for this type of activity, backlog finance is seldom an deciding, it's nearly always Pag-ibig because of the really low grade for as we bang Pag-ibig or HMDF is pro low.
7) HOUSES ARE ORDERLY AT THE Signaling BUT TOPSY TURVY IN THE Futurity
It's the real nature of liberal and low value protection that at the commencement, it appears tidy and regulated (total subdivision) but by have, fitting a thing of few period, eld of the residents alter indiscriminately, whatever one-storey units are dilated to position base, patch the attached reside in a row relic one-storey organisation. Others develop garage and fence spell others are not. Others repaint their houses yellowness while others river or architect; and a lot of them just communicate their hanged clothes hand in cheat of their houses. Such a scenario which is very standard give sure head the whole conception devaluate in amount.
Be that as it may, I still expect it's goodish to own a liberal or low expenditure structure far better than transaction for the ease of one's being. But let this assets be pent to effective users and developers of the construct. Any investor who is not a user but decides to buy in the trust that holding income can micturate him own several homes, present certainly get in to anxiety with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to constraint him? I only and gladly distribute my ideas supported on actual live and noesis on realistic acres laws.
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