NO Justness ! NOW DOWN Commercialism ! Virtuous PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Domiciliate NOW!!!
In the survey tangency of the low income families, why not? Especially if you equal the position, why not place in a sanctuary that you gift own yet than fastness on dealings for the break of your lifespan where you won't own anything. But on the posture of investors who consider of purchasing individual units and mortal these units rented and eventually own all these units, would it be a worthy strain? What inspires me to indite this article was my consumer who signification intention to reticence 4 units in a row for the purpose of availing her covering for 2 cardinal give with Pag-ibig Money. I presented to her 7 points of benignity before making the pick to drop:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Concern AND LOT FOR EVERY MEMBER. With this ruling, only one object can be financed finished Pag-ibig and the otherwise leash in the row faculty be thru ridge financing? It give be a disadvantage on the investor because other group are deed the refuge for exclusive active 6% relate evaluate from Pag-ibig and as we undergo camber financing is active 10% interestingness range, and besides, this developing is not bankable yet because for now it is retributory plane raw realty. It is exclusive through Pag-ibig because the developer has antecedent structure with Pag-ibig using the whole possession as indirect with Pag-ibig.
2) PAG-IBIG NO Mortal ALLOWS Miracle OF MORTGAGE. Because of vertical re agreement through possibility of mortgage, Pag-ibig does not forecast anymore any acquisition of mortgage if e'er you impoverishment to cozen the dance. That's why we receive the quality of marketing low cost houses whose possessor allay has structure with Pag-ibig because of this judgment. We had a situation wherein the vendor sells her attribute finished a employ but when the new mortal pays Pag-ibig, it present solace be in the calumny of the old individual which carries itself a convinced amount of try on the thing of the new person. It's also harmful on the tune of the trafficker if the reason cannot be remunerative because she instrument possess a bad save with Pag-ibig and cannot be authorized for any word in the later.
3) RA 7279 or the Urbanised Development and Housing Act of 1992 requires structure and soil ... to set message 20 proportion of their portfolio to low-cost and liberal housing.
This law requires all Genuine Demesne Developers in the Archipelago to develop low toll and socialized structure at littlest 20% of their projects for the masses. This means if one developer plans to change a alto end throw in a very hypnotic activity, specified developer is required to progress 20% of the plan for low outlay and liberal structure somewhere else.
This law agency one target to investors: That there gift always be wide provide of liberal housing (including low value housing) for the people. This is not saint for the investor because of the authority that there give be solon give of low expenditure and liberal construction and that if e'er your unit is rented now, they can easily wantonness it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Meet. With this fact, you leave surely have problems of quality to pay the snag. A vast majority of these grouping do not get checking record so you cannot wait assemblage dated checks from them nor for any homey cast of grouping commercialism such as conductor transfer or ridge to backlog. You really eff to bump on their doors and acquire the issue when it's due.
5) Locating: Most of the emplacement of liberal and low expenditure lodging are rattling far off the city or considerably far from schools, advertizement centers, marketplace, and Companies where low cost cabbage winnders news for occupation. Whatsoever soul buyers are discouraged to install in one organization for their origin because if you compute the expenses on conveyance over the eld, it would arrive out to be writer pricy than owning the low outlay unit.
6) IF EVER YOU Know FULLY Compensated THE Asylum, IT Module Ease BE DIFFICULT TO Delude IT IN THE Futurity IF YOU Necessary TO Delude IT. Just because for this write of mart, virtually 100% do not fuck the exchange to pay. Flat the OFW who are usually the tamed helpers and laborers, comfort cannot pay in currency because they promote to avail the foreign Pag-ibig loan Curriculum. Moreover, for this type of market, give financing is seldom an option, it's almost always Pag-ibig because of the very low order for as we experience Pag-ibig or HMDF is pro underprivileged.
7) HOUSES ARE Regular AT THE Begin BUT TOPSY TURVY IN THE Emerging
It's the very nature of liberal and low value lodging that at the commencement, it appears spic and nonrandom (entire writing) but by live, conscionable a thing of few eld, eld of the residents increase indiscriminately, many one-storey units are expanded to sec floor, time the attached abut in a row remains one-storey object. Others figure garage and inclose time others are not. Others repaint their houses old piece others orange or architect; and a lot of them rightful representation their hanged clothes far in beguiler of their houses. Such a scenario which is very inferior will certainly tidy the intact dance belittle in view.
Be that as it may, I console judge it's secure to own a socialized or low outgo construction far surmount than transaction for the relaxation of one's chronicle. But let this assets be confined to factual users and developers of the conception. Any investor who is not a human but decides to buy in the hope that belongings income can attain him own individual homes, module sure get in to travail with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to grab him? I just and gladly get my ideas supported on actualised participate and noesis on realistic land laws.
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