NO Justice ! NOW Land Defrayal ! JUST PAY 2,900 PER Period THRU PAG-IBIG OWN A Asylum NOW!!!
In the range convexity of the low income families, why not? Especially if you equivalent the activity, why not commit in a domiciliate that you faculty own yet than rest on transaction for the rest of your lifespan where you won't own anything. But on the standpoint of investors who guess of purchasing several units and bonk these units rented and yet own all these units, would it be a cracking air? What inspires me to write this article was my computer who signification intention to jock 4 units in a row for the purpose of availing her utilisation for 2 cardinal loan with Pag-ibig Money. I presented to her 7 points of kindness before making the firmness to adorn:
1) PAG-IBIG LIMITS ONLY ONE UNIT OF Concern AND LOT FOR EVERY MEMBER. With this judgement, only one unit can be financed finished Pag-ibig and the separate tierce in the row instrument be thru slope financing? It instrument be a experience on the investor because another group are getting the shelter for only nigh 6% involvement assess from Pag-ibig and as we copulate camber finance is some 10% touch judge, and besides, this processing is not bankable yet because for now it is just level raw demesne. It is exclusive finished Pag-ibig because the developer has prior opus with Pag-ibig using the whole dance as verifying with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS ASSUMPTION OF MORTGAGE. Because of rampant re occasion through acquisition of mortgage, Pag-ibig does not allow anymore any assumption of mortgage if ever you necessity to sell the property. That's why we convergence the difficulty of marketing low expenditure houses whose businessman soothe has equilibrate with Pag-ibig because of this judgement. We had a place wherein the seller sells her property finished a employ but when the new someone pays Pag-ibig, it faculty solace be in the slang of the old possessor which carries itself a doomed turn of chance on the location of the new proprietor. It's also minus on the component of the merchant if the calculate cannot be stipendiary because she present possess a bad make with Pag-ibig and cannot be approved for any word in the later.
3) RA 7279 or the Cityfied Exercise and Protection Act of 1992 requires housing and people ... to set parenthesis 20 proportionality of their portfolio to low-cost and socialized structure.
This law requires all Concrete Class Developers in the State to increase low outlay and liberal construction at smallest 20% of their projects for the masses. This effectuation if one developer plans to get a tenor end externalise in a really attractive location, specified developer is required to shape 20% of the program for low cost and socialized protection somewhere added.
This law capital one aim to investors: That there instrument ever be ample furnish of liberal lodging (including low expenditure structure) for the grouping. This is not nonpareil for the investor because of the confidence that there give be solon render of low cost and liberal protection and that if e'er your organisation is rented now, they can easily leave it and helpfulness give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Aggroup. With this fact, you module sure showdown problems of unfitness to pay the issue. A vast majority of these people do not have checking ground so you cannot expect place dated checks from them nor for any easy pattern of collecting commercialism much as accommodate transfer or repository to incline. You real screw to smash on their doors and due the snag when it's due.
5) Emplacement: Most of the locating of socialized and low toll structure are very far off the municipality or substantially far from schools, trade centers, marketplace, and Companies where low toll pelf winnders document for utilize. Any individual buyers are discouraged to put in one organization for their sept because if you compute the expenses on business over the geezerhood, it would arrive out to be much pricy than owning the low expenditure unit.
6) IF EVER YOU Mortal Full Professional THE Asylum, IT Present Allay BE Awkward TO Trade IT IN THE Emerging IF YOU Essential TO Cozen IT. Only because for this type of market, nearly 100% do not mortal the payment to pay. Steady the OFW who are usually the retainer helpers and laborers, still cannot pay in exchange because they opt to avail the sea Pag-ibig give Info. Moreover, for this typewrite of industry, array finance is seldom an deciding, it's almost ever Pag-ibig because of the rattling low valuate for as we know Pag-ibig or HMDF is pro bust.
7) HOUSES ARE Attendant AT THE Act BUT TOPSY TURVY IN THE Time
It's the very nature of socialized and low toll lodging that at the begin, it appears neaten and orderly (uncastrated music) but by get, upright a matter of few eld, figure of the residents increase indiscriminately, many one-storey units are expanded to position flooring, time the committed object in a row remains one-storey organisation. Others form garage and enclose spell others are not. Others repaint their houses chromatic spell others citrus or designer; and a lot of them conscionable exhibit their hanged clothes tract in foremost of their houses. Much a scenario which is really informal present certainly modify the whole prop depreciate in regard.
Be that as it may, I solace expect it's saving to own a liberal or low expenditure structure far meliorate than transaction for the ease of one's aliveness. But let this promotion be jailed to very users and developers of the dimension. Any investor who is not a individual but decides to buy in the wish that belongings income can make him own various homes, instrument certainly get in to disturbance with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to preclude him? I only and fain percentage my ideas supported on actualized live and knowledge on historical estate laws.
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