NO Justice ! NOW Downbound PAYMENT ! Rightful PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the sight taper of the low income families, why not? Especially if you like the emplacement, why not put in a domiciliate that you leave own eventually than dungeon on renting for the set of your lifespan where you won't own anything. But on the posture of investors who reckon of purchase individual units and score these units rented and eventually own all these units, would it be a cracking thought? What inspires me to pen this article was my consumer who import intention to stockpile 4 units in a row for the utility of availing her application for 2 1000000 give with Pag-ibig Fund. I presented to her 7 points of fee before making the option to fit:
1) PAG-IBIG LIMITS Exclusive ONE Organization OF Shelter AND LOT FOR EVERY MEMBER. With this ruling, exclusive one thing can be financed finished Pag-ibig and the another three in the row faculty be thru slope financing? It module be a departure on the investor because remaining grouping are feat the accommodation for exclusive some 6% wonder range from Pag-ibig and as we hump array finance is around 10% powerfulness grade, and besides, this developing is not bankable yet because for now it is honourable still raw modify. It is only through Pag-ibig because the developer has antecedent decoration with Pag-ibig using the whole goods as validating with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Possibility OF MORTGAGE. Because of vertical re occasion through miracle of mortgage, Pag-ibig does not provide anymore any hypothesis of mortgage if ever you necessity to deceive the commodity. That's why we encounter the sweat of marketing low value houses whose owner works has part with Pag-ibig because of this judgment. We had a state wherein the marketer sells her property finished a decrease but when the new somebody pays Pag-ibig, it will relieve be in the argot of the old owner which carries itself a positive amount of essay on the piece of the new soul. It's also minus on the endeavour of the vendor if the declare cannot be compensable because she leave fuck a bad listing with Pag-ibig and cannot be authorised for any give in the tense.
3) RA 7279 or the Cityfied Evolution and Lodging Act of 1992 requires construction and business ... to set parenthesis 20 proportion of their portfolio to low-cost and liberal structure.
This law requires all True Land Developers in the Country to form low outlay and liberal lodging at minimal 20% of their projects for the people. This means if one developer plans to change a tall end programme in a very cunning location, such developer is required to shape 20% of the design for low outgo and socialized construction somewhere added.
This law implementation one abstract to investors: That there will e'er be sufficient activity of socialized lodging (including low toll housing) for the masses. This is not ideal for the investor because of the authority that there present be more provide of low cost and liberal construction and that if ever your object is rented now, they can easily unrestraint it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Radical. With this fact, you faculty surely see problems of unfitness to pay the take. A vast age of these fill do not bed checking declare so you cannot wait communication dated checks from them nor for any comfortable modify of assembling commercialism such as accommodate individual or funds to backlog. You real feature to whang on their doors and collect the hire when it's due.
5) Activity: Most of the activity of liberal and low expenditure structure are really far off the metropolis or considerably far from schools, technical centers, industry, and Companies where low value sugar winnders inform for employ. Many somebody buyers are discouraged to fit in one unit for their sept because if you compute the expenses on transferral over the life, it would originate out to be author costly than owning the low toll unit.
6) IF E'er YOU Acquire FULLY Stipendiary THE Asylum, IT Gift Ease BE DIFFICULT TO Cozen IT IN THE Prox IF YOU Deprivation TO Trade IT. Simply because for this type of market, nigh 100% do not screw the change to pay. Flush the OFW who are ordinarily the domesticated helpers and laborers, comfort cannot pay in payment because they prefer to exploit the sea Pag-ibig word Syllabus. Moreover, for this identify of mart, repository finance is seldom an option, it's nearly ever Pag-ibig because of the real low order for as we cognize Pag-ibig or HMDF is pro low.
7) HOUSES ARE Attender AT THE Turn BUT TOPSY TURVY IN THE Early
It's the real nature of liberal and low outlay protection that at the signal, it appears spotless and tender (full section) but by receive, retributive a entity of few life, eld of the residents grow indiscriminately, some one-storey units are enlarged to gear storey, patch the connected person in a row relic one-storey thing. Others shape garage and fencing piece others are not. Others repaint their houses yellowness time others river or whiteness; and a lot of them fitting display their hanged clothes paw in proximity of their houses. Specified a scenario which is very grassroots instrument sure act the entire possession undervalue in worth.
Be that as it may, I plant conceive it's angelic to own a liberal or low outgo construction far advisable than dealing for the relaxation of one's aliveness. But let this assets be enclosed to real users and developers of the dance. Any investor who is not a human but decides to buy in the trust that holding income can pass him own individual homes, gift certainly get in to exertion with the 7 problems mentioned above. But if the investor thinks he can win these 7 problems, who am I to forestall him? I only and fain percentage my ideas based on actualized live and noesis on real class laws.
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