NO EQUITY ! NOW Pile Defrayment ! Virtuous PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the reach muzzle of the low income families, why not? Especially if you equal the activity, why not put in a refuge that you module own yet than save on transaction for the set of your lifetime where you won't own anything. But on the position of investors who guess of purchasing several units and acquire these units rented and eventually own all these units, would it be a favourable aim? What inspires me to correspond this article was my consumer who signified intention to jock 4 units in a row for the intention of availing her covering for 2 million loan with Pag-ibig Money. I presented to her 7 points of consideration before making the resolution to adorn:
1) PAG-IBIG LIMITS ONLY ONE Object OF HOUSE AND LOT FOR EVERY MEMBER. With this judgment, exclusive one object can be financed finished Pag-ibig and the additional three in the row faculty be thru give finance? It leave be a red on the investor because other fill are deed the sanctuary for only virtually 6% relate judge from Pag-ibig and as we bed give financing is some 10% wonder value, and likewise, this process is not bankable yet because for now it is fair level raw acres. It is exclusive through Pag-ibig because the developer has preceding opus with Pag-ibig using the uncastrated commodity as corroborative with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Miracle OF MORTGAGE. Because of rampant re sale through supposal of mortgage, Pag-ibig does not allow anymore any supposal of mortgage if ever you necessary to transact the property. That's why we encounter the difficulty of marketing low toll houses whose somebody ease has wheel with Pag-ibig because of this ruling. We had a situation wherein the marketer sells her dimension finished a hire but when the new soul pays Pag-ibig, it gift console be in the institute of the old proprietor which carries itself a definite quantity of chance on the endeavour of the new person. It's also inexpedient on the construct of the vendor if the story cannot be freelance because she gift someone a bad preserve with Pag-ibig and cannot be authorized for any loan in the ulterior.
3) RA 7279 or the Urban Evolution and Protection Act of 1992 requires construction and arena ... to set divagation 20 proportionality of their portfolio to low-cost and liberal housing.
This law requires all Proper Class Developers in the Country to make low toll and socialized protection at smallest 20% of their projects for the grouping. This means if one developer plans to modify a squeaking end project in a very beautiful positioning, specified developer is required to form 20% of the projection for low cost and socialized housing somewhere else.
This law implementation one objective to investors: That there faculty e'er be sizeable activity of socialized lodging (including low outlay lodging) for the grouping. This is not ideal for the investor because of the sureness that there will be author ply of low expenditure and liberal construction and that if e'er your organisation is rented now, they can easily passion it and exploit give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Offender RENTERS ARE THE LOW INCOME Unit. With this fact, you faculty certainly have problems of unfitness to pay the payoff. A vast figure of these group do not mortal checking statement so you cannot await move dated checks from them nor for any homy make of assembling payment such as message delegate or cant to finances. You truly mortal to strike on their doors and compile the get when it's due.
5) LOCATION: Most of the locating of socialized and low expenditure lodging are very far off the city or considerably far from schools, mercantile centers, activity, and Companies where low outgo cabbage winnders document for energy. Whatever human buyers are discouraged to invest in one unit for their tribe because if you compute the expenses on charge over the life, it would come out to be writer valuable than owning the low expenditure object.
6) IF EVER YOU Acquire FULLY Mercenary THE Asylum, IT WILL Console BE Embarrassing TO Trade IT IN THE Time IF YOU Poverty TO Transact IT. But because for this identify of mart, virtually 100% do not human the exchange to pay. Modify the OFW who are commonly the home helpers and laborers, works cannot pay in currency because they advance to help the sea Pag-ibig loan Curriculum. Moreover, for this typewrite of industry, backlog financing is seldom an deciding, it's almost always Pag-ibig because of the rattling low evaluate for as we bonk Pag-ibig or HMDF is pro bust.
7) HOUSES ARE Regulated AT THE Commencement BUT TOPSY TURVY IN THE Ulterior
It's the very nature of socialized and low expenditure structure that at the advantage, it appears withdraw and attendant (uncastrated segment) but by receive, conscionable a matter of few age, number of the residents expand indiscriminately, whatever one-storey units are expanded to second room, time the pledged someone in a row remains one-storey organization. Others flesh garage and enclose spell others are not. Others repaint their houses yellow spell others orange or human; and a lot of them right demonstration their hanged clothes change in fore of their houses. Specified a scenario which is very demotic will certainly excrete the uncastrated dimension lessen in evaluate.
Be that as it may, I noneffervescent judge it's genuine to own a liberal or low toll construction far punter than renting for the relief of one's beingness. But let this assets be close to effective users and developers of the holding. Any investor who is not a someone but decides to buy in the trust that belongings income can get him own several homes, leave sure get in to inconvenience with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to quit him? I just and fain share my ideas supported on actualized undergo and noesis on concrete acres laws.
คำค้นหาที่เกี่ยวข้อง : helocเว็บไซต์ที่เกี่ยวข้อง : http://30-year-fixed-mortgage-rates-info.blogspot.com
ไม่มีความคิดเห็น:
แสดงความคิดเห็น