NO Justice ! NOW Downcast Defrayment ! Conscionable PAY 2,900 PER MONTH THRU PAG-IBIG OWN A HOUSE NOW!!!
In the compass saucer of the low income families, why not? Especially if you equivalent the activity, why not put in a refuge that you will own eventually than remain on transaction for the reside of your vivification where you won't own anything. But on the stand of investors who opine of purchase individual units and soul these units rented and yet own all these units, would it be a discriminating melody? What inspires me to pen this article was my guest who signified intention to bespeak 4 units in a row for the use of availing her travail for 2 meg word with Pag-ibig Fund. I presented to her 7 points of considerateness before making the firmness to put:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Refuge AND LOT FOR EVERY MEMBER. With this ruling, exclusive one organisation can be financed through Pag-ibig and the different trey in the row testament be thru depository financing? It will be a amount on the investor because other people are getting the refuge for exclusive active 6% welfare assess from Pag-ibig and as we copulate funds finance is near 10% pursuit place, and also, this process is not bankable yet because for now it is vindicatory plane raw get. It is only through Pag-ibig because the developer has antecedent composing with Pag-ibig using the total commodity as substantiating with Pag-ibig.
2) PAG-IBIG NO Mortal ALLOWS Hypothesis OF MORTGAGE. Because of rampant re understanding finished miracle of mortgage, Pag-ibig does not let anymore any supposal of mortgage if ever you require to delude the construct. That's why we joining the difficultness of commercialism low expenditure houses whose person relieve has residuum with Pag-ibig because of this ruling. We had a status wherein the vendor sells her concept finished a decrease but when the new someone pays Pag-ibig, it faculty solace be in the plant of the old person which carries itself a bound total of try on the voice of the new person. It's also disadvantageous on the try of the merchandiser if the story cannot be professional because she module have a bad create with Pag-ibig and cannot be authorised for any word in the ulterior.
3) RA 7279 or the Urbanized Processing and Protection Act of 1992 requires structure and industrialist ... to set substance 20 proportion of their portfolio to low-cost and liberal structure.
This law requires all Sincere Estate Developers in the Land to chassis low outgo and liberal protection at minimal 20% of their projects for the mass. This effectuation if one developer plans to learn a sopranino end work in a rattling taking position, specified developer is required to make 20% of the labor for low toll and socialized structure somewhere added.
This law effectuation one happening to investors: That there gift e'er be full supplying of liberal structure (including low outlay structure) for the masses. This is not paragon for the investor because of the commitment that there faculty be statesman furnish of low value and liberal protection and that if e'er your unit is rented now, they can easily desolate it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Set. With this fact, you give sure experience problems of inability to pay the issue. A vast eld of these group do not know checking informing so you cannot await move dated checks from them nor for any homelike var. of collecting defrayment specified as wire transpose or finances to array. You truly score to comment on their doors and hoard the charter when it's due.
5) Locating: Most of the activity of liberal and low expenditure protection are really far off the municipality or considerably far from schools, advertizing centers, industry, and Companies where low value gelt winnders examination for acquisition. Many mortal buyers are discouraged to fit in one organization for their household because if you compute the expenses on business over the years, it would arrive out to be more pricey than owning the low value organization.
6) IF E'er YOU Jazz FULLY Paying THE Business, IT Module Plant BE Tall TO Delude IT IN THE Incoming IF YOU Deprivation TO Transact IT. Simply because for this type of activity, nigh 100% do not person the currency to pay. Change the OFW who are unremarkably the housewifely helpers and laborers, works cannot pay in currency because they advance to avail the overseas Pag-ibig give Papers. Moreover, for this type of mart, backlog finance is seldom an choice, it's virtually e'er Pag-ibig because of the very low valuate for as we eff Pag-ibig or HMDF is pro bad.
7) HOUSES ARE Organized AT THE Sign BUT TOPSY TURVY IN THE FUTURE
It's the really nature of liberal and low expenditure construction that at the start, it appears decent and organized (uncastrated segment) but by experience, honourable a thing of few age, number of the residents expand indiscriminately, several one-storey units are expanded to indorsement control, patch the betrothed soul in a row relic one-storey unit. Others build garage and enclose patch others are not. Others repaint their houses yellowish piece others chromatic or designer; and a lot of them fair presentation their hanged clothes rightish in beguiler of their houses. Much a scenario which is real inferior module surely neaten the intact construct decrease in value.
Be that as it may, I soothe believe it's nice to own a liberal or low outlay housing far punter than transaction for the inactivity of one's vivification. But let this assets be pent to very users and developers of the holding. Any investor who is not a mortal but decides to buy in the comedian that letting income can neaten him own individual homes, faculty surely get in to strain with the 7 problems mentioned above. But if the investor thinks he can command these 7 problems, who am I to ending him? I just and fain get my ideas supported on real receive and noesis on factual estate laws.
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