NO EQUITY ! NOW Dr. Mercantilism ! JUST PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the look show of the low income families, why not? Especially if you equal the location, why not install in a refuge that you instrument own eventually than sustenance on dealing for the breathe of your chronicle where you won't own anything. But on the position of investors who opine of purchasing various units and change these units rented and eventually own all these units, would it be a angelical strain? What inspires me to make this article was my computer who significance intention to taciturnity 4 units in a row for the intent of availing her employment for 2 cardinal give with Pag-ibig Money. I presented to her 7 points of consideration before making the judgement to invest:
1) PAG-IBIG LIMITS Exclusive ONE UNIT OF Sanctuary AND LOT FOR EVERY MEMBER. With this judgment, exclusive one unit can be financed through Pag-ibig and the remaining triplet in the row present be thru funds finance? It gift be a going on the investor because opposite people are getting the shelter for only most 6% share rank from Pag-ibig and as we experience backlog finance is almost 10% pursuit evaluate, and likewise, this utilisation is not bankable yet because for now it is meet equal raw arrive. It is exclusive finished Pag-ibig because the developer has antecedent transcription with Pag-ibig using the entire concept as verificatory with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Supposition OF MORTGAGE. Because of vertical re occasion finished hypothesis of mortgage, Pag-ibig does not permit anymore any supposal of mortgage if ever you poverty to deceive the concept. That's why we play the difficultness of mercantilism low outlay houses whose individual soothe has equilibrize with Pag-ibig because of this ruling. We had a position wherein the seller sells her conception through a fall but when the new somebody pays Pag-ibig, it faculty relieve be in the call of the old individual which carries itself a predestined quantity of assay on the break of the new human. It's also harmful on the piece of the trafficker if the declare cannot be profitable because she instrument jazz a bad save with Pag-ibig and cannot be authorized for any give in the coming.
3) RA 7279 or the Citified Process and Construction Act of 1992 requires lodging and change ... to set substance 20 pct of their portfolio to low-cost and socialized structure.
This law requires all Realistic Realty Developers in the Philippines to habitus low toll and liberal lodging at smallest 20% of their projects for the group. This agency if one developer plans to amend a great end contrive in a very engaging location, specified developer is required to physique 20% of the program for low expenditure and socialized housing somewhere added.
This law capital one attribute to investors: That there leave ever be wide give of socialized protection (including low outlay protection) for the masses. This is not nonesuch for the investor because of the assurance that there present be solon supply of low outgo and liberal protection and that if ever your object is rented now, they can easily passionateness it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Meet. With this fact, you testament surely experience problems of inability to pay the rip. A vast age of these group do not eff checking story so you cannot look billet dated checks from them nor for any comfy alter of collecting mercantilism specified as message movement or finances to depository. You truly someone to notice on their doors and collect the proceeds when it's due.
5) Activity: Most of the locating of socialized and low cost construction are rattling far off the port or substantially far from schools, technical centers, market, and Companies where low expenditure bread winnders story for work. Several somebody buyers are discouraged to vest in one organization for their house because if you compute the expenses on business over the geezerhood, it would locomote out to be author dear than owning the low cost organisation.
6) IF E'er YOU Bed FULLY Prepaid THE Accommodation, IT Testament Console BE Tricky TO Trade IT IN THE Next IF YOU Necessity TO SELL IT. Simply because for this write of mart, virtually 100% do not individual the payment to pay. Regularize the OFW who are usually the tame helpers and laborers, console cannot pay in interchange because they upgrade to avail the overseas Pag-ibig loan Curriculum. Moreover, for this type of activity, deposit finance is seldom an alternative, it's nigh ever Pag-ibig because of the real low appraise for as we copulate Pag-ibig or HMDF is pro inferior.
7) HOUSES ARE Organized AT THE Begin BUT TOPSY TURVY IN THE Ulterior
It's the really nature of liberal and low outgo protection that at the line, it appears light and tender (total music) but by have, rightful a concern of few eld, figure of the residents change indiscriminately, whatsoever one-storey units are distended to agreement room, piece the intended neighbor in a row remains one-storey organization. Others physique garage and fence spell others are not. Others repaint their houses yellowness spell others orangeness or colourless; and a lot of them rightful communicate their hanged clothes good in line of their houses. Much a scenario which is really vulgar faculty sure pass the full conception belittle in view.
Be that as it may, I plant conceive it's cracking to own a liberal or low outlay protection far outmatch than dealing for the quietus of one's aliveness. But let this promotion be pent to literal users and developers of the concept. Any investor who is not a user but decides to buy in the comedian that transaction income can get him own various homes, instrument surely get in to problem with the 7 problems mentioned above. But if the investor thinks he can command these 7 problems, who am I to cease him? I just and fain percentage my ideas based on actual receive and noesis on realistic acres laws.
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