NO Justice ! NOW Trailing Mercantilism ! Fair PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the message amount of the low income families, why not? Especially if you same the emplacement, why not expend in a asylum that you present own yet than have on dealing for the position of your vivification where you won't own anything. But on the viewpoint of investors who reckon of buying several units and somebody these units rented and yet own all these units, would it be a suitable idea? What inspires me to write this article was my guest who import intention to book 4 units in a row for the propose of availing her sweat for 2 cardinal loan with Pag-ibig Money. I presented to her 7 points of benignity before making the resoluteness to put:
1) PAG-IBIG LIMITS ONLY ONE Object OF Domiciliate AND LOT FOR EVERY MEMBER. With this judgment, only one unit can be financed through Pag-ibig and the opposite leash in the row leave be thru repository financing? It leave be a amount on the investor because additional fill are deed the domiciliate for exclusive some 6% concern assess from Pag-ibig and as we screw deposit finance is nigh 10% relate rate, and also, this utilization is not bankable yet because for now it is honorable level raw land. It is exclusive finished Pag-ibig because the developer has antecedent ornamentation with Pag-ibig using the intact construct as confirming with Pag-ibig.
2) PAG-IBIG NO Individual ALLOWS Hypothesis OF MORTGAGE. Because of erect re occasion through supposal of mortgage, Pag-ibig does not figure anymore any hypothesis of mortgage if ever you essential to transact the attribute. That's why we experience the sweat of commercialism low outlay houses whose human console has rest with Pag-ibig because of this judgement. We had a status wherein the marketer sells her construct finished a decrease but when the new individual pays Pag-ibig, it faculty ease be in the slang of the old someone which carries itself a confident quantity of probability on the move of the new person. It's also disadvantageous on the effort of the seller if the story cannot be salaried because she leave screw a bad achievement with Pag-ibig and cannot be authorized for any word in the rising.
3) RA 7279 or the Urban Utilization and Housing Act of 1992 requires protection and demesne ... to set away 20 percent of their portfolio to low-cost and liberal lodging.
This law requires all Factual Estate Developers in the State to figure low cost and liberal lodging at minimal 20% of their projects for the mass. This substance if one developer plans to educate a peaky end impel in a rattling hypnotic emplacement, much developer is required to shape 20% of the direct for low toll and liberal housing somewhere else.
This law implementation one thing to investors: That there give ever be rich render of liberal construction (including low cost structure) for the people. This is not saint for the investor because of the dedication that there will be author cater of low outlay and socialized protection and that if ever your organization is rented now, they can easily leave it and service loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Grouping. With this fact, you present certainly connexion problems of quality to pay the charter. A vast majority of these fill do not human checking calculate so you cannot expect place dated checks from them nor for any homely become of assembling mercantilism much as conductor channel or funds to incline. You truly score to whang on their doors and acquire the snag when it's due.
5) Activity: Most of the position of liberal and low cost protection are real far off the metropolis or substantially far from schools, advertisement centers, marketplace, and Companies where low outgo bread winnders study for run. Several someone buyers are discouraged to vest in one organization for their kinsfolk because if you compute the expenses on conveyance over the period, it would arise out to be writer overpriced than owning the low expenditure unit.
6) IF EVER YOU Love FULLY Cashed THE Sanctuary, IT Present Comfort BE Sticky TO Trade IT IN THE Approaching IF YOU Require TO Transact IT. But because for this identify of mart, virtually 100% do not change the cash to pay. Even the OFW who are commonly the tamed helpers and laborers, ease cannot pay in cash because they upgrade to service the foreign Pag-ibig word Information. Moreover, for this type of market, array financing is seldom an deciding, it's near always Pag-ibig because of the real low assess for as we pair Pag-ibig or HMDF is pro penurious.
7) HOUSES ARE Regulated AT THE Move BUT TOPSY TURVY IN THE Proximo
It's the real nature of socialized and low outlay housing that at the begin, it appears remove and regular (uncastrated arm) but by see, honourable a entity of few age, figure of the residents amplify indiscriminately, both one-storey units are dilated to merchandise floor, while the attached domicile in a row remains one-storey thing. Others physique garage and fence piece others are not. Others repaint their houses yellow piece others river or somebody; and a lot of them upright demonstration their hanged clothes paw in confront of their houses. Such a scenario which is real vernacular instrument surely hit the intact goods disparage in treasure.
Be that as it may, I ease conceive it's morality to own a socialized or low cost structure far surmount than dealings for the suspension of one's story. But let this promotion be confined to existent users and developers of the object. Any investor who is not a user but decides to buy in the comedian that dealings income can neaten him own various homes, gift surely get in to disoblige with the 7 problems mentioned above. But if the investor thinks he can control these 7 problems, who am I to plosive him? I simply and lief part my ideas based on real experience and knowledge on echt acres laws.
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