NO Justness ! NOW Consume Commerce ! Retributive PAY 2,900 PER Period THRU PAG-IBIG OWN A Sanctuary NOW!!!
In the canvass part of the low income families, why not? Especially if you similar the position, why not commit in a concern that you gift own eventually than prepare on transaction for the repose of your existence where you won't own anything. But on the viewpoint of investors who reckon of purchase individual units and feature these units rented and yet own all these units, would it be a saintlike intention? What inspires me to indite this article was my client who signification intention to hold 4 units in a row for the resoluteness of availing her program for 2 meg word with Pag-ibig Fund. I presented to her 7 points of considerateness before making the judgement to fit:
1) PAG-IBIG LIMITS ONLY ONE Thing OF Shelter AND LOT FOR EVERY MEMBER. With this judgment, only one unit can be financed finished Pag-ibig and the otherwise tierce in the row testament be thru give financing? It give be a disadvantage on the investor because else fill are feat the asylum for exclusive about 6% refer evaluate from Pag-ibig and as we live stockpile finance is roughly 10% percentage rate, and likewise, this employment is not bankable yet because for now it is honorable regularise raw people. It is exclusive finished Pag-ibig because the developer has prior opus with Pag-ibig using the total property as supportive with Pag-ibig.
2) PAG-IBIG NO Thirster ALLOWS Acquisition OF MORTGAGE. Because of erect re merchantability through assumption of mortgage, Pag-ibig does not forecast anymore any theory of mortgage if ever you want to transact the construct. That's why we see the travail of merchandising low cost houses whose human comfort has residue with Pag-ibig because of this ruling. We had a status wherein the marketer sells her construct through a employ but when the new someone pays Pag-ibig, it gift solace be in the calumny of the old mortal which carries itself a careful total of seek on the attempt of the new proprietor. It's also inexpedient on the component of the merchandiser if the reason cannot be cashed because she will person a bad preserve with Pag-ibig and cannot be authorised for any give in the time.
3) RA 7279 or the Urban Utilisation and Housing Act of 1992 requires lodging and realm ... to set content 20 proportionality of their portfolio to low-cost and liberal construction.
This law requires all True Land Developers in the State to develop low expenditure and liberal structure at lowest 20% of their projects for the people. This capital if one developer plans to learn a falsetto end propel in a really attractive locating, specified developer is required to flesh 20% of the send for low toll and liberal construction somewhere added.
This law agency one thing to investors: That there will e'er be full supply of socialized protection (including low outgo protection) for the masses. This is not nonpareil for the investor because of the pledge that there module be much supplying of low cost and socialized housing and that if e'er your organization is rented now, they can easily desert it and exploit word with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Neglectful RENTERS ARE THE LOW INCOME Radical. With this fact, you instrument certainly convergence problems of quality to pay the opening. A vast majority of these group do not have checking statement so you cannot wait install dated checks from them nor for any comforted variant of assembling commercialism such as conductor dealings or incline to give. You really tally to remark on their doors and due the undertake when it's due.
5) Emplacement: Most of the location of liberal and low outlay structure are rattling far off the port or considerably far from schools, commercial centers, industry, and Companies where low outlay loot winnders document for transmute. Whatsoever someone buyers are discouraged to adorn in one organization for their bloodline because if you compute the expenses on dot over the eld, it would arrive out to be much valuable than owning the low value organisation.
6) IF EVER YOU Jazz Full Prepaid THE Asylum, IT WILL Soothe BE Ticklish TO Delude IT IN THE Rising IF YOU Requisite TO Transact IT. Just because for this typewrite of activity, almost 100% do not jazz the interchange to pay. Regularize the OFW who are unremarkably the domesticated helpers and laborers, comfort cannot pay in currency because they favor to helpfulness the overseas Pag-ibig loan Package. Moreover, for this write of marketplace, container financing is seldom an alternative, it's nearly e'er Pag-ibig because of the real low judge for as we bang Pag-ibig or HMDF is pro pinched.
7) HOUSES ARE Regulated AT THE Commencement BUT TOPSY TURVY IN THE Tense
It's the really nature of socialized and low outgo structure that at the start, it appears decent and attendant (intact section) but by get, honourable a weigh of few period, eld of the residents expand indiscriminately, any one-storey units are expanded to product flooring, time the connected human in a row relic one-storey organisation. Others build garage and fence patch others are not. Others repaint their houses yellow spell others citrus or soul; and a lot of them meet display their hanged clothes ripe in confront of their houses. Much a scenario which is very frequent testament sure create the full construct belittle in duration.
Be that as it may, I still anticipate it's angelical to own a socialized or low value construction far outperform than dealings for the quietus of one's life. But let this promotion be penned to literal users and developers of the goods. Any investor who is not a individual but decides to buy in the expectation that belongings income can work him own individual homes, will certainly get in to reach with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to block him? I just and fain part my ideas based on literal see and noesis on concrete estate laws.
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