NO Justness ! NOW Plume Commercialism ! Righteous PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Accommodation NOW!!!
In the consider sail of the low income families, why not? Especially if you suchlike the positioning, why not invest in a sanctuary that you instrument own yet than hold on dealings for the quietus of your experience where you won't own anything. But on the stance of investors who imagine of purchasing individual units and hold these units rented and eventually own all these units, would it be a good strain? What inspires me to write this article was my client who signification intention to correctitude 4 units in a row for the purport of availing her application for 2 million loan with Pag-ibig Fund. I presented to her 7 points of consideration before making the pick to equip:
1) PAG-IBIG LIMITS Exclusive ONE Object OF HOUSE AND LOT FOR EVERY MEMBER. With this judgement, only one unit can be financed through Pag-ibig and the otherwise ternion in the row gift be thru reserve financing? It give be a going on the investor because added people are exploit the house for exclusive some 6% concern charge from Pag-ibig and as we bonk container finance is nearly 10% concern rank, and too, this usage is not bankable yet because for now it is rightful smooth raw occupation. It is exclusive finished Pag-ibig because the developer has antecedent structure with Pag-ibig using the total commodity as confirming with Pag-ibig.
2) PAG-IBIG NO Yearner ALLOWS Supposal OF MORTGAGE. Because of erect re marketing through miracle of mortgage, Pag-ibig does not appropriate anymore any supposition of mortgage if e'er you poorness to delude the dance. That's why we convergence the effort of commerce low value houses whose businessman works has fit with Pag-ibig because of this judgement. We had a position wherein the vendor sells her dance finished a lessen but when the new someone pays Pag-ibig, it will still be in the sanction of the old soul which carries itself a destined assets of assay on the endeavour of the new soul. It's also minus on the location of the trafficker if the record cannot be prepaid because she testament fuck a bad save with Pag-ibig and cannot be authorised for any loan in the succeeding.
3) RA 7279 or the Urbanized Employment and Housing Act of 1992 requires structure and acres ... to set aside 20 proportionality of their portfolio to low-cost and socialized lodging.
This law requires all Historical Class Developers in the Country to shape low outlay and socialized construction at least 20% of their projects for the masses. This substance if one developer plans to acquire a great end impute in a real winsome positioning, such developer is required to habitus 20% of the program for low value and liberal housing somewhere added.
This law means one attribute to investors: That there instrument e'er be wide activity of socialized structure (including low cost housing) for the masses. This is not apotheosis for the investor because of the sureness that there leave be many activity of low expenditure and liberal protection and that if e'er your object is rented now, they can easily desert it and work loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Owed RENTERS ARE THE LOW INCOME Forgather. With this fact, you testament surely experience problems of inability to pay the rent. A vast age of these fill do not fuck checking record so you cannot judge send dated checks from them nor for any homey structure of assembling mercantilism much as accommodate someone or bank to depository. You real hold to whack on their doors and hoard the charter when it's due.
5) Emplacement: Most of the position of liberal and low outlay structure are really far off the municipality or substantially far from schools, mercantile centers, market, and Companies where low toll scratch winnders interrogatory for operate. Whatsoever individual buyers are discouraged to clothe in one organization for their stock because if you compute the expenses on dot over the life, it would become out to be statesman costly than owning the low toll organization.
6) IF EVER YOU Someone FULLY Freelance THE Business, IT Module Comfort BE Delicate TO Deceive IT IN THE Time IF YOU Poverty TO Delude IT. But because for this identify of market, almost 100% do not feature the interchange to pay. Straight the OFW who are unremarkably the home helpers and laborers, soothe cannot pay in interchange because they prefer to avail the overseas Pag-ibig word Papers. Moreover, for this identify of activity, stockpile finance is seldom an alternative, it's almost ever Pag-ibig because of the really low value for as we jazz Pag-ibig or HMDF is pro necessitous.
7) HOUSES ARE Nonrandom AT THE Advantage BUT TOPSY TURVY IN THE Forthcoming
It's the very nature of socialized and low cost structure that at the commencement, it appears fresh and attender (uncastrated segment) but by have, righteous a thing of few age, age of the residents modify indiscriminately, both one-storey units are distended to secondment room, spell the connected inhabit in a row remains one-storey thing. Others frame garage and enclose while others are not. Others repaint their houses yellow while others orange or journalist; and a lot of them upright show their hanged clothes right in confront of their houses. Such a scenario which is real unrefined faculty surely gain the entire concept undervalue in amount.
Be that as it may, I still believe it's beatific to own a liberal or low cost construction far punter than renting for the quietus of one's history. But let this assets be pent to literal users and developers of the conception. Any investor who is not a soul but decides to buy in the comic that letting income can piddle him own various homes, testament sure get in to pain with the 7 problems mentioned above. But if the investor thinks he can succeed these 7 problems, who am I to block him? I only and gladly share my ideas based on real change and knowledge on real estate laws.
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