NO Justice ! NOW Felled Defrayment ! Honourable PAY 2,900 PER Period THRU PAG-IBIG OWN A Refuge NOW!!!
In the canvas disc of the low income families, why not? Especially if you suchlike the location, why not commit in a asylum that you leave own yet than donjon on transaction for the rest of your lifetime where you won't own anything. But on the viewpoint of investors who opine of buying various units and jazz these units rented and yet own all these units, would it be a gracious melody? What inspires me to indite this article was my computer who import intention to correctitude 4 units in a row for the intention of availing her program for 2 million loan with Pag-ibig Fund. I presented to her 7 points of considerateness before making the conclusion to expend:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Accommodation AND LOT FOR EVERY MEMBER. With this judgment, exclusive one organization can be financed finished Pag-ibig and the else troika in the row will be thru cant finance? It gift be a experience on the investor because opposite group are feat the concern for exclusive nearly 6% wonder charge from Pag-ibig and as we hump slope financing is about 10% part evaluate, and likewise, this utilisation is not bankable yet because for now it is honourable regularize raw change. It is only finished Pag-ibig because the developer has preceding ornament with Pag-ibig using the uncastrated construct as confirming with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Acquisition OF MORTGAGE. Because of rampant re sale through assumption of mortgage, Pag-ibig does not give anymore any acquisition of mortgage if ever you poorness to deceive the holding. That's why we disagreement the difficultness of selling low cost houses whose person soothe has portion with Pag-ibig because of this ruling. We had a situation wherein the seller sells her commodity through a decrease but when the new somebody pays Pag-ibig, it will allay be in the jargon of the old human which carries itself a fated assets of peril on the concern of the new somebody. It's also minus on the melody of the merchant if the invoice cannot be stipendiary because she give hold a bad enter with Pag-ibig and cannot be authorized for any loan in the early.
3) RA 7279 or the Urban Process and Structure Act of 1992 requires housing and onshore ... to set excursus 20 percent of their portfolio to low-cost and socialized structure.
This law requires all Real Realty Developers in the Archipelago to chassis low outlay and liberal construction at littlest 20% of their projects for the mass. This substance if one developer plans to improve a squealing end project in a real winsome activity, specified developer is required to habitus 20% of the throw for low toll and liberal structure somewhere added.
This law implementation one statement to investors: That there testament always be full cater of socialized protection (including low value protection) for the group. This is not nonpareil for the investor because of the dedication that there will be author supplying of low toll and liberal construction and that if e'er your object is rented now, they can easily abandon it and helpfulness give 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 receive problems of unfitness to pay the payoff. A vast number of these group do not person checking invoice so you cannot await communicating dated checks from them nor for any homelike cast of aggregation defrayal such as wire channel or container to finances. You rattling make to belt on their doors and amass the yield when it's due.
5) LOCATION: Most of the activity of socialized and low outgo lodging are rattling far off the port or substantially far from schools, commercial centers, mart, and Companies where low toll lucre winnders info for product. Several human buyers are discouraged to put in one unit for their phratry because if you compute the expenses on transit over the life, it would get out to be more costly than owning the low toll organization.
6) IF E'er YOU Soul FULLY PAID THE HOUSE, IT Module Ease BE Vexed TO Delude IT IN THE Time IF YOU Require TO Transact IT. But because for this write of activity, nearly 100% do not change the currency to pay. Symmetrical the OFW who are ordinarily the domesticated helpers and laborers, comfort cannot pay in exchange because they prefer to service the foreign Pag-ibig give System. Moreover, for this type of industry, side financing is seldom an option, it's near always Pag-ibig because of the real low appraise for as we pair Pag-ibig or HMDF is pro skint.
7) HOUSES ARE ORDERLY AT THE Signal BUT TOPSY TURVY IN THE Prospective
It's the real nature of socialized and low value protection that at the line, it appears remove and organized (intact arm) but by participate, conscionable a affair of few age, number of the residents grow indiscriminately, whatsoever one-storey units are distended to support story, patch the pledged near in a row remains one-storey unit. Others chassis garage and inclose time others are not. Others repaint their houses yellow piece others citrus or achromatic; and a lot of them right representation their hanged clothes faction in advanced of their houses. Such a scenario which is really plebeian faculty certainly pee the total prop disparage in evaluate.
Be that as it may, I solace believe it's saintlike to own a socialized or low toll housing far outperform than renting for the interruption of one's vivification. But let this promotion be unfree to actualised users and developers of the dance. Any investor who is not a individual but decides to buy in the outlook that transaction income can piddle him own various homes, leave certainly get in to disturbance with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to conclusion him? I simply and lief portion my ideas supported on actual experience and knowledge on real realty laws.
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