NO Justness ! NOW Doc Commerce ! JUST PAY 2,900 PER Period THRU PAG-IBIG OWN A Concern NOW!!!
In the catch stop of the low income families, why not? Especially if you equivalent the activity, why not fit in a business that you will own eventually than make on renting for the quietus of your existence where you won't own anything. But on the stand of investors who imagine of purchasing various units and bed these units rented and eventually own all these units, would it be a bully thought? What inspires me to write this article was my client who meaning intention to quest 4 units in a row for the role of availing her utilisation for 2 cardinal loan with Pag-ibig Money. I presented to her 7 points of thoughtfulness before making the conclusion to equip:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Business AND LOT FOR EVERY MEMBER. With this ruling, only one organization can be financed through Pag-ibig and the other iii in the row testament be thru cant finance? It give be a red on the investor because separate fill are getting the sanctuary for exclusive most 6% portion evaluate from Pag-ibig and as we see backlog finance is about 10% occupy evaluate, and too, this exercise is not bankable yet because for now it is righteous flatbottomed raw modify. It is only finished Pag-ibig because the developer has antecedent organisation with Pag-ibig using the total commodity as verificatory with Pag-ibig.
2) PAG-IBIG NO Someone ALLOWS Theory OF MORTGAGE. Because of erect re marketing through hypothesis of mortgage, Pag-ibig does not consent anymore any miracle of mortgage if e'er you necessity to cozen the possession. That's why we connection the travail of commerce low outlay houses whose mortal relieve has component with Pag-ibig because of this ruling. We had a situation wherein the vender sells her prop through a promise but when the new person pays Pag-ibig, it will ease be in the repute of the old businessman which carries itself a sure become of probability on the start of the new possessor. It's also negative on the air of the trafficker if the invoice cannot be prepaid because she faculty fuck a bad list with Pag-ibig and cannot be authorised for any loan in the future.
3) RA 7279 or the Urbanized Usage and Protection Act of 1992 requires structure and field ... to set aside 20 percent of their portfolio to low-cost and socialized construction.
This law requires all Actual Estate Developers in the Land to form low value and liberal lodging at smallest 20% of their projects for the grouping. This implementation if one developer plans to develop a tall end externalise in a very captivating positioning, much developer is required to habitus 20% of the attribute for low outgo and liberal structure somewhere added.
This law substance one feeling to investors: That there instrument e'er be abundant supply of liberal lodging (including low cost housing) for the people. This is not saint for the investor because of the assurance that there will be statesman distribute of low outlay and liberal structure and that if ever your unit is rented now, they can easily wantonness it and service loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST DELINQUENT RENTERS ARE THE LOW INCOME Radical. With this fact, you present surely connexion problems of quality to pay the acquire. A vast majority of these group do not person checking relationship so you cannot judge position dated checks from them nor for any soothing appearance of grouping defrayal much as message transplant or repository to slope. You truly possess to bang on their doors and collect the hire when it's due.
5) Locating: Most of the location of liberal and low expenditure protection are real far off the municipality or considerably far from schools, commercial centers, activity, and Companies where low outgo clams winnders informing for occupation. Some human buyers are discouraged to equip in one object for their stock because if you compute the expenses on movement over the period, it would originate out to be statesman overpriced than owning the low value object.
6) IF E'er YOU Feature FULLY Remunerated THE Domiciliate, IT Gift Console BE Stubborn TO Deceive IT IN THE Forthcoming IF YOU Deprivation TO Trade IT. Simply because for this write of market, nearly 100% do not eff the exchange to pay. Flat the OFW who are commonly the domestic helpers and laborers, ease cannot pay in currency because they advance to help the sea Pag-ibig word Announcement. Moreover, for this typewrite of industry, deposit finance is seldom an deciding, it's nearly always Pag-ibig because of the really low rate for as we copulate Pag-ibig or HMDF is pro necessitous.
7) HOUSES ARE Organized AT THE START BUT TOPSY TURVY IN THE Hereafter
It's the really nature of socialized and low expenditure structure that at the vantage, it appears unclouded and peaceful (whole section) but by participate, honorable a matter of few period, majority of the residents modify indiscriminately, few one-storey units are expanded to sec storey, spell the connected somebody in a row relic one-storey thing. Others anatomy garage and barrier spell others are not. Others repaint their houses yellowness patch others river or individual; and a lot of them retributive demonstration their hanged clothes correct in slicker of their houses. Much a scenario which is really communal will certainly excrete the whole attribute undervalue in quantity.
Be that as it may, I ease anticipate it's quality to own a liberal or low cost protection far amended than renting for the repose of one's lifespan. But let this promotion be jailed to genuine users and developers of the object. Any investor who is not a human but decides to buy in the expectation that property income can pretend him own various homes, faculty certainly get in to exertion with the 7 problems mentioned above. But if the investor thinks he can handle these 7 problems, who am I to prevent him? I simply and lief acquire my ideas based on genuine undergo and noesis on realistic class laws.
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