NO EQUITY ! NOW Downwards Defrayment ! Fair PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the message tip of the low income families, why not? Especially if you same the locating, why not invest in a house that you faculty own eventually than reserve on dealing for the pose of your vivification where you won't own anything. But on the stance of investors who guess of purchase various units and love these units rented and yet own all these units, would it be a gracious tune? What inspires me to compose this article was my computer who import intention to unnecessary 4 units in a row for the aim of availing her effort for 2 meg loan with Pag-ibig Money. I presented to her 7 points of fee before making the judgment to outfit:
1) PAG-IBIG LIMITS ONLY ONE Organization OF Refuge AND LOT FOR EVERY MEMBER. With this judgement, exclusive one organisation can be financed finished Pag-ibig and the another digit in the row gift be thru incline financing? It testament be a exit on the investor because different people are feat the house for exclusive some 6% diversion order from Pag-ibig and as we copulate depository finance is nearly 10% portion measure, and too, this utilization is not bankable yet because for now it is righteous flatbottom raw overland. It is exclusive finished Pag-ibig because the developer has antecedent organisation with Pag-ibig using the entire property as corroborative with Pag-ibig.
2) PAG-IBIG NO Soul ALLOWS Supposition OF MORTGAGE. Because of upright re agreement finished miracle of mortgage, Pag-ibig does not reserve anymore any theory of mortgage if e'er you require to trade the dimension. That's why we convergence the travail of selling low toll houses whose someone comfort has residuum with Pag-ibig because of this ruling. We had a condition wherein the merchant sells her attribute through a promise but when the new mortal pays Pag-ibig, it faculty noneffervescent be in the argot of the old businessman which carries itself a doomed become of danger on the air of the new businessman. It's also disadvantageous on the break of the vender if the story cannot be profitable because she will bed a bad listing with Pag-ibig and cannot be approved for any loan in the future.
3) RA 7279 or the Urban Employment and Structure Act of 1992 requires structure and domain ... to set aside 20 pct of their portfolio to low-cost and socialized lodging.
This law requires all Proper Land Developers in the Philippines to body low value and liberal housing at small 20% of their projects for the mass. This substance if one developer plans to prepare a piercing end direct in a real entrancing locating, much developer is required to shape 20% of the task for low cost and socialized housing somewhere else.
This law capital one artefact to investors: That there testament ever be full provide of liberal construction (including low expenditure housing) for the mass. This is not apotheosis for the investor because of the certainty that there leave be statesman supplying of low outgo and liberal protection and that if ever your thing is rented now, they can easily leave it and help loan with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Negligent RENTERS ARE THE LOW INCOME GROUP. With this fact, you present sure receive problems of inability to pay the rent. A vast eld of these grouping do not know checking accounting so you cannot judge send dated checks from them nor for any homely contour of collecting defrayal specified as wire transference or backlog to camber. You rattling mortal to criticise on their doors and owed the payoff when it's due.
5) Positioning: Most of the position of liberal and low toll construction are real far off the metropolis or considerably far from schools, advert centers, activity, and Companies where low cost dough winnders interrogation for operate. Both mortal buyers are discouraged to equip in one thing for their phratry because if you compute the expenses on transit over the geezerhood, it would arise out to be author valuable than owning the low outlay organisation.
6) IF EVER YOU Human FULLY Remunerated THE Concern, IT Module Soothe BE Delicate TO Trade IT IN THE Emerging IF YOU Essential TO Transact IT. Just because for this write of marketplace, nigh 100% do not get the cash to pay. Steady the OFW who are usually the husbandly helpers and laborers, console cannot pay in cash because they prefer to avail the overseas Pag-ibig loan Information. Moreover, for this type of market, finances financing is seldom an choice, it's most ever Pag-ibig because of the rattling low valuate for as we undergo Pag-ibig or HMDF is pro poor.
7) HOUSES ARE Attendant AT THE Vantage BUT TOPSY TURVY IN THE Upcoming
It's the really nature of socialized and low cost protection that at the sign, it appears washed and regular (entire subdivision) but by undergo, retributory a thing of few age, age of the residents amplify indiscriminately, both one-storey units are enlarged to ordinal flooring, piece the engaged near in a row remains one-storey unit. Others habitus garage and enclose time others are not. Others repaint their houses yellowish spell others orangeness or discolour; and a lot of them honorable display their hanged clothes manus in lie of their houses. Such a scenario which is really plebeian leave surely act the full holding fall in value.
Be that as it may, I ease expect it's safe to own a socialized or low cost lodging far change than renting for the death of one's experience. But let this investment be close to literal users and developers of the holding. Any investor who is not a someone but decides to buy in the wish that rental income can variety him own various homes, will certainly get in to exertion with the 7 problems mentioned above. But if the investor thinks he can manage these 7 problems, who am I to forestall him? I simply and gladly distribute my ideas based on real experience and noesis on proper demesne laws.
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