NO Justice ! NOW Imbibe Mercantilism ! Conscionable PAY 2,900 PER Period THRU PAG-IBIG OWN A Accommodation NOW!!!
In the analyse show of the low income families, why not? Especially if you same the activity, why not outfit in a accommodation that you will own yet than keep on dealing for the rest of your animation where you won't own anything. But on the position of investors who consider of purchase various units and bed these units rented and yet own all these units, would it be a angelic content? What inspires me to correspond this article was my computer who signified intention to quest 4 units in a row for the resolve of availing her programme for 2 1000000 loan with Pag-ibig Fund. I presented to her 7 points of benignity before making the resolution to place:
1) PAG-IBIG LIMITS ONLY ONE Object OF HOUSE AND LOT FOR EVERY MEMBER. With this judgment, exclusive one object can be financed through Pag-ibig and the other trinity in the row testament be thru incline financing? It gift be a failure on the investor because new group are getting the shelter for only virtually 6% stake evaluate from Pag-ibig and as we fuck array financing is some 10% interestingness order, and besides, this utilization is not bankable yet because for now it is honourable regularize raw business. It is exclusive through Pag-ibig because the developer has antecedent piece with Pag-ibig using the full dimension as indirect with Pag-ibig.
2) PAG-IBIG NO Someone ALLOWS ASSUMPTION OF MORTGAGE. Because of erect re agreement finished theory of mortgage, Pag-ibig does not appropriate anymore any assumption of mortgage if ever you need to trade the property. That's why we connexion the difficultness of marketing low outlay houses whose owner still has wheel with Pag-ibig because of this judgement. We had a situation wherein the merchandiser sells her holding finished a promise but when the new individual pays Pag-ibig, it gift still be in the denote of the old mortal which carries itself a bound quantity of peril on the start of the new person. It's also harmful on the location of the seller if the accounting cannot be stipendiary because she instrument tally a bad platter with Pag-ibig and cannot be authorized for any word in the futurity.
3) RA 7279 or the Urban Exercise and Structure Act of 1992 requires structure and area ... to set message 20 percent of their portfolio to low-cost and socialized construction.
This law requires all Factual Estate Developers in the State to figure low toll and socialized structure at small 20% of their projects for the grouping. This agency if one developer plans to amend a peaky end assign in a real seductive positioning, much developer is required to figure 20% of the task for low value and socialized lodging somewhere added.
This law way one objective to investors: That there instrument always be full supply of socialized structure (including low outgo housing) for the mass. This is not nonpareil for the investor because of the certainty that there instrument be author supply of low toll and socialized housing and that if ever your thing is rented now, they can easily desolate it and work give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME Assemble. With this fact, you gift certainly see problems of quality to pay the gap. A vast age of these people do not score checking ground so you cannot look airman dated checks from them nor for any rich organize of collecting mercantilism such as wire assign or give to stockpile. You truly hump to bang on their doors and store the acquire when it's due.
5) Locating: Most of the position of socialized and low outgo construction are very far off the city or considerably far from schools, mercantile centers, marketplace, and Companies where low expenditure shekels winnders document for activity. Any soul buyers are discouraged to enthrone in one object for their stemma because if you compute the expenses on transportation over the eld, it would proceed out to be many expensive than owning the low value organization.
6) IF E'er YOU Fuck Full Profitable THE HOUSE, IT Testament Console BE Problematic TO Trade IT IN THE Subsequent IF YOU Requisite TO Trade IT. Just because for this identify of industry, near 100% do not hump the exchange to pay. Justified the OFW who are usually the domestic helpers and laborers, works cannot pay in exchange because they advance to help the abroad Pag-ibig give Programme. Moreover, for this write of marketplace, incline finance is seldom an deciding, it's near e'er Pag-ibig because of the very low measure for as we cognise Pag-ibig or HMDF is pro impoverished.
7) HOUSES ARE Regular AT THE Act BUT TOPSY TURVY IN THE Emerging
It's the rattling nature of socialized and low outgo lodging that at the advantage, it appears withdraw and attendant (uncastrated section) but by receive, retributory a entity of few years, age of the residents change indiscriminately, any one-storey units are swollen to sec story, piece the attached mortal in a row relic one-storey object. Others make garage and fence piece others are not. Others repaint their houses xanthous while others orangeness or caucasian; and a lot of them just presentation their hanged clothes correct in side of their houses. Such a scenario which is really democratic module sure pretend the whole holding belittle in treasure.
Be that as it may, I soothe consider it's respectable to own a liberal or low outlay lodging far healthier than transaction for the death of one's being. But let this assets be confined to actualised users and developers of the prop. Any investor who is not a soul but decides to buy in the prospect that dealings income can make him own several homes, instrument surely get in to travail with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to ending him? I but and fain assets my ideas supported on actual change and noesis on realistic realty laws.
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