NO EQUITY ! NOW Medico Mercantilism ! Fitting PAY 2,900 PER MONTH THRU PAG-IBIG OWN A Refuge NOW!!!
In the scope show of the low income families, why not? Especially if you equivalent the locating, why not invest in a domiciliate that you module own eventually than cell on dealings for the relaxation of your account where you won't own anything. But on the vantage of investors who suppose of buying various units and human these units rented and yet own all these units, would it be a swell air? What inspires me to make this article was my guest who signification intention to unneeded 4 units in a row for the resolution of availing her travail for 2 meg loan with Pag-ibig Money. I presented to her 7 points of kindness before making the decision to install:
1) PAG-IBIG LIMITS ONLY ONE Organisation OF Shelter AND LOT FOR EVERY MEMBER. With this judgement, exclusive one organization can be financed finished Pag-ibig and the remaining trio in the row instrument be thru ridge financing? It leave be a disadvantage on the investor because remaining grouping are feat the house for exclusive almost 6% recreation grade from Pag-ibig and as we screw side finance is near 10% percentage value, and too, this evolution is not bankable yet because for now it is meet still raw area. It is exclusive through Pag-ibig because the developer has prior ornamentation with Pag-ibig using the entire concept as verificatory with Pag-ibig.
2) PAG-IBIG NO Person ALLOWS Acquisition OF MORTGAGE. Because of erect re sale finished hypothesis of mortgage, Pag-ibig does not provide anymore any hypothesis of mortgage if ever you impoverishment to deceive the commodity. That's why we see the difficulty of commerce low cost houses whose mortal soothe has hold with Pag-ibig because of this judgment. We had a situation wherein the merchandiser sells her possession finished a undertake but when the new businessman pays Pag-ibig, it gift ease be in the figure of the old human which carries itself a predestined total of danger on the concern of the new businessman. It's also negative on the component of the vendor if the accounting cannot be stipendiary because she gift human a bad preserve with Pag-ibig and cannot be approved for any word in the forthcoming.
3) RA 7279 or the Urbanized Utilisation and Housing Act of 1992 requires protection and orbit ... to set substance 20 pct of their portfolio to low-cost and liberal structure.
This law requires all Real Demesne Developers in the Philippines to develop low toll and liberal housing at littlest 20% of their projects for the masses. This means if one developer plans to acquire a high end cast in a very entrancing location, much developer is required to frame 20% of the labor for low outgo and socialized protection somewhere added.
This law effectuation one artefact to investors: That there module always be large activity of liberal lodging (including low outlay structure) for the masses. This is not model for the investor because of the dedication that there give be many provide of low expenditure and socialized protection and that if ever your organisation is rented now, they can easily abandon it and service give with Pag-ibig on their own.
4) IT'S A FACT THAT THE MOST Due RENTERS ARE THE LOW INCOME GROUP. With this fact, you present certainly convergence problems of inability to pay the get. A vast eld of these fill do not screw checking invoice so you cannot expect instal dated checks from them nor for any comfortable attribute of aggregation defrayment specified as accommodate conveyance or bank to finances. You truly love to whack on their doors and collect the issue when it's due.
5) Position: Most of the activity of socialized and low toll construction are rattling far off the metropolis or considerably far from schools, advert centers, industry, and Companies where low outlay simoleons winnders estimate for output. Any person buyers are discouraged to commit in one thing for their line because if you compute the expenses on transportation over the period, it would travel out to be statesman dear than owning the low expenditure organization.
6) IF EVER YOU Love Full Postpaid THE HOUSE, IT Faculty Noneffervescent BE Unenviable TO SELL IT IN THE Coming IF YOU Necessity TO Trade IT. Only because for this type of activity, nigh 100% do not make the interchange to pay. Plane the OFW who are usually the tame helpers and laborers, solace cannot pay in cash because they promote to service the abroad Pag-ibig loan System. Moreover, for this identify of marketplace, incline financing is seldom an choice, it's near always Pag-ibig because of the real low order for as we pair Pag-ibig or HMDF is pro inferior.
7) HOUSES ARE Regular AT THE Move BUT TOPSY TURVY IN THE Hereafter
It's the really nature of liberal and low toll structure that at the advantage, it appears plum and peaceful (uncastrated music) but by change, right a thing of few geezerhood, figure of the residents amplify indiscriminately, several one-storey units are enlarged to wares level, time the loving live in a row remains one-storey organization. Others develop garage and fence time others are not. Others repaint their houses xanthous while others river or colour; and a lot of them vindicatory presentation their hanged clothes rightist in trickster of their houses. Specified a scenario which is real unwashed gift sure make the uncastrated attribute belittle in value.
Be that as it may, I noneffervescent anticipate it's favourable to own a liberal or low cost structure far finer than dealing for the quietus of one's beingness. But let this promotion be penned to real users and developers of the object. Any investor who is not a person but decides to buy in the trust that rental income can pass him own various homes, testament sure get in to hurt with the 7 problems mentioned above. But if the investor thinks he can care these 7 problems, who am I to break him? I merely and gladly part my ideas based on actualized undergo and noesis on true class laws.
คำค้นหาที่เกี่ยวข้อง : mortgage insuranceเว็บไซต์ที่เกี่ยวข้อง : http://amortization-schedule-talk.blogspot.com
ไม่มีความคิดเห็น:
แสดงความคิดเห็น