68668472
68668472
68668472
PHILIPPINES
AR171-1 -A71/B71
Ar. Don G. De Vera, uap
Metro Manila alone, there are 3.1 M informal settlers;
23% government land, 22% in private properties
HOUSING PROBLEMS/ SOCIAL ISSUES
The Philippines is beset with a huge backlog in providing for land security and housing
for the poor. Two basic problems being faced by the government in realizing a
successful housing program are:
• Money
• Availability of land
b) Indirect Housing
(iv) home mortgages and
(v) guarantees.
HOUSING AND THE GOVERNMENT AND ITS DELIVERY SYTEM
These agencies include the following:
1. National Housing Authority (NHA)
2. Human Settlements Development Corporation (HSDC)
3. National Housing Commission (NHC)
4. Human Settlements Regulatory Commission (HSRC)
5. National Pollution Control Commission (NPCC)
6. National Environmental Planning Council (NEPC)
7. Housing Finance Corporation (HFC)
8. National Home Mortgage Finance Corporation (NHMFC)
9. Home Development Mutual Fund (HDMF)
Housing and Urban Development Coordinating Council
(HUDCC)
MEDIUM COST
Price Range : From P 3,000,000 to P 4,000,000
Lot Area : minimum of 100 sqm
Floor Area : minimum of 70 sqm
-OPEN MARKET
Price Range : From P 4,000,000 and
Density
LOCAL FRAMEWORK OF HUDCC
KEY SHELTER AGENCIES
National Housing Authority (NHA)
Vision
By 2019, NHA would have provided 50% of the housing needs for homeless low-
income families living in danger areas, government infrastructure project sites and
government-owned lands in Metro Manila and all regions.
Mission
We provide decent, adequate and affordable housing to low-income families and
ensure the provision of community facilities and access to utilities, social services and
economic opportunities.
Core Functions
1. Development and implementation of a comprehensive and integrated program:
• Housing Development
• Relocation and Resettlement
• Community Empowerment
• Asset Development and Management
2. Enabling LGUs, civil society organizations (CSOs), private sectors and participating
stakeholders to improve capabilities for housing development and delivery.
PROGRAMS AND APPROACHES
1. Regular Programs
A. Resettlement Program
The following spectrum of alternative site locations are considered:
• On-site/land sharing
• Near-site
• In-barangay
• In-city/in-town (high density housing)
• Near-city/near town
• Out-of-city/out-of-town
D. Settlements Upgrading
E. Multi-level Housing
F. Housing for Low-Income Formal Sector
G. Community-Based Housing Programs
H. Housing for Indigenous Peoples
I. Technical Assistance
SPECIAL PROGRAMS
A. Housing Programs for Informal Settler Families Residing in Danger Areas in Metro
Manila
• Involves relocation and resettlement of families residing in or along danger areas in
Metro Manila particularly those along waterways such as creeks, rivers and esteros.
• Undertaken mainly through in-city multi-storey housing development utilizing
government owned land
• Off-city Resettlement where in-city projects are not feasible
• Also covers implementation of alternative in-city project schemes proposed by
program stakeholders (e.g. CSOs/LGUs)
• Funded out of the Php50.0 Billion fund released for said purpose
RULE III, ARTICLE 8. Corporate Powers and Functions. The Corporation, in addition to
the regular powers and functions provided under section 36 of the Corporation Code,
shall have the following powers and functions, subject to the limitations hereinafter
provided:
a. To promote Home building and land ownership, giving primarily preference to
the homeless and under privileged sectors of the society;
b. To guaranty the payment in favor of any natural or juridical person, of any and all
forms of mortgages, loans and other forms of credit facilities and receivables
arising from financial contracts exclusively for residential purposes and the
necessary support facilities thereto;
c. To assist private developers to undertake socialized, low and medium-cost mass
housing projects by encouraging private funds to finance such housing projects
through a viable system of long-term mortgages, guaranties and other incentives;
d. To pursue the development and sustainability of a secondary mortgage market
for housing as the primary strategy to encourage private sector participation in
housing finance. The Corporation shall undertake such programs and measures
using the guaranty cover as enhancement to encourage trading by the public in a
secondary market for housing mortgages, bonds, debentures, notes and securities;
e. To underwrite purchase, own, sell, mortgage or otherwise dispose of stocks, bonds,
debentures, securities and other evidence of indebtedness issued in connection with the
powers enumerated in the Act: Provided, it shall not engage in direct mortgage lending
activities;
f. To borrow money and/or to issue bonds, debentures, securities, collaterals, notes and
other obligations, in both local and foreign currencies, subject to the limitations provided in
Art. 19 hereof;
g. To promote housing by the aided self-help method whereby families with some outside
aid build their own houses with their own houses with their own labor; to provide technical
guidance to such families; to guaranty loans to such families on first liens on the house and
land with such other security and conditions as the Corporation shall determine, providing
at least for ultimate recovery of principals; and to do all other activities as are relevant and
significant in such a program of aided self-help for housing;
h. To adopt, alter and use a corporate seal; to enter into contracts; and to sue and be sued
in its Corporate name in any court of competent jurisdiction;
i. To acquire , purchase, own, hold, manage, administer, operate, develop, lease, pledge,
mortgage, exchange, sell, transfer or otherwise dispose of real and personal property with
every kind and description, monies and funds, or any
interests therein as may now be necessary to effectively carry out the purposes,
objectives and functions of the Corporation;
j. To do any and all acts and things and to exercise all powers, which maybe necessary
or convenient to the accomplishment or furtherance of its purposes and objectives, or
which a natural person can do and exercise and which may now be or hereafter
authorized by law.
CHALLENGES ENCOUNTERED
A. Finding land that are suitable for resettlement
• For 205,128 at 150 units per hectare, 1,367 Hectares are needed.
• Funding Requirement –P59.9B plus P1.3B for community facilities (total of P61.2B).
• Land should be titled
• Land should be in safe areas (not susceptible for flooding, land slides, storm surge,
tsunami, and on earthquake fault line)
• Clearances should be secured from MGB and PHIVOLCS
ELIGIBILITY REQUIREMENTS
To qualify for a Pag-IBIG housing loan, a member shall satisfy the following
requirements:
1. On Pag-IBIG Membership
2. Not more than sixty-five (65) years old at the date of loan application and must be
insurable; and not more than seventy (70) years old at loan maturity;
3. Has the legal capacity to acquire and encumber real property;
4. Has passed satisfactory background/credit and employment/business checks of Pag-
IBIG Fund;
5. If with existing Pag-IBIG housing account, either as principal or co-borrower, said
loan must be updated.
6. Has no outstanding Pag-IBIG short-term loan in arrears at the time of loan
application.
7. Had no Pag-IBIG housing account that was foreclosed, cancelled, bought back due
to default, or subjected to dacion en pago.
National Home Mortgage Finance Corporation
(NHMFC)
Reverse Mortgage Program (RMP) – is a financial product which specifically caters to Senior
Citizens where senior citizens can convert a portion of their home equity into cash to address
their needs. People who are entitled to avail are homeowners who are 60 years old and above.
e-Payment Service for Juan & Juana – a method of paying monthly amortization through a
cellphone.
Social Housing Finance Corporation (SHFC)
D. Assumption of Mortgage
Government Service Insurance
System (GSIS)