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HOUSING AND DELIVERY SYSTEM IN THE

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

Other issues hampering pro-poor land and housing programs:


• High transaction costs due to the confusing and unclear land use policies
• Non-cooperation of land owners to engage in the Community Mortgage
Program (CMP)
• Misinterpretation and/ or non-implementation of local government units
(LGUs)
• Other problems pertaining to housing is the provision of land and housing to
internally displaced persons (IDPs) due to natural hazard and armed conflicts.
HOUSING AFFORDABILITY AND DELIVERY
• lack of affordability
• provides employment and income to households
• lowering the cost of land and housing production

GOVERNMENT HOUSING STRATEGIES


The National Shelter Program (NSP)
• five major schemes categorized under two main groups:
a) Direct Housing
(i) housing production;
(ii) community programs;
(iii) developmental loans; and

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)

HUDCC is tasked to:


• Formulate national objectives for housing and urban development and to
design strategies for the accomplishment of these objectives;
• Determine the participation and coordinate the activities of the key
government housing agencies in the national housing program;
• Monitor, review and evaluate the effective exercise by these agencies of their
assigned functions;
• Assist in the maximum participation of the private sector in all aspects of
housing and urban development;
• Recommend new legislation and amendments to existing laws as may be
necessary for the attainment of government’s objective in housing;
• Formulate the basic policies, guidelines and implementing mechanisms for the
disposal or development of acquired or existing assets of the key housing
agencies;
• Exercise or perform other powers and functions as may be deemed necessary,
proper or incidental to the attainment of its purpose and objectives.
Legal Basis
• Executive Order No. 90 (December 17, 1986) created the Housing and Urban
Development Coordinating Council (HUDCC).
• Republic Act No. 7279 (March 24, 1992) mandated HUDCC through the key
shelter agencies to formulate a national Urban Development & Housing (UDH)
framework and to report on its implementation.
• Republic Act No. 7835 (December 16, 1992), or the Comprehensive and
Integrated Shelter Finance Act, empowered HUDCC to determine the loanable
amounts for socialized/low-cost housing limit eligible for development
financing.
• Executive Order No. 153 (December 10, 2002) directed HUDCC to take the lead
in the identification, curtailment, and monitoring of professional squatters and
squatting syndicates.
• Memorandum Order No. 102 (s.2003) mandated HUDCC to oversee and fast
track through appropriate project schemes and contractual arrangements the
implementation and development of housing projects in areas proclaimed as
housing sites.
• Executive Order No. 577 (November 17, 2006) placed the Urban Asset Reform
Project Management Office (UARPMO) under the supervision and control of the
HUDCC.
House Categories Under Housing and Urban
Development and Coordinating Council
(HUDCC)
Below are the categories, the corresponding price range and a brief description of
each.
SOCIALIZED HOUSING
Price Range : P 300,000 or lower
Lot Area : 30 sqm to 50 sqm
Floor Area : 18 sqm to 30 sqm

LOW COST LEVEL 1


Price Range : From P 300,000 To P 1,250,000
Lot Area : 50 sqm to 100 sqm
Floor Area : 35 sqm to 55 sqm

LOW COST LEVEL 2


Price Range : From P 1,250,000 to P 3,000,000
Lot Area : 100 sqm to 150 sqm
Floor Area : 80 sqm to 120 sqm

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

B. Regional Resettlement Program

C. Housing Assistance for Calamity Victims

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

B. AFP/PNP Housing Program


• A 5-year program intended to provide permanent housing facilities for low-income
military and police personnel.
• A flagship project of the President of the Philippines for the Armed Forces of the
Philippines (AFP), Philippine National Police (PNP), Bureau of Jail Management and
Penology (BJMP), and the Bureau of Fire Protection (BFP) personnel. Implemented
under AO No. 9 dated 11 April 2011
DELIVERY SCHEMES AND APPROACHES
1. Direct Delivery
2. Community-Initiative Approach (CIA)
3. Joint Venture
4. Technical Assistance

THE QUALITY MANAGEMENT SYSTEM


GENERAL REQUIREMENTS
Scope
The NHA QMS shall cover the core processes as follows:
1. Pre-Implementation Phase
2. Implementation Phase
3. Post-Implementation
NATIONAL HOUSING AUTHORITY
TYPHOON “YOLANDA” PERMANENT HOUSING
PROGRAM
05 November 2015
HOUSING NEED
Housing and Land Use Regulatory Board (HLURB)

MANDATES (HLURB in retrospect)


1. PLANNING: (EO 648; EO 72; RA 7279)
- Formulate guidelines for Comprehensive Land Use Plans (CLUPs)
- Render technical assistance to LGU’s in CLUP preparation and to members of Provincial
Land Use Committee (PLUC) and Regional Land Use Committee (RLUC) in CLUP Review.
- Review and ratify CLUPs of highly urbanized cities (HUCs) and independent component
cities (ICCs) and review CLUPs of Metro Manila
- Update and revise the National Urban Development and Housing Framework under the
direction of HUDCC
- Train LGUs in subdivision plan approval and zoning enforcement
2. REGULATION: (EO 648; EO 90; EO 71; EO 72; PD 957, 1216, 1344; BP 220; RA 7899; RA 9904;
RA8763 (Sec.26))
- Register and license subdivision and condominium projects, farm lots, memorial parks and
columbaria.
- Monitor development and construction of registered/licensed projects.
- Update and revise rules, guidelines and standards on housing and real estate.
- Approve Master Deed and Declaration of Restrictions of condominium project, and any
amendment or revocation thereof decided upon by a simple majority of all registered
owners (concurrently with City or Municipal Engineer).
- Issue Locational Clearances for projects considered to be of vital and
National or Regional Economic or Environmental significance.
- Register and supervise HOAs.
- Register real estate brokers, dealers and salesmen engaged in selling
projects under HLURB jurisdiction.

3. ADJUDICATION: (EO 648; RA 9904, 8763 (Sec. 26))


- Disputes between subdivision lot or condominium unit buyer and
developer.
- Intra- and Inter-Homeowners associations disputes.
- Appeals from decisions of local zoning bodies.
Home Guaranty Corporation (HGC)

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

B. Bidding/Procurement Process will take 3 months


C. Permits and Licenses from Government Agencies
• DAR conversion & NIA clearance if land is agriculture
• Development permit from Local Government Unit
• ECC from DENR
• Tax excemption from BIR
Home Development Mutual Fund (HDMF, also
known as PAG-IBIG Fund)
Two (2) modes of applying for a Pag-IBIG housing loan:
• Developer-Assisted - the developer assists the member in his/her
housing loan application.
• Retail - the member applies directly to the Fund.

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)

Programs and Services:


Housing Loan Receivables Purchase Program (HLRPP) – is an alternative venue for housing
developers, banks, Local Government Units, cooperatives, and other financial institutions with
housing programs to sell qualified housing receivables directly to NHMFC.
Purpose(s):
Provide liquidity to the housing sector through securitization of mortgages/assets.
Promote stability to the housing finance system through participation in the capital market.
Establish an efficient and effective organization with a professional workforce utilizing best
practices.
Maintain efficiency in operation and efficacy in financial management to ensure
sustainability of its programs.
Manage its subsidiaries efficiently and effectively.

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)

Programs and Services:


Localized Community Mortgage Program (LCMP) – is a modified community mortgage
program which extends financial assistance for the acquisition of the land occupied by the
constituents of the local government unit or the land where they will be relocated through
the concept of community ownership, with the land primarily mortgaged to SHFC.
Community Mortgage Program (CMP) – is a mortgage financing program which assists
legally organized associations of residents of blighted or depressed areas to own the lots
they occupy, providing them security of tenure and eventually improve their neighborhood
and homes to the extent of their affordability.
The CMP aims to improve the living conditions of homeless and underprivileged citizens by
providing them affordable financing with which they can secure tenure on the land they
occupy.
Abot-Kaya Pabahay Fund Developmental Loan Program (AKPF - DLP) – aims to provide
low-income families in key urban areas affordable houses by financing site
development/improvements and house/building construction in CMP and other socialized
housing projects.
Social Security System (SSS)

A. Direct Housing Loan Facility for Workers’ Organization Members

B. Direct Housing Loan Facility for Overseas Filipino Workers

C. House Repair or Improvement Loan

D. Assumption of Mortgage
Government Service Insurance
System (GSIS)

A. GSIS Family Bank Home Loans


GSIS previously offer housing loans in a private capacity, via the GSIS Family Bank. GSIS
currently owns a 99.6 percent stake in the bank, and through it offered housing loans to
individual/single proprietors, employed individuals, OFWs, and partnerships and
corporations.

B. Home Loans via PAG-IBIG


As GSIS decided to wind down its direct lending program due to lackluster housing
performance of the pension fund, it decided to instead forge partnerships with key shelter
agencies (KSA), which has the proven expertise on home lending. No KSA is more widely
recognized than the Pag-IBIG fund, and GSIS signed a credit facility agreement and provided
an initial allocation of Php5 billion to finance the housing loans of GSIS members and
pensioners.
One of their consumer loans is the housing loan. The maximum loanable value depends
on the purpose of the loan. Qualified borrowers can avail themselves a maximum loan
term of 20 years, provided that they are employed or self-employed, have been residing
in their present address for at least five years, the property’s monthly amortization does
not exceed 50% of their monthly net income, and they will not be over 65 years old by
the time the loan is fully paid.
Housing Programs
• LBP Pabahay Program
• Bahay para sa Bagong Bayani
• CFIs Home Lending Program
• LBP Easy Home Loan Program
• LBP-NHA Cooperative Pabahay Program
NON-GOVERNMENT
ORGANIZATION THAT HELP
HAIYAN VICTIMS BUILD HOUSES
ISSUES ON HOUSING DELIVERY SYSTEM
ISSUES ON HOUSING DELIVERY SYSTEM
• Delays in procurement of toilet materials/ septic tanks/ CGI sheets/ coco
lumber
• Beneficiaries not occupying their direct-build shelters
• Quality of materials
• Delay in beneficiary completion of requirements for each tranche
• Proper encouragement and motivation to complete construction
• Sensitization and mobilization: creating a shared understanding of the project
and its sustainability
• Navigating difficult community situations and promoting ownership
• Misuse of money by beneficiaries (funds spent on debt, livelihoods, food,
appliances, travel, and other basic needs)
• Beneficiaries overseeing construction
• Lack of technical knowledge in construction
• Beneficiaries procuring good quality materials
• Budgeting for construction
• Difficulties with Category B/C (repairs) using concrete and masonry
• Distribution of cash
• Land issues
• Reaching a wide audience for hygiene
promotion
• Social aspects can hinder/ enable project
THANK YOU

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