Housing

Buildings or infrastructures that individuals and their family may live in that meet certain
federal regulations. Different housing situations vary for individuals and may depend on age,
family, and geography.

Housing in the Philippines

Characterized by the emergence of a continuing demand for affordable housing units in
response of increasing population household size, both urban and rural areas.

The Delivery Process:

Government agencies concerned with housing

 Home development mutual fund

The home development mutual fund or (HDMF), popularly known as Pag-IBIG
fund (Pagtutulungan sa Kinabukasan: Ikaw, bangko, industriya at gobyerno), was created
by virtue of Presidential decree no. 1530 on June 11, 1978.

 Housing And Urban Development Coordinating Council

Housing and urban development coordinating council (HUDCC), created through
Executive Order No. 90, is the highest policy making and coordinating office on shelter.
It is an umbrella organization which consists of heads and four housing agencies such us;
National Housing Authority (NHA), Home Guaranty Corporation (HGC), National Home
Mortgage Finance Corporation (NHMFC), and Housing Land Use Regulatory Board
(HLURB).

 Housing Guaranty Corporation

Processing of guarantee line application, interchangeably known as guaranty
facility, under RA No. 8763 involves the determination of the eligibility of a financial
institution for the guaranty and incentives provided under the law. The guaranty line
extended to the financial institution by the HGXC, is a facility whereby the housing-
related loans and financial transactions may be enrolled for guaranty coverage.

 Government Service Insurance System

The Government Service Insurance System (Filipino: Paseguruhan ng mga
Naglilingkod sa Pamahalaan, GSIS) of the Republic of the Philippines, created by
Commonwealth Act No. 186 passed on November 14, 1936, is mandated to provide and
administer the following social security benefits for government employees: compulsory
life insurance, optional insurance, retirement benefits, disability for world-related
 contingencies and death benefits.

 National Housing Authority

The National Housing Authority (NHA), established by virtue of Presidential
Decree No. 757 dated July 31, 1975, is a government-owned and controlled corporation
operating under the policy and administrative supervision of the Housing and Urban
Development Coordinating Council (HUDCC). The NHA is mandated by Executive
Order No. 90 as the sole government agency to engage in shelter production, focusing its
efforts to provide to homeless, low-income Filipino families.

A. Regulation, including rent control

Government intervenes through regulations of land use and land tenure. Private
developers intending to develop raw lands for housing must secure the necessary permits and
clearances from the Housing and Land Use Regulatory Board and the local governments
concerned. A bidding process determines the private developer that would be allowed to develop
government owned taw lands for housing. Many local government units still have to issue their
respective local and use policies and regulations that will utilization of lands within their
territorial responsibility the absence of National Land Use Code has been a major reason for the
inconsistent land utilization policies are the local level.

Tenurial Assistance
Community resources are mobilized for resolution of land tenure and/or site development
through the Land Tenure Assistance Program (LRAP), Community Mortgage Program (CMP)
and Community Land Acquisition Support Program (CLASP). Under LTAP, the NHA extends
credit assistance to Community Associations for the Acquisition of land they occupy or intend to
be resettled. Under other community-based approaches, the NHA acts as conduit between
community associations/ cooperatives and financing institutions such as the National Home
Mortgage Finance Corporation (NHMFC), Home Development Mutual Fund (HDMF or Pag-
IBIG Fund) and other government and non-government institutions.

B. Productions of Housing Units

The National Housing Authority and the Home Insurance and Guarantee Corporation
operate joint venture programs with the private sector. In general, private builders construct
housing units after posting performance bonds with insurance companies. They are responsible
for everything from procurement of materials and supplies to construction of the housing units.
Payment is made on turn-key basis.

Resettlement Programs
NHA-Administrative Resettlement Program
This involves acquisitions and development of large tracts or laws to generate service lots
or care housing units for families displaced from sites earmarked for government infrastructure
projects and those occupying danger areas such as waterways, esteros and railroad tracks.

Resettlement Assistance Program for Local Government Units

NHA assists in the development of resettlement sites by LGU's under its Resettlement
Assistance Program for LGU's. This is implemented as joint undertaking between the LGU and
NHA. The LGU'S primary contribution is land while the NHA provides funds to cover cost of
land development. LGU's recover project cost from beneficiaries and utilize proceeds exclusively
for projects maintenance or to acquire and/or develop new resettlement sites.

Core Housing Programs

Entails acquisitions and development for raw land as well as construction of housing
units. The Program provides service lots with core housing designed to match the affordability of
target market consisting mostly of low-salarized government and private sector employees.
Under this program, projects are implemented under joint venture arrangement with private
sector or LGU's. Partners invest or contribute equity in the project in terms of lands or funds for
land development and house construction.

Medium Rise Housing Program

An in-city housing alternative that entails the construction of three- to five-stroey
buildings. The Medium Rise Housing Program is implemented directly by NHA, utilizing the
allocation for rhe prgram under RA 7835 and units are made available under lease arrangement.
On the other hand, the Medium Rise Private Housing Program is implemented directly by NHA
or in joint venture with other government agencies and/or the private sector.

C. Finance
The government provides development loans, mortgage take outs, guarantee and tax
breaks to private developers and builders who participate in the National Shelter Program.
Development loans for socialized and economic housing are given at subsidized rates of
interests. The Community Mortgage Program charges a subsidized rate of 6% per year while
developers of low cost housing pay interest rates ranging from 9.5% to 16% under Abot Kaya
Pabahay and the Social Housing Development Loan Program. The Home Insurance and
Guarantee Corporation insures development loans. Under the mortgage take out scheme are the
following

-NHMFC's Unified Home lending Program (UHLP)

-HDMF's Expanded Housing Loan Program
-Home Insurance and Guaranty Corporation's Retail Guaranty Program
-SSS and GSIS housing programs.

The government provides developers financing for large-scale housing production under the
following:

-Social Housing Development Loan

-HIGC's Development Guaranty
-HDMF's Group Land Acquisition Development
-SSS corporate housing program

D. Provision of Infrastructure
The government builds the primary infrastructure. Secondary infrastructures such as on-
site water supply, sewerage and power lines are for the responsibilities of private developers. The
developers may build the housing units or contract private construction companies to produce the
units. On the other hand, homeowner or communities may be involved in the development of
sited and services in community development programs.

Slum Upgrading Programs

Entails acquisition and on-site improvement of occupied lands through introduction of
roads or alleys and basic services such us warer and power. Land tenure issue is resolved through
sale of home lots to bonafied occupants.

Sites and Services Programs

Entails acquisition and development of raw land into service home lots to serve as
alternative to informal settlements as well as catchment areas for immigration and population
growth. This approach is adopted in urban centers where population growth and overspill is
anticipated and where beneficiaries intend to acquire housing oj incremental basis.
 Research Work
In
Housing
(Introduction to Housing)

Submitted By: Jojemar S. Rosario

Submitted To: Arch. Blessie Joy Laguna