HOUSING Deck 3 and 4

6.5 Million

Projected Household Backlog by 2030

3.9 million households

Current Backlog (2011)

Socialized Housing

Price Ceiling: P450,00o and below Target: Poorest sector, maximum subsidy.

Economic Housing

Price Range: P450,000 - P1.7 Million Note: High demand, moderate supply.

Low-Cost Housing

Price Range: P1.7 Million - P3.0 Million Note: Entry-level middle class.

832,046 Households

Unable to afford housing at any market rate (as of 2011).

INVESTMENT PRIORITIES PLAN (IPP)

Core Concept: Economic and Low-Cost Housing is a listed "Preferred Activity" for investment.

20% SOCIALIZED HOUSING REQUIREMENT

All economic/low-cost projects must contribute to socialized housing stock.

Horizontal Projects

20% of total project area or total project cost.

Vertical Projects

20% of total floor area of qualified saleable units.

MODULAR HOUSING COMPONENTS

Scope: Manufacturing of modular systems using indigenous materials.

Requirement: Must have endorsement from AITECH (Accreditation of Innovative Technologies for Housing).

DEMAND SIDE: PAG-IBIG AFFORDABLE HOUSING PROGRAM

Target Audience: Minimum wage earners (Income ≤ Php 17,500/month)

Loan Cap: Up to Php 750,000.

Interest Rates: 4.5% to 6.5% (First 10 years).

Eligible Uses: Purchase of Lot (max 1,000 sqm), House & Lot, Condo, or Construction.

Industry Challenges & Innovations (High-Rise Regulation Conflicts)

Conflict: BP 220 vs. Fire Code requirements for accelerographs and sprinkler systems (AFSS) drive up costs.

Industry Challenges & Innovations (New Typology: Socialized MRBs)

Proposal: Medium-Rise Buildings priced at P550k - P840k to enable in-city relocation.

Industry Challenges & Innovations (Reverse Trade Arrangements)

Strategy: Bulk partnerships with material suppliers (e.g., Boysen, Davies, Mariwasa) to lower construction costs.

The Three Tiers of BLISS Development (Neighborhood Community)

Target: 50-100 families
Area: 2.5 Hectares
Scope: 1,600 towns

The Three Tiers of BLISS Development (Agro-Industrial Community)

Target: 100-500 families
Area: 50-200 Hectares
Scope: 77 provinces

BLISS in the Urban Context

Implementation Strategy: The development of depressed communities into organized settlements using medium-rise buildings (MRBs).

Design Philosophy: Uniform concrete structures designed to maximize density while maintaining open spaces.

The Vitas Project: Housing as Resettlement

Constructed in the 1980s to resettle families displaced by the Port Authority's new container terminal.

The “Pink-Painted” Ambition

Described originally as “brand-new, engineer-designed, pink-painted buildings”

The Resident Ultimatum

Residents are generally amenable to relocation, but only if the government can assure livelihood.

The Economic Anchor

Many refuse to leave Tondo specifically citing "proximity to their jobs.'

DHSUD

Department of Human Settlements and Urban Development

HUDCC

Housing and Urban Development Coordinating Council (Defunct/Merged)

HLURB

Housing and Land Use Regulatory Board (Defunct/Reorganized)

HSAC

Human Settlements Adjudication Commission

NHA

National Housing Authority

SHFC

Social Housing Finance Corporation

NHMFC

National Home Mortgage Finance Corporation

HGC

Home Guarantee Corporation

HDMF

Home Development Mutual Fund (Pag-IBIG)

LGU

Local Government Unit

SSS

Social Security System

GSIS

Government Service Insurance System

NEDA

National Economic and Development Authority

DOF

Department of Finance

DPWH

Department of Public Works and Highways

DBM

Department of Budget and Management

PMF

Performance Measurement Framework

DBP

Development Bank of the Philippines

MMDA

Metropolitan Manila Development Authority

NUDHF

National Urban Development and Housing Framework

CLUP

Comprehensive Land Use Plan

ZO

Zoning Ordinance

HOA

Homeowners Association

CMP

Community Mortgage Program

AKPF

Abot-Kaya Pabahay Fund

CTS

Contract-to-Sell

SAI

Supreme Audit Institution

PHC

People's Homesite Corporation (1938)

NHC

National Housing Commission (1945)

PHHC

People's Homesite and Housing Corporation (1947)

MHS

Ministry of Human Settlements (1978)

The Strategic Blueprint: NUDHF

In 1992 (pursuant to RA 7279), the government formulated the National Urban Development and Housing Framework (NUDHF) to guide all spatial and economic growth.

1938

People's Homesite Corporation (PHC) created as the created as the first government housing agency

1945-1947

National Housing Commission (NHC) established, then merged with PHC to form PHHC.

1975

Consolidation into the National Housing Authority (NHA). AlI other agencies abolished.

1978-1986

Placed under the Ministry of Human Settlements (MHS), then under the Office of the President (EO 10).

1986 (EO 90)

Creation of the Housing and Urban Development Coordinating Council (HUDCC).

2019 (RA 11201)

HUDCC and HLURB merge to create the unified Department of Human Settlements and Urban Development (DHSUD).

DHSUD: Orchestrate & Regulate

The Primary National Government Entity for housing, human settlement, and urban development. Focuses on access to and affordability of basic human needs.

HSAC: Adjudicate

Creation: Reorganized from HLURB via RA 11201 (2019). The Mandate: A quasi-judicial body attached to DHSUD for policy, planning, and program coordination only.

NHA: Produce

Creation: Established 1975 (PD 757), reaffirmed by RA 11201 (2019). The Mandate: The sole government agency engaged in direct shelter production.

HGC: Guarantee

Creation: Reorganized 2000 (RA 8763) from the 1950 Home Financing Commission. The Mandate: To guarantee the payment of mortgages, loans, and credit facilities arising from financial contracts exclusively for residential purposes.

NHMFC: Circulate & Liquidate

Creation: Established 1977. The Mandate: Develop and operate a secondary market for home mortgages to increase the availability of affordable housing loans.

SHFC: Finance Socialized Housing

Creation: Established 1987 (EO 272). SHFC Social Mousing Pinance Corporation The Mandate: The lead government agency undertaking social housing programs for the formal and informal low-income sectors.

CMP

Community Mortgage Program Empowering community associations to collectively buy land.

Abot-Kaya Pabahay Fund Program

Providing critical amortization support and development financing.

HDMF (Pag-IBIG): Save & Provide

Creation: RA 9679 (2009). Also known as Pagtutulungan sa kinabukasan: Bangko, Industriya at Gobyerno. The Mandate: A tax-exempt mutual provident savings system with mandatory contributory support from employers.

HDMF Loan & Support Programs

Standard Housing Loans 1. Fully developed residential lot (up to 1,000 sqm). 2. Residential house and lot, townhouse, or condo (inclusive of parking). 3. Home improvement (permanent enhancements to durability/value). 4. Refinancing of existing mortgages (requires 2 years repayment history, no defaults in prior 12 months).

Gabay Pabahay

Loan restructuring to prevent foreclosure/CTS cancellation.

Penalty Condonation:

Affordable terms and non-interest-bearing schemes for low-cost housing.

Maagang Pabahay:

Sale of acquired assets with 15-20% discounts for cash/loan purchases (initially for gov employees).

SSS

ecuring the private sector workforce. Mobilizes massive institutional capital that fundamentally underpins national economic stability and credit systems.

GSIS

Securing the public sector workforce. Provides the long-term capital foundations required for state-backed structural stability.

The LGU Role

LGUs translate NUDHF elements—such as urban competitiveness, poverty reduction, and sustainable communities-into actionable local services and equitable land access.

National Policy

DHSUD guidelines, NUDHF spatial goals.

Capital & Production

NHA physical building, SHFC/HDMF financing.

Local Execution

LGU implementation of CLUPS/ZOs, and HSAC zoning dispute resolution.