HOUSING DELIVERY PROCESS IN THE PHILIPPINES

less than a third

The housing situation in the Philippines faces substantial challenges, with _____ of the population able to afford proper shelter.

3.1 million people

In Metro Manila, _____ are informal settlers, with percentages distributed across various locations such as government and private properties, danger zones, and infrastructure sites.

1. Financial constraints

2. Land availability, and;

3. Unclear land use policies.

The country grapples with a backlog in providing land security and housing for the poor, hindered by:

1. Money

2. Insufficient Knowledge

3. Availability of Land

4. Unemployment Rate

Housing Problems and Social Results

1. High transaction costs due to the confusing and unclear land use policies 

2. Non-cooperation of land owners to engage in the Community Mortgage Program (CMP) 

3. Misinterpretation and/ or non-implementation of local government units (LGUs)

4. Other problems pertaining to housing is the provision of land and housing to internally displaced persons (IDPs) due to natural hazards and armed conflicts

5. Rapid Urbanization and Population Growth

6. High Land Prices and Limited Space

7. Lack of Affordable Financing Options

8. Underinvestment in Social Housing

9. Natural Disasters and Climate Change

Other issues hampering pro-poor land and housing programs:

High transaction costs

Due to the confusing and unclear land use policies

Community Mortgage Program (CMP)

Non-cooperation of land owners to engage in the ?

Community Mortgage Program

CMP

Local government units

LGUs

Provision of land and housing to internally displaced persons (IDPs)

Other problems pertaining to housing is the _____ due to natural hazards and armed conflicts.

Internally displaced persons

IDPs

• over 3.7 million

• 500,000 units

The housing backlog is estimated at ______, with Metro Manila's backlog projected to approach ______.

Subdivision and Housing Developers Association (SHDA)

According to the _____ , the country’s housing backlog is expected to reach 6.5 million units by 2030 if left unaddressed.

6.5 million units by 2030

According to the Subdivision and Housing Developers Association (SHDA), the country’s housing backlog is expected to reach _____ if left unaddressed.

Subdivision and Housing Developers Association

SHDA

Homelessness

The rise in ____ is a growing concern, especially among urban minorities deprived of rights and societal inclusion.

developing nations

While prevalent in industrial countries, the problem hasn’t been widely acknowledged in ______ due to overshadowing squatter issues.

Lack of affordability

This remains a significant hurdle.

Economic growth

This is seen as a fundamental solution, boosting household income and housing affordability. 

1. Increasing housing credit availability

2. Reducing land and production costs

Short-to-medium-term solutions In Affordability and Delivery include:

National Shelter Program (NSP)

This serves as the country's comprehensive approach to aiding low- and middle-income families in securing affordable housing.

National Shelter Program

NSP

The NSP

This encompasses various schemes under Direct and Indirect Housing categories, aiming to engage the private sector in housing delivery and finance.

Direct and Indirect Housing

The NSP encompasses various schemes under _____ categories, aiming to engage the private sector in housing delivery and finance.

The Constitution

This mandates the government to provide decent and affordable housing.

NSP

This has been the primary housing agenda since 1978.

1978

The NSP has been the primary housing agenda since _____ ?

Housing and Urban Development Coordinating Council (HUDCC)

Initially centralized, the management system evolved, leading to the creation of the _____ tasked with coordinating shelter agencies for NSP implementation

Housing and Urban Development Coordinating Council

HUDCC

Housing and Urban Development Coordinating Council (HUDCC)

This is tasked with coordinating shelter agencies for NSP implementation

NSP

From 1978 to present, this has remained the key housing agenda of government.

Housing and Urban Development Coordinating Council (HUDCC)

This no longer exists and has been replaced by DSHUD

DSHUD

HUDCC no longer exists and has been replaced by _____?

1978 to present

From _____, the NSP has remained the key housing agenda of government.

NSP

The program’s objective as well as mechanisms to achieve that objective remain in force today.

National Shelter Program (NSP)

The _____ of the Philippines still exists as of 2025, as it is being implemented by the Department of Human Settlements and Urban Development (DHSUD) and its partner agencies under Republic Act No. 11201, the "Department of Human Settlements and Urban Development Act".

Department of Human Settlements and Urban Development

DHSUD

1. 2025

2. Department of Human Settlements and Urban Development (DHSUD)

3. Republic Act No. 11201

4. "Department of Human Settlements and Urban Development Act"

The National Shelter Program (NSP) of the Philippines still exists as of _____ , as it is being implemented by the _____ and its partner agencies under _____, the_____.

Ministry of Human Settlements (MHS) in 1978

This was served as the umbrella organization of all shelter agencies that had evolved since the 1950’s.

1950’s

Ministry of Human Settlements (MHS) in 1978, which was served as the umbrella organization of all shelter agencies that had evolved since the _____ ?

1. National Housing Authority (NHA)

2. Human Settlements Development Corporation (HSDC)

3. National Housing Commission (NHC)

Ministry of Human Settlements (MHS) in 1978, which was served as the umbrella organization of all shelter agencies that had evolved since the 1950’s. These agencies include the following:

National Housing Authority (NHA)

This in charge of social housing production specifically upgrading of sites and services 

National Housing Authority

NHA

Human Settlements Development Corporation (HSDC)

This is also into shelter production and New Town and Estate developments 

Human Settlements Development Corporation

HSDC

National Housing Commission (NHC)

This supports the HSDC and NHA in shelter production 

National Housing Commission

NHC

1945

NHC was created

1947

The NHC was merged with the People's Homesite Corporation (PHC) to form the People's Homesite and Housing Corporation (PHHC).

1. People's Homesite Corporation (PHC)

2. People's Homesite and Housing Corporation (PHHC).

In 1947, the NHC was merged with the _____ to form the _____

People's Homesite Corporation

PHC

People's Homesite and Housing Corporation

PHHC

1975

The PHHC and other existing housing agencies were dissolved to create the National Housing Authority (NHA) under Presidential Decree No. 757.

1. National Housing Authority (NHA)

2. Presidential Decree No. 757

The PHHC and other existing housing agencies were dissolved to create the _____ under _____ .

Department of Human Settlements and Urban Development (DHSUD)

This was created under Republic Act No. 11201. The NHA is now an attached agency under the administrative supervision of the DHSUD

Republic Act No. 11201

The Department of Human Settlements and Urban Development (DHSUD) was created under _____?

DHSUD

The NHA is now an attached agency under the administrative supervision of the _____?

NHA

This is now an attached agency under the administrative supervision of the DHSUD

Human Settlements Development Corporation (HSDC)

This does not exist as a government entity in 2025; it was abolished in 2013

1. 2025

2. 2013

Human Settlements Development Corporation (HSDC) does not exist as a government entity in _____; it was abolished in _____?

Human Settlements Regulatory Commission (HSRC)

This regulates subdivision development and socialized housing construction 

Human Settlements Regulatory Commission

HSRC

National Pollution Control Commission

NPC

National Environmental Planning Council

NEPC

Housing Finance Corporation (HFC)

This provides mortgage insurance or guarantees to encourage private banks and financial institutions to grant housing loans on easy terms of payment 

Housing Finance Corporation

HFC

National Home Mortgage Finance Corporation (NHMFC)

This acted as a secondary market for housing mortgages 

Secondary market

National Home Mortgage Finance Corporation (NHMFC), acted as a _______ for housing mortgages 

National Home Mortgage Finance Corporation

NHMFC

Home Development Mutual Fund (HDMF)

A provident savings fund maturing after 20 years

Home Development Mutual Fund

HDMF

2025

The Human Settlements Regulatory Commission (HSRC) does not exist as of ____.

Human Settlements Regulatory Commission (HSRC)

It was a predecessor agency to the Housing and Land Use Regulatory Board (HLURB), which was then reconstituted into the Human Settlements Adjudication Commission (HSAC).

1. Housing and Land Use Regulatory Board (HLURB)

2. Human Settlements Adjudication Commission (HSAC)

Human Settlements Regulatory Commission (HSRC) was a predecessor agency to the _____ , which was then reconstituted into the _____.

PAGIBIG

HDMF =

HDMF

PAGIBIG =

Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno

PAGIBIG

Philippine Development Plan 2017-2022

One of the pillars in the _____ focuses on constructing secure communities.

Secure communities

One of the pillars in the Philippine Development Plan 2017-2022 focuses on constructing_____ ?

6.66 million units.

Data from the Department of Human Settlements and Urban Development (DHSUD) indicates that as of December 2022, the country’s unmet housing needs reached ______ ?

1. Department of Human Settlements and Urban Development (DHSUD)

2. December 2022

Data from the _______ indicates that as of ______ , the country’s unmet housing needs reached 6.66 million units.

1. Luzon

2. 2.67 million units or 40.2%

______ accounts for the largest share, requiring ______ of the total housing needs, followed by Mindanao with 1.75 million units (26.2%), and the Visayas with 1.54 million units (23.1%).

1. Mindanao

2. 1.75 million units (26.2%)

Luzon accounts for the largest share, requiring 2.67 million units or 40.2% of the total housing needs, followed by ______ with ______, and the Visayas with 1.54 million units (23.1%).

1. Visayas

2. 1.54 million units (23.1%)

Luzon accounts for the largest share, requiring 2.67 million units or 40.2% of the total housing needs, followed by Mindanao with 1.75 million units (26.2%), and the ______ with ______.

0.7 million units (10.5%)

Meanwhile, the housing requirement in the National Capital Region (NCR) is pegged at ______?

1. Cordillera Administrative Region or CAR (81.6%)

2. Region IV-A (86.0%)

3. NCR (86.8%)

The regions with the lowest occupancy rates were the ______, ______, and ______ ?

1. Luzon (58.6%)

2. Mindanao (22%)

3. Visayas (19.4%)

According to the data from the 2020 Census of Housing and Population, over half of the housing units in the Philippines are located in ______?  followed by ______? and the _______?

2020 Census of Housing and Population,

According to the data from the _______ over half of the housing units in the Philippines are located in Luzon (58.6%), followed by Mindanao (22%) and the Visayas (19.4%)