housing beyond shelter

HOMELESSNESS AS DEFINED BY SECTION 3 OF RA 7279

o of our nation’s most serious social problems

o individuals or families residing in urban areas whose income or combined household
income falls within the poverty threshold
o individuals or families who do not own housing facilities
o individuals or families who live in makeshift dwellings

HOMELESSNESS CAUSES

o POVERTY
o UNEMPLOYMENT
o DOMESTIC VIOLENCE OR DISABILITY
o DISASTERS

HOMELESSNESS AS A PROBLEM

 PROFESSIONAL SQUATTERS

 individuals or groups who occupy lands without the express consent of the landowner and
who have sufficient income for legitimate housing

 shall not apply to individuals or groups who simply rent land and housing from professional
squatters or squatting syndicates

 non-bona fide occupants and intruders of lands reserved for socialized housing

 persons who have previously been awarded homelots or housing units by the Government
but who sold, leased or transferred the same to settle illegally in the same place or in another
urban area

HOMELESSNESS

o forced to live in places unfit for human habitation or to move from place to place with
their children.
o can lead to depression, mental illness and child neglect.
o drugs and crime afflict the lives of the youth and promote violent gang culture
what is BEYOND SHELTER

Is to connect individuals and families with solutions that will lead to well-being, self-
sufficiency and full participation in the community.

BEYOND SHELTER

 help homeless families move into permanent affordable rental housing in residential
neighborhoods
 provides families with six months to one full year of social services support to enable them to
attain improved social and economic well-being.
 drugs and crime afflict the lives of the youth and promote violent gang culture

PROBLEM

Establishment of stable housing and resettling one’s family brings its own set of challenges. The first
three to six months after leaving the shelter are often the most difficult.

SOLUTIONS

education on landlord/tenant rights and responsibilities.

workshop on life skills concerning issues such as parenting and money management

assistance procuring food and furniture

securing mental health and substance abuse treatment services

PROGRAM PROCESS

Point of Entry

Emergency Shelter / Battered Women’s Shelter.

Temporary Housing Provision of and/or referral to crisis intervention or

short-term housing. (from 1 to 6 months)

Housing Beyond Shelter Program

• Screening for housing and social service needs

• Family Action Plan developed

• Housing search begins

• Family moves to permanent housing:

(for 6 to 12 months)

• Tenant education | Money management | Family & individual counseling | Parenting

education | Health/nutrition counseling |
 • Address children's special needs | Child abuse & neglect intervention & prevention | Job
readiness program

Family moves to permanent housing:

(for 6 to 12 months)

Tenant education | Money management | Family & individual counseling | Parenting education |
Health/nutrition counseling | Address children's special needs | Child abuse & neglect intervention &
prevention | Job readiness program

"Families integrated into communities, therefore attaining improved social and economic well-being."
the evolution of Philippine housing policy

OVERVIEW

• In 2007, there was a backlog of 1.3 million, of which two-thirds was ‘unacceptable housing”
including dilapidated or condemned housing and marginal housing, including informal settlers.

• In 2010, informal settlers in Metro Manila, the country’s economic and political center,
numbered about 580,000.

• Housing conditions are a reflection of the level of economic development.

• Poor Housing is likely to be as much the result of housing policy – the combination of policies
and regulations that determine the efficiency and responsiveness of housing supply

• Housing programs in the Philippines have focused on maximizing the output of new houses and
sites for sale at below market prices via under-priced mortgages, development loans and
guaranties, and other implicit and explicit government subsidies.

• A functioning housing market is one where households can translate their notional demand for
quality housing into effective demand at market prices, and where the supply of housing is
responsive to that demand.

• The slow adjustment in the housing system makes housing markets “suppliers’ markets”,
characterized by excess demand or excessively high market prices.

• On the demand side, households typically require financing to make housing investments.
Without proper credit and property market information however, lenders are not able to serve all
segments of the housing market profitably, particularly at the lower end.

• On the supply side, investments are relatively risky due to the ‘irreversible’ nature of housing,
inherent uncertainties, and the long gestation periods involved in production.

TODAY

 Housing policy is embodied in a national shelter program that features a “total systems
approach to housing finance, production and regulation” and an interacting network of
implementing housing agencies, led by Housing and Urban Development Coordinating
Council (HUDCC).
 Housing policy is embodied in a national shelter program that features a “total
systems approach to housing finance, production and regulation” and an interacting
network of implementing housing agencies, led by Housing and Urban Development
Coordinating Council (HUDCC).
 Agencies are the National Housing Authority (NHA), which produces shelter for the
bottom 30 percent in the income distribution; the National Home Mortgage Finance
Corporation (NHMFC), envisioned as a US style secondary mortgage market
institution; the Home Guaranty Corporation (HGC), which provides guaranties and
other incentives; the Housing and Land Use Regulatory Board (HLURB), which
regulates land use planning and housing development; and the Social Housing Finance
Corporation (SHFC), a subsidiary of the NHMFC which undertakes social housing
 programs for low-income households, such as the Community Mortgage Program
(CMP).
 Three contractual savings institutions - the Home Development Mutual Fund, also
known as the Pag-IBIG Fund, the Social Security System (SSS), and the Government
Service Insurance System (GSIS) – serve as support agencies tasked “to ensure that the
funds required for long-term housing loans are available on a continuous and self-
sustaining basis”.

ACHIEVEMENTS AND COSTS OF HOUSING POLICY TO DATE

Housing was recognized as a strategic economic activity and a more elaborate housing
program was articulated which included:

(i) social housing (e.g. slum clearance, rental tenement construction and resettlement
projects) built and funded by government
(ii) economic housing, built and financed by government,
(iii) Government financing of privately-owned housing. A number of public housing
corporations were established to implement this program

1987 TO 2011

 around 2.4 million households received housing units that were built, financed or
insured with public support, representing about 49 percent of the official target and 30
percent of the estimated backlog per year.
 Of the 2.4 million households, about 21 percent were assisted thru direct production; 22
percent thru urban asset reform programs; and 57 percent thru housing finance,
specifically individual mortgage loans and retail guaranties.