COLLAGE/DEPARTMENT: Department of Architecture and Fine Arts

SUBJECT: AR Housing L & S-Housing in Human Settlements

TIME SCHEDULE: wed 9:30 A.M-12:30 P.M, Thu 9:30 A.M-1:30 P.M
Date: May 10, 2023

RESEARCH WORK NO.: RESEARCH WORK No. M1

RESEARCH WORK TITLE: Housing in the Philippines
RESEARCH WORK DUE: May 10, 2023

Reference/s:
Book:

Angeles, E. S. (1985). Public Policy and the Philippine Housing Market. APO.
NEDA. (2023). PHILIPPINE DEVELOPMENT PLAN. f
Website:
Pettinger, T. (2021, May 27). factors affecting the supply and demand of housing. Retrieved from
Economicshelp.org: https://www.economicshelp.org/blog/15390/housing/factors-affecting-supply-
and-demand-of-housing/
PSA. (2013, September 12). Statistics for Housing. Retrieved from Psa.gov.ph:
https://psa.gov.ph/sites/default/files/6.6.3%20Statistics%20for%20Housing%20Policy.pdf

STUDENT: Julaton, Hervey Kate A.

INSTRUCTOR: Ar. Nikanor K. Latogan MS Arch.

I. Introduction/Background
Housing has been always a big part of the growing human settlements in the
Philippines. Most Philippine Governments provide Housing projects to help
 every Filipino family to have affordable, simple yet functional homes that are
available in the market. Housing is a dwelling strategy system supporting more
cost-efficient but unfortunately due to the growing poverty of the Philippines,
Housing remains inaccessible for millions of Filipinos because they cannot afford
it, especially low-income large families as well as those who live in highly
urbanized cities. It further implies that poor families, even if they are given the
opportunity to avail of socialized housing, they will not be able to pay even if its
through installment. In other words, poor families would experience housing
stress even at the price ceiling intended to facilitate their access to housing.

II. Objective of this research

1. To define and understand Housing in the Philippines
2. To identify the factors affecting housing needs
3. To laws and government approach to solving housing problems

III. Contents
(Pettinger, 2021) states that there are seven factors affecting the house’s needs, these are 1.
Affordability,2. Confidence, 3. Interest Rates,4. Population,5. Mortgage Availability,6.
Economic growth and real incomes and lastly 7. Cost of renting.
1. Affordability. People are now able to afford to spend more on housing because of
rising salaries. Demand for homes tends to increase during periods of economic
expansion. Additionally, housing tends to be a luxury product in demand. In other
words, a gain in income leads to a greater % rise in demand.
2. Confidence
Consumer confidence affects how many homes are demanded. It mostly relies on how
optimistic individuals are about the direction of the economy and property market.
Demand will increase if individuals anticipate price increases, allowing them to
benefit from increased wealth. The graph above illustrates how housing demand
increases more quickly than salaries during a boom.
3. Interest Rates
The cost of mortgage interest repayments is significantly influenced by interest rates.
4. Population
In addition to population growth, there have been demographic shifts. For instance,
the demand for homes has increased as the number of single people living alone has
increased. The average size of a household also affects the demand for housing, in
addition to the population. Growth in the number of households is occurring (faster
than the population increase) because of specific social and demographic variables.
This population shifts cause problems like the age of the departing population.
5. Mortgage Availability
People can afford larger mortgages thanks to rising salaries, which increases home
demand. Housing demand increases quickly during economic booms, indicating that
demand is elastic to income.
6. Economic growth
 People can afford larger mortgages thanks to rising salaries, which increases home
demand. Housing demand increases quickly during economic booms, indicating that
demand is elastic to income.
7. Cost of Renting
If renting gets more expensive, households will work harder to attempt to purchase a
home since financing a home becomes more affordable.

The Philippines' significant housing shortages have the potential to slow down the
nation's fast development and expansion. Although the nation's infrastructure and
economy may be growing, according to analysts, the lowest socioeconomic strata are
not feeling this. There are 3.9 million families without a place to call home in the
Philippines due to the staggering 3.9 million households in the housing backlog. The
backlog would still exist if annual house creation were to average 200,000 from 2012
through 2030. By 2030, there would still be over 6.5 million families without a home.

More than 4 million Filipino households are also housed in unsustainable

circumstances. With little access to potable water, they lack security and safety.

(Angeles, 1985) states in her book in chapter four,that the government has been always
intervening the housing. Government plays a major role in funding, supplying, and
Legally regulating housing is a situation that may be seen in both
economies both developed and developing urbanized cities or towns. Most of the
time, governments Try to defend against these invasions by pointing out flaws
in the marketplace. Housing is considered to provide some economic benefits.
 traits that lead to optimum allocation issues. There may be issues separating the consumption
and investment components due to the high cost of housing. distributional issues to the point
that the market When a mechanism malfunctions, government action is required.
Furthermore, according to the Philippine statistics analysis(PSA, 2013)the Philippine
government should aim to develop policies that are consistent with the needs of the country,
housing data are essential. It also aims for development and according to the futuristic vision
known as AmBisyon Natin for the year 2040, it envisions Filipino families residing in cozy
houses with safe housing and all conveniences. Adrian Cristobal, the managing head of the
Board of Investments (BOI) at the time, contested the Subdivision and Housing Developers
Association, Inc. (SHDA) will create a road plan for the housing sector will act as a
mechanism for planning and coordination between the public and private sectors. and
cooperation by offering the following: 1. A precise representation of the nation's housing
situation,2. The housing industry's existing capacity for output. 3. The effect of housing on
the economy. 4. Affordability, regulations, and the regulatory environment are factors that
impact the supply of housing.
However, as indicated in the table below, this framework lacks division based on Housing
Classification established by the Housing and Land Use Regulatory Board (HLURB):
HLURB Classification per BP 220 and Current Price Ceiling
PD 957
Socialized Housing
Horizontal Development PHP 480,000 to PHP 580,000
Vertical Development PHP 600,000 to PHP 750,000
Economic Housing Above PHP 450,000 to PHP 1,700,000
Medium Cost Housing Above PHP 1,700,000 to PHP 4,000,000
Open Market Above PHP 4,000,000
Table 1:The Lack of Segmentation Framework by the HLURB Retrieved from
https://psa.gov.ph/sites/default/files/6.6.3%20Statistics%20for%20Housing%20Policy.pdf

According to (NEDA, 2023) in chapter 16, The government will establish the required policy,
the regulatory landscape, and
implement certain initiatives, programs, and programs aimed towards achieving the PDP's
objectives 2023–2028. The Office of National Economic The NEDA Secretariat will
cooperate with
executing organizations regarding the priorities of recognized tactics, policies, plans,
and projects, like the legislation that is being considered.
Given how closely similar the tactics are, There were identified interagency committees
to lead and oversee the execution of the Plan. They are urged to constantly talk about
the progress and pursuit of the reform agenda steps to hasten the implementation of
strategies.