THE EVOLUTION OF

PHILIPPINE HOUSING POLICY

& INSTITUTIONS
Presented by :
GROUP 4_BSAR 5B
 THE EVOLUTION OF PHILIPPINE HOUSING
POLICY & INSTITUTIONS

INTRODUCTION
As evidenced by the widening gap between the people's housing needs and supply

National Policies on Housing

in the Philippines
HOUSING HAVE EVOLVED INTO AN EXTENSIVE
LIST OF POLICY INSTRUMENTS
• direct production
• pricing policies
• security in land tenure
• tax and credit incentives
• financial subsidies and innovations
• zoning and building regulations, and
• rent controls

The government's responsibility

To ensure that every Filipino enjoys a decent home has long been
accepted as an important aspect of public policy.
PHILIPPINE POLICY FRAMEWORK ON HOUSING
SUBSIDIES

HOMEOWNERSHIP VS. ACCESS TO DESCENT SHELTER

This policy has led the government to try raising as much

funding as possible to realize homeownership by households,
especially by the low-income group, to make housing units
available as cheaply as can be provided.
 Housing Programs in the Philippines
It 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
 Philippine housing subsidies
How they work, who they benefit and their implications on the
budget

Housing markets of
borrowers, lenders,
developers and even
public housing agencies
institutions such as
banks or lending
institutions
better educated (and
sometimes, better
connected politically)
National Shelter Program. (NSP)
Is the government's comprehensive strategy to address the country housing
problem.
Three (3) basic principles
(1) reliance on the initiative and capability of beneficiaries to solve their
housing problem with minimum assistance from the government;
(2) the private sector as the principal player in providing decent and
affordable housing; and
(3) the government as enabler, facilitator and catalyst in the housing
market, while focusing assistance to families within the poverty line.
The NSP has four major programs:
(1) production of housing units,
(2) mortgage financing,
(3) developmental loans and
(4) community programs.
UDHA SOCIALIZED HOUSING PROGRAM
The housing program of the law provides for:
a) beneficiary listing (coming up with a master list of beneficiaries
within one year from the effectivity of the law)
b) land inventory (within the territorial jurisdiction of lgus)
c) identification of socialized housing sites
d) acquisition of identified socialized housing sites
e) disposition of lands for socialized housing
BALANCED HOUSING PROGRAM

- The law discourages demolition as a practice. Eviction or

demolition may be allowed only when:
a. Persons/entities occupy danger areas
b. Persons/entities occupy public places
c. Place occupied is a gov't. Infrastructure project site
d. There is a court order for eviction or demolition
e. Construction falls under the category: new illegal structure
(construction after march 29, 1992)
f. Structure belongs to a professional squatter or a member of
a squatting syndicate
HOUSING SUBSIDY PROGRAMS
 Unified Home Lending Program (UHLP)
 Community Mortgage Program.
 Social Housing Development Loan Program (SHDLP).
 Abot-kaya Pabahay Fund.
 HIGC Programs.
 NHA Resettlement Program.
 HDMF Expanded Housing Loan Program (EHLP).
 HIGC Guarantee Program.
 BASIC SERVICES OF HOUSING NEEDS AND GAPS
alternative housing
technologies, schemes
and approaches to affected families into
ensure decent and their plans and costing
affordable homes.
provision of potable water, safe
and sufficient electricity, access
roads to the nearest commercial
centers, and ICT, among others;

financing framework for

relocation and
resettlement
Comprehensive Land Use Plans (CLUPS)
 POLICY CHALLENGES
• Two matters immediately beg a policy reevaluation. The first has to do with the
large fiscal and quasi-fiscal costs attendant to the government’s favored
approach to housing – which is to maximize the output of new housing for sale
at below-market prices – so far.
• The second arises from the first and has to do with the level of social
assistance the state wishes to allocate to housing in the first place. There will
always be households which cannot be reached by market forces irrespective
of government incentives.
• Reforms in housing finance and subsidies at best deal with symptoms rather
than underlying causes of housing system failures - in particular, rigidities in
land and input markets which impede the efficiency and responsiveness of
housing supply and drive the unit cost of housing up.
• That housing policy has tried to forge ahead without squarely dealing with land
and property market institutions or connective infrastructure, speaks to the
absence of an urbanization framework that explicitly underlies or informs
national and sub-national development plans and investment decisions
ECONOMIC ACTIVITY AND A MORE ELABORATE
HOUSING PROGRAM:
(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,
and
(iii) GOVERNMENT FINANCING OF PRIVATELY-OWNED
HOUSING. A number of public housing corporations were
established to implement this program.
 PROGRAMMERS AND PROJECTS:
A. Providing adequate shelter for all
B. Improving human settlement management
C. Promoting sustainable land-use planning and management
D. Promoting the integrated provision of environmental
infrastructure: water, sanitation, drainage and solid waste
management
E. Promoting sustainable energy and transport systems in
human settlements
F. Promoting human settlement planning and management in
disaster-prone areas
G. Promoting sustainable construction activities
H. Promoting human resource development and capacity-
building for human settlement development
God Bless!
Presented by GROUP 04
Labaclado, Mardainze Angelie B.
Jaramillo, Dang Y.
Prayco, Rhodalyn C.
Juntilla, Jodel D.
Molita, Chris Jirah E.
Montel, Vince Carlo V.
BSAR 5B

Presented to
Arch. Leonilyn P. Barredo-Hidalgo, uap
Instructor