TOWARDS AN AFFORDABLE

HOUSING PROGRAM
Mr. Ramon M. Falcon
National Economic and Development Authority
26 September 2013

Outline of Presentation
Where do we want to go?
Who are the targeted beneficiaries?
How do we get there?
Imperatives for Action/Recommendation

Where do we want to go?

BP 220 and PD 957 set the minimum requirements
within the generally accepted levels of safety, health,
and ecological considerations
IRRs of BP 220 and PD 957 already incorporated the
provisions on Fire Code and the National Building Code
... they did not, however, integrate the latest
development on green technology

Who are the targeted beneficiaries?

Poverty Incidence for the Basic Sectors

Source: NSCB

Who are the targeted beneficiaries?

Number of Informal Settlers, 2011

Source: NHA

Who are the targeted beneficiaries?

Socialized Housing refers to housing programs and
projects covering houses and lots or homelots only
undertaken by the government or the private sector
for the underprivileged and homeless citizens
which shall include sites and services development,
long-term financing, liberalized terms on interest
payments, and such other benefits in accordance
with this Act.
-- Urban Development and Housing Act (UDHA), RA 7279

Who are the targeted beneficiaries?

Economic and Socialized Housing refers to housing
units which are within the affordability level of the
average and low-income earners which is thirty
percent (30%) of the gross family income as
determined by the National Economic and
Development Authority from time to time. It shall
also refer to the government-initiated sites and
services development and construction of economic
and socialized housing projects in depressed areas.
BP 220

Who are the targeted beneficiaries?

Family Income
Average Annual Income By Income Decile

Source: NSO
Note: Average Family Size is Five (5).

Who are the targeted beneficiaries?

Housing Expenditure
Total Family Housing Expenditure, 2009

Source: NSO

How do we get there?

Existing Loan Packages

Who are the targeted beneficiaries?

Housing Expenditure
Total Family Housing Expenditure, 2009

Source: NSO

Strategies to Enhance Housing Affordability

and Delivery, PDP 2011-2016

1. Create alternative funds and mobilize resources, to spur

housing production through the revival of the SSS, GSIS and
GFIs contribution in the housing sector pool; reinstate the
entitlements of the housing sector under the CISFA (RA 7835);
involve rural banks, coops, and MFIs in implementing a
housing microfinance program, catering tot he marginalized
sector and rural homebuyers; and develop an effective and
viable secondary mortgage market and rationalization of the
guarantee system.

Strategies to Enhance Housing Affordability

and Delivery, PDP 2011-2016

2. Build strong partnerships with LGUs to accelerate housing

production through land use and local shelter planning, land
inventory and creation of LHBs; rechannel development funds
to LGUs for housing projects for their constituents; and set
aside lands socialized housing in accordance with UDHA
3. Engage private sector and CSOs in building and scaling up
socialized housing projects
4. Promote the use of green technology and materials in
housing construction and in building disaster-resilient
homes

Strategies to Enhance Housing Affordability

and Delivery, PDP 2011-2016

5.

Develop a strong cohesive and responsive shelter team (KSAs

and stakeholders) to bring significant changes and
institutional reforms, including simplifying loan application
processing for development and homebuyers loans, and
reducing red-tape in the issuance of land titles and housing
and development permits, at the national and local levels;
and ensure transparency and good governance in the housing
sector

Strategies to Enhance Housing Affordability

and Delivery, NUDHF 2009-2016

1. Increase funding and other resources fro proven and key

housing programs and institutions
2. Streamline housing development transaction processes;
reduce transaction costs and protect housing consumers
3. Provide incentives to unlock land for affordable housing
4. Provide and encourage access to land for affordable housing
5. Link local land use/physical and community development plans
with industry / local employment generating investment
programs
6. Explore promising and viable financing sources and schemes

Proposed Actions
HUDCC to provide policy coherence and operational guidelines on all existing
and proposed housing loan packages/ceilings of key shelter agencies,
government financial institutions, and private developers.
Government to think of creative strategies to increase the capacity of the
poor to own a housing unit (e.g., incentivizing savings for housing; rental
housing; making employment and economic opportunities available; housing
subsidies).

HUDCC and KSAs to review the proposed MRB loan ceiling with the MRB incity resettlement costing of NHA under the approved 5-year (2012-2016)
housing program for 104,219 informal settler families (ISFs) in danger areas in
Metro Manila.

How do we get there?

Promote Partnerships
Business Sector
- Associations of subdivision and real estate
developers
- Microfinance
Civil Society
Government
- Production
- Finance
- Policy

Thank You!