ARCH 545

HOUSING & HUMAN SETTLEMENT

Buildings or structures that individuals and their family may
live in that meet certain federal regulations. Different
housing situations vary for individuals and may depend on
age, family and geography.

HOUSING
• Climate
• Location
• Cost
• Taste
• Lifestyle

FACTORS THAT AFFECTS HOUSING NEEDS:

“Characterized by the emergence of a continuing demand
for affordable housing units in response to increasing
population and household size, both in urban and rural
areas.”

HOUSING IN THE PHILIPPINES

The Philippines is beset with a huge backlog in providing
for land security and housing for the poor.

Two basic problems being faced by the government in

realizing a successful housing program are:
• Money
• Availability of Land

Housing Problems / Social Issues

• High transaction costs due to the confusing and unclear
land use policies.
• Non-cooperation of land owners to engage in the
Community Mortgage Program (CMP)
• Misinterpretation and/or non-implementation of local
government units (LGUs)
• Other problems pertaining to housing is the provision of
land and housing to internally displaced persons (IDPs)
due to natural hazards and armed conflicts.

Other issues hampering pro-poor land and

housing programs:
• Migration of people from rural to urban areas
• Robust population growth
• Poverty due to unemployment
• Industrialization
• Minimum wage of Filipinos

HOMELESS FILIPINOS
GOVERNMENT’S HELP TO
SOLVE HOUSING PROBLEMS
• Created through Executive Order No. 90, is the highest
policy making and coordinating office on shelter. It is an
umbrella organization which consists of heads of housing
agencies.

HUDCC
(Housing and Urban Development
Coordinating Council)
• It is a government-owned and controlled corporation
operating under the policy and administrative supervision
of the HUDCC. The NHA is the sole government agency
to engage in shelter production, focusing its efforts to
provide to homeless, low-income Filipino families.

NHA
(National Housing Authority)
• To provide its members with adequate housing through
an effective savings scheme, Pag-IBIG Fund harnesses
these four sectors of Philippine society: financial
institutions, the industrial sector, the government, and the
Filipino people.
• The Fund was created to address two of the nations basic
concerns:
• (a) the generation of savings and
• (b) providing shelter for Filipino workers.

Pag-IBIG Fund
(Pagtutulungan sa Kinabukasan: Ikaw,
Bangko, Industriya at Gobyerno)
• It is a national government agency tasked as the planning,
regulatory and quasi-judicial body for land use
development and real estate and housing regulation.
These roles are done via a triad of strategies namely,
policy development, planning and regulation.

HLURB
(Housing and Land Use
Regulatory Board)
• It is the government-owned-and-controlled-corporation
(GOCC) mandated by law (Republic Act 8763) to
promote sustainable home ownership by providing risk
coverage or Guarantees and tax/fiscal incentives to banks
and financial institutions/investors granting housing
development loans / credits, and home financing. As
HGC focuses on promoting home ownership to middle
and low-income families.

HGC
(Home Guaranty Corporation)
• Mandate of increasing the availability of affordable
housing loans to finance the Filipino homebuyer
acquisition of housing units through the development and
operation of a secondary market for home mortgages.

NHMFC
(National Home Mortgage
Finance Corporation)
Mandated:
• (a) to undertake social housing programs that will
cater to the formal and informal sectors in the low-
income bracket; and
• (b) to take charge of developing and administering
social housing programs, particularly the
Community Mortgage Program (CMP) and the Abot-
Kaya Pabahay Fund(AKPF) Program.

SHFC
(Social Housing Finance
Corporation)
Thank You & God Speed!

Añonuevo, Ranel D.