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    Housing Reviewer

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    architecture reviewcourse
    The document provides an overview of housing types and the housing delivery system in the Philippines. It discusses single-family housing, townhouses, garden and high-rise apartments. It also outlines several government agencies involved in housing development, financing, and regulation. These include the National Housing Authority, Home Development Mutual Fund, Housing and Land Use Regulatory Board, and Social Housing Finance Corporation. The document also summarizes the Philippine perspective on housing challenges and programs to promote affordable socialized, economic, and low-cost housing.

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    Housing Reviewer

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    architecture reviewcourse
    128 views3 pages
    The document provides an overview of housing types and the housing delivery system in the Philippines. It discusses single-family housing, townhouses, garden and high-rise apartments. It also outlines several government agencies involved in housing development, financing, and regulation. These include the National Housing Authority, Home Development Mutual Fund, Housing and Land Use Regulatory Board, and Social Housing Finance Corporation. The document also summarizes the Philippine perspective on housing challenges and programs to promote affordable socialized, economic, and low-cost housing.

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    The document provides an overview of housing types and the housing delivery system in the Philippines. It discusses single-family housing, townhouses, garden and high-rise apartments. It also outlines several government agencies involved in housing development, financing, and regulation. These include the National Housing Authority, Home Development Mutual Fund, Housing and Land Use Regulatory Board, and Social Housing Finance Corporation. The document also summarizes the Philippine perspective on housing challenges and programs to promote affordable socialized, economic, and low-cost housing.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    128 views3 pages

    Housing Reviewer

    Uploaded by

    architecture reviewcourse
    The document provides an overview of housing types and the housing delivery system in the Philippines. It discusses single-family housing, townhouses, garden and high-rise apartments. It also outlines several government agencies involved in housing development, financing, and regulation. These include the National Housing Authority, Home Development Mutual Fund, Housing and Land Use Regulatory Board, and Social Housing Finance Corporation. The document also summarizes the Philippine perspective on housing challenges and programs to promote affordable socialized, economic, and low-cost housing.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 3

    MODULE 1: INTRODUCTION TO HOUSING

    WHAT IS HOUSING?

    Housing, or more general living spaces, refers to the construction and assigned usage of houses or
    buildings collectively, for the purpose of sheltering people — the planning or provision delivered by an
    authority, with related meanings.

    SINGLE FAMILY HOUSING - A stand-alone house is a free-standing residential building.

    GARDEN APARTMENTS - Garden apartments can be in rural, suburban, and even in some urban settings.

    TOWN HOUSES - a style of multi-floor home that share one to two walls with adjacent properties but have
    their own entrances.

    HIGH RISE APARTMENTS - as opposed to a low-rise building and is defined differently in terms of height
    depending on the jurisdiction

    THE DELIVERY PROCESS/SYSTEM - The responsibility of the government to ensure the provision of decent
    and affordable housing to every Filipino is contained in the Constitution, which mandates the State to
    undertake a continuing program of urban land reform and housing, which will make available at affordable
    cost decent housing and basic services to underprivileged and homeless citizens in urban centers and
    resettlement areas.

    THE DELIVERY PROCESS/SYSTEM (GOVERNMENT AGENCIES CONCERNED WITH HOUSING)

    NATIONAL HOUSING COMMISSION (NHC) - supports the HSDC and NHA in shelter production

    HUMAN SETTLEMENTS REGULATORY COMMISSION (HSRC) - regulates subdivision development and


    socialized housing construction

    HOUSING FINANCE CORPORATION (HFC) - provides mortgage insurance or guarantees to encourage


    private banks and financial institutions to grant housing loans on easy terms of payment

    HOME DEVELOPMENT MUTUAL FUND (HDMF) - a provident savings fund maturing after 20 years

    NATIONAL ENVIRONMENTAL PLANNING COUNCIL (NEPC) - established under the National Environment
    Protection Council Act 1994 (Cth) and mirror legislation in other jurisdictions.

    National Home Mortgage Finance Corporation (NHMFC) - acted as a secondary market for housing
    mortgages

    National Housing Authority (NHA) - in charge of social housing production specifically upgrading of sites
    and services

    NATIONAL POLLUTION CONTROL COMMISSION (NPCC) - The Act declares as national policy " to maintain
    reasonable standards of purity for the waters and of this country with their utilisation for domestic,
    agricultural, industrial and other legitimate purposes"

    Human Settlements Development Corporation (HSDC) - also into shelter production and New Town and
    Estate developments
    SPATIAL PLANNING - Is largely a public sector function to influence the future spatial distribution of
    activities. Is critical for delivering economic, social, and environmental benefits by creating more stable
    and predictable conditions for investment and development, by securing community benefits from
    development, and by promoting prudent use of land and natural resources for development.

    SPATIAL PLANNING SYSTEM - Refer to the methods and approaches used by the public and private sector
    to influence the distribution of people and activities in spaces of various scales.

    MODULE 2: PHILIPPINE PERSPECTIVE ON HOUSING

    PHILIPPINE PERSPECTIVE ON HOUSING - The Philippine housing industry believes that every Filipino
    family, regardless of economic status, has the right to live with dignity in the comfort of their own home.

    WHY IS THERE A HOUSING PROBLEMS?

    • The rapid formation of new households


    • MIGRATION OF PEOPLE FROM RURAL AREAS TO URBAN
    • POVERTY DUE TO UNEMPLOYMENT
    • INDUSTRIALIZATION

    AGENCIES ATTACHED FOR HOUSING

    Home Development Mutual Fund (Pag-IBIG Fund) - Pag-IBIG Fund offers assistance to its members by
    providing affordable financing for their housing needs.

    Home Guaranty Corporation (HGC) - HGC supports homeownership among Filipinos by encouraging
    banks and financial institutions to lend to individual home buyers and housing developers.

    Housing and Land Use Regulatory Board (HLURB) - The Housing and Land Use Regulatory Board (HLURB)
    is the government agency mandated to provide assistance to local government units in the preparation
    and approval of their comprehensive land use plans (CLUPs), regulate housing, land use development and
    homeowners associations.

    National Housing Authority (NHA) - NHA was tasked to develop and implement a comprehensive and
    integrated housing program which shall embrace, among others, housing development and resettlement,
    sources and schemes of financing, and delineation of government and private sector participation.

    National Home Mortgage Finance Corporation (NHMFC) - increases the availability of affordable housing
    loans to finance the Filipino homebuyer’s on their acquisition of housing units through the development
    and operation of a secondary market for home mortgages.

    Social Housing Finance Corporation (SHFC) - The Social Housing Finance Corporation (SHFC) is a Philippine
    Government agency to undertake social housing programs that will cater to the formal and informal
    sectors in the low - income bracket and shall take charge of developing and administering social housing
    program schemes, particularly the CMP and the AKPF Program (amortization support program and
    development financing program).

    Types of Housing Programs


    SOCIALIZED HOUSING - refers to housing programs and projects covering houses and lots or home lots
    only undertaken by the government or the private sector for the underprivileged and homeless citizens.

    -projects costing P400,000 or below.

    ECONOMIC HOUSING - covers the project price range starting from P400,000 but not exceeding
    P1.25million.

    LOW-COST HOUSING - are the type of housing programs which covers housing projects costing from
    P1.25million to P3million.

    MID COST HOUSING - covers the project price range starting from P3 million but not exceeding P6 million

    HIGH END HOUSING - is for projects costing P6 million or above.

    Policies and Housing Programs

    • (Investment Priorities Plan) IPP 2014-2016 - Economic and Low-Cost is among the preferred activities
    listed in the IPP. This covers the development of economic and low-cost housing and the manufacture of
    modular housing components.

    • COMMUNITY MORTGAGE PROGRAM (CMP) - The Community Mortgage Program (CMP) aims to
    improve the living conditions of homeless and underprivileged Filipinos by providing them affordable
    financing with which they can secure tenure on the land they occupy.

    • SOCIAL HOUSING FINANCE CORPORATION

    Created by virtue of Executive Order No. 272, series of 2004, the Social Housing Finance Corporation
    (SHFC) is a wholly-owned subsidiary of the National Home Mortgage Finance Corporation (NHMFC)
    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

    PAG-IBIG AFFORDABLE HOUSING PROGRAM -The Home Mutual Development Fund (HMDF, or Pag-IBIG)
    offers the Affordable Housing Program (AHP), which is designed for minimum wage earners or whose
    gross monthly income does not exceed P17,500.

    ABOT-KAYA PABAHAY FUND DEVELOPMENTAL LOAN PROGRAM (AKPF – DLP) - The Abot-Kaya Pabahay
    Fund Developmental Loan Program (AKPF – DLP) aims to provide low-income families with affordable
    housing packages in key Philippines urban areas and other localities with pronounced housing demand.

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