PHILIPPINE PERSPECTIVE ON HOUSING Flashcards
Can vary from warm to cold, and from
dry to humid
Climatic factors must be considered in
choosing the right home for maximum
appreciation of comfort and
economical impact.
CLIMATE
The specific placement of a home
Location greatly affects the
household as its vicinity and
proximity to access basic goods
and commodities must be
considered.
LOCATION
is a crucial factor in housing
needs for almost everyone
It is a great factor in choosing the right
home for everyone, as this has a big
impact in the long term.
COST
This is the sense of what is fitting,
harmonious or beautiful.
This is more of a personal factor as
this is based on one’s prerogative
on his/her preferences and
choices.
TASTE
When selecting a home, one needs to
consider the lifestyle of each family
member
In relation to the lifestyle of each
occupant, we must also consider
necessary adjustments before
investing in certain properties.
LIFESTYLE
What are the common problems of each
Filipino that hinders majority of the
population to acquire a decent house?
- Migration of people from
rural areas to urban areas - Robust population growth
- Poverty
- Unemployment
- Industrialization
- Minimum Wage
- Living Conditions
GOVERNMENT HOUSING
AND ITS DELIVERY SYSTEM
- National Housing Authority (NHA)
- Human Settlements Development Corporation
(HSDC) - Human Settlements Regulatory Commission
(HSRC) - National Pollution Control Commission (NPCC)
- National Environmental Planning Council (NEPC)
- Housing Finance Corporation (HFC)
- National Home Mortgage Finance Corporation
(NHMFC) - Home Development Mutual Fund (HDMF)
Created through Executive Order No. 90,
this agency is the highest policy making
and coordinating office on shelter.
* It is an umbrella organization which
consists of heads of four housing agencies
HOUSING AND URBAN
DEVELOPMENT
COORDINATING COUNCIL
(HUDCC)
- A government-owned and controlled
corporation operating under the policy
and administrative supervision of the
HUDCC. - The sole government agency to engage in
shelter production, focusing its efforts to
provide to homeless, low-income Filipino
Families
NATIONAL HOUSING
AUTHORITY (NHA)
Commonly known as PAG-IBIG Fund
(Pagtutulungan sa Kinabukasan:
Ikaw, Bangko, Industriya at Gobyerno)
* To provide its members with adequate housing
through an effective savings scheme.
* This agency harnesses these four sectors of
Philippine Society: Financial institutions,
Industrial Sector, the Government and the
Filipino People.
* This was created to address two of the nation’s
basic concerns: The generation of savings and
providing shelter for Filipino workers.
HOME DEVELOPMENT
MUTUAL FUND (HDMF)
- 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.
HOUSING AND LAND USE
REGULATORY BOARD (HLURB)
- A government-owned and controlled
corporation mandated by law (RA 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 or credits, and home
financing - This agency focuses on promoting home
ownership to middle and low-income families.
HOME GUARANTY
CORPORATION (HGC)
- Mandate of increasing the availability of
affordable housing loans to finance the
Filipino homebuyer through acquisition of
housing units through the development
and operation of a secondary market for
home mortgages.
NATIONAL HOME MORTGAGE
FINANCE CORPORATION
(NHMFC)
- Mandated to undertake social housing
programs that will cater to the formal and
informal sectors in the low-income bracket - Mandated to take charge of developing and
administering programs, particularly the
Community Mortgage Program (CMP) and the
Abot-Kaya Pabahay Fund (AKPF) Program.
SOCIAL HOUSING FINANCE
CORPORATION (SHFC)
