OBJECTIVE

PROVIDE A BRIEF OVERVIEW ABOUT HOUSING PROVISION
AND THE FACTORS THAT AFFECTS HOUSING DEVELOPMENT.

ANALYZE THE CURRENT HOUSING SITUATION IN THE
PHILIPPINES.

DETERMINE THE ROLE OF GOVERNMENT AND PRIVATE
SECTOR IN HOUSING PROVISION.
INTRODUCTION
HOUSING PROVISION IS ABOUT ENSURING PEOPLE HAVE
ACCESS TO SAFE, AFFORDABLE, AND ADEQUATE HOUSING. IT
INVOLVES GOVERNMENT POLICIES, PRIVATE SECTOR PROJECTS,
AND SOCIAL HOUSING INITIATIVES TO ADDRESS ISSUES LIKE
HOMELESSNESS AND OVERCROWDING.
FACTORS THAT AFFECT HOUSING DEVELOPMENT

ECONOMIC CONDITIONS

POPULATION GROWTH

LAND AVAILABILITY
CURRENT HOUSING SITUATION IN THE PHILIPPINES
AS OF 2025, THE PHILIPPINES IS FACING A SIGNIFICANT
HOUSING CRISIS, MARKED BY A SUBSTANTIAL BACKLOG AND
ESCALATING DEMAND. THE HOUSING DEFICIT HAS REACHED
APPROXIMATELY 6.5 MILLION UNITS AND IS PROJECTED TO
SURGE TO 22 MILLION BY 2040 IF UNADDRESSED.
PRIMARY REASONS:
 RAPID POPULATION GROWTH
 URBANIZATION
 CALAMITIES
ROLE OF GOVERNMENT IN HOUSING PROVISION
GOVERNMENT
THE GOVERNMENT PLAYS A VITAL, MULTIFACETED ROLE IN
HOUSING PROVISION, AIMING TO ENSURE THAT CITIZENS HAVE
ACCESS TO SAFE, AFFORDABLE, AND ADEQUATE HOUSING.
GOVERNMENT ROLES:
 POLICY AND REGULATION:
GOVERNMENTS ESTABLISH THE LEGAL FRAMEWORK
FOR HOUSING THROUGH ZONING LAWS, BUILDING CODES,
AND LAND-USE REGULATIONS.
 PLANNING AND INFRASTRUCTURE:
GOVERNMENTS ARE RESPONSIBLE FOR URBAN
PLANNING,
INCLUDING
THE
DEVELOPMENT
OF
INFRASTRUCTURE THAT SUPPORTS HOUSING.
 FUNDING AND SUBSIDIES:
GOVERNMENTS PROVIDE FINANCIAL ASSISTANCE TO
MAKE HOUSING MORE AFFORDABLE.
 PUBLIC-PRIVATE PARTNERSHIPS (PPPS):
GOVERNMENTS CAN COLLABORATE WITH THE PRIVATE
SECTOR TO DEVELOP HOUSING PROJECTS.
KEY PROGRAMS AND INITIATIVES:
NATIONAL HOUSING AUTHORITY
PRESIDENTIAL DECREE NO. 757. THIS IS A PRINCIPAL
GOVERNMENT AGENCY TASKED WITH PROVIDING HOUSING,
DEVELOPING HOUSING SITES, AND DISTRIBUTING GOVERNMENT
HOUSING PROJECTS TO ELIGIBLE BENEFICIARIES.
HOME DEVELOPMENT MUTUAL FUND
THE FUND WAS ESTABLISHED ON JUNE 11, 1978. PAG-IBIG
STANDS FOR PAGTUTULUNGAN SA KINABUKASAN: IKAW, BANGKO,
INDUSTRIYA AT GOBYERNO. THIS GOVERNMENT AGENCY OFFERS
HOUSING FINANCE ASSISTANCE THROUGH VARIOUS LOAN
PROGRAMS. IT AIMS TO MAKE HOMEOWNERSHIP MORE
ACCESSIBLE BY PROVIDING AFFORDABLE HOUSING LOANS WITH
FAVORABLE INTEREST RATES.
COMMUNITY MORTGAGE PROGRAM
THIS PROGRAM, OFTEN ADMINISTERED BY AGENCIES LIKE
THE SOCIAL HOUSING FINANCE CORPORATION, ENABLES
ORGANIZED COMMUNITIES TO COLLECTIVELY ACQUIRE LAND
AND SECURE HOUSING.
GOVERNMENT SERVICE INSURANCE SYSTEM
IT IS A GOVERNMENT-OWNED AND CONTROLLED
CORPORATION OF THE PHILIPPINES. CREATED BY THE
COMMONWEALTH ACT NO. 186 AND REPUBLIC ACT NO. 8291. GSIS
IS A SOCIAL INSURANCE INSTITUTION THAT PROVIDES A DEFINED
BENEFIT SCHEME UNDER THE LAW.
SOCIALIZED HOUSING PROGRAMS
REPUBLIC ACT NO. 7279 OR THE URBAN DEVELOPMENT AND
HOUSING ACT OF 1992. THESE PROGRAMS PROVIDE FINANCIAL
ASSISTANCE AND INCENTIVES TO DEVELOPERS WHO BUILD LOWCOST HOUSING FOR LOW-INCOME FAMILIES.
CHALLENGES:

FINANCIAL CONSTRAINTS

LAND AVAILABILITY AND COST

URBANIZATION AND POPULATION GROWTH

REGULATORY AND BUREAUCRATIC BARRIERS

AFFORDABILITY GAP

INFRASTRUCTURE DEFICIENCIES

SOCIAL AND POLITICAL FACTORS

CLIMATE CHANGE AND NATURAL DISASTERS
ROLE OF PRIVATE SECTOR IN HOUSING PROVISION
PRIVATE SECTOR

THE PRIVATE SECTOR CONSISTS OF ALL PRIVATELY OWNED,
FOR-PROFIT BUSINESSES IN THE ECONOMY.

THE PRIVATE SECTOR TENDS TO MAKE UP A LARGER SHARE
OF THE ECONOMY IN FREE-MARKET, CAPITALIST-BASED
SOCIETIES.

PRIVATE-SECTOR BUSINESSES CAN ALSO COLLABORATE
WITH GOVERNMENT-RUN AGENCIES IN ARRANGEMENTS
CALLED PUBLIC-PRIVATE PARTNERSHIPS.
PRIVATE SECTOR ROLES:
 INVESTMENT AND DEVELOPMENT:
PRIVATE DEVELOPERS CONTRIBUTE ESSENTIAL CAPITAL,
SPECIALIZED EXPERTISE, AND INNOVATIVE SOLUTIONS TO
THE HOUSING MARKET.
 PUBLIC-PRIVATE PARTNERSHIPS (PPPS):
MANY OF THE MOST EFFECTIVE AND SUCCESSFUL
AFFORDABLE
HOUSING
INITIATIVES
STEM
FROM
COLLABORATIONS THAT BRING TOGETHER GOVERNMENT
AGENCIES AND PRIVATE ENTITIES.
 INNOVATIVE FINANCING:
THE PRIVATE SECTOR IS INNOVATING IN FINANCING
AFFORDABLE HOUSING THROUGH SOCIAL IMPACT BONDS,
GREEN BONDS, AND COMMUNITY INVESTMENT FUNDS,
APPEALING TO SOCIALLY RESPONSIBLE INVESTORS.
TYPES OF PRIVATE-SECTOR BUSINESSES
1.
SOLE PROPRIETORSHIPS
2.
PARTNERSHIPS
3.
SMALL AND MIDSIZE BUSINESSES
4.
LARGE CORPORATIONS AND MULTINATIONALS
5.
PROFESSIONAL AND TRADE ASSOCIATIONS
6.
TRADE UNIONS
EXAMPLES OF PRIVATE SECTOR CONTRIBUTIONS
TERRAVERDE RESIDENCES
FILINVEST LAND, INC.
FILINVEST LAND, INC. HAS UNDERTAKEN SEVERAL HOUSING
PROJECTS ACROSS THE PHILIPPINES, INCLUDING THE
"TERRAVERDE RESIDENCES" IN CAVITE, A SOCIALIZED HOUSING
COMMUNITY THAT PROVIDES AFFORDABLE HOMES FOR FILIPINO
FAMILIES.
CHEERFUL HOMES
SM PRIME HOLDINGS
SM PRIME HOLDINGS HAS BEEN INVOLVED IN VARIOUS
AFFORDABLE HOUSING PROJECTS IN THE PHILIPPINES,
INCLUDING THE "CHEERFUL HOMES" PROJECT IN BULACAN,
WHICH PROVIDES AFFORDABLE HOUSING OPTIONS FOR LOWINCOME FAMILIES IN THE AREA.
CHALLENGES:

LAND ACQUISITION

REGULATORY AND PERMITTING PROCESSES

INFRASTRATURE AND UTILITIES

FINANCING

INFORMAL SETTLEMENTS
OPPORTUNITIES:

GROWING DEMAND

GOVERNMENT INCENTIVES

PUBLIC-PRIVATE PARTNERSHIPS (PPPS)

TECHNOLOGY AND INNOVATION

SOCIAL HOUSING PROGRAMS
COLLABORATION & CONCLUSION
HOW
GOVERNMENT
AND
COLLABORATE FOR HOUSING
PRIVATE
SECTOR
GOVERNMENT'S ROLE:

PROVIDES LAND FOR HOUSING PROJECTS – ALLOCATES
LAND TO ENSURE AFFORDABLE HOUSING IN KEY AREAS.

OFFERS TAX INCENTIVES & SUBSIDIES – ENCOURAGES
DEVELOPERS TO BUILD LOW-COST HOUSING THROUGH
FINANCIAL SUPPORT.
PRIVATE SECTOR'S ROLE:

BUILDS
HOMES
EFFICIENTLY
–
USES
CONSTRUCTION TECHNIQUES TO DELIVER
AFFORDABLE HOMES.

FINANCES HOUSING – OFFERS LOANS AND MORTGAGE
PLANS TO MAKE HOMEOWNERSHIP ACCESSIBLE.
MODERN
QUALITY,
SOLUTIONS FOR BETTER HOUSING
INCREASE AFFORDABLE HOUSING INCENTIVES

MORE GOVERNMENT SUPPORT – EXPAND SUBSIDIES, LOWINTEREST LOANS, AND RENTAL ASSISTANCE.

ENCOURAGE DEVELOPERS – PROVIDE BENEFITS LIKE LAND
GRANTS AND FAST-TRACK APPROVALS FOR SOCIALIZED
HOUSING.
STRICTER LAND USE POLICIES

PREVENT LAND SPECULATION – IMPOSE HIGHER TAXES ON
IDLE LAND TO DISCOURAGE HOARDING.

ALIGN PROJECTS WITH URBAN PLANNING – ENSURE
HOUSING IS NEAR TRANSPORT, JOBS, AND ESSENTIAL
SERVICES.
FINAL MESSAGE
GOVERNMENT + PRIVATE SECTOR = BETTER HOUSING FOR ALL
STRONGER COLLABORATION = AFFORDABLE, ACCESSIBLE, AND
SUSTAINABLE HOUSING
REFERENCES




PRIVATE SECTOR’S CRUCIAL ROLE IN BOOSTING THE 4PH
PROGRAM: A NEW PROPOSAL FROM OSHDP | INQUIRER.NET
PRIVATE SECTOR: DEFINITION AND BUSINESS EXAMPLES
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
PROGRAMS | NATIONAL HOUSING AUTHORITY