HOUSING PROBLEMS IN THE

PHILIPPINES
Submitted by: Emmanuel Lopez Bo
BTVTED-FSM 1-A
In Compliance with the Subject Home Economics Literacy
What is Housing?
Housing are 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

Introduction to Philippine Housing Problems

The major issue in the current Philippine housing is the rapid urbanization that led to
congestion and overpopulation that increases the poverty rate And usually means that it
will end up to a vast amount of homeless people and will increase the number of
informal settlements

HOUSING PROBLEMS
 Migration
 Population
 Industrialization
 Salary
 Poverty

The Philippine Government have developed

a plan that will answer to this problem. The
Philippine Housing Industry plan stated that
every Filipinos has the right to live with
dignity in comfort of one’s own home
regardless of economic status. They also
aim to eliminate the housing backlog which
is 3.9 million households by the year 2030.
The production of housing units estimated
Submitted by: Emmanuel Lopez Bo
BTVTED-FSM 1-A
In Compliance with the Subject Home Economics Literacy
average is 200,000 units every year from 2012-2030. The backlog would persist and hit
6.5 million households by 2030. The highest demand would come from the economic
housing segment, followed by socialized housing, and lastly by low-cost housing.

GOVERNMENT AIDS IN SOLVING HOUSING PROBLEMS

A. HUDCC (Housing and Urban Development

Coordinating Council)
 Created thru Executive Order No. 90, is the
highest policy making and coordinating
office on shelter. It is an umbrella
organization which consists of heads of four
housing agencies.

B. NHA (National Housing Authority)

 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.

C. Pag-IBIG Fund (Pagtutulungan sa Kinabukasan:Ikaw, Bangko, Industriya at

Gobyerno)
 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.

Submitted by: Emmanuel Lopez Bo

BTVTED-FSM 1-A
In Compliance with the Subject Home Economics Literacy
 D. HLURB (Housing and Land Use Regulatory
Board)
 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.

E. HGC (Home Guaranty Corporation)

 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
middleand low-income families.

F. NHMFC (National Home Mortgage Finance

Corporation)
 Mandate of increasing the availability of
affordable housing loans to finance the Filipino
homebuyer acquisition of housing units through
the development andoperation of a secondary
market for home mortgages.

Submitted by: Emmanuel Lopez Bo

BTVTED-FSM 1-A
In Compliance with the Subject Home Economics Literacy
 G. SHFC (Social Housing 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.

Submitted by: Emmanuel Lopez Bo

BTVTED-FSM 1-A
In Compliance with the Subject Home Economics Literacy