BASIC

ORIENTATION ON
CBTAP
 MANDATE
Under PD 757 dated 31 July 1975

Was tasked to develop and implement a comprehensive

and integrated housing program which shall embrace

 housing development and resettlement

 sources and schemes of financing

 delineation of government and private sector

participation.
MISSION
By 2025, NHA shall have addressed 23% of the housing
need by building affordable, livable, adequate, and
inclusive communities with basic services and socio-
economic opportunities.

VISION
A viable organization that leads in the provision of
comprehensive and well-planned human settlements for
the homeless, marginalized, and low-income families,
thereby improving their quality of life.
QUALITY POLICY
We pledge to Building Adequate, Livable, Affordable and Inclusive Filipino Communities
(BALAI).
“We ensure the availability of basic services, community facilities and access to social and
economic opportunities to homeless, low-income families” is NHA’s commitment to
sustainable development in nation building.

We pursue comprehensive, integrated and gender responsive housing programs through

effective collaboration and partnership with key stakeholders, towards improved housing
beneficiaries’ satisfaction.

We pledge to a continuing organizational development that harnesses the potentials and

promotes the well-being of our employees in the attainment of corporate goals.

We adhere to statutory and applicable laws, issuances,

policies, rules, and regulations and continually improve
our Quality Management System.

We affirm that Quality is synonymous with good governance, work excellence with
integrity, accountability, and transparency.
COMMUNITY BASED TENURIAL
ASSISTANCE PROGRAM
(CBTAP)
Program Approaches
CMP - Community Mortgage Program

CLASP - Community Land Acquisition Support Program

LTAP - formerly MMP (Magbalikatan Para sa Maunlad na

Pamayanan) now Land Tenure Assistance Program

LHF - Local Housing Fund

GIAF - Grants-In-Aid Fund

 COMMUNITY-BASED
HOUSING APPROACHES

Resettlement Programs

Settlements Upgrading
Program

Government Employees’
Housing Program

Housing Assistance for

Calamity Victims
NHA or government financing
institutions since 1994
Community
Mortgage
Program
CMP was handled in August 1998

By virtue of Executive Order No. 272 in

January 20, 2004, SHFC was created.

Transfer of CMP, Abot Kaya Pabahay

Fund (AKPF) Program, and other
social housing powers and functions
of the National Home Mortgage
Finance Corporation
Loan Entitlement Amounts applicable for both Metro
Manila and highly urbanized cities, and other areas,
without distinction.

Purpose Maximum Monthly

Loan Amount Amortization
Land Acquisition P 100,000.00 685.30
Site Development/ 30,000.00 205.59
Community Upgrading
House Construction 120,000.00 834.60
Loan Package 250,000.00 1,725.49

The determination of final loan amount shall be subject to existing CMP guidelines
CMP loan - 6% interest per year and payable for 25
years in equal monthly amortizations.

PROJECT CLASSIFICATION

CA are already living/residing in the project site

ON-
With minimum of five (5) years residency

At least 85% occupancy rate at the time of application and

SITE
100% after two (2) years from loan release

Maximum of 200 beneficiaries

100% appraisal
 Homogenous group living outside the project
area but has to be relocated due to any of the
following reasons:

 Beneficiaries living in danger zones/areas;

 Beneficiaries affected by government

OFF-SITE infrastructure project; and

 Beneficiaries with threat of eviction or actual
ejectment thru a case/court order

Maximum of 200 beneficiaries

100% appraisal
 CMP LOAN COLLATERAL – land to be acquired

Criteria Title is lien and encumbrances

The land must be classified as residential

The land is not hazardous or high-risk areas

With Road-Right-of-Way

The landowner should have the legal capacity to sell

or transfer the subject property
CMP BORROWER
Filipino citizen, of legal age (18) and shall not be more than 60 years old

Has not been a recipient of any CMP loan or other govt. housing

Not own or co-own a real property and not a professional squatter

Must be a structure owner, a renter or a sharer at the site.

DELINQUENCY / DEFAULT
If CA account is not up to date with its loan amortization
payments equivalent to three months.
PENALTIES

1/15 of 1% per day of delayed payment

INSURANCE
Mortgage Redemption Insurance on the lives of the principal
borrowers as identified in the Master List of Members

Yearly renewal and premium shall be included in

the monthly amortizations of the members
.04/1000 of the loanable amount
 Substitution
Fail to meet the qualifications of a member or if there
is proof of misrepresentation by the CA officers.

COMMUNITY MOBILIZERS (CMP-M)/Originator

Tasked to assist informal settlers in organizing themselves into CAs

May either be any government entity, non- government organizations

(NGO) and People’s Organizations (PO)

Must possess the needed skills to organize communities, document CMP

project applications and provide access to other government agencies
involved in the program

Be entitled to a service fee equivalent to two percent (2%) of the loan

amount or P1,000.00, per member, whichever is higher.
Land
Tenure
Assistance
Program
 MAGBALIKATAN
Per approved Board
PARA SA MAUNLAD Resolutions No. 3620 dated
NA PAMAYANAN February 1997 and No. 3642
dated 20 March
(MMP)
Support community initiates in securing
land tenure through the extension of credit
assistance to community associations for
the acquisition of land they occupy or
intend to be resettled.
LAND TENURE
ASSISTANCE Complement existing government financial
assistance schemes for land acquisition under
PROGRAM the Community Mortgage Program (CMP) and
the Group Land Acquisition and Development
(GLAD)
An alternative financing scheme to assist communities in acquiring
land and gain security of tenure.
Landowners to sell their
properties to the occupants
through an accelerated land
acquisition process
 100% of beneficiaries are willing to join
manifested in Letter of Undertaking

Membership of not
more than 200 families.

Existing mechanism for communication,

financial management, records keeping
and beneficiary selection.
QUALIFICATION REQUIREMENTS

REGISTERED

or

REGISTERED
Physical Land is buildable/suitable for housing

Tenability Land has access to right-of-way (ROW)

TCT is without lien or encumbrance

Legal Real State taxes payments are up to date
Tenability Land is classified as residential
Community
Land
Acquisition
Support
Program
C Approved by virtue of NHA Board Resolution
No. 3019 dated September 1, 1994.

L Provision of technical assistance to

Community Association for housing
A Applicable where the landowner is willing
to be paid directly by the CA on terms.
S The scheme is also applicable for

P acquisition of NHA properties on

installment basis.
 Signed Memorandum of Agreement (MOA)
Landowner’s  stipulating lot price
Intention  terms of payment
 willingness to shoulder costs chargeable to vendor

Proof of savings equivalent to 10% of land

acquisition cost
Financial
Capability Affordable to pay the monthly obligation
(15% of monthly income)
NHA Assistance
 facilitates the transaction between the landowner
and the CA thru negotiations

 determination of the specific terms and conditions of the

sale and its documentation

 enhancement of community associations capability to self

organization

 syndication for fund source of other required inputs,

appraisal or valuation of the property
 facilitation for the conduct of the boundary/individual lot
survey and titling
 facilitation in securing land conversion

 design of the collection scheme.

TERMS AND CONDITIONS

Non-NHA  Subject to the terms and conditions agreed

upon between the landowner and the CA.
properties

 CA to put up 10% equity of the total selling

NHA  The balance of the selling price is payable within two (2) to
ten (10) years based on CA’s affordability
properties
 A nine percent (6%) interest rate per annum shall be
charged.
 survey
titling
other expenses related to the
transfer of title from the
landowner to the CA

transfer from the CA to individual

members
Local
Housing
Program
L I
m
p
l
e
Republic Act 7885 &
HUDCC Resolution # 001

m Cover the implementation of cost-

H e
n
t
a
t
recoverable socialized housing projects
in urban and urbanizable areas in all
congressional districts
i

P o
n
The primary beneficiaries shall be the
homeless and underprivileged families.
 - Slum Upgrading
- Sites and Services Development
- Core Housing
Program - Medium Rise Housing Programs
- Dormitory Housing
- Land acquisition or land tenure
Application assistance schemes
- Survey and titling assistance
- Provision/installation and repair of project
components and community facilities
 NHA, LGUS, NGAs and private sector
Project proponents such as developers,
Implementors cooperatives and NHA-accredited
NGOs.

National RELEASES
Government FUND

Any arrangement shall be covered by a MOA and

annotated at the back of the title.

Equally allocated among all congressional districts with interest

Cost recovery for thirty (30) years from the beneficiaries amortizing
with age limit of 70 at 6% interest per annum
 Land acquisition projects need subdivision survey
to facilitate disposition of units to the intended beneficiaries

The land for development may be owned by the NHA, LGUs,

NGAs, Community beneficiaries or by a private landowner

Interim Financing for Land Acquisition

CA may availed of the program to finance equity requirements

and the cost of subdivision surveys for purposes of availment
of a CMP loan
Grants-in-Aid
For Housing
Receives the funding support from external
sources

Accepts land donations

Administers the fund/land in accordance with the

intent of the funder/donor or the agreed terms
and conditions prescribed in a MOA.
Beneficiary – registered CAs

NHA Assistance – provision of technical assistance

Terms and Conditions – subject to the intent and purpose

of the funder/donor in conformity with the recipient
(CA and the NHA)
 Procedures

FUNDER/ Inform its Identifies

DONOR intention CA/HOA

If
evaluatio
n and
document
ation
found ok, Evaluates the feasibility of the
the donor
transfers
proposed project and the CA’s
the readiness of the project.
funds/pro
perties in CA request NHA’S assistance in
the name Documents the
facilitating the donation
of NHA agreement

Implements the project in accordance with the terms of the MOA

Monitors and evaluates the progress of the project and reports

the same to the funder/donor