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MARKET ANALYSIS and
HOUSING FINANCE
for HOUSING PROGRAMS
Christian David B. Mendoza
BS Architecture
School of Engineering and Architecture
University of Baguio
What is Market Analysis for Housing
Programs?
I N T R O D U C T I O N
a view process in analyzing carefully the situation in
socialized housing developments to further
understand the improvements and problems in
housing programs.



Socialized Housing


-Socialized housing shall be the primary strategy in
providing shelter for the underprivileged and homeless.

1. Eligibility Criteria for Socialized Housing Program
Beneficiaries.

(a) Must be a Filipino citizen;
(b) Must be an underprivileged and homeless citizen,
(c) Must not own any real property whether in the urban or
rural areas.
(d) Must not be a professional squatter or a member of
squatting syndicates.





Socialized Housing


2. Registration of Socializing Housing Beneficiaries.
-identify and register all beneficiaries within their respective localities.

3. Balanced Housing Development.
Framework plan whereby developers of proposed subdivision projects
shall be required to develop an area for socialized housing equivalent to
at least twenty percent (20%) of the total subdivision area or total
subdivision project cost, at the option of the developer, within the same
city or municipality, whenever feasible, and in accordance with the
standards set by the Housing and Land Use Regulatory Board and other
existing laws.

Socialized Housing


Concerns:
(a) Development of new settlement
(b) Slum upgrading or renewal of areas for priority development either
through zonal improvement programs or slum improvement and
resettlement programs;
(c) Joint-venture projects with either the local government units or any
of the housing agencies
(d) Participation in the community mortgage program.

Socialized Housing


















Basic Services. Socialized housing or resettlement areas shall be
provided by the local government unit or the National housing
Authority in cooperation with the private developers and concerned
agencies with the following basic services and facilities.
a. Potable water
b. Power and electricity and an adequate power distribution system;
c. Sewerage facilities and an efficient and adequate power
distribution system; and
d. Access to primary roads and transportation facilities.

Socialized Housing


















The provision of other basic services and facilities such as health,
education, communications, security, recreation, relief and welfare
shall be planned and shall be given priority for implementation by
the local government unit and concerned agencies in cooperation
with the private sector and the beneficiaries themselves.
The local government unit, in coordination with the concerned
national agencies, shall ensure that these basic services are provided
at the most cost-efficient rates, and shall set a mechanism to
coordinate operationally the thrusts, objectives and activities of
other government agencies concerned with providing basic services
to housing projects.

Socialized Housing


















Livelihood Component.
To the extent feasible, socialized housing and resettlement projects
shall be located near areas where employment opportunities are
accessible. The government agencies dealing with the development
of livelihood programs and grant of livelihood
loans shall give priority to the beneficiaries of the Program.

Govt. Agencies Involved in Socialized Housing


HUDCC- Housing Urban Development Coordinating Council

1. Formulation of standards and guidelines as well as providing technical
support in the preparation of town and land use plans.

2. In coordination with the National Economic and Development
Authority and the National Statistics Office, provide data and
information for forward-planning by the local government units in their
areas, particularly on projections as to the population and development
trends in their localities and the corresponding investment programs
needed to provide appropriate types and levels of infrastructure,
utilities, services and land use patterns. And :




Govt. Agencies Involved in Socialized Housing
NHA- National Housing Authority
-provides technical and other forms of assistance in the
implementation of their respective urban development and housing
programs with the objective of augmenting and enhancing local
government capabilities in the provision of housing benefits to their
constituents.



3. Assistance in obtaining funds and other resources needed in the
urban development and housing programs in their areas of
responsibility.




Govt. Agencies Involved in Socialized Housing
NHMFC- National Housing Mortgage Finance
Corporation
-shall administer the Community Mortgage Program under RA 7279
also known as the Urban Development and housing Act of 1992
and promulgate rules and regulations necessary to carry out the
provisions of RA 7279.



HIGC- Home Insurance Guaranty Corporation
-shall design an appropriate guarantee scheme to encourage
financial institutions to go into direct lending for housing.




Sites/Locations for Socialized Housing
Under Article IV Sec. 8 of RA 7279
-in coordination with the National Housing Authority, the Housing
and Land Use Regulatory Board, the National Mapping Resource
Information Authority, and the Land Management Bureau, shall
identify lands for socialized housing and resettlement areas for the
immediate and future needs of the underprivileged and homeless
in the urban areas, taking into consideration and degree of
availability of basic services and facilities, their accessibility and
proximity of jobs sites and other economic opportunities, and the
actual number of registered beneficiaries.





Related Strategies for Socialized Housing
Under Article XI of RA 7279

Sec. 34. Promotion of Indigenous Housing Materials and
Technologies. shall promote the production and use of indigenous,
alternative, and low-cost construction materials and technologies
for socialized housing.
Sec. 35. Transport System. shall device a set of mechanisms
including incentives to the private sector so that a viable transport
system shall evolve and develop in the urban areas. It shall also
formulate standards designed to attain these objectives:
(a) Smooth flow of traffic;
(b) Safety and convenience of travel;
(c) Minimum use of land space;
(d) Minimum damage to the physical environment; and
(e) Adequate and efficient transport service to the people and goods at
minimum cost.

Related Strategies for Socialized Housing
Under Article XI of RA 7279

Sec. 36. Ecological Balance. The local government units shall
coordinate with the Department of Environment and Natural
Resources in taking measures that will plan and regulate urban
activities for the conservation and protection of vital, unique and
sensitive ecosystems, scenic landscapes, cultural sites and other
similar resource areas.

Sec. 37. Population Movements. to monitor trends in the
movements of population from rural to urban, urban to urban, and
urban to rural areas. They shall identify measures by which such
movements can be influenced to achieve balance between urban
capabilities and population, to direct appropriate segments of the
population into areas where they can have access to opportunities
to improve their lives.


Related Strategies for Socialized Housing
Under Article XI of RA 7279
Sec. 38. Urban-rural Interdependence. To minimize rural to
urban migration and pursue urban decentralization, the local
government units shall coordinate with the National Economic and
Development Authority and other government agencies in the
formulation of national development programs that will stimulate
economic growth and promote socioeconomic development in the
countryside.

Related Strategies for Socialized Housing
Addressing Informality
Applying ECO2 PRINCIPLES


Creating information database to aid in
planning and policy formulation

Initiating the transformation of blighted
areas into vibrant communities

Resettling communities from
disasterrisk areas and developing
cleared areas into parks and open spaces

Related Strategies for Socialized Housing
Complementary Initiative

Piloting greening policies
CBD
City hall (retrofitting)
Public buildings
Public schools
Proposed resettlement villages or
socialized housing

Related Strategies for Socialized Housing
Complementary Initiative

Harnessing private
sector capital for
green development

Urban Renewal and Resettlement
Action Against Professional Squatters and Squatting
Syndicates.
The local government units, in cooperation with the Philippine National
Police, the Presidential Commission for the Urban Poor (PCUP), and the
PCUP- shall adopt measures to identify and effectively curtail the nefarious
and illegal activities of professional squatters and squatting syndicates, Any
person or group identified as such shall be summarily evicted and their
dwellings or structures demolished, and shall be disqualified to avail of the
benefits of the program.

Urban Renewal and Resettlement
-professional squatters or members of squatting
syndicates shall be imposed the penalty of six (6) years
imprisonment or a fine of not less than Sixty thousand
pesos ( P 60,000) but not more than One hundred
thousand pesos ( P 100,000), or both, at the discretion
of the court.

Urban Renewal and Resettlement
Eviction and Demolition. Eviction or demolition as a practice shall be
discouraged. Eviction or demolition, however, may be allowed under the
following situations:
a. When persons or entities occupy danger areas such as esteros, railroad
tracks, garbage dumps, riverbanks, shorelines, waterways, and other public
places such as sidewalks, roads, parks, and playgrounds
b. When government infrastructure projects with available funding are
about to be implemented.
c. When there is a court order for eviction and demolition.
In the execution of eviction or demolition orders involving underprivileged
and homeless citizens.

HOUSING FINANCE
-The comprehensive funds flow system covering the
entire housing provision cycle.

a. Identification of financial requirements

b. Fund sourcing for various aspects of housing
program (lot acquisition, development and
construction, end buyers financing)

Agencies Involved in Housing Finance





HGC- HOME GUARANTY CORPORATION
HDMF-HOME DEVELOPMENT MUTUAL FUND
NHA-NATIONAL HOUSING AUTHORITY
SHFC- SOCIAL HOUSING FINANCE CORPORATION
NHMFC- NATIONAL HOUSING MORTGAGE FINANCE
CORPORATION


HOUSING FINANCE
FUNDING
Funds for the urban development and housing program shall come from
the following sources:
a. A minimum of fifty percent (50%) from the annual net income of the
Public Estates Authority, to be used by the National Housing Authority to
carry out its programs of land acquisition for resettlement purposes.
b. Proceeds from the disposition of ill-gotten wealth, not otherwise
previously set aside for any other purpose, shall be administered by the
National Home Finance Corporation.
c. Loans, grants, bequests and donations, whether from local or foreign
Sources.


HOUSING FINANCE
d. Flotation of bonds, subject to the guidelines to be set by the
Monetary Board.
e. Proceeds from the social housing tax and, subject to the
concurrence of the local government units concerned, idle lands
tax as provided in
Section 236 of the Local Government Code of 1991 and other
existing laws.
f. Proceeds from the sale or disposition of alienable public lands in
urban Areas.
g. Domestic and foreign investment or financing through
appropriate arrangements like the build-operate-and-transfer
scheme.

HOUSING FINANCE
Republic Act 7835 (08 December 1994).
The Comprehensive and Integrated Shelter Financing Act
(CISFA) of 1994.
-Implement the following vital components of the National Shelter
Program: Resettlement Program, Medium Rise Public and Private
Housing Program.
-Engage in land banking activities to ensure availability of land to
sustain the Resettlement Program.
-Manage and Administer a Trust Fund for the Medium Rise Public
and Private Housing.
MARAMING
SALAMAT PO!