Académique Documents
Professionnel Documents
Culture Documents
IN THE PHILIPPINES
I. INTRODUCTION
Typical housing typologies:
1. Single Detached
- Free standing
residential building
-Unit layout can be
flexible at lower
densities.
-Type of house for larger
lot sizes.
- Design do not permit
the use of a firewall at
one side of the property.
having apartments
with separate
entrances for two
families.
-two-story houses
having a complete
apartment on each
floor and also side-byside apartments on a
single lot that share a
common wall.
HOUSING TERMINOLOGIES
HOUSING TERMINOLOGIES
HOUSING TERMINOLOGIES
ECONOMIC HOUSING
- Housing for lowincome and middle
income groups
-Thru Government
intervention and private
sector involvement.
-Little or no subsidy
- More financially viable
in terms of return of
investment
SOCIALIZED HOUSING
-Housing solely for lowincome.
-Thru Government
intervention.
- substantial subsidies
and direct assistance
from government
HOUSING TERMINOLOGIES
COMMUNITY SPACE
- Shared community
facilities within the site
or housing project
- parks, playgrounds,
church sites, community
centers,
HOUSING TERMINOLOGIES
HOMEOWNERS ASSOCIATION
- Non-profit, legally
constituted organization
of dwellers within a
particular housing
community.
- Functions provides:
security, maintenance,
and other similar service
to the community
HOUSING TERMINOLOGIES
HOMESITE
- Parcel of land suitable
for a dwelling unit
usually within a
developed or
developable subdivision
HOUSING DENSITY
- Ratio of number of
dwellings to a given unit
area express in dwelling
units per hectare or acre
HOUSING TERMINOLOGIES
HOUSING DENSITY
HOUSING TERMINOLOGIES
HOUSING DENSITY
HOUSING TERMINOLOGIES
HOUSING PROJECT
- Planned residential
development.
-Consist of buildings,
group of buildings, or
group of individual or
multiple dwelling units
- Utilities and other
facilities
HOUSING TERMINOLOGIES
LAND CONVERSION
- Legal process of reclassifying land uses, esp.
agricultural land to residential use.
- Under responsibility and authority of Department
of Agrarian Reform.
OCCUPANCY RATE
- Number of persons or households per rooms or
per dwelling.
HOUSING TERMINOLOGIES
OFF-SITE HOUSING
- Housing provided for a community on sites other
than those land they occupied
- Example is a relocation housing
ON-SITE HOUSING
- Housing provided for a community on sites originally
they occupied.
SELF-HELP HOUSING
- Housing built by the owner.
HOUSING TERMINOLOGIES
AMORTIZATION
- the process by which your loan principal
decreases over the life of your loan.
- Liquidation of a future obligation by periodic
charges against the capital account
BRIDGE FINANCING
- financial assistance extended to private developers of
housing projects for site development and construction of
dwelling units in the form of short term loans, with interest
lower than prime commercial bank rates.
HOUSING TERMINOLOGIES
AMORTIZATION
- the process by which your loan principal
decreases over the life of your loan.
- Liquidation of a future obligation by periodic
charges against the capital account
BRIDGE FINANCING
- financial assistance extended to private developers of
housing projects for site development and construction of
dwelling units in the form of short term loans, with interest
lower than prime commercial bank rates.
SWEAT EQUITY
- in lieu of cash equity, participation of recipients of housing
assistance in the form of labor.
COORDINATING
HUDCC
Home Financing
SSS, GSIS, HDMF
NHMFC
Land Tenure
CMP
UHLP
NHMFC
Devt Financing
Developer LGU
Landowner NGO
Low-income housing
production
Developer LGU
Landowner NGO
objectives
policies
strategies
program design
monitoring
SOCIAL HOUSING
DEVT LOAN FUND
NHMFC
JOINT VENTURE
PROGRAM
NHA
Regulatory
HLURB
Funders
SSS
GSIS
HDMF
WB
Originators
developers
NHA
Financial
institutions
NGO
HIGC
THE PRODUCTS
rationally sited settlements
livelihood components
basic services
affordable packages
needs-specific units
use of indigenous materials and
alternative technologies
1. Objectives
To allow community of blighted areas or
areas for priority development (APD) to own
the lots they occupy prior to February 25,
1986 and to improve or construct their
houses.
STEP-BY-STEP GUIDELINES IN
APPLYING CMP ASSISTANCE
1. Establish a Community Organization (CO)
thru HIGC or Cooperative Devt Authority.
2. CO negotiates to landowner, both signs a
MOA
3. CO chooses an Originator warrants
involvement in community development.
4. Originator applies to NHMFC for project
commitment.
5. CO and Originator submits Loan Documents
STEP-BY-STEP GUIDELINES IN
APPLYING CMP ASSISTANCE
6. NHFMC conducts loan evaluation and
mortgage evaluation.
7. Transfer of property, NHFMC and the owner
thru letter of guarantee
8. Loan and Property take out.
9. NHFMC and CO signs collection agreement
10. Individual members pay amortization to CO
which in turn remits the money to NHFMC.
11. NHFMC monitors collection.
History:
3. Presidential Decree No. 757 dated 31 July 1975,
Creation of National Housing Authority (NHA).
2nd attempt to integrate housing agency.
4. Ministry of Human Settlements (MHS) 1978,
Adopted wholistic approach to housing. NHA MHS
agency.
5. 1986, abolishment of MHS, EO # 1
6. EO # 90 ,1986, NHA as implementing agency of NSP
under HUDCC, sole govt agency to engaged in
housing production.
7. EO # 20, 2001, re affirmed HUDCC supervision of
NHA
Technical Assistance.
extends technical assistance to community
associations/cooperatives or Local Government
Units (LGUs)
negotiation with land owner,
preparation of required development plans,
formulation of disposition
and collection schemes
and processing of required documents