1. Republic of the Philippines
TARLAC STATE UNIVERSITY
Tarlac City
Housing
in the
Philippines
EDUARDO A. PANTIG JR.
MAEd - TLE

2. List the factors affecting housing
needs.
Identify the housing problems in the
Philippines.
 Know the government’s help to solve
housing problems.

3. FACTORS THAT AFFECT
HOUSING needs
The first step in buying a home is
knowing what type of housing best
suits your family needs. Housing needs
vary according to family life stages, or
your perception of what you need
in a house.

4. FACTORS THAT AFFECT
HOUSING needs
1. CLIMATE
can vary from warm to
cold, and from dry to humid.

5. FACTORS THAT AFFECT
HOUSING needs
2. LOCATION
the specific placement of a
home.

6. FACTORS THAT AFFECT
HOUSING needs
3. COST
Cost is a crucial factor in
housing needs for almost
everyone.

7. FACTORS THAT AFFECT
HOUSING needs
4. TASTE
This is the sense of what is
fitting, harmonious or beautiful.

8. FACTORS THAT AFFECT
HOUSING needs
5. LIFESTYLES
When selecting a home, one
needs to consider the lifestyles of
all family members.

9. HOUSING PROBLEMS
Why Juan and
Maria de la Cruz
are homeless in
the Philippines?

10. HOUSING PROBLEMS
1. Migration of people from rural
areas to urban areas.

11. HOUSING PROBLEMS
2. Robust population growth.

12. HOUSING PROBLEMS
3. Poverty due unemployment.

13. HOUSING PROBLEMS
4. Industrialization.

14. HOUSING PROBLEMS
5. Minimum Wage of Filipinos.

15. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS
Government funded housing was established
after the need for safe and affordable housing
presented itself. Once created, low-income
families were provided with a roof over their head
that they could afford. Government funded
housing is not just reserved for apartments, but
single family homes.

16. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS
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.

17. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS
1. 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.

18. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS
2. 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 nation's basic
concerns: (a) the generation of savings and (b) providing
shelter for Filipino workers.

19. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS
3. 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.

20. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS
4. 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 middle
and low-income families.

21. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS
5. 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 and
operation of a secondary market for home
mortgages.

22. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS
6. 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.

23. GOVERNMENT’S HELP TO SOLVE HOUSING
PROBLEMS