With an enormous total housing need of 3.7 million as of 2010, a total of 812,463 housing and shelter security units (i.e., house and/or lot) were provided from 2004 to 2010.
Indirect housing assistance (i.e., provision of retail and developmental guaranties, issuance of licenses to sell and assistance in comprehensive land use planning) delivered both modest and better-than-expected outputs. Against a target of 275,649 retail and developmental guaranties, the HGC guaranteed a total of 168,347 housing loans for an accomplishment rate of 61 percent. The HLURB issued a total of 1,294,985 licenses-to-sell exceeding its target of 1,028,853 licenses for an accomplishment rate of 126 percent which indicates a robust housing construction and completion of housing units. Moreover, the HLURB provided assistance to 419 LGUs in updating and formulating their Comprehensive Land Use Plans (CLUPs) against a target of 432. (Table 8.4).
Table 8.3. Direct Housing Accomplishments
Program (in households assisted) | Agency | Year | |||||||
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | Total | ||
Direct Housing Provision | |||||||||
1. NHA Housing Production | 20,180 | 39,786 | 37,601 | 41,528 | 47,112 | 29,413 | 23,276 | 238,896 | |
| 11,760 | 16,960 | 15,390 | 28,655 | 36,830 | 22,044 | 18,740 | 150,379 | |
Slum Upgrading |
| 1,395 | 4,136 | 1,338 | 3,707 | 6,231 | 2,187 | 2,068 | 21,062 |
Sites and Services |
| 2,036 | 1,192 | 2,061 | 4,036 | 1,361 | 1,463 | 1,142 | 13,291 |
| 2,871 | 1,033 | 927 | 721 | 41 | 456 | 572 | 6,621 | |
Medium-Rise Housing |
| 0 | 0 | 105 | 60 | 0 | 0 | 0 | 165 |
Other Housing Assistance |
| 2,118 | 16,465 | 17,780 | 4,349 | 2,649 | 3,263 | 754 | 47,378 |
2. Community Mortgage Program (CMP) | SHFC | 14,129 | 14,199 | 13,783 | 11,819 | 9,169 | 10,022 | 7,109 | 80,230 |
3. Retail and Developmental Financing |
| 44,614 | 39,138 | 33,427 | 48,020 | 62,846 | 75,328 | 118,785 | 422,158 |
End-User Financing | HDMF | 39,562 | 37,175 | 33,066 | 47,367 | 62,507 | 74,973 | 56,696 | 351,346 |
GFIs End-User Financing |
|
|
|
|
|
|
|
|
|
| 78 | 37 | 65 | 103 | 186 | 281 | 243 | 993 | |
| 187 | 91 | 47 | 37 | 62 | 74 | 50 | 548 | |
| 66 | 0 | 0 | 220 | 16 | 0 | 11,300 | 11,602 | |
| 4,721 | 1,835 | 249 | 293 | 75 | 0 | 50,496 | 57,669 | |
4. Provision of Secure Tenure |
|
|
|
|
|
|
|
|
|
Proclamations | 44,248 | 11,784 | 15,082 | 51,668 | 6,504 | 5,286 | 100 | 134,672 | |
Total Direct Housing Provision |
| 123,171 | 104,907 | 99,893 | 153,035 | 125,631 | 120,049 | 149,270 | 875,956 |
Source: HUDCC
The government provided housing tenure assistance through the following reform measures: (a) loan interest-rate reductions that brought down the lowest socialized housing package to 3 percent per annum; (b) extension of payment terms for all housing loans from 25 up to 30 years; (c) reduction of loan requirements from 15 to eight; and (d) reduction of loan processing time from three months to seven working days for developer accounts with buy-back guarantee, and 30 days for retail and developer accounts without buy-back guarantee.
Table 8.4. Indirect Housing Accomplishments
Program (in households assisted) | Agency | Year |
| ||||||
2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | Total | ||
Indirect Housing Provision | |||||||||
1. Home Guaranty Corporation | |||||||||
Retail Guaranty | 5,493 | 12,536 | 16,282 | 15,680 | 12,089 | 15,709 | 77,609 | 155,218 | |
Developmental Guaranty |
| 157 | 32 | 5,217 | 925 | 311 | 17 | 6,470 | 13,129 |
Securization |
|
|
|
|
|
|
| 24,678 |
|
2. Housing and Land Use Regulatory Board | |||||||||
License To Sell | 172,883 | 167,229 | 187,001 | 172,967 | 220,756 | 200,124 | 174,025 | 1,294,985 | |
| 123 | 104 | 106 | 102 | 104 | 103 | 110 | 752 | |
Source: HUDCC
Table 8.5. Total Housing Need: 2011-2016
Region | Year | Total | |||||
2011 | 2012 | 2013 | 2014 | 2015 | 2016 | ||
Philippines | 1,380,537 | 1,173,456 | 997,438 | 847,822 | 720,649 | 612,552 | 5,732,454 |
418,328 | 355,579 | 302,242 | 256,906 | 218,370 | 185,614 | 1,737,039 | |
10,035 | 8,530 | 7,250 | 6,163 | 5,238 | 4,453 | 41,669 | |
I - Ilocos | 48,323 | 41,075 | 34,913 | 29,676 | 25,225 | 21,441 | 200,653 |
II - Cagayan Valley | 29,582 | 25,145 | 21,373 | 18,167 | 15,442 | 13,126 | 122,834 |
Ill - Central Luzon | 112,675 | 95,774 | 81,408 | 69,197 | 58,817 | 49,994 | 467,865 |
IV-A - CALABARZON | 158,723 | 134,915 | 114,677 | 97,476 | 82,854 | 70,426 | 659,071 |
IV-B - MIMAROPA | 27,696 | 23,542 | 20,010 | 17,009 | 14,457 | 12,289 | 115,003 |
V - Bicol | 66,307 | 56,361 | 47,907 | 40,721 | 34,613 | 29,421 | 275,329 |
VI - Western Visayas | 90,111 | 76,594 | 65,105 | 55,339 | 47,039 | 39,983 | 374,171 |
VII - Central Visayas | 78,934 | 67,094 | 57,030 | 48,475 | 41,204 | 35,023 | 327,761 |
VIII - Eastern Visayas | 44,759 | 38,045 | 32,338 | 27,488 | 23,364 | 19,860 | 185,854 |
IX - Zamboanga Peninsula | 30,199 | 25,669 | 21,819 | 18,546 | 15,764 | 13,399 | 125,396 |
X - Northern Mindanao | 54,446 | 46,279 | 39,337 | 33,437 | 28,421 | 24,158 | 226,078 |
XI - Davao | 67,911 | 57,724 | 49,066 | 41,706 | 35,450 | 30,132 | 281,989 |
XII - SOCCSKARGEN | 47,291 | 40,197 | 34,168 | 29,043 | 24,686 | 20,983 | 196,368 |
XIII - CARAGA | 38,025 | 32,321 | 27,473 | 23,352 | 19,849 | 16,872 | 157,893 |
57,191 | 48,612 | 41,320 | 35,122 | 29,854 | 25,376 | 237,476 | |
Source: HUDCC
Table 8.6. Proportion of Households in Informal Settlements
| 2000 | 2006 | Growth (in %) |
All Households |
|
|
|
Philippines | 3.60 | 3.80 | 5.55 |
Urban | 3.48 | 5.65 | 62.35 |
Metro Manila | 5.30 | 9.60 | 81.13 |
The housing sector, however, confronts the following key challenges: