1. REPUBLIC OF THE PHILIPPINES

2. PHILIPPINE MAP
SOUTHEAST ASIA

3. DEMOGRAPHIC PROFILE AS OF YEAR JULY 2003
POPULATION = 84,619,974
POPULATION GROWTH RATE 1.92%

4. NATIONAL SHELTER PROGRAM
Mandated by 1986 Philippine Constitution
Provision on “Urban Land Reform and Housing”
The State Shall:
In cooperation with the private sector provide affordable decent housing and basic services
For the under-privileged and homeless citizens in urban & resettlement areas
Relocation of urban or rural poor dwellers must on just humane manners (R.A. 7279).

5. HOUSING AND URBAN DEVELOPMENT COORDINATING COUNCIL (HUDCC)

6. HOUSING & URBAN DEVELOPMENT COORDINATING COUNCIL (HUDCC)
Executive Order 90 S. 1986
Identified the government agencies essential for the National Shelter Program (NSP) & defining that mandates for lending purposes, home mortgages & buyers protection.
Created the Housing & Urban Development Council composed of Key Shelter Agencies (KSA) which are responsible in urban & housing development.
Home Guaranty Corporation
National Housing Authority
National Home Mortgage Financing Corporation
Home Mutual Development Fund
Housing and Land Use Regulatory Board
Directly under the supervision of the Office of the President

7. FUNCTIONS OF HUDCC 1.
To formulate national objective for housing and urban development. 2.
To determine the participation & coordinate the activities of the KSA in the NSP. 3.
To assist in the maximum participation of the private sector in the delivery of housing & urban development 4.
To recommend new legislation; amendments to executing laws necessary for the attainment of government’s NSP. 5.
To implement the National Urban Development via the following:
Resettlement Program
Medium-Rise Public & Private Housing
Coordinating Mortgage Program
Local Housing
The National Urban Development & Housing Framework Plan refers to the comprehensive plan for urban & urbanizable lands consisting of housing, infra, social programs

8. HOUSING & LAND USE REGULATORY BOARD (HLURB)

9. M A N D A T E S M I S S I O N HLURB ENHANCE RATIONAL LAND USE
ENHANCE HOUSING AND REAL ESTATE DELIVERY
THROUGH:
Policy Development
Land Use Planning
HLURB
Regulations
Adjudication of Cases
M I S S I O N
Regulate housing and land use towards shelter security and a balance urban development

10. HLURB POLICY DEVELOPMENT
Formulate, update and revise guidelines, standards, rules and regulations on land use/zoning and subdivision/condominium development.
HLURB
Update and disseminate the National Urban Development & Housing Framework

11. HLURB LAND USE PLANNING
Provide technical assistance in the formulation of CLUPs to provinces, cities and municipalities.
HLURB
Review and rectify land use plans of provinces, highly urbanized cities and Metro Manila areas.

12. REGULATIONS
Evaluate and approve subdivision and condominium plans
Issuance of Certificate of Registration and License to Sell to Condominium and Subdivision projects
HLURB
Issuance of Certificate of Completion, Brokers License, HOA Registration, Zoning Certification, etc.
Monitor compliance of developers with approved subdivision and condominium projects

13. HLURB ADJUDICATION OF CASES
Investigate /adjudicate cases pertaining to town planning/zoning, housing and real estate delivery.
( aggrieved buyer shall file case with HLURB on;
non-completion and non-development )
HLURB
Register, monitor/supervise and adjudicate intra corporate disputes of HOAs

14. THE ORGANIZATIONAL CHART OF HLURB
BOARD OF COMMISIONERS
Executive Committee
BOARD SECRETARIAT
CHIEF EXECUTIVE OFFICER
3 Full Time Commissioners
INTERNAL AUDIT SERVICES*
ADMIN. And FINANCE GROUP
BUDGET DIVISION
ACCOUNTING DIVISION
HUMAN RESOURCES MANAGEMENT DIVISION
GENERAL SERVICES DIVISION
HOMEOWNERS ASSOCIATION GROUP***
FIELD OPERATION SUPPORT GROUP
PLANS AND PROGRAMS GROUP
EXECUTIVE PROGRAM GROUP
APPEALS REVIEW GROUP
LEGAL SERVICES GROUP
RULES AND SYSTEM DEVELOPMENT GROUP
INFORMATION TECHNOLOGY GROUNP**
REGIONAL FIELD OFFICES Region I – XIII, CAR, and NCR
* Created pursuant to Presidential AO No. 278, S’92 / RA 3456 amended by RA 4177
** Created pursuant to EO No. 190, Series of 1994 to oversee the implementation of HLURB’s approved Information System Plan (ISP).
*** Created pursuant to R.A. 8763

15. THE ORGANIZATIONAL CHART OF HLURB, ENCRFO
REGIONAL DIRECTOR
ADMINISTRATIVE SECTION
LEGAL SERVICES SECTION
TECHNICAL SERVICES SECTION
ARBITRATION & ADJUDICATION DIVISION
HOMEOWNERS ASSOCIATION UNIT
MONITORING UNIT

16. HOUSING & LAND USE REGULATORY BOARD MAJOR PROGRAMS AND PROJECT CY 2004
A. Policy Development
Update, amend, formulate standards and guidelines on land use planning, real estate development and homeowner’s associations (HOAs) for formulation, update or amendment.
B. Comprehensive Land Use Planning
Provide technical assistance to 153 local government units (LGUs) in the preparation/update of their Comprehensive Land Use Plan (CLUP).
There are three hundred (300) CLUPs for formulation/updating As of June 2003, there are about five hundred (500) CLUP in various approval stages.
HLURB assist LGUs in the review and approval of the plans to ensure adoption of the same by the respective LGUs and final approval/ratification by the respective Sangguniang Panlalawigan (SP) or the HLURB).

17. HOUSING & LAND USE REGULATORY BOARD MAJOR PROGRAMS AND PROJECT CY 2004
C. Regulation of Housing and Real Estate Development
Issuance of permits, clearances, licenses and certificates, monitoring/investigation of real estate projects and, regulations of homeowner’s associations.
Issuance of 2,000 permits to sell for subdivision and condominium projects covering 120,000 units
Conduct of 17,000 field or non-field investigation of development project
Monitoring /supervision of 3,000 HOA
D. Adjudication and Resolution of Cases and Complaints
1370 cases are targeted for adjudication and 480 for resolution of appealed cases.

18. TOTAL HOUSING NEEDS

19. GOVERNMENT HOUSING PROGRAM DEVELOPMENT January 2001 –December 2002

20. HGC GUARANTY ENROLLMENTS
For 2002, HGC guaranteed a total of 28,651 units amounting to P B or 99% of its target of 29,077 units for the same year
Of the total accomplishment, 11,958 units with a value of P1.945 B or 42% are socialized housing; 16,161 units with a value of P8.250 B or 56% are low-cost housing; and 532 units with a a value of P1.615 B or 2% are Medium and Open Housing

21. LICENSES TO SELL ISSUED BY HLURB
For 2002, HLURB has issued 113,452 Licenses to Sell to developers.
This is 14.0 percent higher than the 97,437 licenses to sell in 2001.

22. STRATEGIES AND POLICY REFORMS

23. A. Making Housing Market more Efficient
STRATEGIES
ACCOMPLISHMENT/STATUS
Revised IRRs of BP 220 (Economic and Socialized Housing Project) and PD 957 (Subdivision and Condominium Buyer’s Protective Decree) in 2002 1.
Development of appropriate housing and subdivision standards that ensure safety and welfare of households and are easier to enforce.
Amended guidelines on receipt, processing and approval of application for condominium projects and certification of registration and licenses to sell for subdivision and licenses to sell for subdivision and condominium projects pursuant to the directive of Pres. Arroyo thru EO 45 S.2001

24. Cont ….. Making Housing Market more Efficient
STRATEGIES
ACCOMPLISHMENT/STATUS
Continued accreditation of innovative technologies. As of 2002, a total of 17 innovative technologies and materials, and 48 models were accredited to bring down the cost of housing 2.
Promotion and development of new housing technologies that can provide quality housing at the least cost.

25. Cont ….. Making Housing Market more Efficient
STRATEGIES
ACCOMPLISHMENT/STATUS
Shortened the days of acquiring permits like license to sell, environmental compliance certificate and building permit 3.
Cut by at least half the number of days, processes and requirements for loan applications and housing permits.
Reduced the processing time for loan application from 30 to 15 days and even to 5 days.
More housing loans for the low cost housing beneficiaries were granted

26. B. Creating a Sustainable Housing Finance System
STRATEGIES
ACCOMPLISHMENT/STATUS
A total of P7.0 B in face value amounts of HGC Zero Coupon Bonds from the capital market was raised. The proceeds were used to settle unpaid calls and service interest payments of the debenture bonds. 1.
Generation of long-term funds for the housing sector through adoption of innovative financial schemes.
HDMF floated P2.0 B worth bonds to increase funds for housing, which to date generated over P582 M.

27. Cont ….. Creating a Sustainable Housing Finance System
STRATEGIES
ACCOMPLISHMENT/STATUS
Used housing bonds to purchase acquired properties of banks/ financial institutions (at a discount). Banks shall provide the developer with credit facilities to be used as working capital and payment for the construction of residential units. Developer shall mortgage the property (and improvements) in favor of the bank to secure the credit facilities 1.
Generation of long-term funds for the housing sector through adoption of innovative financial schemes.

28. C. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
Undertake a comprehensive in-city or near city relocation program for informal settler areas 1.
Prioritization of assistance to those who are in danger areas (river banks, esteros and other flood prone areas), those in the right-of-way of government infrastructure project, and those in threat of demolition
Government identified and disposed public lands for relocation of informal settlers and for building MRBs. e.g.the 50 has. land for prison, government owned golf courses and idle lands are now converted to housing project

29. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
To date, the President has already proclaimed hectares of alienable and disposable government lands benefiting 203,540 families 2.
Regulation of tenure of informal settler families occupying public lands
Eighteen (18) public lands have been identified and proclaimed from all over National Capital Region (NCR) for the relocation of informal settler, and housing of national and local employees

30. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
Solicitation for the selection of private sector joint venture partners is now on-going 2.
Regulation of tenure of informal settler families occupying public lands
Fast tracked the disposition of unoccupied housing units “as in where is” basis and at discounted price

31. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
Historically, government allocation for housing accounts for less than 1% of the total annual budget of the government. For 2001, 2002 and 2003, government allocation for housing accounts for 0.82%, 0.26% and 0.21% of the government annual budget, respectively. 3.
Allocation of greater resources of the national government to address the needs of the informal sector
Pursued adoption of a specialized viable shelter finance program such as:
mobilizing resources of existing housing agencies

32. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
developing a strong Secondary Mortgage Market
strengthening restructuring and coordinating all housing agencies
maximizing private sector participation and support (both domestic and international
promoting affordable public housing through rental schemes, townships and resettlements 3.
Allocation of greater resources of the national government to address the needs of the informal sector
Promotion of housing via the cooperative system

33. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
Registered a total of 787,867 socialized housing beneficiaries in compliance with the Urban Development and Housing Act of 1992 4.
Completion of listing of beneficiaries of housing projects and to facilitate consultation with affected informal settlers on appropriate action plans for relocation, housing and resettlement
HUDCC in cooperation with ADB completed a study on the provision of compensation for involuntary displacement (Resettlement Technical Assistance No. 5935)

34. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
Pursued curtailment of professional squatters thru issuance of Executive Order No. 153 (10 December 2002) “Instituting the National Drive to Suppress and Eradicate Professional Squatting and Squatting Syndicates.” the EO mandated HUDCC to lead in the identification of professional squatters, squatting syndicates, DOJ in the prosecution of professional squatters and National Police Task Force to apprehend the same 4.
Completion of listing of beneficiaries of housing projects and to facilitate consultation with affected informal settlers on appropriate action plans for relocation, housing and resettlement

35. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
HUDCC prepared a Policy Paper on Public Rental Housing, which would cushion the impact of free rental market 5.
Promotion of an efficient rental markets through incentives for the private sector participation
HUDCC in cooperation with JICA conducted a 3-day orientation seminar on Public Rental Housing System of Japan attended by LGUs, shelter agencies and other government agencies involved in rental housing

36. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
HUDCC submitted a project proposal (A study on the Improvement of Urban Poor in Metro Manila) on rental housing to JICA. The said study is now being reviewed by JICA. 5.
Promotion of an efficient rental markets through incentives for the private sector participation
NHA institutionalized lease purchase option for beneficiaries of resettlement projects and for marginal income families In slum upgrading projects

37. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
Under Resettlement Program, beneficiaries can lease the lot/housing units for five years are credited to the selling price 5.
Promotion of an efficient rental markets through incentives for the private sector participation
Under the Resettlement program, beneficiaries are also given a one year moratorium on payments to mitigate the effects of economic dislocation

38. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
NHA also institutionalized a rental program under its Medium Rise Housing Program for informal settler families who are unable to purchase housing units 5.
Promotion of an efficient rental markets through incentives for the private sector participation
Under Slum Upgrading, low-income families are allowed to lease the lot/unit for three years renewable at NHA’s option.

39. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
Fast tracked the disposition of unoccupied housing units “as is where is” basis and at discounted price. To date, a total 5,887 of housing units were already disposed by HDMF, HGC and SSS. 6.
Provision of onsite and off-site services to housing projects located outside the major metropolitan centers

40. ACCOMPLISHMENT/STATUS
Cont ….. Accelerating Assistance and Provision of Security of Tenure for Informal Sector
STRATEGIES
ACCOMPLISHMENT/STATUS
NHA also administered the government-led MRB projects. To date, a total of 15 sites covering an area of has. will be developed and are expected to generate approximately 229 MRBs or a total of 18,118 units to benefit low-salaried national and local government employees in Metro Manila 6.
Provision of onsite and off-site services to housing projects located outside the major metropolitan centers

41. D. Making Housing Loans available and affordable to Low- Salaried Members of the Fund
STRATEGIES
ACCOMPLISHMENT/STATUS
HUDCC Council adjusted the loan ceiling on 21 October 2002 for the following loan packages: 1.
Making housing loans accessible at affordable rates for the formal sector or those who are employed and are members of the pension funds
Socialized Housing - P 225,000 and below
Low Cost
Level P225,000 to P500,000
Level P500,000 to 2.0 M
Reduced interest rates for the Pag-IBIG retail lending program as follows:
Up to P150, % from 9%
Over P150,000 to 225, %
Over P225,000 to P500, % from 12%
Over P500,00 to P2.0 M %Market Rate

42. ACCOMPLISHMENT/STATUS
Cont ….. Making Housing Loans available and affordable to Low Salaried Member of the Fund
STRATEGIES
ACCOMPLISHMENT/STATUS
The revised interest rates can reduce the monthly amortization of buyers by as low as 15% to 25% depending on loan amount 1.
Making housing loans accessible at affordable rates for the formal sector or those who are employed and are members of the pension funds
Increase Loan to Value Ration for HDMF’s lending Program, as follows:
Over P180,000 to P500,000 – 100% from 90%
Over P500,000 to P1.0 M – 100% from 90%
Over P1.0 M to P2.0M – 90% from 70%*
(* Not included in the buyback agreement)
Extend loan term from 20 to 25 years for loan over P500,000

43. ACCOMPLISHMENT/STATUS
Cont ….. Making Housing Loans available and affordable to Low Salaried Member of the Fund
STRATEGIES
ACCOMPLISHMENT/STATUS
Reduced interest rates for GSIS retail lending program, as follows: 1.
Making housing loans accessible at affordable rates for the formal sector or those who are employed and are members of the pension funds
Up to P180, – 8%
Over P180,000 to P300, – 10%
Over P300,000 to Open – 12%
Provided partial payments/ takeout of CMP project with previous Board Approval for issuance of Letter of Guaranty

44. E. Strengthening the Shelter Delivery System & Accelerating the Localization of Housing & Development Effort
STRATEGIES
ACCOMPLISHMENT/STATUS
As of December 2002, HLURB already provided technical assistance to 1,274 LGUs. To date, a total of 71 LGUs have approved CLUPs, 423 LGUs with updated CLUPs and 780 LGUs with CLUPs for updating 1.
Provide technical assistance to LGUs in preparing and updating their CLUPs
Of the remaining 354 LGUs without approved CLUPs, 331 LGUs are already in the process of preparing/updating their CLUPs while only 3 LGUs have not yet started the preparation of their CLUPs

45. THANK YOU!!!