Tag: socialized housing

OSHDP Advocates for Robust Partnerships and Data-Driven Strategies in Socialized Housing

At the 2nd Socialized Housing Summit, held at the Ateneo de Manila University on March 18-19, 2024, Engr. Marcelino Mendoza of the Organization of Socialized and Economic Housing Developers of the Philippines Inc. (OSHDP) provided an in-depth look at the vital role mass housing developers play in addressing the country’s urgent housing needs. Organized by the Ateneo Center for Social Entrepreneurship (ACSent) and Social Enterprise Development Partnerships Inc. (SEDPI), the summit brought together key stakeholders to discuss innovative solutions to the housing crisis.

Mendoza shared heartwarming success stories, highlighting the transformative impact of socialized housing on beneficiaries, such as Angelie Mabulay, a visually impaired individual who, despite initial setbacks, successfully acquired a home through OSHDP’s intervention. These stories not only showcase the organization’s dedication but also emphasize the power of resilience and community support in overcoming adversity.

As OSHDP continues to champion “growth through dignified, decent, and affordable housing,” Mendoza outlined several forward-looking strategies to enhance the sector’s efficiency and responsiveness. A critical area of focus is addressing the significant data gap regarding the inventory of idle government land that could be utilized for socialized housing. Mendoza advocated for a more systematic approach to identifying and allocating these lands to maximize their potential for housing development.

Public and private partnerships were underscored as a cornerstone for advancing socialized housing initiatives. Mendoza called for strengthened collaborations between government agencies, private developers, and non-governmental organizations to pool resources, expertise, and capacities for more significant impact. Such partnerships could lead to innovative housing models that cater to the diverse needs of low-income families while ensuring sustainability and community resilience.

Another crucial area highlighted was the need for a transparent and equitable beneficiary selection and identification process. Mendoza proposed the development of a more structured queuing system to ensure fairness in allocating housing units and to prioritize those most in need. Additionally, the importance of social preparation prior to purchase was stressed, suggesting that potential homeowners be equipped with the knowledge and skills necessary for property and estate management to foster long-term success and community well-being.

In closing, Engr. Mendoza’s presentation at the summit served as a call to action for all stakeholders involved in socialized housing. By addressing data gaps, fostering public and private partnerships, and ensuring the equitable selection of beneficiaries, the sector can move closer to its goal of providing affordable, dignified, and decent housing for every Filipino family. The insights shared by Mendoza and other speakers at the summit underscore the urgent need for collective efforts to solve the housing crisis, bridging gaps through innovation, collaboration, and shared expertise.

Citihub Founder Panya Boonsirithum Advocates for Affordable Urban Housing at the 2nd Socialized Housing Summit

In a striking presentation at the 2nd Socialized Housing Summit, held on March 18-19, 2024, at the Ateneo de Manila University, Panya Boonsirithum, the founder of Citihub, shared his visionary approach to addressing Metro Manila’s housing crisis. Organized by the Ateneo Center for Social Entrepreneurship (ACSent) and Social Enterprise Development Partnerships Inc. (SEDPI), the summit brought together a diverse group of stakeholders to tackle the challenges of socialized housing in the Philippines.

Boonsirithum, through his social enterprise, Citihub, highlighted the profound disparity between the burgeoning population of Metro Manila, which swells from 12.8 million at night to 15 million during the day, according to the 2015 NSO Census. This phenomenon exacerbates the city’s homelessness and housing inadequacy, particularly for low-income workers who commute daily to the metropolis’s economic hubs such as Makati, Pasay, and the Port Area of Tondo.

Citihub’s innovative solution, the “POP-UP Mobile Dormitory,” aims to provide affordable, dignified, and environmentally sustainable housing for these workers. For a remarkably low fee of P99 per day (or P2,995 per month), residents can enjoy bed accommodations inclusive of power and water, fully air-conditioned rooms, free Wi-Fi, cable TV, and round-the-clock security with CCTV. Additionally, residents benefit from complimentary rice and mineral water, further alleviating their living costs.

Boonsirithum’s vision for Citihub is bold and clear: to eradicate homelessness in Metro Manila by establishing a Citihub in every city within the metropolitan area. By doing so, Citihub aims to be a for-profit social enterprise that significantly reduces the environmental footprint of urban housing while addressing the pressing need for affordable accommodations.

The growth plans of Citihub are ambitious, aiming to establish a hub in each of the 16 cities of Metro Manila. This expansion strategy underscores Citihub’s commitment to widespread social impact, emphasizing the enterprise’s dual focus on environmental stewardship and social progress.

Boonsirithum’s message to the summit attendees was one of inspiration and action. He urged everyone to champion causes that contribute to the nation’s development and to take an active role in building the future. Citihub’s project serves not only as a testament to what can be achieved through innovation and social entrepreneurship but also as a call to action for other stakeholders to explore and implement solutions that provide sustainable, affordable housing.

The summit, organized by ACSent and SEDPI, provided a valuable platform for sharing ideas, strategies, and success stories like Citihub’s. By bringing together government agencies, private sector partners, social enterprises, and civil society allies, the event aimed to forge a collaborative network dedicated to ensuring accessible, sustainable, and dignified housing for every Filipino. Boonsirithum’s presentation at the summit reinforced the critical role of innovative approaches and public-private partnerships in bridging the gaps in the housing sector and building futures through innovating solutions.

Socialized Housing Production Hits Record Low,SHDA Highlights Compliance Challenges at Housing Summit

During the enlightening 2nd Socialized Housing Summit, Santiago F. Ducay from the Subdivision and Housing Developers Association (SHDA) presented a concerning update on the state of socialized housing in the Philippines. The year 2023 saw the production of socialized housing units plummet to a historic low since 2001, with only 10,113 units completed. This stark decline underscores the growing challenges developers face in adhering to the mandated socialized housing construction requirements, leading many to opt for alternative compliance methods.

Ducay’s presentation at the summit, organized by the Ateneo Center for Social Entrepreneurship (ACSent) and Social Enterprise Development Partnerships Inc. (SEDPI) on March 18-19, 2024, at the Ateneo de Manila University, highlighted the legal framework governing socialized housing development. Despite the clear mandates outlined in Republic Act No. 7279, also known as the “Urban Development and Housing Act of 1992,” and subsequent amendments, the actual construction of socialized housing has been fraught with obstacles. These challenges have prompted developers to favor incentivized compliance via escrow, a method that, while legally permissible, does not directly contribute to increasing the stock of socialized housing units.

The summit delved into the nuances of the compliance mechanisms available to developers, including joint ventures with local government units (LGUs) and non-government organizations (NGOs), development of new settlements, and participation in community mortgage programs. However, the preference for the escrow option points to a need for a more streamlined and less burdensome compliance process that encourages direct investment in the construction of socialized housing.

Ducay also addressed the critical issue of the socialized housing price ceiling adjustments, noting that the last revision in 2018 has not kept pace with the rising costs of construction and land acquisition. This gap further complicates developers’ ability to deliver affordable housing units to low-income families, exacerbating the housing crisis.

In light of these challenges, SHDA’s presentation called for government intervention to facilitate easier compliance and encourage more developers to invest directly in socialized housing projects. Suggestions included revising the price ceiling for socialized housing, offering tax incentives, and reducing bureaucratic hurdles that currently deter developers from undertaking socialized housing projects.

The 2nd Socialized Housing Summit served as a crucial platform for stakeholders across the housing sector to converge, share insights, and discuss innovative solutions to the pressing housing needs of Filipinos. With the collaboration of ACSent and SEDPI, the summit underscored the importance of collective efforts in addressing the affordability and accessibility of housing in the Philippines, especially for the marginalized and low-income populations. The historic low in socialized housing production highlights an urgent call to action for both the government and the private sector to reevaluate and enhance their strategies for fulfilling the nation’s housing needs.

DENR’s Engr. Romeo P. Verzosa Outlines Land Titling Reform at the 2nd Socialized Housing Summit

The second day of the 2nd Socialized Housing Summit, co-organized by the Ateneo Center for Social Entrepreneurship (ACSent) and Social Enterprise Development Partnerships Inc. (SEDPI) on March 18-19, 2024, at Ateneo de Manila University, featured Engr. Romeo P. Verzosa, Assistant Director of the DENR – Land Management Bureau. His presentation provided an essential overview of the challenges and proposed reforms in the land titling process, a critical step in addressing the Philippines’ housing crisis.

Verzosa began by outlining the mandate of the Land Management Bureau under Executive Order No. 192, emphasizing the role of the DENR in surveying, disposition, and administration of public Alienable and Disposable (A&D) lands. He stressed the adherence to the Regalian Doctrine, enshrined in the 1987 Philippine Constitution, which posits that all natural resources are owned by the State, excluding agricultural lands from alienation.

A primary concern highlighted in Verzosa’s presentation was the need for agricultural land classification before titling, with nearly half of the Philippines’ land resources designated as agricultural. He explained the titling process and the modes of acquiring public A&D lands, including Free Patent, Homestead, Sales Patent, and Special Patent, under the Public Land Act.

In a compelling part of his talk, Verzosa detailed the improvements in the agricultural free patent process through Republic Act No. 11573 and its Implementing Rules and Regulations (IRR), providing avenues for citizens to secure land rights. He underscored the streamlined process for acquiring residential free patents under RA 10023, facilitating easier access for Filipino citizens to residential lands.

One of the most insightful portions of Verzosa’s presentation focused on the challenges and proposed solutions for land titling, notably addressing the data gap in inventorying idle government land for socialized housing. He called for strengthened public and private partnerships to leverage resources for housing development. Additionally, the importance of establishing a fair and orderly beneficiary selection and queuing system was emphasized.

The talk also shed light on the vital steps before land can be awarded, such as social preparation and the bolstering of property and estate management institutions, ensuring that beneficiaries are well-prepared for homeownership.

The summit provided a platform for Verzosa to share the way forward, including tackling procedural bottlenecks and reinforcing the partnership between DENR and other government entities to support the issuance of Special Patents for public uses.

SHFC Aims to Transform Lives with Resilient Communities Amid Housing Challenges

At the 2nd Socialized Housing Summit held at Ateneo de Manila University, Atty. Junefe G. Payot from the Social Housing Finance Corporation (SHFC) presented an approach to combat the Philippines’ housing backlog through resilient community-driven projects. Amidst a critical period where the production of socialized housing units plummeted to an all-time low in 2023, SHFC’s innovative strategies come as a beacon of hope for low-income Filipino families.

The SHFC, a key shelter agency attached to the Department of Human Settlements and Urban Development (DHSUD), has taken a front seat in implementing President Ferdinand Marcos Jr.’s flagship Pambansang Pabahay Para sa Pilipino Housing (4PH) Program. This initiative aims to eradicate the housing backlog by fostering community-guided programs that not only provide homes but also uplift the quality of life for the impoverished sectors, both formal and informal.

Payot elaborated on the legal frameworks underpinning the right to adequate housing, emphasizing the government’s constitutional commitment to ensure affordable housing and basic services to underprivileged citizens. The presentation highlighted the importance of security of tenure, availability of services, affordability, and habitability as minimum elements for adequate housing, aligning with both national and international human rights treaties.

In addressing the urban housing crisis, SHFC has championed the vertical housing approach, a solution designed to maximize limited urban spaces while providing more housing units than traditional horizontal developments. This method not only tackles the scarcity and high cost of urban land but also prevents uncontrolled urban sprawl, contributing positively to environmental sustainability. Payot cited several ongoing SHFC projects, including those in Pasay City, Bulacan, Valenzuela City, Naic, Cavite, and Quezon City, showcasing the diverse benefits of strategic location, self-contained communities, livelihood opportunities, green and walkable spaces, and flexible design choices.

The SHFC projects stand as self-contained communities, offering residents access to essential amenities, recreational spaces, and livelihood opportunities, thereby fostering local economic development and social capital. These initiatives not only aim to provide shelter but also to enhance the overall well-being and quality of life for vulnerable groups. Ongoing projects in key urban areas like Tondo and San Miguel, Manila; San Fernando City, Pampanga; Tagoloan, Misamis Oriental; and Calinan, Davao City, underline SHFC’s commitment to addressing the urban housing need comprehensively.

However, the journey towards resolving the housing crisis is fraught with challenges. Payot called for government support in various forms, including adjustments to the socialized housing price ceiling, maintenance of affordable interest rates for homebuyers, and encouragement of private sector participation in policy creation for the 4PH Program. These measures, along with an updated Housing Industry Roadmap, are critical for guiding both the government and private sector efforts in fulfilling the nation’s housing needs.

As the organizers, ACSent and SEDPI, convened the summit on March 18-19, 2024, at the Ateneo de Manila University, the event underscored the urgency of collaborative efforts in surmounting the housing challenges. SHFC’s vision of transforming lives through resilient communities offers a promising path forward, highlighting the indispensable role of innovative housing solutions in building a more inclusive and sustainable future for all Filipinos.

Senator Risa Hontiveros Advocates for Innovative Social Housing Solutions at the 2nd Socialized Housing Summit

Manila, Philippines – At the 2nd Socialized Housing Summit held at Ateneo de Manila University, Senator Risa Hontiveros delivered a compelling speech, outlining the dire need for innovative and inclusive solutions to the Philippines’ housing crisis. Addressing a gathering of developers, microfinance institutions, academes and housing advocates, Senator Hontiveros emphasized the dream of every Filipino to own a home, a dream currently threatened by the soaring costs of living.

In her address, the senator praised the collaborative efforts embodied in the Pambansang Pabahay para sa Pamilyang Pilipino program (4PH), designed to offer affordable homes to low-income families. This initiative represents a partnership between the government, banks, and private companies, aiming to construct homes more sustainably and inclusively.

Highlighting the attractiveness of 4PH for private developers, Senator Hontiveros detailed the program’s innovative approach, including financial support from Pag-IBIG Fund, guaranteed buyers, swift payments, and legal incentives. These mechanisms are intended to stimulate the construction of affordable housing with minimal capital exposure for the private sector.

However, Senator Hontiveros did not shy away from addressing the challenges facing the 4PH program, including concerns over the equitable distribution of subsidies and the need for the program to genuinely reach the most needy. She called for a greater focus on marginalized communities, who are often bypassed or threatened by such housing initiatives.

The senator’s speech also underscored the potential for microfinance institutions and real estate developers to cooperate in housing construction and financing, provided a favorable and enabling environment is created. She cited a survey by the Microfinance Association of the Philippines, which found a high demand among clients for upgrading their homes through microfinance loans, revealing an untapped Php80 billion housing finance opportunity.

Senator Hontiveros championed the cause of incremental housing and low-cost, self-built housing as legitimate modes of compliance with the balanced housing law. She called on Secretary Acuzar and industry partners to support innovative materials and building techniques to ensure homes are both resilient and affordable.

The senator’s vision extends beyond financial and material aspects; it encompasses creating innovative business strategies and collaborations that make project models easily replicable. She stressed the importance of community, technology, and partnerships with government and industry to address the housing needs of Filipinos.

Senator Hontiveros’s speech at the 2nd Socialized Housing Summit is a call to action for all stakeholders to work together towards creating sustainable and inclusive housing solutions. By leveraging innovative financing, technology, and partnerships, there is hope for addressing the Philippines’ housing crisis, ensuring that the dream of home ownership becomes a reality for every Filipino.

As the summit continues, the insights shared by Senator Hontiveros serve as a catalyst for further discussions and initiatives aimed at overcoming the challenges in the housing sector. Her advocacy for equitable, innovative, and community-centered solutions highlights the urgent need for a collective effort in bridging the housing gap in the Philippines.

Shelter for all: SEDPI partners with Pag-IBIG Fund to benefit more micro-entrepreneurs

“SEDPI’s partnership with Pag-IBIG Fund is a step closer to the organization’s vision of financial empowerment and financial inclusion for Filipinos,” Vince Rapisura, SEDPI President said when asked how the partneship is relevant to nation building.

The organization’s members consist of self-employed individuals in the informal sector with need for improved social protection and access to decent and affordable housing. This led SEDPI to agree to act as the conduit through which Pag-IBIG Fund membership shall be provided to its members.

“With this collaboration, decent and affordable housing is now reachable to all SEDPI members who belong to low income groups in Agusan del Sur and Surigao del Sur, two of the poorest provinces in the Philippines,” Vince Rapisura added.

Home Development Mutual Fund more popularly known as Pag-IBIG fund seeks to improve the quality of life of Filipinos by providing them sufficient shelter, an integrated nationwide provident savings, and housing through the mobilization of funds for shelter finance. It is mandatory for all Filipinos with monthly income of at least PhP1,000 to become Pag-IBIG Fund members. In addition, it is not only for formally-employed but also for self-employed and those from the informal sector.

SEDPI recognizes the value of Pag-IBIG Fund membership and the benefits of savings and home financing it provides for its members. Moreover. Pag-IBIG Fund and SEDPI agreed to jointly work in providing Pag-IBIG Fund membership for the self-employed members of SEDPI towards providing them access to provident savings and decent and affordable shelter financing through Pag-IBIG Fund’s programs.

Information dissemination

Since the agreement has been in place, Pag-IBIG Fund and SEDPI have been assisting each other in disseminating information and increasing awareness on the benefits of Pag-IBIG Fund membership. Pag-IBIG Fund has rendered orientations for the members, personnel and officers of SEDPI and has provided information materials such as leaflets, posters, tarpaulins, audio-visual presentation files and similar items on Pag-IBIG Fund membership and benefits.

SEDPI, on the other hand, displayed tarpaulins, posters and leaflets on Pag-IBIG Fund membership and benefits in conspicuous areas of its units and areas. It distributed and made available Pag-IBIG Fund program leaflets during its regular meetings and provided a timeslot in its meetings for the playing of audio-visual presentations on Pag-IBIG Fund membership and benefits, whenever feasible. SEDPI also made its own promotional materials for Pag-IBIG membership, which comes in various forms — articles, videos, etc.

Pag-IBIG also became part of SEDPi’s Social Welfare Protection Program (SWePP), a consolidated microinsurance and social security program which aims to provide security and financial safety net to members through adoption of various insurance schemes.

Interested members must fill out the SWePP application form at the SEDPI MF office or during SWePP orientation programs in community gatherings and events. SWePP with Pag-IBIG is available to SEDPI members who are existing Pag-IBIG members.

SEDPI conducted training events to promote Pag-IBIG locally and abroad. In partnership with Pag-IBIG Fund, approximately 1,500 microenterprises attended the events promoting Pag-IBIG in Agusan del Sur and Surigao del Sur. Abroad, 2.230 participants, mostly domestic helpers, attended financial literacy training that promotes Pag-IBIG in Macau, Singapore, Bahrain, Qatar and United Arab Emirates. The events became an opportunity to encourage Filipinos to patronize Pag-IBIG and realize the benefits it offers.

Registration and membership

Pag-IBIG Fund and SEDPI also assisted each other in the membership registration of SEDPI’s members to Pag-IBIG Fund. To facilitate this, Pag-IBIG Fund trained SEDPI’s authorized representatives in the membership registration process and conducted membership registration for SEDPI’s members.

In the agreement, Pag-IBIG Fund is to provide SEDPI members of their statement of membership savings (contributions) which include their contributions and the corresponding dividends earned annually.

Pilot housing project

A very exciting part of this partnership between SEDPI and Pag-IBIG Fund is the pilot housing project. SEDPI shall undertake a pilot housing project to benefit qualified SEDPI members. SEDPI shall provide or identify land that can be developed as its housing project for its member-beneficiaries capable of paying housing loan amortizations and who possess good moral character.

SEDPI will identify qualified members based on eligibility requirements provided in the Pag-IBIG Fund’s housing loan program and enter into a collection servicing agreement with Pag-IBIG Fund for the collection of the monthly housing loan amortization of the member-beneficiaries.

For its part, Pag-IBIG Fund shall extend individual housing loan to qualified SEDPI member-beneficiaries of the proposed housing project. It shall also enter into a collection servicing agreement with SEDPI for the collection of the monthly housing loan amortization of their member-beneficiaries and assist SEDPI in coordinating with other key shelter agencies for the successful implementation of the proposed housing project.

In 2019, SEDPI already procures a small lot in Rosario, Agusan del Sur that will serve as the pilot site. It is cureently undergoing negotiation for another lot in municipality of Veruela in the same province.

Advantages of the partnership

For those with maximum monthly compensation of PhP5,000, monthly savings with Pag-IBIG Fund is PhP100. With the partnership between SEDPI and Pag-IBIG Fund, however, members of both institutions only need to pay PhP20 per month or PhP5 per week. Contributions are paid during weekly group meetings held within the barangay where the members live; it saves them costs in visiting the nearest Pag-IBIG Fund branch, which is one town away, at best.

As members, they gain access to Pag-ibig Funds affordable housing program. This gives them the opportunity to avail housing loan as much as PhP450,000 with only 3% interest per annum. This loan amount will already give them enough funds for purchase of lot or house and lot, house construction, or home improvement which can be paid up to thirty (30) years.

Milestones and prospects

At present, SEDPI was able to register more than 2,500 member-beneficiaries with contributions amounting to around PhP400,000. SEDPI has now also already submitted several applications from its members for the availment of various Pag-IBIG benefits.

With the continued support of Pag-IBIG Fund, SEDPI anticipates more of its members and even non-members to be encouraged to become member of both Pag-IBIG and SEDPI. The organization looks forward to more microentrepreneurs benefiting from the programs of Pag-IBIG Fund.