Social Housing Finance Corporation (SHFC)

Consultant: ROGELIO M. BALANZA

ACCOMPLISHMENT REPORT

Month of FEBRUARY 2020
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/

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Social Housing Finance Corporation (SHFC)

Consultant: ROGELIO M. BALANZA

ACCOMPLISHMENT REPORT

Month of FEBRUARY  2020
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/

PUBLISHED NEWS REPORTS/PHOTONEWS/COLUMNS (All stories posted in the websites DURIAN POST (durianburgdavao.com) and TOPNEWSNOW (topnews1948.com)

 

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SHFC: Child-friendly low-cost housing for Pinoys

The Social Housing Finance Corporation (SHFC), the government agency tasked with implementing socialized housing, not only builds roofs for the country’s homeless.

We also see to it that all our projects are child-friendly, said Atty. Arnolfo Ricardo Cabling, SHFC president.

Cabling said child-friendly features incorporated in the projects are amenities like playgrounds and parks, along with health and educational facilities for children, among others.

PHOTO CAPTION: SHFC Executive Vice President Atty. Junefe Payot, together with Estate Management Division OIC-Manager Philip Robert Flores, had a productive discussion with UNICEF Philippines officials on November 15, ensuring that the existing and future socialized housing projects of the agency are child-friendly.

“Housing is a human right that facilitates the acquisition of other rights such as children’s rights,” Atty. Payot said. SHFC, in this regard, will continuously build partnerships with organizations such as UNICEF to learn better developmental approaches in forging child-friendly communities.

PHOTO CAPTION: No longer living in danger zones where they are threatened by floods, children of recipients of the SHFC low-cost housing project in Naic, Cavite happily pose with pride with their new home at the background 

In Naic, Cavite, children of at least 1,180 families now call as their home a child-friendly housing project at Coastal City, Brgy. Timalan built for them by SHFC. The recipients were Informer Settler Families (ISF) plucked out from danger zones in four rivers of Las Pinas — Almirante Creek, Tar-Tar Creek, Pasong Cobra Creek, and Las Piñas River.

Funded by SHFC,  the P475-million housing project on a five-hectare land was constructed by First RGP Land Development Corporation.

The chosen beneficiaries underwent screening and were validated and certified by the Department of Interior and Local Government; and prequalified by the Social Housing Finance Corporation.

Each unit has a 24-sqm ground floor and a 12-sqm loft. Families will pay P803 monthly during the first year. Payment will increase by 10 percent annually for the next 30 years.

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SHFC: HOW TO AVAIL OF ADDITIONAL HOUSING LOAN

How Social Housing Finance Corporation (SHFC) housing loan recipients can avail of additional loans for home improvement (with photo,  video and infomercial)3

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SHFC: The Community Mortgage Program (CMP)

CMP LOAN COLLATERAL
The land to be acquired by the Community Association (CA) shall serve as the CMP loan collateral, and will be acceptable if the following criteria are met:
1. The title to the land is free from all liens and encumbrances at the time of release of the CMP loan;
2. The land is not classified as agricultural;
3. The land is not within environmentally-constrained/ hazardous or high-risk areas as certified by the DENR and the concerned local government unit;
4. The land has a road right of way or an access road lot to a city, municipal or barangay road; and
5. The landowner should have the legal capacity to sell or transfer the subject property for loan collateral under the CMP.BORROWERS
Tenants/beneficiaries shall form and register a CA, which entity shall borrow and initially own and mortgage the land. Individual beneficiaries’ right over the land and eventual ownership of the lot is achieved through a Lease Purchase Agreement (LPA) with the CA.

ELIGIBILITY OF CMP BORROWERS
1. Filipino citizen, of legal age (18) at the time of the loan application and shall not be more than 60 years old upon loan release;
2. Certifies under oath that he/she has not been a recipient of any CMP loan or other govt. housing programs. Does not own or co-own a real property and is not a professional squatter as defined in RA 7279;
3. Must be a structure owner, a renter or a sharer at the site.DELINQUENCY / DEFAULT
A CA account is considered in default if it is not up to date with its loan amortization payments equivalent to three consecutive months.PENALTIES
In case of non-payment of monthly amortizations on the due date (one month after release of the loan), the CA shall pay a penalty equivalent to 1/15 of 1% for day of delay.INSURANCE
For the duration of the loan, there shall be a Mortgage Insurance on the lives of the principal borrowers as identified in the Master List of Members on a yearly renewable term basis. The insurance premiums shall be included in the monthly amortizations of the members.

SUBSTITUTION OF BENEFICIARIES / FORECLOSURE
The Master list of members submitted as part of the CMP loan application are deemed final and may not be subject to substitution during loan application processing period. A member may be substituted due to the following:

Substitution of beneficiaries:

1. MB has executed a notarized Voluntary Waiver of Rights on his/her allocated lot unit;
2. MB is an absentee MB (absentee is defined as failure to occupy the assigned lot/ unit without justifiable reason within one [1] year from take-out);
3. Existence of a final and executory decision or order from the courts or quasi-judicial body directing the MB to be substituted;
4. Upon death of an MB and his/her Mortgage Redemption Insurance (MRI) proceeds is insufficient to cover arrears in loan amortization; and
5. When any of items as mentioned under CMP Circular No. 046 occurs constituting an event of default under the Lease Purchase Agreement or Lease Agreement signed by the MB and the CA with the community

Renters or sharers in the project sites shall be preferred or prioritized in the substitution process.

The CA shall be responsible for the substitution of the member without prejudice to the right of SHFC to disqualify substitute members if they fail to meet the qualifications of a member or if there is proof of misrepresentation by the CA officers.

COMMUNITY MOBILIZERS (CMP-M)
Accredited CMP-Ms are tasked to assist informal settlers in organizing themselves into CAs. CMP-Ms may either be any government entity, non-government organizations (NGO) and People’s Organizations (PO) and must possess the needed skills to organize communities, document CMP project applications, and provide access to other government agencies involved in the program.

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Social Housing Finance Corporation (SHFC)

Consultant: ROGELIO M. BALANZA

ACCOMPLISHMENT REPORT

Month of JANUARY 2020
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/

Social Housing Finance Corporation (SHFC)

Consultant: ROGELIO M. BALANZA

ACCOMPLISHMENT REPORT

Month of JANUARY 2020
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/

PUBLISHED NEWS REPORTS/PHOTONEWS/COLUMNS (All stories posted in the websites DURIAN POST (durianburgdavao.com) and TOPNEWSNOW (topnews1948.com)

50,000 Informal Settler Families (ISF) resettled under Duterte administration

SPECIAL REPORT: SHFC cuts down socialized housing loan interest from 6 percent to 2 percent

The government agency tasked with funding housing for the country’s homeless families has cut down interest on socialized housing loans from 6 percent to 2 percent.

Secretary Eduardo del Rosario, chief of the newly-created Department of Human Settlements and Urban Development (DHSUD), and Atty. Arnolfo Ricardo Cabling, president of the Social Housing Finance Corporation (SHFC), bared the bonanza for the country’s homeless during  the 16th SHFC Founding Anniversary celebration held on January 24, 2020 in Makati City.

The new reduced interest rates, approved by the SHFC Board of Directors last year, covers loan applications for socialized housing starting January 2022. 

Under the new scheme, borrowers with low income — households  within the two lowest income decile (bracket), including those below the poverty threshold based on latest results of the Family Income and Expenditure Survey — will pay interest rate of only 2 percent from the previous 6 percent. Moreover, the repayment term under the new scheme has been extended from 25 years to 35 years.

To benefit from the reduced interest, borrowers must avail of the SHFC’s full package scheme consisting of a loan for lot acquisition, site development and house construction under its Community Mortgage Program (CMP). Duly organized and registered homeowners associations and community associations shall serve as conduit of the housing loans.

The reduced interest rates will also benefit borrowers above low-income earners. Families in the 3rd decile will now pay interest of 4%, while those in the 4th to 7th decile will pay 4.5%. Families in the 8th to 10th decile or those with highest paying capacity, will continue to be charged the 6% interest, but with repayment terms extended to 30 years.

In his speech at the Founding Anniversary’s Ulat sa Pamayanan (Report to the People), del Rosario said the CMP’s reduced interest rate of 2 percent is the lowest ever in the history of housinf finance in the country.

CMP, the SHFC flagship program, has already benefited over 350,000 borrowers through over P16 Billion in loan assistance for socialized housing. In 2019 alone, about P2.8 Billion was extended to 32,797 beneficiaries. The figure is a record -high performance for CMP, twice that of the previous year and thrice that in 2017.

SHFC records show that  80% of the beneficiaries  are Informal Settler Families (ISF) displaced from shorelines, rivers and other risk areas, indicating that the biggest beneficiary of the housing program of the administration of President Rodrigo Duterte are the poorest of the homeless Filipinos.

SHFC DEFAULTING HOUSING LOAN BORROWERS TOLD: AVAIL OF CONDONATION

HERE IS GOOD NEWS FOR HOUSING LOAN BORROWERS OF THE SOCIAL HOUSING FINANCE CORPORATION (SHFC) WHO DEFAULTED ON THEIR AMORTIZATION

 

For those who have already availed of loans but are falling behind on their payments, SHFC will alleviate their burden and get them fully on track to their dream home by availing  of our penalty condonation program, said the government agency that provides low-interest, long-term social housing loans to  under-privileged communities and homeless Filipinos through the SHFC Community Mortgage Program (CMP).

SHFC announced the saving grace for borrowers defaulting on their monthly payments as it celebrated its 16th Founding Anniversary on January 24, 2020 in Makati City.

“This is our gift to our low-income clients on  the occasion of our anniversary,” said SHFC president Atty. Arnolfo Ricardo Cabling.

Cabling  urged CMP partner-homeowners to avail of this last chance to restructure their loan; otherwise, they will face a collection suit or foreclose.

The condonation is in line with Republic Act No. 9507 or the Socialized and Low-Cost Housing Loan Restructuring and Condonation Program.

“We are hoping that our partner-homeowners will immediately fill their application before the program ends in 2021,” said Cabling.

The loan restructuring scheme covers partner-homeowners with accumulated arrears equivalent to at least three months amortizations, except those who have previously availed of the benefits.

The loan relief initiative will give economically depressed partner-homeowners an opportunity to easily update their accounts because they will no longer pay the accumulate penalties and surcharges incurred from unpaid amortization and thereby save their homes from foreclosure, said Cabling.

The condonation program is one of two big news announced as SHFC celebrated its Founding Anniversary.

 

Secretary Eduardo del Rosario, chief of the newly-created Department of Human Settlements and Urban Development (DHSUD), and Guest Speaker of the anniversary event, and president Cabling also bared that interest loans for socialized housing loans under the SHFC’s CMP program will be reduced from 6% to 2%.

The new reduced interest rates, approved by the SHFC Board of Directors last year, covers loan applications for socialized housing starting January 2022. 

Under the new scheme, borrowers with low income — households  within the two lowest income decile (bracket), including those below the poverty threshold based on latest results of the Family Income and Expenditure Survey — will pay interest rate of only 2 percent from the previous 6 percent. Moreover, the repayment term under the new scheme has been extended from 25 years to 35 years.

To benefit from the reduced interest, borrowers must avail of the SHFC’s full package scheme consisting of a loan for lot acquisition, site development and house construction under its Community Mortgage Program (CMP). Duly organized and registered homeowners associations and community associations shall serve as conduit of the housing loans.

The reduced interest rates will also benefit borrowers above low-income earners. Families in the 3rd decile will now pay interest of 4%, while those in the 4th to 7th decile will pay 4.5%. Families in the 8th to 10th decile or those with highest paying capacity, will continue to be charged the 6% interest, but with repayment terms extended to 30 years.

SHFC EXPANDS HOUSING LOAN MODALITIES TO 12 SECTORS

From resettling to safe homes Informal Settler Families (ISF) in rivers, shorelines and other risk areas, the Social Housing Finance Corporation (SHFC) is going to the ruins of Marawi City to provide low-cost, long-term housing loans to residents who lost their homes in the siege by terrorist of the Muslim City in 2017. And more. SHFC, the government agency tasked with providing socialized housing to homeless Filipinos, could even go to the mountains to build homes for the lumads or to areas ravaged by typhoons, earthquakes and other natural disasters to build houses for the displaced.

The SHFC is reinforcing its wings to reach out to more sectors to achieve its mission to provide houses to about 500,000 homeless Pinoys by the end of the term of President Rodrigo Duterte.

 

To date, the SHFC’s flagship program Community Mortgage Program (CMP) has already benefited, since its inception,  about 350,000 families through assistance of more than P16 Billion in housing loans to homeless Filipinos.

The race to build low-cost housing is fast-paced as SHFC attempts to do its part to meet its target.

Secretary Eduardo del Rosario, chair of the newly-created Department of Human Settlements and Urban Development (DHSUD), has dire forebodings for the future of the housing needs of  Filipinos: 6.5 million by 2022 and ballooning to 20.5 million in 2040 if nothing is done to avert the sad scenario of millions of homeless Pinoys.

DHSUD, created by President Rodrigo Duterte on February 14, 2019, is a merger of the erstwhile Housing and Urban Development Coordinating Council (HUDCC), then also chaired by del Rosario, and the now defunct Housing and Land Use Regulatory Board (HLURB). Now the country’s primary regulatory and policy-making housing body, DHSUD came into operation in January 2020.

In achieving its mission to provide homes to the homeless Filipinos, DHSUD will be backed up by its line agencies: Social Housing Finance Corporation (SHFC), National Housing Authority (NHA), National Home Mortgage Finance Corp. (NHMFC), Home Development Mutual Fund (Pag-ibig Fund) and Home Guarantee Corp. (HGC)

To keep pace with the growing demand for safe, resilient, and sustainable housing, SHFC is introducing trailblazing financing programs with the launch of 12 CMP modalities.

The 12 modalities were announced on January 24, 2020, by del Rosario and Atty. Arnolfo Ricardo Cabling, President of SHFC, during the 16th Founding Anniversary of SHFC in Makati City.

They are the Housing for Peace Process & Nation Building, which is currently being implemented in Zamboanga City and Marawi City, and Post Disaster Recovery and Rehabilitation, which is offered for families affected by disasters such as those rendered homeless by Typhons Yolanda and Sendong.

The other CMP modalities are On-Site and Site Upgrading/Development, Special/National Government Agency Projects, Local Government Unit, Sectoral, Farm lot, Industrial workers, Culturally Sensitive/Indigenous People, Vertical, Mixed-Use/Township, and Turnkey/Public and Private Partnership.

At the anniversary event, Cabling also bared that SHFC is pruning down of interest on housing loans from 6% to 2%; and agency’s housing loan condonation program for defaulting borrowers that would last in 2021.

 

SHFC adopts new pro-poor shelter financing measures

Marks 16th anniversary with breakthrough accomplishments

MAKATI CITY, Jan. 27–The Social Housing Finance Corporation (SHFC), the lead government agency mandated to undertake socialized housing for low-income earners, is celebrating its 16th anniversary by launching new schemes that will help more poor families realize their dreams of owning a home.

The Community Mortgage Program (CMP), SHFC’s flagship program, has benefited more than 350,000 families through over P16 billion in loan assistance since its inception in 1988. In 2019 alone, the agency recorded the highest takeout ever by assisting a total of 32,797 partner-homeowners through housing loans amounting to P2.48 billion. This number of partner-homeowners is twice that of the previous year and nearly thrice that of 2017.

Meanwhile, SHFC’s collections reached P1.11 billion in 2019, up 8 percent from the year prior. The agency’s current collection efficiency rating of 72.03 percent is significantly higher than the 69.05 percent it posted in 2018. These achievements can be attributed to the decentralized approach of SHFC, which saw the opening of several branches nationwide, and to its strategy of working closely with local governments.

This year, SHFC expects to assist more low-income families own their homes because starting January, the agency is adopting reduced or socialized interest rates for full package availment of loans under the CMP. A full package consists of a loan for lot acquisition, site development, and house construction. The socialized rates will ease the constraints that low-income CMP borrowersface when paying their monthly amortization.

Under the socialized approach, borrowers with lower household income will pay lower interest rates. Thus, households within the lowest two income deciles – including those with incomes below the poverty threshold based on the results of the latest Family Income and Expenditure Survey – will pay an interest rate of only 2 percent. This new rate is a huge reduction from the original 6 percent. It is also the lowest ever in the history of housing finance in the country. In addition, the repayment term is extended to 35 years from the original 25 years in order to further ease the burden on the lowest income borrowers, who comprise the majority of CMP availers.

Families in the 3rd decile pay an interest rate of 4 percent, while those in the 4th to 7th decile pay 4.5 percent. Families in the 8th to 10th decile, or those who have the highest capacity to pay, will continue to be charged at the original rate of 6 percent. They will all have a repayment term of 30 years.

For those who have already availed of loans but are falling behind on their payments, SHFC also seeks to alleviate their burden and get them on track to their dreams by offering the penalty condonation program under Republic Act 9507. The loan restructuring scheme covers partner-homeowners with accumulated arrearages equivalent to at least three months amortizations, except those who have previously availed of the benefits.

This loan relief initiative will give economically depressed partner-homeowners an opportunity to easily update their accounts because they will no longer have to pay the accumulated penalties and surcharges incurred from unpaid amortization. As a result, they will be able to save their homes. “This is our gift to our low-income clients on the occasion of our anniversary,” said SHFC President Atty. Arnolfo Ricardo Cabling, who urged CMP partner-homeowners to avail of this last chance torestructure their loans; otherwise, they will face a collection suit or foreclosure. “Thus, we are hoping that partner-homeowners will immediately file their applications before the program ends in 2021.”

To keep pace with the growing demand for safe, resilient, and sustainable housing, SHFC is introducing trailblazing financing programs with the launch of 12 CMP modalities. These include Housing for Peace Process & Nation Building, which is currently being implemented in Zamboanga City and Marawi City, and Post-Disaster Recovery and Rehabilitation, which is offered for families affected by disasters such as those rendered homeless by Typhoons Yolanda and Sendong.

Other CMP modalities are On-Site and Site Upgrading/Development, Special/National Government Agency Projects, Local Government Unit, Sectoral, Farm Lot, Industrial Workers, Culturally Sensitive/Indigenous People, Vertical, Mixed-Use/Township, and Turnkey/Public and Private Partnership.

The public can expect efficient implementation of SHFC’s programs because it has been recertified as conforming to ISO 9001:2015 standards by SOCOTEC Certification International. The certification was issued on December 19, 2019, affirming yet again SHFC’s conformity to international quality standards in its core processes and its Quality Management System. SHFC has been ISO-certified since 2016.

SHFC is the lead agency assisting underprivileged communities to secure land tenure through shelter financing and development solutions by Building Adequate, Livable, Affordable, and Inclusive (BALAI) Filipino communities. 

PHOTONEWS: SHFC, Magalang LGU sign MOU on socialized housing

SOCIAL HOUSING FINANCE CORPORATION (SHFC) President Atty. Arnolfo Ricardo Cabling and Magalang, Pampanga Mayor Romulo Pecson sign Memorandum of Understanding (MoU) on financing of socialized housing projects of the Magalang Local Government Unit (LGU) on January 23, 2020 at the  Magalang Town Plaza, witnessed by  Assistant Secretary Leira Buan of the Department of Housing Settlements and Urban Development (DHSUD).

VIDEONEWS: PBS Lucena City – TALK OF THE MOMENT with SHFC’s Jimmy Manes

Talk of the Moment sa DWLC 1017AM Radyo Pilipinas Lucena with OIC-Vice President for South Luzon Operations Jimmy Manes on programs and projects of the Social Housing Finance Corporation (SHFC) in Lucena City.

 

PHOTONEWS: SHFC, Guagua LGU sign MOU on socialized housing

Isinagawa noong Huwebes, Enero 23, ang Memorandum of Understanding (MOU) signing ceremony sa pagitan ng Social Housing Finance Corporation (SHFC) at Pamahalaang Lokal ng Guagua, Pampanga para sa mas mabilis na paghahatid ng ligtas at disenteng pabahay.

Ang MOU signing ay pinangunahan nina SHFC President Arnolfo Ricardo Cabling at Guagua Mayor Dante Torres na dinaluhan nina DHSUD Assistant Secretary Leira Buan at Guagua Vice Mayor Sajid Khan Eusoof.

PHOTONEWS: SHFC 16th Anniversary Feature

IN RETROSPECT – Housing the nation throughout the years

Attended:

16th SHFC FOUNDING ANNIVERSARY CELEBRATION

JANUARY 22, 23, 24, 25,  2020 – MAKATI CITY

 

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Social Housing Finance Corporation (SHFC)

Consultant: ROGELIO M. BALANZA

ACCOMPLISHMENT REPORT

Months of November and December 2019
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/

Social Housing Finance Corporation (SHFC)

Consultant: ROGELIO M. BALANZA

ACCOMPLISHMENT REPORT

Month of November 2019

PUBLISHED NEWS REPORTS/PHOTONEWS/COLUMNS (All stories posted in the websites DURIAN POST (durianburgdavao.com) and TOPNEWSNOW (topnews1948.com)

1. SHFC BUILDS TWO-STOREY 616-UNIT HOUSING FOR DAPITAN CITY DISPLACED FAMILIES

November 29, 2019

DAPITAN CITY – The SHFC Department of Engineering headed by OIC-Vice President Engr. Elsa Juliana Calimlim conducts the first pre-construction training for the officers of Sulangon Heights Homeowners Association, Inc., the local government of Dapitan City, and the contractor of forthcoming project  that will benefit about 616 informal settlers who were affected by natural calamities, implementation of various government projects and those living in hazard-prone areas.

The SHFC Department of Engineering created in October 2018, ensures site suitability requirements of all projects, monitors house construction and site development, and ensures that they comply with all national and local technical regulations.

The construction of the medium rise building at Barangay Sulangon, follows the signing in September 6, 2018 of a Memorandum of Understanding  by Cabling and Mayor Rosalina Jalosjos.

Under the MOU, the SHFC will construct the housing units at the seven hectare lot in Sulangon owned by the City Government of Dapitan which it acquired from a Filipino-Chinese couple in 2003.

The SHFC is the government agency implementing the government’s socialized housing program.

There are now about 160 families, who are members of the Sulangon Heights Homeowners Association Inc., (SHOAI), who qualified for the first batch of the project.

During its ground-breaking ceremony, Mayor Jalosjos said the housing project is a realization of her long-time dream to provide home to the homeless Dapitanons.

Cabling lauded Dapitan City LGU for its cooperation and active participation, willingness to provide a lot for the project, and the development of the project site like the construction of concrete road and drainage canal.
Monthly amortization of about P1,807.62, is payable for 30 years by the beneficiaries.

2. Informal settlers get new homes in Bacoor City

November 29, 2019

BACOOR CITY, Cavite – Over 1,400 families who used to live along the riverside, hazardous, and vulnerable areas in the cities of Las Pi?as and Para?aque officially moved into a decent, safe, accessible, and quality housing in Ciudad De Strike 2, Bayanan in Molino 1 here on November 23
.
Social Housing Finance Corporation (SHFC) president, lawyer Arnolfo Ricardo Cabling, city officials led by Mayor Lani Mercado-Revilla and Cavite 2nd District Rep. Strike Revilla and Ciudad de Strike Homeowners Association Inc. president Florencio Parader led the ceremonial turn over of the symbolic key to the housing facility.

Parader, speaking on behalf of his members, expressed gratitude for the project.
“Sana ay mas marami pang matulungan para magkaroon ng disenteng pabahay.” (I am hoping more people will benefit from this project which aim to provide decent housing).
The housing project was made possible through a memorandum of understanding between the SHFC and the city government of Bacoor for the delivery of quality and community-driven shelter solutions under SHFC’s flagship program Community Mortage Program (CMP).

The CMP is a mortgage financing program of the SHFC which assists legally organized associations of underprivileged and homeless citizens to purchase and develop a tract of land under the concept of community ownership.

Ciudad de Strike 2 has a total of 20 three-story buildings, with each of these accommodating some 72 families.

The PHP648-million project, which started in July 2016 and completed in September this year, is comprised of 1,440 units, each measuring 30 square meters, with a room for a loft.

SHFC is a government-owned and controlled corporation (GOCC) created in 2004 through Executive Order No. 272 which mandates the agency to carry out socialized housing programs such as the CMP, “Abot Kaya Pabahay Fund (AKPF) Program and other social housing windows for the benefit of underprivileged communities that belong to the low income bracket.

3. Housing for Bacoor informal settlers to rise in 2021

November 29, 2019

BACOOR CITY, Cavite – More than 1,000 informal settler families (ISFs) living along this city’s coastal and waterways are the target beneficiaries in the new housing project of Social Housing Finance Corp (SHFC) dubbed Ciudad de Strike 1 located at Bayanan, Molino 1 here.

Cavite 2nd District Rep. Strike Revilla announced that the project is “exclusively for Bacoor City’s ISFs.

During the groundbreaking rites on Saturday of the project site, Revilla was joined by SHFC officials led by its president, lawyer Arnolfo Ricardo Cabling and Mayor Lani Mercado Revilla.

As part of the memorandum of understanding between the SHFC and the city government of Bacoor, Revilla said the Phase 2 component will accommodate some ISFs from Las Piñas and Parañaque cities.

“Sabi ko to SHFC hati tayo, ganun din dapat ang para sa Bacooreños na talaga namang pinaglaban ng ating mayora at city council,” (I said we divide it, we shall allocate the same to Bacoorenos which our city mayor and council fought for),” Revilla said.

The groundbreaking ceremony was held after the SHFC acquired the three-hectare lot where Ciudad de Stike 1 will rise, which is seen to provide decent, accessible and safe housing for families living in the city’s waterways.

Just like in Ciudad de Strike 2, the Phase 1 project will involve the construction of 20 three-story buildings, accommodating some 72 families per building and the standard housing unit will have a floor area of 30 sq. m. with a room for a loft.

The project’s estimated completion is some time in 2021.

Revilla, the House committee chair on housing and urban development, said he hopes that the SHFC will consider providing a covered court, a health and daycare center, and an integrated school within the housing project premises.

SHFC, a government controlled and controlled corporation (GOCC), is the lead agency assisting underprivileged communities to secure land tenure through shelter financial and development solutions by Building Adequate, Livable, Affordable and Inclusive (BALAI) Filipino communities.

4. Gov’t to start building infrastructure in Marawi

November 29, 2019

The construction of new public infrastructure in the most affected area (MAA) in Marawi City will start this December as the retrieval and disposal of unexploded bombs near completion, an official said in Cagayan de Oro City during a press briefing Thursday (Nov. 28).

Secretary Eduardo del Rosario, chairperson of both Task Force Bangon Marawi (TFBM) and Housing and Urban Development Coordinating Council (HUDCC), said the government can now begin to build infrastructures destroyed by the war in Marawi as the military’s clearing operation of unexploded ordnances (UXOs) and improvised explosive devices (IEDs) is already 95 percent complete.

The MAA or Ground Zero, scene of the fiercest battles between the Islamic State-inspired militants and government forces, is already 99 percent cleared of IEDs, the official said.

“The heart and soul of Marawi rehabilitation as far as infrastructure is concerned is focused on the MAA,” Del Rosario said.

TFBM has set the timeframe for the construction of vital government infrastructures between December 2019 and March 2020.

To be given priority are school buildings with 200 classrooms, 24 barangay halls with a health center and a madrasa, 50-bed capacity hospital, and the Grand Padian market.
The construction of the Marawi City Police and Bureau of Fire Protection headquarters will follow.

Most of these structures, Del Rosario said, will be built in the reclaimed 10-hectare land owned by the Marawi city government in the MAA.

He said the reconstruction and rehabilitation of Marawi are all sourced from the national budget.

Del Rosario said the government is setting aside PHP3.5 billion from the 2020 budget for the construction of various public infrastructures.

Debris management and the creation of a masterplan–two important components of the Marawi infrastructure rehabilitation efforts–have already been completed, said Roderick Ibañez, National Housing Authority regional director for the Zamboanga Peninsula and the Bangsamoro Autonomous Region in Muslim Mindanao.

Ibañez said the groundbreaking for the sports complex in Marawi is expected to be held December, “to boost and show that the rehabilitation is moving forward”.

Ibañez announced that there are already over a thousand of Marawi residents that applied for building permits to voluntarily rebuild their own houses and that over 200 households were already given building permits.

5. CABLING BREAKS GROUND FOR YOLANDA VICTIMS HOUSING IN PALAWAN

November 29, 2019

IT’S NEVER TOO LATE TO COME TO THE AID OF THE DISTRESSED.

The Social Housing Corporation (SHFC), the government lead agency in the implementation of President Rodrigo Duterte’s social housing program for the homeless Filipinos , broke ground on November 28, 2019 for the construction of housing units for 143 victims of  Super-typhoon Yolanda in Coron, Palawan. 

Super Typhoon Yolanda, international name Typhoon Haiyan, was one of the most powerful tropical cyclones ever recorded.
On making landfall, Haiyan devastated portions of Southeast Asia, particularly the Philippines, including Palawan in 2013.

6. MAYOR LANI MERCADO-REVILLA “WINS” 1,440 CONDO UNITS FOR BACOOR CITY HOMELESS FAMILIES

November 25, 2019

By ROGER M. BALANZA

In what is seen as an act of generosity, Bacoor City Mayor Lani Mercado-Revilla is providing condominium units in Ciudad de Strike 2, a P648-million, 1,440-room socialized housing project funded by the Social Housing Finance Corporation (SHFC), to several Informal Settler Families (ISF) evicted from danger zones, coastal areas, river ways and other risk areas in neighboring Las Pinas and Paranaque.

Photo: NEW HOMES. Ciudad de Strike 2 Home Owners Association Inc (HOAI) President Florencio Parader (5th from left) receive the ceremonial key from Social Housing Finance Corp (SHFC) President Atty. Arnolfo Ricardo Cabling (4th from left) and Bacoor city officials, mayor Lani Mercado Revilla (5th from right) and Cavite 2nd district representative Strike Revilla (4th from right) after the ceremonial turnover of housing units at Ciudad de Strike 2, Bayanan, Molino 1 Bacoor City on Saturday, (Nov. 23, 2019).
Parader is representing some 1,400 families who used to live in danger zones in Las Piñas, Parañaque cities, are now benefiting from this partnership between the SHFC and the city government of Bacoor.

Ciudad de Strike 2 consists of 20 three-storey buildings that can accommodate 72 families each or a total of 1440 families.
The condominium started construction in July 2016 and was completed in September 2019.

The mayor shared the condominium units of 30-sqm each with the displaced families from other local government units (LGUs) even as Bacoor City has its own share of woes over housing for its homeless urban poor.

For her generosity, Mayor Mercado-Revilla practically won another 1,440-room condominium, Ciudad de Strike 1, solely for the homeless of Bacoor City.

The SHFC, the government agency assisting underprivileged communities to attain a better quality of life through shelter financing, agreed to provide additional fund for another Ciudad de Strike condominium for Bacoor City informal settlers, when it signed a Memorandum of Understanding (MOU) with the Bacoor City local government involving social housing funding assistance.
In two memorable events on Saturday, November 23, 2019, Mayor Mercado-Revilla and SHFC President Arnolfo Ricardo Cabling led the turnover of the fully-completed Ciudad de Strike 2 to beneficiaries that include the displaced ISFs from Las Pinas and Paranaque; and the ground-breaking rites for Ciudad de Strike 1, which will start construction next year.

Mayor Mercado-Revlla’s generosity back-dropped the ground-breaking rites of Ciudad de Strike Phase One in a story that spiced up the speech of SHFC President Cabling. 

According to Cabling, Mayor Mercado-Revilla initially opposed relocating the Las Pinas and Paranaque ISFs to the Bacoor City condominium, citing that her city’s ISFs also need housing. The mayor, however, agreed when Cabling offered to provide a P648-million funding for another Ciudad de Strike condominium exclusively for displaced Bacoor City informal settlers.

Aside from Mayor Mercado-Revilla and SHFC President Cabling, the turn-over and ground-breaking events were attended by 2nd District Cavite Rep. Strike Revilla, Chairman of the House of Representatives Committee on Housing and Urban Development; Melissa Aradanas, Deputy Secretary-General, Housing and Urban Development Coordinating Committee (HUDCC); and Jane Javellana, Presidential Consultant for Western Visayas. Senator Bong Revilla, Senator Francis Tolentino, Chairman of the Senate Committee on Housing and Urban Development; Negros Occidental 3rd District Rep. Francisco Benitez, Vice Chairman of the House of Representatives Committee on Housing and Urban Development; and Epimaco Densing, Undersecretary for Operations, Department of Interior and Local Governments (DILG) sent representatives to witness the event.
Also in attendance were the 1,440 awardees in the Ciudad de Strike 2 and their families, and the 1,440 soon-to-be-awardees and their families of the Phase 1 condominium.

The Ciudad de Strike condominiums, a High Density Vertical Project of the SHFC, are among the big-ticket projects funded under the CMP of the SHFC as the administration of President Rodrigo Duterte aims to provide houses to homeless Filipinos.

7. SHFC JOINS UNICEF IN WORLD CHILDREN’S DAY CELEBRATION

November 20, 2019

The Philippine government agency implementing the country’s social housing program assured that children’s rights are amply addressed in its housing projects.

The Social Housing Finance Corporation (SHFC), headed by its President, Atty. Arnolfo Ricardo Cabling, made this assurance on as the Philippines joined the  United Nations Children’s Emergency Fund (UNICEF) in the world-wide celebration of World Children’s Day.

On November 15, SHFC Executive Vice President Atty. Junefe Payot, together with Estate Management Division OIC-Manager Philip Robert Flores, had a productive discussion with UNICEF Philippines officials, ensuring that the existing and future socialized housing projects of the agency are child-friendly.

“Housing is a human right that facilitates the acquisition of other rights such as children’s rights,” Atty. Payot said.
SHFC, in this regard, will continuously build partnerships with organizations such as UNICEF to learn better developmental approaches in forging child-friendly communities.
The SHFC flagship program,  Community Mortgage Program (CMP), which provides housing loans to community associations, aims to cut down the country’s homeless population of about 6 million.

8. GETTING THE BEST OF SHFC COMMUNITY MORTGAGE PROGRAM (CMP) – Photovideonews

November 20

9. SHFC GRANTS P13.3-M HOUSING LOAN TO 264 BORROWERS IN TORIL, DAVAO CITY

November 20, 2019

A total of 264 families will benefit from the take-out of Sr. Sto. Niño Settlers Homeowners Association, Inc. in Brgy. Marapangi, Toril, Davao City on November 10.
SHFC President Atty. Arnolfo Ricardo Cabling awarded the check worth P13.3 million in a ceremony that was also attended by Legal, Partners, Policy Enforcement OIC-Vice President Atty. Ronaldo Saco, Mindanao Operations OIC-Vice President Lawrence Bañiso, Region XI South Area Operations OIC-Manager Bea Chermaine Ranada, and Division Chief Margo Babao.

Mobilized by the Assumption Parish Socio-Economic Development Foundation, Inc. (ASPED), Sr. Sto. Niño Settlers is currently headed by Meriam Alvarado.
Also gracing the event were ASPED president Elson Tio, PCUP area coordinator Mitos Milana, 3rd District Councilors Antonette Prinsipe, Atty. Sweet Advincula, and Brgy, Captain Angelita Pizzaro. 

10. SHFC GOES HI-TECH ON ACCOUNT INFO

November 7, 2019 

 
GOOD NEWS to housing loan borrowers of the Social Housing Finance Corporation.
You can generate your Abstract of Collection and Statement of Account in just a few clicks with Community Association Information System (CAIS) kiosk.
It has an interactive touch-screen interface providing flexibility to partner-homeowners on their collection-related information needs.

SHFC going online to give accounts information to borrowers through the CAIS Kiosks is an information technology innovation introduced by SHFC president Arnolfo Ricardo Cabling.

The CAIS kiosks are readily available at SHFC Makati Office and will soon be deployed to the regional offices.

11. SHFC STILL LEAD AGENCY IN SOCIAL HOUSING PROGRAM

November 7, 2019

TO CONTINUE VITAL FUNCTIONS UNDER DEPARTMENT OF HOUSING

The Social Housing Finance Corporation will remain an autonomous key housing agency amid the passing of Republic Act 11201 or the Department of Human Settlements and Urban Development (DHSUD).

SHFC will be an attached agency, which shall continue to provide affordable shelter solutions for the underprivileged, allowing it to further help the national government in curbing the housing backlog.

The role of the SFHC as the lead agency of the government’s socialized housing program, is stipulated in the Implementing Rules and Regulations (IRR) of the DHSUD signed on July 19 at Crowne Plaza Galleria in Quezon City.

The document was signed by SHFC President Atty. Arnolfo Ricardo Cabling, Housing and Urban Development Coordinating Council (HUDCC) Chairperson Eduardo del Rosario, along with Housing and Land Use Regulatory Board CEO and Commissioner Atty. Lloyd Lao, National Home Mortgage Finance Corporation (NHMFC) President Dr. Felixberto Bustos, Home Development Mutual Fund (HDMF) CEO Acmad Rizaldy Moti, Department of Budget and Management Undersecretary Janet Abuel, and Civil Service Commission Chairperson Alicia dela Rosa-Bala.
At the press conference after the IRR signing, Atty. Cabling stressed that SHFC’s housing initiatives will remain community-based.
“It is our mandate to build sustainable communities,” he said.
“In order to build them, we need to consult with the community from the planning to house design and construction.”

Atty. Cabling added that the agency has also been rolling out livelihood interventions that are tailored to the needs of the community.
He shared that SHFC turned over a cashew processing livelihood package for a homeowners association in Puerto Princesa City, Palawan in May.
More programs aimed at complementing the income of communities are in the pipeline.

Under the IRR, the DHSUD shall be the main planning and policy-making, regulatory program coordination, and performance monitoring entity for all housing, human settlement, and urban development concerns.
It also provided for the creation of the National Human Settlement Board, which shall act as the policy-making body and provide program directions to the attached agencies.
Aside from SHFC, these agencies include NHMFC, HDMF, and the National Housing Authority.

In his remarks at the ceremony, which was also attended by the law’s principal authors former Senator Joseph Victor “JV” Ejercito and former Negros Occidental Congressman Alfredo “Albee” Benitez, Del Rosario said the DHSUD is President Rodrigo Duterte’s “whole-hearted gift” to the Filipino people.

RA 11201 was passed in Congress in November 2018 and was signed into law by President Duterte three months later on Valentine’s Day, February 14, 2019.

The full implementation of the law will commence on January 1, 2020.

 

 
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Social Housing Finance Corporation (SHFC)

Consultant: ROGELIO M. BALANZA

ACCOMPLISHMENT REPORT

Month of DECEMBER 2019

PUBLISHED NEWS REPORTS/PHOTONEWS/COLUMNS (All stories posted in websites DURIAN POST (durianburgdavao.com) and TOPNEWSNOW (topnews1948.com)

1. SHFC IN FACE THE NATION
Online Interview
December 31, 2019
Topic: COMMUNITY-DRIVEN HOUSING PROGRAMS

With ATTY. MARIA ROSALIE RICHA TAGUIAN, Vice President for Program Development and Enhancement, and CEZAR MACASPAC, Manager for Insurance and Community Enhancement.  Hosted by HOWEL MABALOT

2. SHFC, ANGONO sign Memorandum of Understanding (MOU) on socialized housing

December 30, 2019

“Hangad lang natin na pagtibayin ang pangmatagalang pagsasamahan sa SHFC para po sa ating mga kababayan. Para sa lahat ng pamilyang nangangarap magkaroon ng sariling bahay, sana ay ating maisakatuparan.

Kaya po SHFC, maraming-maraming salamat sa inyong pakikiisa sa ating programa.”

– Jeri Mae Calderon.
Photo: Angono Municipal Mayor During the SHFC-Angono LGU MOU Signing on November 18, 2019 at Angono Municipal Hall

3. SHFC TO OPEN NEW OFFICE IN QUEZON CITY

December 30, 2019

Kasabay ng pagsusulong ng SOCIAL HOUSING FINANCE CORPORATION (SHFC ) ng disente at abot-kayang proyektong pabahay ay ang pagbubukas ng bagong tanggapan ng SHFC sa New HLURB Building, Kalayaan Ave. corner Mayaman St., Quezon City.

Layon ng bagong opisina ay upang mas mapalapit pa ang serbisyo ng ahensya sa mga komunidad, partikular mula sa NCR-North, NCR-Central, at Central Luzon, ayon kay Atty. Arnolfo Ricardo Cabling, presidente ng SHFC.

4. MINDANAO EARTHQUAKES: 900 quake-hit Kidapawan families get SHFC relief aid

December 30, 2019

The Social Housing Finance Corporation (SHFC) on December 7 delivered relief goods to more than 900 families in Kidapawan City, Cotabato who were affected by the recent earthquakes that rocked Mindanao.
The humanitarian drive was led by Annicia Villafuerte, Vice President for Recovery Projects Department, which was created to enable the agency to respond quickly to the needs of communities displaced by disasters.

“Our hearts are full knowing that this will come a long way for the communities that we support, especially now that Christmas is just around the corner,” said Villafuerte, who is also heading SHFC’s housing initiatives for families left homeless by the Marawi conflict in 2017.
“We are very thankful that our effort to provide assistance to the earthquake victims was very successful.”

The 923 beneficiaries of the relief operations, simultaneously held in barangays Singao, Poblacion, Magsaysay, and Lanao, are members of five communities that are under SHFC’s Community Mortgage Program (CMP) namely: Upper Singao, A. Delima, Amurao, Llanderal, and Belarmino homeowners associations.
In addition to blankets and tents, the families received rice, water, and groceries to support their daily needs while they try to get their lives back to normal.

“Maraming salamat po sa SHFC sa natanggap naming tulong,” said 67-year-old Norma Sererazo, who spent several days in a makeshift tent in the aftermath of the earthquake. 
“Malaking bagay po ito sa amin at sa mga kasamahan ko dito sa Llanderal.”

CMP, the flagship program of SHFC, has granted about P15 billion in loan assistance and has funded the forging of more than 2,700 empowered communities since its inception in 1988.

5. Maiden SHFC post-Yolanda disaster housing breaks ground in Coron, Palawan

December 30, 2019 –

Social Housing Finance Corporation’s (SHFC) has joined the rehabilitation efforts of the national government for victims of  Yolanda.

The SHFC’s first housing project supporting the survivors of the super-typhon officially broke ground in Palawan on November 28, six years after the super typhoon struck the province.
The project, financed under the Community Mortgage Program (CMP) Post Disaster Recovery and Rehabilitation modality, will benefit a total of 143 families from Guadalupe Homeowners Association, Inc. (HOAI) who live along the coastal areas in the Municipality of Coron.

Groundbreaking ceremony held in Brgy. Guadalupe was led by SHFC President Atty. Arnolfo Ricardo Cabling and Mayor Mario Reyes.
Also gracing the event were SHFC Board of Directors,  Recovery Projects Vice President Annicia Villafuerte, Visayas Operations OIC Vice-President  Jesus Eden Cidro, Provincial Information Officer Winston Arzaga, who represented Governor Jose Chavez Alvarez, and community members.

In his speech, Atty. Cabling highlighted the importance of community effort in reducing coastal disaster vulnerability.
“Sa patuloy na pagtutulungan at pagkakaisa natin, ng local government, barangay, probinsya, parokya, at iba pang miyembro ng ating komunidad, masisiguro natin na malulutas ang suliraning pabahay para sa mga communities sa coastal areas ng Coron,” he said.

The Post-Disaster Recovery and Rehabilitation is one of the new modalities of CMP which provides immediate assistance on disaster-resilient community housing projects and site development during times of disaster.
CMP has provided security of tenure to more than 310,000 families and has released about P15 billion in loan assistance since it was launched in 1988.

Taken out in June 2018, Guadalupe HOAI is headed by Enrico Sadang and was mobilized by the provincial government of Palawan.

SHFC is the lead agency assisting underprivileged communities to secure land tenure through shelter financing and development solutions by Building Adequate, Livable, Affordable, and Inclusive (BALAI) Filipino communities.

6. Dapitan City gets P52-M SHFC first Vertical CMP project in Mindanao

December 30, 2019

Construction work at Sulangon Heights Homeowners Association, Inc., the first Vertical Community Mortgage Program (CMP) project of Social Housing Finance Corporation (SHFC) in the entire Mindanao region, will continue with the awarding of a check worth P7.5 million to the project contractor in Dapitan City, Zamboanga del Norte on November 29.

Representing the 15 percent mobilization fee, the check was presented by SHFC President Atty. Arnolfo Ricardo Cabling to Siliman Avenue Construction and Supply and Mayor Rosalina “Nene” Jalosjos in a ceremony held at the Dapitan City Hall.
Congressman Romeo Jalosjos, Jr., SHFC Executive Vice President Atty. Junefe Payot, Region IX North OIC-Manager Philip Robert Flores, and Sulangon Heights president Renante Bala also graced the occasion.

In his speech, Atty. Cabling lauded the local government of Dapitan for its continuous support for the initiative, which broke ground in September 2018. He urged partner-homeowners to embody the bayanihan spirit and collectively contribute to the success of the project by religiously settling their monthly obligation with SHFC.

Sulangon Heights, a product of a memorandum of understanding between SHFC and Dapitan City, will benefit a total of 616 families.
An initial batch of 160 two-story medium rise housing units will be constructed and will cost P52 million.

SHFC is the lead agency assisting underprivileged communities to secure land tenure through shelter financing and development solutions by Building Adequate Livable Affordable and Inclusive (BALAI) for homeless communities. 

7. Human Settlements and Urban Development needed in disaster recovery

December 4, 2019

A party-list lawmaker on Tuesday pushed for the full implementation of the law creating the Department of Human Settlements and Urban Development (DHSUD), which has certain mandates on disaster resilience and recovery, particularly those relating to housing concerns.

Kabayan Party-list Rep. Ron Salo said it has been 10 months since the DHSUD charter was signed into law, but there is no DHSUD Secretary yet nor any “semblance of the new department taking shape.”

“By now, we should have had a DHSUD Secretary involved in ‘Tisoy’ disaster response and recovery particularly on housing concerns,” Salo said.

Salo cited a provision stating that the new department shall formulate a framework for resilient housing and human settlements as a basis for the mechanisms for the post-disaster housing and resiliency planning, research and development, extension, monitoring and evaluation of programs, projects, and activities to protect vulnerable communities from the adverse effects of climate change and disasters.

The law consolidates the functions of the Housing and Urban Development Coordinating Council (HUDCC) and the Housing and Land Use Regulatory Board (HLURB) to the Department.

“The HUDCC chairman should update Congress very soon of the status of the DHSUD and inform the legislators of any and all problems that may be delaying the full implementation of RA (Republic Act) 11201,” Salo said.

“Ten months is more than enough time for the implementing rules and the reorganization of the government housing sector into the new DHSUD.
In fact, RA 11201 provides a six-month deadline for the transition,” he added, noting that it has been four months after that deadline.

Salo said Congress and its members have the duty and right to exercise oversight authority on the implementation of laws, noting that he is eyeing a congressional inquiry into the matter.

“Sa ngayon malinaw na paliwanag at detalyadong report muna ang kailangan natin mula sa HUDCC. Kailangan nating malaman ang sitwasyon. Sayang ‘yung panahon (For now, what we need is a clear and detailed report from the HUDCC. We need to know the status of the new department. Time should not be wasted),” Salo said. 

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October 1, 2019

Atty. ARNOLFO RICARDO CABLING
President
Social Housing Finance Corporation (SHFC)
Makati, Philippines

Dear Atty. CABLING,

May I have the honor to apply in your corporation for a job that fits my qualification, specifically related to photography and news gathering and reporting.
I have basic knowledge and experience in these two disciplines.
These are capabilities that earned me a job with the Davao City government: City Information Office (2011-2012) and the City Tourism Office (2012-2013). The job entailed covering and reporting on events of the two offices.
In addition, I did news reporting and photography job for the defunct weekly newspaper Davao City-based The Durian Post. I continue to contribute to the paper’s online editions The Durian Post and TopNewsNow!
The Social Housing Finance Corporation (SHFC) is the government agency providing housing for the homeless poor.
In as much as providing shelter to the homeless poor is one of the flagship programs of the administration of President Rodrigo Duterte, SHFC is also mandated to reach out to a wide sector of the homeless poor in order to maximize information dissemination, particularly through the media, about this vital program of the government.
I am confident that as a photographer and news reporter, I would be able to contribute to the effort to spread out to the homeless poor the SHFC social housing programs.
With my capability and experience, I am confident that if given the opportunity, I could be an asset in the SHFC mandate to deliver valuable services to our homeless poor.

Very respectfully yours,

 

SYLVESTER C. BALANZA

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PERSONAL DATA

Name: SYLVESTER CANSANA BALANZA
Birthdate: June 1, 1989
Sex: MALE
Marital Status: Single
Address: Seaside, Durian-Rambutan Sts., NHA Kadayawan, Talomo, Davao City
Contacts: Email: sylvester.balanza@yahoo.com. Mobile Phone: 09308945468

EDUCATION:
Bachelor of Science in Nursing (BSN) 2nd Year John Paul College Davao City
WORK EXPERIENCE:
Davao City Information Office 2011-2012
Davao City Tourism Office 2012-2013

 

 

SYLVESTER C. BALANZA

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