Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
SEPTEMBER, OCTOBER, NOVEMBER, DECEMBER 2020; JANUARY, FEBRUARY 2021
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MARCH, APRIL, MAY, JUNE, JULY, AUGUST 2021
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Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
AUGUST 2021
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SHFC: PHOTO EXHIBIT – COMMUNITY MORTGAGE PROGRAM (CMP) 33RD ANNIVERSARY
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SHFC: VIRTUAL ORIENTATION ON COMMUNITY MORTGAGE PROGRAM (CMP) FOR MEYCAUAYAN URBAN POOR ASSOCIATION
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SHFC: HOUSING PROJECT ASSESSMENT, VALIDATION AND SITE INSPECTION IN EL NIDO, PALAWAN
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SHFC: COMMUNITY MORTGAGE PROGRAM ORIENTATION FOR DOLEFIL AGRARIAN REFORM BENEFICIARIES COOPERATIVE
LEAVE A COMMENT
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SHFC: HOUSING LOAN ASSESSMENT FOR NARAGSAK NGA MALANDUAGE HOMEOWNERS ASSOCIATION, KABACAN, NORTH COTABATO
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SHFC: P12.99 – MILLION HOUSING LOAN FOR STO. NIÑO SEASHORES HOMEOWNERS ASSOCIATION, DAVAO CITY
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ACCOMPLISHMENT REPORT
JULY 2021
1.SHFC, BACOLOD CITY LGU MOU SIGNING ON HOUSING FOR GOVT WORKERS
2.SHFC & LGU-SAN JUAN, BATANGAS MOU SIGNING
3. SHFC COMMUNITY MORTGAGE PROGRAM (CMP) ORIENTATION FOR UNITED LITTLE BAGUIO HOA
4.SHFC FLOATS P2-B BONDS TO FUND HOUSING PROJECTS FOR POOR FAMILIES
5.DUTERTE ADMINISTRATION BUILDS RESILIENT, DECENT HOUSES
6.SHFC HOLDS VIRTUAL FINANCIAL LITERACY TRAINING PROGRAM FOR MARIKINA CITY HOUSING BENEFICIARIES
7.SHFC: HOUSING LOAN FOR 300 MEMBER-FAMILIES OF GREENHOMES HOAI AT SUN VILLAGE
8.SHFC, ONE SAN JUAN VILLAGE HOUSING LOAN VIRTUAL CONSULTATION
9.SHFC, JESSE M. ROBREDO VILLAGE HOMEOWNERS ASSOCIATION HOUSING LOAN CONSULTATION
10.SHFC HOLDS VIRTUAL CMP ORIENTATION FOR QUEZON PROVINCE HOMEOWNERS
11.SHFC, LGU RODRIGUEZ, MONTALBAN, RIZAL MOU SIGNING
12.SHFC EARNS SUPPORT FROM PAMPAGA MAYOR
13.SHFC HANDS OVER P75 M FOR HOUSING SITE OF OVER 500 ISABELA FAMILIES
14.SHFC SOCIALIZED HOUSING PROGRAM EARNS SUPPORT OF BISLIG CITY
15.SHFC THANKED FOR HOUSING ASSISTANCE TO LORETO, AGUSAN DEL SUR
16.SHFC HOUSING LOAN UMABOT SA P594-M SA Q1
17.SHFC, LGU AGOO, LA UNION MOU SIGNING
ACCOMPLISHMENT REPORT
JUNE 2021
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SHFC: P15.13 MILLION FOR REAL VALLEY HOMEOWNERS ASSOCIATION, DAVAO CITY
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SHFC: P11.04 MILLION HOUSING LOAN FOR 180 HOMELESS FAMILIES OF SAN MATEO, ISABELA
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SHFC RELEASES P228M HOUSING LOANS IN FIRST QUARTER
ACCOMPLISHMENT REPORT
MAY 2021.
1. SHFC, IBA, ZAMBALES LGU MOU ON HOUSING FOR 500 INFORMAL SETTLER FAMILIES2. SHFC, LIMAY, BATAAN LGU MOU ON HOUSING FOR 1,700 FAMILIES
3. SHFC, TALISAY CITY, CEBU LGU MOU SIGNING ON HOUSING FOR 430 FAMILIES
4. SHFC, ALFONSO, CAVITE LGU MOU SIGNING ON HOUSING FOR 1,200 FAMILIES
5. SHFC: 900 INFORMAL SETTLER FAMILIES LINED UP IN PAMPANGA HOUSING PROJECT 6. SHFC, CAPALONGA, CAMARINES NORTE LGU SIGN HOUSING MOU 7. SHFC ADDS GCASH TO DIGITAL PAYMENT PLATFORMS 8. SHFC ORIENTATION: OF SEX AND CMP 9. NEW WEBSITE: SOCIAL HOUSING FINANCE CORPORATION (SHFC)
ACCOMPLISHMENT REPORT
APRIL 2021
1. SHFC DAVAO CITY BAGS THREE COMMENDATIONS IN SHFC 2020 TOP PERFORMERS AWARDS 2, SHFC AWARDING OF TOP PERFORMERS FOR 2020 3. SHFC AWARDS P14.3M HOUSING LOAN TO SR. STO NINO CURBADA HOMEOWNERS ASSOCIATION, INC., DAVAO CITYACCOMPLISHMENT REPORT
MARCH 2021
1.TASK FORCE BANGON MARAWI (TFBM) SEES COMPLETION OF MARAWI CITY REHAB BY DECEMBER 2.SHFC/UN HABITAT PROJECT BUILDS 438 HOUSING UNITS FOR MARAWI IDPS 3. CESAR MONTANO VISITS SHFC-MAKATI 4.BANGON MARAWI: THE HADIYA VILLAGE 5. CONGRESS WANTS P50 BILLION FOR SOCIALIZED HOUSING 6. SHFC: P17.97-M HOUSING LOAN FOR GREENHILLS HOMEOWNERS ASSOCIATION, INC. – DAVAO CITY 7. SHFC OPENS ILIGAN OFFICE 8. SHFC: P19.98-M HOUSING LOAN FOR AMAZING GRACE HOMEOWNERS ASSOCIATION, INC. – DAVAO CITY 9. SHFC FEATURE: LIBERATING HOMELESS PINOYS ON PEOPLE POWER DAY
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Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
FEBRUARY 2021
1. SHFC FEATURE: Liberating homeless Pinoys on People Power day
As the country celebrated on February 25, 2021 the 35th anniversary of the 1986 Edsa Revolution that liberated Filipinos from the two-decade Marcos dictatorship, a government agency marked the day by “liberating” the Pinoys from lack of shelter, one of the basic human needs.
On the day, February 25, which has been declared as a national holiday, the Social Housing Finance Corporation (SHFC) toured Mindanao for three events in pursuit of its mandate to provide housing to homeless Filipinos.
2. PRESSCON: Turnover of permanent shelters to homeless victims of Marawi City Siege
3. SHFC & LGU Naawan, Misamis Oriental MOU signing
Social Housing Finance Corporation (SHFC) President Atty. Arnolfo Ricardo Cabling & Mayor Dennis L. Roa of Naawan, Misamis Oriental sign on February 25, 2021 a Memorandum of Understanding (MOU) to implement socialized housing under the SHFC Community Mortgage Program (CMP)
4. HOUSING CZAR DEL ROSARIO, SHFC PRESIDENT CABLING lead turnover of permanent shelters to homeless Marawi siege victims
MARAWI CITY – Task Force Bangon Marawi (TFBM) Chairman Secretary Eduardo Del Rosario on Thursday, February 25, spearheaded the turnover of permanent shelters to families of internally displaced persons (IDPs) in this Muslim City in Mindanao in Southern Philippines.
Secretary Del Rosario, also chair of the Department of Human Settlements and Urban Development (DHSUD) , was joined by Atty. Arnolfo Ricardo Cabling, President of the Social Housing Finance Corporation (SHFC).
5. REPORT: SOCIAL HOUSING FINANCE CORPORATION (SHFC) IN 2020
Presented as part of celebration of the 2nd Anniversary of the Department of Human Settlements and Urban Development (DHSUD).
6. SHFC & LGU Basud, Camarines Norte MOU signing
WATCH: SHFC and the local government unit of Basud, Camarines Norte enter into a memorandum of understanding (MOU) on February 22, 2021 to uplift the living conditions of low-income families in the municipality through the provision of socialized housing initiatives. The MOU is signed by SHFC President Atty. Arnolfo Ricardo Cabling and Basud Municipal Mayor Hon. Adrian Davoco.
7. SHFC & LGU Minalin, Pampanga MOU signing
In celebration of the 2nd anniversary of the Department of Human Settlements and Urban Development, SHFC President Atty. Arnolfo Ricardo Cabling and Minalin Mayor Edgar Flores sign a memorandum of understanding (MOU) to pursue safe, affordable, and livable housing in the municipality under the Community Mortgage Program. Said event is graced by the presence of DHSUD Assistant Secretary Leira Buan.
8. P500-M SHFC socialized housing project to rise in Cagayan de Oro City
The Social Housing Finance Corporation (SHFC) led on February 3 , 2021 , groundbreaking rites for the Balubal Socialized Housing Project Phase 2, one of the biggest socialized housing projects of the government agency mandated to provide shelter to the homeless Filipinos. Funded by the SHFC with P500 million under its Community Mortgage Program (CMP), the project in partnership with the Cagayan de Oro City government, consists of 40 two-story buildings that could house 960 families.
9. SHFC & LGU Lavezares MOU Signing
SHFC signs a memorandum of understanding (MOU) with the local government unit of Lavezares, Northern Samar to formalize collaboration in implementing adequate, livable, and affordable housing for underprivileged communities within the said municipality. The MOU is signed by SHFC President Atty. Arnolfo Ricardo Cabling and Lavezares Municipal Mayor Edito Saludaga.
10. SHFC HOUSING LOAN: P6.4-M for Jessie Homeowners Association, Inc. – Negros Occidental
P6.4 milyon was awarded by SHFC Bacolod for takeout of Jessie Homeowners Association, Inc. on January 29, 2021 to benefit 89 partner-homeowners in the onsite project in Barangay Chambery, Manapla, Negros Occidental. The awarding ceremony was led by Kara Cuarom at Izabelle Cortez of SHFC Bacolod Pre-Takeout, together with the landowner and Shelter for Homeless and Economic Development.
11. SHFC HOUSING LOAN: P13.98-M for Doña Estelita Homeowners Associations, Inc. in Palawan
Social Housing Finance Corporation (SHFC)-Palawan turned over on January 11, 2021, a check worth P13.98 million for lot acquisition of North Star at Doña Estelita Homeowners Associations, Inc. for a socialized housing project for 190 Palawan families.
12. SHFC HOUSING LOAN: P53.9-M for Edgar Lee Rodrigueza Homeowners Associations, Puerto Princesa
Social Housing Finance Corporation (SHFC) Western Visayas Operations Vice President Emmanuel Penarubia, turned over on January 18, 2021, a check worth P53.8 million to Silangan Development Corporation in full payment for lot acquisition for the socialized housing project Bayview Phases 1 and 2 of Edgar Lee Rodrigueza Homeowners Associations, Inc. for about 320 families in Puerto Princesa, Palawan.
ACCOMPLISHMENT REPORT
JANUARY 2021
1. SHFC HOUSING LOAN: P23.5-M FOR SAN RAFAEL HOMEOWNERS ASSN. ,DAVAO CITY
Pormal nang iginawad ng SHFC Davao City Area Operations ang tseke na nagkakahalaga ng P23.5 milyon para sa takeout ng San Rafael Homeowners Association, Inc. sa Davao City Area Operations Branch Office noong Enero 11
2. SHFC: P20-M housing loan for Bulakan Homeowners Association, Inc (HOAI)
Ang pangarap na magkaroon ng sariling bahay ng higit 260 pamilya mula Bulakan Homeowners Association, Inc (HOAI) ng Malagos, Calinan, Davao City, ay malapit ng matupad! Noong Enero 11, pinangunahan nina SHFC Southeastern Mindanao Operations Vice President Lawrence Bañiso at Davao City Area Operations Manager Margo Babao ang ang pag-awardng tsekeng may kabuuang halagang P20.3 milyon para sa takeout ng nasabing HOAI.
3. SHFC: P7.5 MILLION FOR DAPITAN CITY FISHERMEN SOCIALIZED HOUSING
Pormal nang iniabot ang tseke na nagkakahapaga ng higit P7.5 milyon para sa site development at house construction ng San Antonio Fisherfolks Homeowners Association, Inc. (HOAI) na maghahatid ng ligtas at disenteng pabahay para sa higit 125 pamilya. Ang nasabing aktibidad ay pinamunuan ng SHFC Dapitan at dinaluhan ng mga opisyal ng nasabing HOAI noong Disyembre 23.
4. SHFC: P14.5 MILLION FOR BARESSA HOMEOWNERS
Bilang paunang hakbang sa paghatid ng pabahay para sa higit 200 pamilya mula sa Baressa Homeowners Association, Inc., iniabot ng SHFC sa landowner ang tseke na may kabuuang halagang P14.5 milyon para sa acquisition ng lupaing sakop ng nasabing proyekto. Ang seremonya ay pinamunuan nina SHFC Southeastern Mindanao Operations Vice President Lawrence Bañiso at Davao City Area Operations Manager Margo Babao noong Disyembre 31.
5. DHSUD special body to boost fight vs. real estate scammers
The Department of Human Settlements and Urban Development (DHSUD) has created a special body tasked to craft measures to end illegal activities related to real estate property and other housing projects.
6. DEL ROSARIO: Shelter is a right of every Filipino
The Department of Human Settlements and Urban Development (DHSUD) on Friday has inaugurated its first-ever regional building in Central Luzon as part of efforts to strengthen programs within the housing sector.
7. SHFC: 200 families in Davao City get P14.5 million under Community Mortgage Program (CMP) socialized housing plan
SHFC Southeastern Mindanao Operations Vice President Lawrence Bañiso and Davao City Area Operations Manager Margo Babao led the awarding on December 31, 2020 of check worth P14.5 million for socialized housing of Bamboo Homeowners Association, Inc. of Barangay Tacunan, Davao City that would benefit more than 200 families under the SHFC Community Mortgage Program (CMP).
8. IN BATTLE VS. COVID-19: SHFC REMITS P111.70 MILLION TO BUREAU OF TREASURY
SIXTY-THREE government-owned or controlled corporations (GOCCs) have remitted a total of P160.62 billion to the Bureau of the Treasury (BTr) as of December 15 this year to help fund the government’s continuing response to the Covid-19 crisis and provide economic relief to pandemic-hit businesses and individuals, the Department of Finance (DOF) said.
In a firm commitment to support the national government to respond to the COVID-19 crisis and provide economic relief to the pandemic-hit businesses and individuals, SHFC has remitted P111.70 million in dividends to the Bureau of the Treasury as of December 15.
9. SHFC GIVES LIVELIHOOD AID TO COVID-19 AFFECTED FAMILIES
Social Housing Finance Corporation (SHFC), the lead government agency that administers socialized housing programs for low-income families, has extended financial assistance to another batch of partner-homeowners who lost their jobs or whose livelihood was affected by the COVID19 pandemic.
SHFC Program Development and Enhancement Department Vice President Atty. Maria Rosalie Richa Taguian and Insurance and Community Enhancement Division Manager Cezar Macaspac personally handed the cash assistance of P10,000 to the 27 beneficiaries in a ceremony held at the agency’s head office in Makati on December 3.
The recipients came from the agency’s various Community Mortgage Program (CMP) housing sites, including Muntinlupa, Quezon City, and Pasay.
10. DEL ROSARIO: Completion of housing road map on final dash
The Department of Human Settlements and Urban Development (DHSUD) on Thursday said it is now finalizing the contents of its 20-year housing and urban development strategic plan and roadmap which is set to be completed within the first quarter of this year.
ACCOMPLISHMENT REPORT
DECEMBER 2020
1. FEATURE: Bangon Marawi and Covid-19
More than just the rehabilitation of structure, the government, through the Task Force Bangon Marawi (TFBM), is determined to bring back economic activity and social recovery in Marawi City.
2. HOUSING CZAR URGES SUPPORT VS. FAKE REAL ESTATE DEVELOPERS
Housing czar Secretary Eduardo del Rosario called on local government units (LGUs) to integrate their efforts with the national government’s fight against illegal activities related to real estate property and other housing projects.
3. SHFC and its VAW-free communities (WITH VIDEO)
“We are advocates to end VAWC. We know our rights and we must never allow anyone to violate these. We will continuously to equip ourselves with apt training to improve the delivery of service to our partner-homeowners. Together, we will end VAW and we will look forward to having VAW-free BALAI communities.”-Insurance and Community Enhancement Division
4. SHFC ECPpay in Radyo Pilipinas Radio Interview)
5. DEL ROSARIO ORDERS CRACKDOWN VS. FAKE REAL ESTATE AGENTS
Housing czar Secretary Eduardo del Rosario on Sunday reminded anew the public to be vigilant against bogus brokers engaged in illegal real estate transactions following the arrest of four suspected real estate scammers in Cavite
6. Housing czar eyes nearly P700-M to aid typhoon victims
The government will be needing around PHP697.6 million to help some 712,522 families hit hard by the onslaught of recent typhoons, housing czar Eduardo del Rosario said on Saturday
7. SHFC CONDUCTS SURVEY FOR CABUYAO, LAGUNA RESIDENTS AFFECTED BY A GOV’T PROJECT
The Social Housing Finance Corporation (SHFC), Department of Human Settlements and Urban Development (DHSUD), Department of Transportation (DoTr) and the Asian Developmet Bank (ADB) conducted on November 28, 2020, a community and socio-economic survey in four barangays in Cabuyao, Laguna where a government project is to be constructed . The SHFC, the lead agency tasked with implementing the government’s socialized housing program, will provide housing for about 50 families to be displaced by the project.
8. ARTA to simplify permitting process for socialized housing
In line with its National Effort for Harmonization of Efficient Measures of Inter-related Agencies (NEHEMIA) Program for the Housing Sector, the Anti-Red Tape Authority (ARTA) is pushing for the streamlining of the permitting process for socialized housing development.
9. Valenzuela, SHFC to start social housing project in January 2021
Some 1,632 families residing in danger zones in Valenzuela City are set to be relocated as the construction of a 34-building socialized housing project will commence in January 2021, the local government announced on Friday.
The city government has earlier signed a partnership agreement with the Social Housing Finance Corporation (SHFC) to provide safe, decent, and affordable housing for the families residing in the flood and fire-prone community of Laon.
Mayor Rex Gatchalian and SHFC Vice President for Special Projects, lawyer Tristan Tresvalles on Wednesday officially awarded the cheques amounting to PHP123.4 million to the six-hectare Laon landowners Rosalinda Mary Cheng Lim and Hubert Lim.
10.Department of Human Settlements and Urban Development (DHSUD) starts full operation
Barely 10 months after we started full operations as Department of Human Settlements and Urban Development (DHSUD), we reached another milestone with the establishment and subsequent inaugural meeting of the multi-agency National Human Settlements Board (NHSB).
We can consider NHSB as a housing “super body,” having 10 other national government agencies on board and with DHSUD at the helm. The other 10 are the Department of Finance, Department of Budget and Management, the National Economic and Development Authority, the Department of Public Works and Highways, Department of the Interior and Local Government, and DHSUD attached agencies, namely, Home Development Mutual Fund or Pag-IBIG Fund, National Housing Authority (NHA), National Home Mortgage Finance Corp. (NHMFC), Social Housing Finance Corp. (SHFC) and the Human Settlements Adjudication Commission (HSAC).
ACCOMPLISHMENT REPORT
NOVEMBER 2020
1. SHFC : 12 homeowners get livelihood financial assistance under Financial Literacy Program
Tumanggap ng livelihood financial assistance mula sa SHFC ang labing-isang (11) babae at isang (1) lalaking kwalipikadong miyembro mula sa iba’t-ibang homeowners associations sa Regions 1, 3, 4-A, 5, 6, 11, at 12 noong Nobyembre 20 matapos sumailalim sa Financial Literacy Program. Layon ng programa na matulungang maiangat muli ang pamumuhay ng mga miyembro matapos ang pinagdaanang pandemya at kalamidad.
2. SHFC VIDEO ON PBS RP1: JIMMY MANES ON QUEZON PROJECTS
RP1 Lucena Interview with SHFC
Ibinahagi ni SHFC Vice President for South Luzon Operations Jimmy Manes sa Talk of the Moment ang bagong updates ng kasalukuyan at pinaplanong proyekto ng SHFC sa lalawigan ng Quezon.
3. SHFC & LGU Polomolok MOU Signing
SHFC inks a memorandum of understanding (MOU) with the local government of Polomolok to continue the drive in addressing homelessness through resilient and affordable solutions within the said municipality. The MOU is signed in a virtual ceremony by SHFC Executive Vice President Atty. Junefe Payot and Polomolok Mayor Honey Lumayag-Matti.
4. SHFC-Provincial Government of Batangas MOU Signing
LIVE: SHFC forges partnership with the Provincial Government of Batangas through the signing of the memorandum of understanding (MOU) to pursue safe, affordable, and livable housing in the province under the Community Mortgage Program. The MOU is signed by SHFC President Atty. Arnolfo Ricardo Cabling and Batangas Governor Dodo Mandanas, August 10, 2020
5. SHFC-LGU Arteche MOU Signing
LIVE: SHFC President Atty. Arnolfo Ricardo Cabling officially inks partnership with Arteche Municipal Mayor Roland Boie Evardone to proactively support the families displaced by Typhoon Ambo through the provision of safe, affordable, and livable housing under the Community Mortgage Program. (August 11, 2020)
6. Eduardo del Rosario confirmed as HUMAN SETTLEMENTS secretary
The Commission on Appointments (CA) confirmed on November 19, 2020, the appointment of Eduardo del Rosario as Secretary of the Department of Human Settlements and Urban Development (DHSUD).
7. SHFC & LGU Mariveles MOU Signing
LIVE: MOU SIGNING CEREMONY BETWEEN SHFC AND LGU MARIVELES, BATAAN
8. SHFC & LGU Tubigon MOU Signing Ceremony
The memorandum of understanding (MOU) that marks the start of adequate, livable, and affordable housing for underprivileged families in the Municipality of Tubigon is being signed by SHFC Operations Senior Vice President Atty. Ronaldo Saco and Mayor William Jao.
9. SHFC LIVELIHOOD FINANCIAL ASSISTANCE
Another good news, mga Ka-SHFC! Pagbabalik sigla ng kabuhayan para sa higit 30 miyembro mula sa iba’t-ibang homeowners associations sa Marikina, Valenzuela, at North Caloocan na nakatanggap ng Livelihood Financial Assistance mula sa ahensya. Ang nasabing programa ay pinangunahan ng Program Development and Enhancement Department at layong makatulong sa mga komunidad upang makabangon sa hirap na dulot ng pandemya.
10. SHFC NEWS: EASY TO PAY THROUGH ECPay
Good news, Ka-SHFC! Easy na lang ang pagbabayad ng monthly amortization dahil pwede mo na itong ihulog sa ECPay gamit ang Zeus SHFC Portal sa pag-generate ng reference number.
11. SHFC & LGU Roxas, Isabela MOU Signing
SHFC signs a memorandum of understanding (MOU) with the local government unit of Roxas, Isabela to formalize collaboration in implementing resilient and sustainable housing for underprivileged communities within the said municipality. The MOU is signed by Senior Vice President for Legal, Partners, and Enforcement Group Atty. Leo Deocampo and Roxas Municipal Mayor Jonathan Jose Calderon.
12. DEL ROSARIO TAPS GROUP VS. BOGUS REAL ESTATE BROKERS
Department of Human Settlements and Urban Development (DHSUD) Sec. Eduardo del Rosario on Monday appealed to real estate brokers to join the government’s fight against bogus transactions related to real estate property and other housing projects.
13. DEL ROSARIO cites environmental planners’ roles in urban dev’t, housing
Housing czar Secretary Eduardo del Rosario cited the significant role of environmental planners in pushing sustainable housing and urban development in the country. Del Rosario said the planning expertise of these environmentalists could be useful in the government’s future housing programs.
14,SHFC, Ivisan & Mambusao LGUs of Capiz meet on socialized housing programs
Mayad-ayad nga aga, Capiz! Isang pagpupulong ang isinagawa ng SHFC kasama ang mga Lokal na Pamahalaan ng Municipality of Ivisan at Mambusao upang mailahad ang bagong mga CMP Modalities na makakapaghatid ng abot-kaya at disenteng pabahay para sa mga Capiznon. Ang nasabing pagpupulong ay dinaluhan nina SHFC Roxas Manager Elmerado Viernes, Ivisan Mayor Felipe Neri Yap, at Mambusan Mayor Leodegario Labao, Jr. sa Ivisan Municipal Hall noong Oktubre 23.
15. SHFC, LGU-Lambayong, Sultan Kudarat tie up for housing partnership
The Social Housing Finance Corporation (SHFC) and local government of Lambayong in Sultan Kudarat signed a memorandum of understanding (MoU) on September 30 for the implementation of socialized housing initiatives under the Community Mortgage Program (CMP) in the municipality. This will allow more than 8,600 families to borrow funds from the agency for land acquisition and site development.
16. SHFC, PANITAN LGU IN CAPIZ EXPLORE LOW-COST HOUSING TIE-UP
The Social Housing Finance Corporation (SHFC) on October 12, briefed officials of the local government of Panitan, Capiz on the Community Mortgage Program (CMP), the flagship socialized housing program of the SHFC, the government agency tasked with providing low-cost housing to the homeless Filipinos.
The briefing held at the Panitan Municipal Hall was led by SHFC Roxas Manager Elmerado Viernes, Jr. and attended by Panitan Mayor Katherine Dequiña-Belo and other local officials.
17.SHFC OFFERS SOCIALIZED HOUSING AGREEMENTS WITH AGUSAN DEL SUR MAYORS
The Social Housing Finance Corporation (SHFC) and Mayor Florencio Garay of Bislig City and Mayor Symond Caguiat of Sta. Josefa municipality of Agusan del Sur are expected to formally sign a Memorandum of Agreement (MOU) on the Community Mortgage Program (CMP), the flagship program of the SHFC that provides low-cost housing to homeless members of organized community and homeowners associations. The AgSur mayors were briefed on October 30 on the program by Merry Cris Berdin, manager of SHFC Caraga and concurrent head of SHFC Southeastern Mindanao. Also present during the briefing were Bislig City councilor Jonathan Lagonero, Sta. Josefa planning office representative Carlo quijada and SHFC Caraga coordinator Paul Bangcas.
18. SHFC & LGU GMA, Cavite MOU Signing Ceremony
LIVE: MOU SIGNING CEREMONY BETWEEN SHFC AND LGU GMA, CAVITE
SHFC enters into a memorandum of understanding (MOU) with LGU General Mariano Alvarez, Cavite to provide affordable, adequate, and livable housing for families living in the blighted communities of the said municipality. The MOU is signed by SHFC Senior Vice President for Operations Atty. Ronaldo Saco and General Mariano Alvarez Mayor Walter Echevarria, Jr.
ACCOMPLISHMENT REPORT
OCTOBER 2020
1. House panel okays bill on on-site relocation of informal settlers
A measure authorizing the on-site relocation of thousands of informal settlers across the country hurdled the committee level at the House of Representatives.
2. BUYERS WARNED VS. FAKE REAL ESTATE BROKERS IN SOCIAL MEDIA
Bogus real estate brokers have victimize people by illegally selling lots and housing units as well as prey on unsuspecting buyers through social media.
Secretary Eduardo del Rosario, chairman of the Department of Human Settlements and Urban Development (DHSUD), said his agency is coordinating with authorities in the monitoring and arrest of the bogus brokers.
Based on the Housing and Land use Regulatory Board (HLURB) under Presidential Decree 957—no real estate broker or salesman shall engage in the business of selling subdivision lots or condominium units without being registered.
DHSUD has regulatory power over real estate developers and brokers and salespersons are obliged to register with the DHSUD before engaging in property selling.
3. Marawi City shelters on the rise
On Oct. 17, 2017, President Duterte declared the liberation of Marawi from the hands of Daesh-inspired terrorists who laid siege to our only Islamic City for five months in a failed attempt to establish a caliphate in the city.
The siege resulted in the deaths of more than a thousand terrorists, government troops and innocent civilians. Apart from the loss of precious lives, destruction to properties, both residential and commercial structures, was severe in 24 out of the 96 barangays of Marawi City. A total of 49,785 households were affected by the conflict, of which 17,793 reside in the most affected area (MAA) or the so-called “ground zero” while 28,280 were from the less affected area (LAA) and 3,712 were renters.
4. Marawi’s permanent shelters set for completion next year
The Social Housing and Financing Corporation (SHFC) vowed to immediately start the construction and site development works in Barangay Dulay Proper, where 40 lots will be available for house construction by the end of the month, and another 80 lots will be available by November this year.
5. SHFC & LGU Guiguinto, Bulacan MOU Signing
LIVE: MOU SIGNING CEREMONY BETWEEN SHFC AND LGU GUIGUINTO, BULACAN SHFC Operations Senior Vice President Atty. Ronaldo Saco and Guiguinto Mayor Ambrosio Cruz, Jr. sign a memorandum of understanding (MOU) furthering the commitment of SHFC and the local government of Guiguinto to building affordable and livable shelters in the said municipality.
6. DRILON WANTS BIGGER BUDGET FOR GOVT HOUSING PROGRAM
Senate Minority Leader Franklin Drilon on Wednesday batted for bigger budget in the proposed 2021 budget for the Department of Human Settlements and Urban Development (DHSUD), the lead agency implementing the government’s housing program.
At the Senate hearing on the P4.5-Trillion national budget, Drilon criticized the measly P4-Billion budget of the housing sector.
7. 250 FAMILIES TO BENEFIT FROM SHFC, BATANGAS HOUSING TIE-UP
Social Housing Finance Corporation (SHFC) and the provincial government of Batangas inked a memorandum of understanding (MOU) for the implementation of housing projects for more than 250 families from three municipalities. SHFC President Atty Arnolfo Ricardo Cabling and Gov. Hermilando Mandanas signed the agreement in a virtual ceremony held on August 10.
8. SHFC, BIÑAN INK HOUSING MOU FOR 7,000 FAMILIES
Social Housing Finance Corporation (SHFC) signed a memorandum of understanding (MOU) with the local government of Biñan, Laguna, for the implementation of housing projects under the Community Mortgage Program (CMP) that will benefit about 7,000 families from the city. The memorandum of understanding (MOU) was inked by SHFC President Atty. Arnolfo Ricardo Cabling and Mayor Walfredo Dimaguila, Jr. in a virtual ceremony held on July 29.
9. BONG GO BACKS 2021 BUDGET FOR GOVT HOUSING PROGRAMS
Urges housing agencies to finish projects to improve access of poor Filipinos to affordable quality housing
Christopher “Bong” Go expresses his support for the proposed 2021 budget of the Department of Human Settlements and Urban Development.
In his manifestation during a Senate budget hearing on Wednesday, October 21, Go said that the proposed budget for the DHSUD and its attached agencies will be a big help for homeless and less fortunate Filipinos.
10. SHFC, EL SALVADOR, MISAMIS ORIENTAL MOU SIGNING
11. SHFC FEATURE: Virtual CMP orientation for 100 Calapan City partner-homeowners
Community Mortgage Program Orientation
Oktubre 2. Pinangunahan ng Insurance and Community Enhancement Division ang isang Community Mortgage Program Orientation para sa higit 100 partner-homeowners mula sa Jubilee Ville Calapan Homeowners Association Phases 1 and 2 ng Calapan City upang maihayag ang mga impormasyon patungkol sa mga loan programs ng ahensya.
12. SHFC FEATURE: Livelihood financial assistance amid Covid-19
LIVELIHOOD ASSISTANCE
Pinangunahan ng Program Development and Enhancement Department ang pag-abot ng livelihood financial assistance para sa 6 na kababaihan at 2 kalalakihang miyembro ng iba’t-ibang homeowners associations mula sa mga siyudad ng Valenzuela, Marikina, at Quezon ngayong araw. Ang assistance ay inaasahang makatutulong sa mga miyembrong bumangon sa hirap na dulot ng pandemya.
13. SHFC FEATURE: Webinar orientation for new mobilizers
Labinlimang bagong mobilizers mula General Santos City, Sarangani, at Pampanga ang sumailalim sa Community Mortgage Program mobilizers webinar series na pinangunahan ng Partner Relations Division mula Setyembre 28 hanggang Oktubre 01. Ang nasabing webinar series ay naglalayong makapag-abot ng kaalaman kung paano magiging epektibong kaagapay at gabay ng isang komunidad.
14. SHFC LOW-COST HOUSING LURES 800 IN SAMAL, BATAAN
San Juan Homewners Association
Isinagawa ang background investigation sa higit 800 na miyembro ng San Juan Homewners Association, Inc. (HOAI) sa Samal, Bataan noong Oktubre 7 hanggang Oktubre 9 na pinangunahan nina SHFC Pampanga Manager Prandy Vergara at Samal Mayor Aida De Guia Macalinao. Ang nasabing aktibidad ang magsisilbing paunang hakbang ng HOAI upang pormal na makasali sa Community Mortgage Program. Ang SHFC as pinangungulohan ni Atty. Arnolfo Ricardo Cabling.
15. LIVE: MOU SIGNING BETWEEN SHFC AND LGU CARMONA, CAVITE
SHFC and the local government of Carmona, Cavite signed the Memorandum of Understanding (MOU) to build affordable and livable housing with the hope of alleviating homelessness. The MOU was signed virtually by SHFC President Atty. Arnolfo Cabling and Mayor Roy Loyola on October 19.
16. SHFC turns over housing units to 200 Lucena City families
Mother of Eucharist Homeowners’ Association
A total of 236 families previously living in danger zones in Lucena City, Quezon Province officially moved into their own safe and decent homes on September 15, a very timely development amid the Covid-19 pandemic.
This was after the Social Housing Finance Corporation (SHFC) turned over the housing units to the members of Mother of Eucharist Homeowners’ Association, a local government unit-led project under the Community Mortgage Program (CMP).
17. SHFC FEATURE: P9.98-M FOR 110 BACOLOD HOMELESS FAMILIES
Officials of Country Ville Homeowners Association, Inc. on September 7, 2020, receive a check worth P9.98 million from the Social Housing Finance Corporation (SHFC) Bacolod Branch for the socialized housing project for some 110 families in Barangay Mansiligan.
18. MOU SIGNING CEREMONY BETWEEN SHFC AND LGU SANTO TOMAS, PAMPANGA
SHFC signs a memorandum of understanding (MOU) with the local government of Santo Tomas, Pampanga to formalize a collaborative effort in implementing the Community Mortgage Program within the said municipality. The MOU was signed on Otober 16, 2020 by SHFC Executive Vice President Atty. Junefe Payot and Mayor Gloria Ronquillo.
19. OCTOBER IS NATIONAL SHELTER MONTH
DHSUD scales up web, info drive on housing programs The Department of Human Settlements and Urban Development (DHSUD) will roll out a series of activities, including an extensive information drive on various housing programs, in line with the observance of the national shelter month.
ACCOMPLISHMENT REPORT
SEPTEMBER 2020
1. SHFC housing loan beneficiaries get Livelihood Financial Assistance (VIDEO)
2. SHFC FEATURE: BAYANIHAN HOAI EXEMPLIFIES COMMUNITY SPIRIT DURING COVID-19 CRISIS
As the country grapples with the COVID-19 pandemic, Bayanihan Homeowners Association, Inc. (HOAI), a community in Salinas I, Bacoor, Cavite, aptly embodied the essence of the famous Filipino trait of communal unity. Showing collaborative effort, the officers took the lead in devising preventive measures against the disease while members demonstrated enhanced cooperation to implement the strategies successfully.
3. SHFC FEATURE: SOLIDARITY OUTSHINES PANDEMIC: THE BRAVE FRONTLINERS OF CENTENNIAL 1-B HOAI
The COVID-19 pandemic has brought unprecedented changes to our lives, with the wearing of masks and social distancing becoming the new norm. As most economic activities grounded to a halt due to the implementation of the enhanced community quarantine (ECQ), the majority started to feel the difference.
4. SHFC FEATURE: UNITY, PROACTIVE LEADERSHIP KEYS TO STAYING COVID-FREE
San Isidro Labrador Homeowners’ Association, Inc. (HOAI), a community in Barangay Moonwalk, Parañaque, took the adage “it takes a village” to the next level, combining unity and effective leadership in mitigating the impact of COVID-19. These traits have been working wonders for the 34-member association as it has zero positive cases reported despite the high number of infections in the city.
5. SHFC-TACURONG CITY SIGNING CEREMONY
6. CABLING BACKS DEL ROSARIO CALL FOR BIGGER BUDGET FOR HOUSING
TARGET: 1.4 million housing units for the informal settler families from 2017 to 2022
The head of the government agency implementing the state’s socialized housing program is strongly backing the call of housing czar Secretary Eduardo del Rosario for a bigger budget for housing for the millions of homeless Filipinos.
Arnolfo Ricardo Cabling, President of the Social Housing Finance Corporation (SHFC), expressed the support as Del Rosario, Chairman of the Department of Human Settlements and Urban Development (DHSUD), moaned that his department’s meager budget for 2021 would badly affect its housing programs especially for the millions of homeless and less privileged Filipinos.
7. NORCOT GOV. CATAMCO WELCOMES SHFC SATELLITE OFFICE IN KIDAPAWAN
TO BOOST LOCAL SOCIALIZED HOUSING PROGRAM
North Cotabato Governor Nancy Catamco backed a proposal by state-owned Social Housing Finance Corporation (SHFC) to build a satellite office in her province that would speed up delivery of low-cost housing to the homeless, poorest of the poor.
8. Biñan City Mayor Dimaguila vows all-out support for SHFC housing project
The Covid-19 pandemic should not stop us from providing housing to our constituents.
Thus said Biñan City Mayor Arman Dimaguila Jr who vowed all-out support for the SHFC housing program after signing a Memorandum of Understanding (MoU) with the government agency implementing the country’s socialized housing program.
9. 250 families to benefit from SHFC, Batangas housing tie-up
Social Housing Finance Corporation (SHFC) and the provincial government of Batangas inked a memorandum of understanding (MoU) for the implementation of housing projects for more than 250 families from three municipalities.
10. SHFC BUILDING 1,500 PERMANENT HOUSES FOR MARAWI SIEGE VICTIMS
The Social Housing Finance Corporation (SHFC) is constructing 1,500 housing units in Marawi City as the government prioritizes building of permanent housing units to Internally Displaced Persons (IDPs), who lost their houses during the 2017 siege of the Philippines’ Muslim city by terrorist groups.
Submitted By:
ROGELIO M. BALANZA
Special Concerns Consultant
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Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
JUNE, JULY, AUGUST 2020
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/
Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
AUGUST 2020
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/
1 -DESPITE COVID-19, SHFC HOPING HIGH COLLECTION PERFORMANCE FOR 2020
By ROGER M. BALANZA
Innovative collection strategies, continuing partner ship with local government units and expanded modalities for housing projects and sectors for housing loan financing are critical and added factors that were expected to ensure the Social Housing Finance Corporation (SHFC) to meet its collection targets despite the Covid-19 pandemic.
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.
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 borrowers face 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 to restructure 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.
2 -HOUSING PROJECT FOR 1,000 FAMILIES TO RISE IN JONES, ISABELA
More than 1,000 families are poised to benefit from a housing project jointly implemented by the Social Housing Finance Corporation and the municipal government of Jones.
The project, which will be funded through the SHFC’s flagship initiative, the Community Mortgage Program (CMP), is a product of the memorandum of understanding (MOU) signed by SHFC Executive Vice President Atty. Junefe Payot and Mayor Leticia Sebastian in a video conference held on July 9.
Under the deal, SHFC will finance the lot acquisition, site development, and house construction of the Jones Isabela CMP Homeowners Association Inc., which is composed of 1,166 families from Barangays Payac and San Isidro. Most of the beneficiaries are market vendors, health personnel, teachers, government employees, and overseas Filipino workers.
3 -HOUSING CZAR ED DEL ROSARIO ON SHFC CMP ANNIVERSARY
“The Department of Human Settlements and Urban Development congratulates the Social Housing Finance Corporation on the 32nd anniversary of its Community Mortgage Program (CMP).
For more than three decades, the CMP has been key program in the realization of every Filipino family’s dream of having a house of their own.Last year, with the introduction of 12 new modalities, more families stand to benefit from this innovative, responsive and generous housing program, especially the poor, the underprivileged, and victims of calamities and internal conflicts
.Indeed, the CMP is a huge boost for the government in carrying out its mandate of providing sustainable, resilient, safe, and affordable homes for all Filipinos.
The Department is proud to have SHFC as a shelter agency in empowering the housing sector. The CMP serves as a shining beacon to our kababayans even during this time where the adverse impact of the COVID-19 pandemic is felt by all sectors. Again, our sincerest and heart-felt congratulations!”
Secretary Eduardo Del Rosario, Department of Human Settlements and Urban Development (DHSUD)
4 – SHFC FEATURE: WHAT THEY SAY about the Community Mortgage Program (CMP) (PHOTO/VIDEO NEWS)
5 – VIRTUAL SIGNING: SHFC and Echague, Isabela Memorandum of Understanding (MOU) on CMP socialized housing
LIVE: SHFC and the local government of Echague, Isabela signed on August 25, 2020 a Memorandum of Understanding (MOU) to pursue a collaboration in implementing the Community Mortgage Program to uplift the living conditions of underprivileged communities in the said municipality. The MOU is inked by SHFC Operations Senior Vice President Atty. Ronaldo Saco and Echague Mayor Francis Faustino “Kiko” Dy.
6 – SHFC: 15,000 homeless families to get housing under virtual MOA signing with LGUs
COVID-19 has not stopped the Social Housing Finance Corporation (SHFC) from pursuing its mandate to provide socialized housing to low-income homeless Pinoys. To date it has signed in virtual mode, in compliance with health protocols of the Inter-Agency Task Force (IATF) versus Covid-19, nine (9) Memorandum of Agreements (MOA) with partner Local Government Units (LGUs) that would provide socialized housing units to 15,000 families under the SHFC Community Mortgage Program (CMP) that extends low-interest, long-term housing loans to members of organized homeowners/community associations.
7 – SHFC GROUNDBREAKING: Socialized housing for 1,000 families of San Antonio, Quezon
Groundbreaking Ceremony for socialized housing funded by the Community Mortgage Program (CMP) of the Social Housing Finance Corp. (SHFC) for more than 1,000 families of San Antonio Ville Homeowners Association, Inc. of San Antonio, Quezon on August 22, 2020, attended by SHFC Operations Senior Vice President Atty. Ronaldo Saco, SHFC Vice President for South Luzon Operations Jimmy Manes, San Antonio Municipal Mayor Hon. Erick Wagan, and San Antonio Municipal Vice Mayor Jay Vesliño.
8 – SHFC MAPS OUT STRATEGIES AMID COVID-19 WOES
As the immobilizing impact of the COVID-19 pandemic takes a heavy toll on capability of government agencies to implement programs and projects, the Social Housing Finance Corporation (SHFC) Advisory Council held a 5-day planning session to map out plans and strategies to achieve its performance targets for year 2020.
With face-to-face gatherings outlawed by mandated health protocols to avoid spread of the coronavirus disease, the planning session was conducted in virtual mode on August 2-7, 2020 by members of the Advisory Council.
Like other government agencies hobbled by COVID-19 in delivering services, SHFC , tasked with implementing the government’s socialized housing program, has to develop innovative strategies so as not to hamper its mission to deliver housing to the country’s homeless poor.
On top of the Advisory Council virtual planning session were the agency’s projected delivery of housing units for 60,000 families and collection target of P900 Million for 2020.
Done ahead of the 32nd anniversary on August 19 of the Community Mortgage Program (CMP), SHFC’s flagship program that provides long-term, low-interest housing loans to organized community/homeowners associations, the planning session also tackled continuing initiatives to push signing of Memorandum of Understanding (MOU) and Memorandum of Agreement (MOA) with the country’s Local Government Unit (LGUs) that calls for partnership and funding assistance in the implementation of the socialized housing programs of the LGUs.
To date, SHFC has signed MOUs/MOAs, in virtual settings, with more than a dozen LGUs.
9 – SHFC Community Mortgage Program (CMP) marks 32nd anniversary
CMP is a people-led housing finance and community development program implemented by the Social Housing Finance Corporation (SHFC) which assists legally organized associations of low-income groups to acquire and develop a tract of land under the concept of community ownership.
The primary objective of the program is to assist residents of blighted or depressed areas to own the lots they occupy, or where they choose to relocate to, and eventually create sustainable and resilient communities in coordination with the local government units. CMP shall be implemented in various Flexible, Affordable, Innovative, and Responsive (FAIR) shelter .
10 – SHFC-CdeO Memorandum of Agreement (MoA)
Bilang pagpapatibay sa layuning makapaghatid ng ligtas at disenteng pabahay para sa 1,900 pamilyang naapektuhan ng Bagyong Sendong, isinagawa ang Deed of Donation and Acceptance and Memorandum of Agreement signing ceremony noong August 6 sa pagitan ng SHFC, Cagayan de Oro City Philippines, at Arkidiyosesis ng Cagayan de Oro. Kung saan, ang nasabing mga kasunduan ay nilagdaan nina SHFC Vice President for Northwestern Mindanao Eng. Felman Gilbang, Cagayan de Oro City Mayor Oscar S. Moreno, at Archbishop Tony Ledesma.
11 – SHFC, Cauayan tie up to build homes for 600 families
BOUT 600 families from Cauayan, Isabela will soon have a place they can call their home with the implementation of the Community Mortgage Program (CMP), the flagship housing initiative of the Social Housing Finance Corporation (SHFC), in the city.
This came after SHFC Senior Vice President for Operations Ronaldo Saco and Mayor Bernard Faustino Dy signed a memorandum of understanding (MoU) in a virtual ceremony held on July 27.
Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
Month of JULY 2020
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/
1 – ESCAPING COVID-19: Valencia City Mayor Huervas , SHFC prexy Cabling go virtual in socialized housing MOU signing
BY ROGER M. BALANZA
The Covid-19 pandemic cannot stop us from helping secure shelter for the underprivileged and homeless citizens of our country, said Mayor Azucena Huervas of Valencia City Bukidnon, in her dramatic speech at the signing ceremony of a Memorandum of Understanding (MOU) between her city and the state-owned Social Housing Finance Corporation (SHFC) on Monday, July 20, 2020.
The MOU opens the door for low-income, homeless residents of Valencia City to secure housing loans from the SHFC.
With potential infection from the deadly coronavirus making physical social gatherings a big no-no, Mayor Huervas and SHFC president Arnolfo Cabling went virtual in the signing ceremony.
2 – SHFC, DAET sign MOU on socialized housing
Social Housing Finance Corporation (SHFC), the lead government agency that administers socialized housing initiatives for low-income families, has added Daet, Camarines Norte to its growing list of local government partners with the signing of a memorandum of understanding (MOU) for the implementation of the Community Mortgage Program (CMP) in the municipality.
SHFC President Atty. Arnolfo Ricardo Cabling and Mayor Benito Ochoa inked the deal on July 1 in a video conference facilitated by the Partner Relations Division and the Strategic Communications Division. Witnessing the event were SHFC Executive Vice President Atty. Junefe Payot, Legal, Partners, Policy Enforcement Group Senior Vice President Atty. Leo Deocampo, South Luzon Operations Vice President Lito Manes, Jr., and Daet Municipal Planning and Development Head Arch. Emily Palomiano.
Attesting to the agency’s dedication to its mandate despite the COVID-19 pandemic, the virtual ceremony was the second of its kind for SHFC. On June 18, it signed a similar agreement virtually with the local government of Taysan, Batangas.
3 Housing project for 1,000 families to rise in Isabela town
More than 1,000 families from a town in Isabela province are poised to benefit from a housing project jointly implemented by the Social Housing Finance Corporation (SHFC) and the municipal government of Jones.
The project, which will be funded through the former’s flagship initiative, the Community Mortgage Program (CMP), is a product of the memorandum of understanding (MOU) signed by SHFC Executive Vice President Atty. Junefe Payot and Mayor Leticia Sebastian in a video conference held on July 9.
4 – DEL ROSARIO: No more Marawi siege under Anti-Terrorism Law
BY ROGER M. BALANZA
The Anti-Terrorism Act of 2020 has armed the government with the necessary fire power to crush terrorism.
“With this new law, our government is now better equipped to defeat these terrorists,”Task Force Bangon Marawi (TFBM) chairperson Secretary Eduardo Del Rosario said Monday, citing the five-month-long siege laid by local terrorists backed by ISIS or the Daesh.
Daesh is another name for the Islamic State of Iraq and Syria (ISIS), the Middle East-based terror group considered as the most violent international terrorist organization today. ISIS backed local terrorist groups in the siege of the city of Marawi, the Muslim capital city of the country located in the south Philippine island of Mindanao, that killed hundreds of soldiers, policemen and civilians and displaced hundreds of thousands of resident.
Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
Month of JUNE 2020
1 – SHFC FEATURE: BULAKENYA MOM THRIVES IN SHAPING COMMUNITY, RAISING KIDS
Juggling responsibilities as a mother, wife, and an officer of an organization can be very taxing. The many varied social expectations coming from all directions can take its toll. But Ningning Salcedo, an OFW’s wife who is single-handedly raising two daughters, is able to manage them all.
Along with 167 other families, Ningning used to live in a community in the highlands of San Jose Del Monte, Bulacan, without land title, access to water, and electricity. Moreover, the lack of decent road networks made it difficult for them to move around. “Talagang sa una, napakahirap kasi ang darning kulang. Bundok kasi siya at bukirin. Hindi mo iisipin na dito ka titira,” she explained as she looked back at their previous situation.
2 – SHFC FEATURE: LONG DREAM COME TRUE FOR PWD
Feliciano dela Cruz, Jr., a person with disability, embodies perseverance. Having poured his energy, time, and resources to do whatever it took to secure his own piece of land, the 66-year-old member of Bagong Silang Homeowners Association felt rejuvenated when he finally got hold of his transfer certificate of title (TCT) on the morning of January 26. “Swerte na talaga ako nito, kasi hawak ko na ‘yung titulo ng lupa ko,” he said.
Even though he had difficulty walking, Feliciano mustered the strength to climb the stage and participate in the title awarding ceremony, which he considered as one of the most memorable moments in his life. “Hindi nga ako nakatulog eh. Gising na ako ng alas-tres ng umaga. Pero nagsimba muna ako. Pinagdasal ko na sana totoo na talaga ito. Kahit na nahihirapan akong maglakad pipilitin ko,” said the senior citizen, who drew loud cheers and thunderous applause when he received his TCT. “Excited ako kasi malaking regalo na ito para sa akin.”
3 – SHFC GOES VIRTUAL IN HOUSING LOAN PROCESSING AMID COVID-19 CRISIS
Sa kauna-unahang pagkakataon ay isinagawa ang isang virtual Community Mortgage Program orientation para sa La Consolacion Mining Homeowners Association, Inc. noong June 16. Sa pangunguna ni Insurance and Community Enhancement Division Manager Cezar Macaspac, ang aktibidad ay dinaluhan ng 15 opisyal ng asosasyon at limang kinatawan mula sa mobilizer nito, ang Sambahayan Initiatives Inc.
4 – SHFC SURVEY: Livelihood Assistance for housing loan beneficiaries
Ang Social Housing Finance Corporation (SHFC) ay may programang LIVELIHOOD ASSISTANCE para sa mga kwalipikadong miyembro-benepisyaryo (o sa mga lubos na nangangailangan) ng Community Mortgage Program. Upang ganap na makatugon sa pangangailangan ng aming mga miyembro-benepisyaryo sa panahong ng pandemya (COVID-19), mahalaga sa aming makakalap ng mga datos upang pag-aralan kung paano makatutugon ang SHFC sa mga apektadong miyembro-benepisyaryo.
5 – SHFC, Batangas mayor sign virtual housing MOU for informal settlers
Social Housing Finance Corporation (SHFC), the lead government agency that administers socialized housing programs for low-income families, forged a partnership with the local government of Taysan, Batangas, for the implementation of the Community Mortgage Program (CMP) in the municipality.
Adapting to the new normal as a result of the Covid-19 pandemic, SHFC President Atty. Arnolfo Ricardo Cabling and Mayor Grande Gutierrez signed the memorandum of understanding (MOU) in a videoconference on June 18 spearheaded by the Partner Relations Division and the Strategic Communications Division.
6 – SHFC RESETTLES 200 DAVAO RIVERSIDE FAMILIES TO P20-M SOCIALIZED HOUSING PROJECT
Housing Finance Corporation (SHFC) has approved about P20 million in loan for the resettlement of more than 200 families previously living in shanties along a river in Davao City as the agency continues to uphold its mandate to administer socialized housing programs amid the COVID-19 pandemic in the country.
The provision of adequate housing is especially timely, given that viruses spread fast in congested informal settlements. The approval was made after SHFC announced that it is suspending some of its ancillary activities for the year worth P21 million to help the government fund its programs to contain the pandemic.
“SHFC is embracing the new normal. This virus crisis will not prevent us in delivering services to the homeless and underprivileged Filipinos,” SHFC South Eastern Mindanao OIC-Vice President Lawrence Bañiso said. “The approval of this project is a testament to our commitment.”
The loan will be used for the acquisition and development of around three hectares of land in Barangay Talomo River in Calinan District for the Green Hills Homeowners Association. It is financed under the Community Mortgage Program (CMP), wherein low-income families can borrow as a community to buy the land they occupy or would like to relocate to.
Raquel Branzuela, the association’s president, welcomed the timely approval of their loan as it gave them comfort despite the virus crisis. “Nagagalak kami dahil magkakaroon na kami ng sariling bahay at lupa na matagal na naming pinapangarap,” she said. “Dahil sa SHFC, hindi na kami squatter.”
7 – SHFC REALIGNS P21 MILLION FOR PH COVID-19 FIGHT
Social Housing Finance Corporation (SHFC), the lead government agency that administers socialized housing programs for low-income families, is suspending some of its planned ancillary activities and events for the year worth more than P21 million to free up funds to help in the government’s fight against the COVID-19 pandemic.
Despite the spending cuts, the agency will proceed with the provision of adequate housing in clean neighborhoods as it has become even more crucial at this time as a long-term strategy to fight the spread of the virus.
The belt-tightening, which includes cancellation of employee and stakeholder engagement events, complies with the directives of the Department of Budget and Management to defer non-essential spending and realign the budget of respective government agencies to respond to the crisis. The austerity measures were announced during SHFC’s Board Meeting presided by the Department of Human Settlements and Urban Development (DHSUD) Secretary Eduardo del Rosario on April 28 in Quezon City.
8 – SHFC CLIENTS GET LOAN REPRIEVE AMID COVID-19 OUTBREAK
Social Housing Finance Corporation (SHFC), the lead government agency mandated to undertake socialized housing for low-income earners, is implementing a three-month moratorium on the payment of loan amortization of its partner-homeowners from March 16, 2020 to June 16, 2020. This is SHFC’s answer to the call of President Rodrigo Duterte to exhaust all efforts to respond to the needs of Filipinos amid the threat of COVID-19 in the country
Aside from the payment extension, no penalties will be charged to accounts whose due dates fall within the period. The loan reprieve was pursuant to the advisory released by the Department of Human Settlements and Urban Development (DHSUD) after President Rodrigo Duterte placed the entire Luzon region under enhanced community quarantine. SHFC is one of the key shelter agencies under DHSUD.
Partner-homeowners who wish to pay their loan amortization on time can do so in select branches of Land Bank of the Philippines across the nation. As citizens are encouraged not to go outside to avoid contracting the virus, clients can generate their statements of accounts and abstract of collection through the SHFC Portal.
SHFC President Atty. Arnolfo Ricardo Cabling said the agency is one with the entire country in these difficult times. “We want to ease the financial burden of our stakeholders as we face this challenge,” he said.
Meanwhile, SHFC Senior Vice President for Operations Atty. Leo Deocampo said that the moratorium will allow partner-homeowners to focus on meeting their basic needs and security.
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.
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Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
Month of MAY 2020
Visit: durianburgdavao.com/2019/07/23/social-housing-finance-corp-shfc/
NEWS REPORTS/PHOTONEWS/COLUMNS posted in the website DURIAN POST (durianburgdavao.com)
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6 LICENSED ENVIRONMENTAL PLANNERS CRAFTING SHFC URBAN HOUSING PROGRAM
The Social Housing Finance Corporation (SHFC) has a loaded bench of licensed environmental planners mapping up strategies and programs of the agency’s urban housing to ensure delivery of affordable shelter to the homeless poor in the urban centers.
SHFC, the government agency implementing the country’s socialized housing program, now has a total of six licensed environmental planners, including Vice President for Engineering Engr. Elsa Calimlim and OIC-Manager for Central Luzon Operations Engr. John Lee.
Also now in the roster of the SHFC environmental planners are Executive Vice President Atty. Jenefe Payot, OIC-Vice President for Special Projects Atty. Tristan Frederick Tresvalles and Account Specialists Mr. Junard Amba and Mr.Milkyzedeck Bien, who all passed the environmental planners licensure exam in June last year.
To update themselves on the latest laws, issuances, best practices and planning trends in the profession, SHFC environmental planners attended the 28th National Convention of the Philippine Institute of Environmental Planners (PIEP) held on November 7 to 9 last year at the Philippine Convention Center in Pasay.
Under the Environmental Planning Act of 2013 ( Republic Act No. 10587), environmental planning is equivalent to urban and regional planning, city planning and human settlements planning .
Secretary Eduardo Del Rosario of the Department of Human Settlements and Urban Development (DHSUD) and chairperson of the SHFC Board was the convention’s keynote speaker.
He discussed the crucial role that DHSUD will play in the management of urbanization so that the country can reap urbanization benefits that would help in forging smart, safe, resilient, and sustainable cities and communities, one of the main goals of urban or environmental planning.
According to Atty. Payot, who placed third in the June 2019 board exams for environmental planners, the three-day convention helped him in understanding the challenges of urbanization in the Philippines, particularly the central role of affordable housing to ensure inclusive urban development.
“From a social justice or rights discourse view, we need to ensure that everyone has access to adequate housing. By adequate, we mean housing that gives families—especially low-income earners — access to socio-economic as well as cultural and educational opportunities that are concentrated in our cities,” he explained.
Atty. Payot expressed confidence that shelter agencies like DHSUD and SHFC are now prepared for the important roles that they will play in urban development given the growing number of environmental or urban planners among their personnel, including those at the highest levels such as Assistant Secretary Melissa Aradanas and Directors Myles Rivera and Jeanette Cruz of the DHSUD.
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PARALEGALS BACK UP SHFC HOUSING PROGRAMS
44 NEW GRADUATES BEEF UP SHFC PARALEGAL BENCH
SHFC, in partnership with the UP Law Center (UPLC), designed a paralegal training programs that produces 44 new paralegals in a two-part session conducted on October 7 to 11 and October 21 to 25 last year at the University of the Philippines-Diliman.
Aimed at giving participants a fundamental legal knowledge focused on better understanding and appreciation of laws and legal procedures specially as they relate to housing, the training was facilitated by justice Raul Villanueva, Justice Oswaldo Agcaoili, and Agranian Reform Usec Luis Pagulayan. The course tested the students’ legal competency through short quizzes, preparation of case summaries, and graded group workshops.
UP:C paralegal Director Atty. Elizabeth Pulumbarot praised SHFC for recording a passing rate of 100 percent, the highest ever since the start of UP paralegal training in 2013
The top scorers-joseph Eisma and James Naquita (Pop Quiz 1), Will Peran (Pop quiz 2), and Engr. Elsa Juliana Calimlim ( Pop Quiz 3) – were recognizing on graduation day in October 25. Also awarded as best speakers in the group presentations were Eisma Naquita, Junard Amba, Philip Robert Flores, Florencio Carandang, Jr., Janet Lumayag, and Engr. Randolph Libranon.
Human resources OIC-Vice President Jessica Caraso, Who was elected as class president, was pleased with what they have acheived. “I am really proud of the accomplishment. I’ve never seen everybody worked that hard,” she said “We are now empowered paralegals.”
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DEL ROSARIO WANTS TYPHOON, EARTHQUAKE RESISTANT HOUSING FOR HOMELESS PINOYS
By ROGER M. BALANZA
The Philippines’ housing czar wants no less than strong and resilient houses that can withstand typhoons and earthquakes for the country’s homeless poor as the administration of President Rodrigo Duterte vigorously pursues its socialized housing program.
Secretary Eduardo del Rosario, chairman of the Department of Human Settlements and Urban Development (DHSUD) said recent calamities have placed people’s lives in danger due to poor housing that are helpless against typhoons and earthquakes.
“With the advent of calamities like the earthquake in Batanes and just recently in Mindanao where around 30,000 families were affected…there is need to focus on the importance of comprehensive plans to avoid or lessen the adverse impact to lives and properties from numerous typhoons, flash floods and landslides, among others,” said Del Rosario in his keynote speech at the 28th National Convention of the Philippine Institute of Environmental Planners (PIEP) held on November 7 to 9 at the Philippine Convention Center in Pasay. The convention aimed at updating the participants on the latest laws, issuances, best practices, and planning trends in the profession.
“DHSUD will push for the construction of socialized housing units that can withstand 250kph winds and a 7.2 magnitude earthquake, ” Del Rosario vowed.
The government’s socialized housing program is implemented by the Social Housing Finance Corporation (SHFC), a key shelter agency under the DHSUD, headed by its president Atty. Arnolfo Ricardo Cabling.
In his speech, Del Rosario said that environmental planners and the PIEP “are indispensable in the overall strategy that DHSUD envisions.”
Del Rosario also discussed the crucial role that DHSUD will play in the management of urbanization so that the country can reap urbanization benefits that would help in forging smart, safe, resilient, and sustainable cities and communities, one of the main goals of urban or environmental planning.
SHFC has strengthened its roster of environmental planners and has a loaded bench of six licensed environmental planners mapping up strategies and programs of the agency’s urban housing to ensure delivery of affordable shelter to the homeless poor in the urban centers.
The SHFC sent its environmental planners to attend the conventions, among them SHFC Executive Vice President Atty. Jenefe Payot, OIC-Vice President for Special Projects Atty. Tristan Frederick Tresvalles, and Account Specialists Mr. Junard Amba and Mr. Milkyzedeck Bien, who all passed the environmental planners licensure exam in June. The agency now has a total of six licensed environmental planners, including Vice President for Engineering Engr. Elsa Calimlim and OIC-Manager for Central Luzon Operations Engr. John Lee.
According to Atty. Payot, who placed third in the June 2019 board exams for environmental planners, the three-day convention helped him in understanding the challenges of urbanization in the Philippines, particularly the central role of affordable housing to ensure inclusive urban development.
“From a social justice or rights discourse view, we need to ensure that everyone has access to adequate housing. By adequate, we mean housing that gives families—especially low-income earners — access to socio-economic as well as cultural and educational opportunities that are concentrated in our cities,” he explained.
Atty. Payot expressed confidence that shelter agencies like DHSUD and SHFC are now prepared for the important roles that they will play in urban development given the growing number of environmental or urban planners among their personnel, including those at the highest levels such as Assistant Secretary Melissa Aradanas and Directors Myles Rivera and Jeanette Cruz of the DHSUD.
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SHFC IS ISO-CERTIFIED
Accredited ISO-certifying body SOCOTEC Registrars Philippines, Inc. (Formerly AJA Registrars. Inc.) has recommended the re-certification of the Social Housing Finance Corporation (SHFC) ISO9001:2015 standards after successfully completing its audit of the agency’s head office in 2019.
The SHFC, headed by its President Atty. Arnolfo Ricardo Cabling, is the agency implementing the government’s social housing program. Based in Makati City,. SHFC is one of key housing agencies of the Department of Human Settlements and Urban Development (DHSUD) chaired by Secretary Eduardo del Rosario.
SHFC first received certification for ISO 9001:2008 in 2006, with a record-breaking feat of only less than six months preparatory work. It transitioned to the 2015 version two years after.
The SOCOTEC audit was conducted to assess SHFC’s conformity to international quality standards in its core processes and its Quality Management System (QMS), following the issuance of its 9001:2015 certification in 2018.
SHFC’s ISO Core team headed by its Quality Management Representative (QMR Ernesto Leynes, vice president of the Treasury Department, together with managers and select personnel trained in ISO 9001:2015 standards and internal quality audit, ensured cooperation among all head office employees in the audit process.
In its audit report, SOCOTEC commended the corporation’s organized documentation and well-maintained facilities. It also lauded the Procurement Division and the Loan Administration Operations for their excellent record keeping as well as the staff’s deep familiarity with SHFC’s operational processes.
Only two minor non-conformities (NC), one observation, and eight opportunities for improvement (OFIs) were cited. SHFC is required to submit their corrective action on the NCs within 30 days after the audit.
During the audit’s closing meeting Deputy QMR and Planning and Policy OIC-Vice President Florencio Carandang, Jr. welcomed these findings and saw them as a challenge to SHFC. “It’s good ( to be reminded of these lapses ) to emphasize the need of the management to address them, ” he said.
The recommendation coincided with the last day in office of Leynes, who retired after 13 years of service in SHFC. “With all sincerity, I would like to thank everyone at the corporation who I have worked with,” said Leynes, who is considered as one of the pillars of the agency.
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PAYOT: Adequate housing is a right
Social Housing Finance Corporation (SHFC) Executive VIce President Atty. Junefe said that adequate housing is a right that should be available to all homeless Filipinos.
The government responds to give the needed muscle to this right through the SHFC which implements socialized housing programs that ensure the formation of inclusive, safe, resilient and sustainable cities and human settlements for the homeless poor, said Atty. Payo
SHFC, headed by its president, Atty. Arnolfo Ricardo Cabling, implements the government’s social housing program. It is one of the key shelter agencies under the Department of Human Settlements and Urban Development (DHSUD) headed by Secretary Eduardo del Rosario.
Atty. Payot said that housing should be at the center of any development because it impacts on economic development, employment generation, poverty reduction, and climate change adaptation.
The SHFC officer made this point in his speech at a forum dubbed “Slum Upgraded: An Opportunity Towards The Success Of The Sustainable Development Goals.”
The forum that also featured UN-Habitat Philippine Country Manager Chrostopher Rollo and HLURB Housing and Homesite Regulation Officer Emma Ulep, was part of the Tahanan Summit series, a joint initiative of UN_habitat, Technical Assistance movement for people and Environment, Inc., Global Land Tool Network, and Homeless People’s Federation Philippines, Inc.
In the forum held in October 18 last year at the College of Architecture of the University of the Philippines in Diliman, Quezon City, Atty. Payot discussed homelessness in the country and how SHFC contributes to the achievement of developing sustainable cities and communities. The SHFC implements its social housing program through the Community Mortgage Program (CMP) that grants long-term, low-interest housing loans to the homeless through their organized homeowners associations.
“For the longest time, we have been providing housing support through CMP. We make sure that projects are affordable to the communities through highly subsidized rates and long payment terms,” Atty. Payot said.
Atty. Payot adds that on top if its flexibility and affordability, the CMP provides additional assistance for families who are unable to afford the mortgage. “Usually their is around 20 to 30 percent in a community who cannot afford our program.”
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DBM OKAYS P155-M FOR SHFC MARAWI REHAB SOCIAL HOUSING
Approves P3.56-B 2020 budget to rebuild Marawi
The Department of Budget (DBM) has approved a PHP155.7 million fund for the Social Housing Finance Corporation (SHFC) for the key shelter agency’s shelter program for Marawi City residents who lost their homes in the terrorist attack on the country’s Muslim city in 2017.
The fund is embedded in the 2020 budget approved by DBM for the Marawi rehabilitation project amounting to PH3.56-billion, Task Force Bangon Marawi (TFBM) chairperson del Rosario said on Thursday, May 22.
SHFC, headed by its president Arnolfo Ricardo Cabling, is the agency implementing the government’s socialized housing program for the country’s low-income, homeless poor and those displaced by calamities and living in risk areas.
SFHC is one of key housing agencies under the Department of Human Settlements and Urban Development (DHSID) which is also chaired by del Rosario.
Del Rosario said the DBM has also provided Special Allotment Release Order (SARO) to the task force’s implementing agencies.
“This serves as a huge boost for implementing agencies as they now have the funds needed to complete their respective projects aimed at rebuilding Marawi following the May 2017 siege perpetrated by the Maute terrorist group,” he said in a statement.
The various implementing agencies under the TFBM, he said, can now focus on their timelines and carry out measures to hasten their projects intended for the rehabilitation of Marawi.
The PHP155.7 million fund, he said, is allocated for the Marawi Permanent Shelter Program of the SHFC.
A fund of PHP1.91 billion will be given to the National Housing Authority (NHA) for the continuation of the temporary and permanent housing programs in Marawi City.
The Marawi City government, del Rosario added, will receive PHP558.2 million to spearhead the construction of several public facilities and infrastructures inside the most affected area (MAA) or the ground zero.
These include the Marawi Museum, the Grand Padian Central Market, and the construction of health center and madrasah each for the 24 barangays inside the MAA.
The TFBM has allocated PHP91.3 million for improving the productivity of farmers and fisherfolks in the war-torn city, he said.
Through the Bangsamoro Autonomous Region of Muslim Mindanao-Ministry of Agricultural Fisheries and Agrarian Reform, del Rosario said Marawi farmers and fisherfolk will be provided of agricultural services from the regional government — which include Islamic Microfinance, dispersal of livestock poultries, the establishment of multiplier farms such as goat and native chicken as well as providing market posts for the farmers and fisherfolk.
The TFBM has allocated PHP766.5 million to the Local Water Utilities Administration (LUWA) to ensure potable water supply inside the MAA.
“The Department of Public Works and Highways had been earmarked PHP80.2 million intended for road repair and reconstruction works in Marawi, while the Department of Education had been allocated PHP3.3 million for the distribution of learning kits,” he said.
The task force has also allocated a budget amounting to PHP20.9 million, he said, for the construction of a 1,500-linear-meter fence across the Mindanao State University, “which can further protect students against potential security threats.”
“PHP48.5 million for the Department of the Interior and Local Government, through the Philippine National Police, (is) intended for the construction of a tourist police building and a maritime building in Marawi,” he said.
The construction works and other infrastructure projects, he said, will resume by July 2020.
Del Rosario said the TFBM and its member agencies “are prepared to exhaust all means in meeting their respective timelines for project completion” amid the coronavirus pandemic.
The TFBM was created under the administrative order No. 3 issued by President Rodrigo Duterte on June 28, 2017, to ensure collaboration and convergence among national agencies and the local government units. TFBM facilitates the rehabilitation, recovery and reconstruction efforts in Marawi.
It also seeks to help displaced families to recover from the tragedy brought by the Marawi siege in May 2017. (With PNA report)
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SHFC imposes budget cuts in support of fight vs. COVID-19
The Social Housing Finance Corporation (SHFC), the housing agency implementing the government’s social housing program, has imposed an austerity measure through budget cuts in its operation for 2020, with the country saddled with huge expense in the fight against the spread of the deadly Coronavirus Disease 2019 (COVID-19).
SHFC president Arnolfo Ricardo Cabling said the agency cancelled various activities lined up for the year after the Department of Budget and Management (DBM) issued National Budget Circular (NBC) No. 180 urging all departments and agencies to adopt austerity measures amid the COVID-19 crisis.
In compliance with the circular, Department of Human Settlements and Urban Development (DHSUD) Secretary del Rosario ordered its Key Shelter Agencies (KSA) to adopt austerity measures.
The KSA under DHSUD are the National Housing Authority (NHA), the Home Development Mutual Fund or PagIBIG Fund, the National Home Mortgage Finance Corp. and SHFC.
“As one with the national government in the fight against COVID-19, we should find ways on how to provide much-needed funds in anticipation of the long-term effects of the pandemic,” Sec. Del Rosario said.“The government needs to sustain its efforts to assist our countrymen cope up with the adverse effects of the community quarantine and finally defeat the COVID-19.”
Sec. Del Rosario said, however, that the belt tightening measures should not adversely affect the delivery of vital services of the DHSUD.
State-owned SHFC is the implementor of the government’s socialized housing program carried out by its flagship project Community Mortgage Program (CMP) through long-term, low-interest housing loans extended to organized Home Owners Associations (HOAs) of hundreds of thousands of homeless Filipinos.
In his letter dated April 22, 2020 to Finance Secretary Carlos Dominguez, Cabling said “SHFC is committed to support all measures/efforts within its capacity to help fight” COVID-19 and its impact on the housing needs of low-income Filipinos.
“Consistent with the provisions of R. A. 1469, also known as Bayanihan To Heal as One Act of 2020 and
the Government Commission for Government-Owned and Controlled Corporations (GCG) Memorandum Order No. 2020-04, the Social Housing Finance Corporation (SHFC) is directed to assess its operation for year and identify Programs, Activities, and Projects (P/A/Ps) which have been adversely affected by COVID-19 and may be discontinued, ” said Cabling.
“These enumerated P/A/Ps with an aggregate fund of Twenty One Milllion One Hundred Nineteen Thousand One Hundred Fifteen Pesos (P21,119.15) from the Corporate Operating Budget are identified by the management to be discontinued. The same was presented to the Governance Policy and Nomination Committee to the Board and approved to be discontinued.”
Cabling assured that the budget cuts will not hamper its mission to provide shelter to homeless Filipinos.In the letter, he said that the austerity measure “will not preclude us from fulfilling our mandate to provide shelter solutions to low income families who are also the most vulnerable in this pandemic.”
“As COVID-19 continues to affect our lives, the poor communities are the most vulnerable. The SHFC is committed to support all measures/efforts within its capacity to help fight this challenge. Rest assured that the current odds will not preclude us from fulfilling our mandate to provide shelter solutions to low income families who are also the most vulnerable in this pandemic, ” Cabling assured.
Other than the belt-tightening budget cuts, SHFC also also declared a three-month moratorium onhousing loan amortizations after President Rodrigo Duterte declared an Emergency Community Quarantine (ECQ) on March 17.
The moratorium, involving an estimated P31 billion, would benefit more than 5.5 million member- beneficiaries of the SHFC and the other DHSUD Key Shelter Agencies (KSA).
Social Housing Finance Corporation (SHFC)
Consultant: ROGELIO M. BALANZA
ACCOMPLISHMENT REPORT
Month of MARCH 2020
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SHFC: Three-month suspension of socialized housing loan amortizations amid Covid-19 crisis
The Social Housing Finance Corporation (SHFC) has announced a three-month moratorium on monthly amortizations of its socialized housing loan borrowers amid the economic impact on the borrowers of the novel coronavirus 2019 (Covid-19).
The moratorium will be effective from March 16 to June 15, said Atty. Arnolfo Ricardo Cabling, president of the government key shelter agency implementing the socialized housing program of the administration of President Rodrigo Duterte.
This developed as the Department of Human Settlements and Urban Development (DHSUD) on Friday suspended the collection of monthly loan amortization to its more than 5 million key shelter agencies (KSAs) members amid the implementation of the enhanced community quarantine over Luzon and other provinces to contain the spread of the coronavirus disease.
The KSAs, under the umbrella of DHSUD, include the Social Housing Finance Corporation., Home Development Mutual Fund (Pag-IBIG) and the National Home Mortgage Finance Corporation.
DHSUD Secretary Eduardo Del Rosario said a total of 5,225,783 KSA members and beneficiaries will benefit from the three-month moratorium.
The government’s housing czar said the DHSUD allowed a three-month moratorium to its KSAs members and beneficiaries so that “they will be able to comply with the quarantine guidelines imposed by the government.”
He said the suspension of monthly payment will “ help ease the burden of the payees” amid the Covid-19 crisis.
“By offering the moratorium, member-beneficiaries of our KSAs won’t have to worry about their monthly amortizations anymore in the next three months amid the COVID-19 scare,” he said. The moratorium period is effective from March 16 until June 15.
“This is DHSUD’s initiative in support of President Duterte’s all-out efforts to assist our kababayans amid these challenging times,” he added.
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SHFC MULLS SKELETAL FORCE VS. COVID-19
e Social Housing Corporation (SHFC) plans to deploy a lean force in its headquarters in Makati City and regional offices in observance of the social distancing policy under the Expanded Community Quarantine ordered by President Rodrigo Duterte to prevent spread of the corona virus 2019 (Covid-19).
Atty. Arnolfo Cabling, president of the state-owned agency implementing the government’s socialized housing program, advised their clients, when the plan is implemented, to postpone transactions with the agency at a later date. Cabling said the plan is still being studied. adding an official announcement would be made when the plan is set into motion
Under the plan in observance of the Social Distancing rule, our employees would work only for a day, with four days of the week, working at home, said Cabling in a statement.
President Duterte has issued an executive order allowing government departments and agencies to adopt work schedules for workers as health authorities fight the spread of the deadly disease that has already claimed, as of March 17, fourteen lives and infected 187 others.
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MARAWI CITY REHAB CZAR DEL ROSARIO GIVEN MORE TEETH
President Rodrigo Duterte has designated Marawi City rehabilitation czar Eduardo del Rosario as point person who will handle funds and work directly with the Department of Budget and Management (DBM) to speed up reconstruction efforts.
MARAWI REHAB. President Rodrigo Roa Duterte chats with Senator Christopher “Bong” Go during a meeting to discuss updates on the Marawi Rehabilitation efforts at the Malacañan Palace on Wednesday (March 4, 2020). The Senator held a Senate committee hearing and reported various issues from stakeholders to the President. (Presidential photo by Alfred Frias)
Duterte made the decision during a meeting in Malacañan Palace facilitated by Senator Christopher ‘Bong’ Go in response to Marawi City residents’ concerns about the ongoing rehabilitation of their city left in ruins by a five-month war between government troops and terrorist Maute group in 2017.
“Hindi istilo ni Pangulong Rodrigo Duterte na mag-iwan ng proyektong nakatiwangwang. Hindi kami papayag ng Pangulo na mangyari ito. (It’s not the style of President Duterte to leave unfinished projects. We will not allow it to happen),” Go told the representatives of the Marawi residents at the public hearing that the Senate Special Committee on Marawi City Rehabilitation held in Iligan City on February 21.
“Ako, bilang malapit sa Pangulo, kaya po ako narito, gusto ko po na maging tulay kami ninyo kay Pangulo. Kung may reklamo kayo, may gusto pa kayong iparating sa Pangulo, iparating ninyo na po kaagad ngayon (As ally of the President, the reason why we are here as your bridge to the President. If you have complaints and have something you want to express to the President, say it now),” he added.
Go said the Malacañang meeting on Wednesday was the fulfillment of his promise that he will set a meeting between Duterte and the stakeholders and relevant government agencies for the President to directly hear the various concerns of internally displaced persons (IDPs).
During the Palace meeting, Duterte emphasized deadlines and the importance of minimizing delays as he instructed the DBM to expedite the release of funds for the rehabilitation process.
Duterte said he will personally contribute to the reconstruction of the Grand Marawi Mosque and will visit Marawi City soon.
Go also informed Duterte about the desire of the IDPs to leave the temporary shelters and return to their respective homes.
“Gusto nilang marinig ang assurance ng ating Pangulo kasi hindi sila nakakabalik sa kanilang tirahan at wala silang ibang pinapaniwalaan kundi ang salita niyo po na makakabalik sila sa kanilang lupa at mga bahay (They want to hear assurance of our President because they cannot return to their homes and they will only listen to your words that they can go back to their respective places and homes),” Go said during the meeting with the President.
In response, Duterte assured the residents of the most affected area that they can visit their houses but military installations will remain to ensure the safety of the area.
“What happened to Marawi was a tragedy to this nation and so, in the aftermath, we will do everything to correct the so many wrongs and injustices committed against the Moros, not only in Marawi and Lanao but everywhere in Mindanao,” Duterte said.
Senators Ronald “Bato” dela Rosa, Imee Marcos and Francis Tolentino, the other members of the Senate Special Committee, also attended the meeting at the Heroes Hall in Malacañang.
Previously, the President made a pledge to complete reconstruction works in Marawi City before he steps down in 2022. During the meeting, he vowed to monitor the ongoing improvements and rehabilitation work.
Prior to the Ilagan City public hearing, Go visited Marawi City for an ocular inspection of the rehabilitation efforts of the government. He also witnessed the opening of the 64th Malasakit Center in the country in Amai Pakpak Medical Center.
“Magtulungan po tayo. Bilang isang Mindanaoan, ako mismo ay gagawin ang lahat ng maaari kong maiambag, lalo na sa mga bagay na may kinalaman sa kalusugan (Let us help each other. As Mindanaoan, I will do what I can do to help especially on the health issues),” Go said, adding the new Malasakit Center will provide quick, quality and reliable medical services to Filipinos.
He assured his audience that the Duterte administration will not allow unfinished projects nor see people blaming each other for shortcomings.
Two years after the Marawi siege, Go said people, most especially the President, are now looking for concrete outputs that should be fruits of the assistance given by the government and donations from the international community to build a new and better Marawi City for its people.
“The President has two years left in Malacañan. We want to know how the rehabilitation can be completed. We don’t want the responsible officials to be negligent now and then put the blame on the President later on when his term ends,” Go said.
The May 2017 Marawi siege displaced around 40,000 households, according to official government figures.
The actual rehabilitation works started in September 2018 by clearing the city of unexploded bombs and debris. The task force reported that the city is now 99 percent cleared of explosives.
The second phase of the rehabilitation effort involves the construction of structures and buildings in the city through the help of 56 government agencies working together for the actual rehabilitation.
Meanwhile, Go and other Senators have filed a bill entitled “Marawi Siege Compensation Act of 2020,” which seeks to provide tax-free compensations for all property owners whose properties were damaged by the Marawi Siege in 2017.
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NORTHERN SAMAR officials back SHFC socialized housing for low-income earners
In an effort to help more families realize their dreams of owning a house, Governor Edwin Marino Ongchuan led other officials of the Province of Northern Samar in pushing for the promotion of a socialized housing program for low-income earners, during a forum at the Governor’s Residence in Catarman, on Feb. 28.
The forum was attended by Gov. Ongchuan and other provincial government officials, Congressman Paul R. Daza, municipal mayors, barangay captains, national government agency heads and representatives, and the private media.
Participants in the forum collectively vowed to support the need for a socialized housing in the province considering the growing number of people living in danger zones who needs to be relocated wherein majority belongs to the marginalized sector.
In the forum, Social Housing Finance Corporation (SHFC) President Atty. Arnolfo Cabling presented the corporations’ socialize program as well as their mandates and services to the provincial and local chief executives who were present during the forum.
Cabling said SHFC is the lead government agency mandated to undertake socialized housing for low-income families who aspire to have their own homes.
In their Community Mortgage Program, Cabling said this is a people-led housing finance and community development program intended to assist legally organized associations of low-income groups to acquire and develop a tract of land and houses under the concept of community ownership.
“One of the requirements for the approval of the loan is the lot plan with technical descriptions of the proposed site, duly signed by a licensed geodetic engineer to ensure the place is disaster resilient,” he said.
The agency offers a full package consists of a loan for lot acquisition, site development, and house construction with interest rate as low as 2 percent, he added. (ldl/tbc/PIA-Northern Samar)
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SHFC CMP BALAI BONDS TO EXPAND GOVT SOCIALIZED HOUSING PROGRAMS
Social Housing Finance Corporation (SHFC), the lead government agency mandated to undertake socialized housing for low-income families, is securitizing its mortgage portfolio to generate additional funding for the implementation of its flagship initiative, the Community Mortgage Program (CMP). The undertaking will also give property developers more options to comply with the mandatory 15 percent balanced housing requirement.
The ceremonial signing of the CMP BALAI Bonds is attended by (seated, from left): Land Bank First Vice President Gonzalo Bongolan, Land Bank Executive Vice President Carel Halog, DHSUD Asec. Leira Buan, PwC-Isla Lipana Executive Director Cheryl de Guzman, NHMFC President Felixberto Bustos, Jr., SHFC President Atty. Arnolfo Ricardo Cabling, and SHFC Executive Vice President Atty. Junefe Payot.
SHFC President Atty. Arnolfo Ricardo Cabling led the signing of agreements with partner-agencies for the upcoming issuance of the CMP BALAI Bonds in a ceremony held in Makati City on February 20. The event was attended by SHFC Executive Vice President Atty. Junefe Payot, SHFC Securitization and Funds Generation OIC-Manager Atty. Ann Margarette Vista, and Department of Human Settlements and Urban Development (DHSUD) Asec. Leira Buan. Also present were National Home Mortgage Finance Corporation (NHMFC) President Felixberto Bustos, Jr., Land Bank of the Philippines Treasury and Investment Banking Sector Executive Vice President Carel Halog, and PwC-Isla Lipana & Co. Executive Director Cheryl de Guzman.
In offering the bonds, SHFC will play the role of an issuer. Under the deals, PwC-Isla Lipana & Co. will serve as the portfolio auditor, while Puyat Jacinto & Santos and the Development Bank of the Philippines will function as the transaction counsel and tax advisor, and special purpose trust, respectively. The Philippine National Bank will act as the trustee, registrar, and paying agent, while the Philippine Rating Services Corporation will be the rating agency.
The ceremony came after SHFC signed a memorandum of agreement with the Land Bank of the Philippines and NHMFC in May 2019 to be the CMP BALAI Bonds sole arranger, and advisor and program manager, respectively.
Based on the project roadmap, SHFC is targeting to issue the bonds in August, coinciding with the 32nd anniversary of the CMP. The program, wherein organized communities can avail to purchase the land they occupy or would like to relocate to, has benefited more than 350,000 families through over P16 billion in loan assistance since its inception.
Social Housing Finance Corporation (SHFC)
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ACCOMPLISHMENT REPORT
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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 OVERVIEW AND OBJECTIVES
CMP is a people-led housing finance and community development program implemented by the Social Housing Finance Corporation (SHFC) which assists legally
organized associations of low-income groups to acquire and develop a tract of land under the concept of community ownership.
The primary objective of the program is to assist residents of blighted or depressed areas to own the lots they occupy, or where they choose to relocate to, and
eventually create sustainable and resilient communities in coordination with the local government units. CMP shall be implemented in various Flexible, Affordable,
Innovative, and Responsive (FAIR) shetter solutions.
Below is a schedule of how much a prospective member-beneficiary can borrow from CMP:
· For onsite P400,000.00
· For horizontal housing P480,000.00 up to P580,000.00
· For vertical housing P600,000.00 up to P750,000.00
· For farmlot P350,000 + P50,000 Farmer Support Assistance
The loan may be used for land acquisition (Phase 1), site development (Phase 2), and house construction or home improvement (Phase 3)
The determination of final loan amount shall be subject to existing CMP guidelines. The CMP loan will bear 6% interest per year based on the outstanding balance and
will be payable over a maximum period of 25 years in equal monthly amortizations.
DUE DILIGENCE
The processing of CMP loan applications will essentially involve due diligence verification by SHFC on the CMP loan application and the collateral. Upon acceptance of
complete documentary requirements, SHFC shall strive to devote no more than one hundred twenty (120) working days to complete the due diligence process from CMP loan application to loan release.
CMP RESETTLEMENT MODALITIES
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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SHFC: Doubters no more
FUTURE WITH OWN HOUSE
Owning a house felt like a distant dream for Von Edward Marquez and his wife, Ann, partner-homeowners from Policarpio Ville HOAI of San Jose del Monte, Bulacan. But they were determined to turn it into reality for the future of their child and that dream finally came true on October 9, 2019, when they received their transfer certificate of title (TCT) from SHFC.
Ann vividly recalled the struggle of renting while starting their family back in 2016. “Dati sa Quezon City po kami nakatira. Kakakasal lang po namin noon at nangungupahan lang kami,” she shared. Edward echoed the sentiment, noting that they spent P4,500 per month for a small apartment. “Grabe po ang hirap. Imbes na ipunin namin para sa anak namin ‘yung binabayad namin, sa renta lang napupunta ‘yung pera.”
It was in that same year when the young couple found out about CMP. After the local government and original landowners decided that the lot is best suited for CMP due to the existing presence of informal settler families, those who were living within one kilometer from the project reached out, including Edward and Ann,
“Sa totoo lang po, noong nabanggit sa amin ang CMP, medyo nag-doubt kami pero ang sabi namin, wala namang masama kung susubukan mo ‘di ba?” Ann asked. Given the soaring prices of land nowadays, the mother of two feels extremely lucky that they are only paying about P300 a month for their lot in Barangay Mulawin.
Edward, out of gratitude, could not help but recognize the extra effort, concern, and passion shown by SHFC employees in dealing with them. “Salamat sa malasakit ng Social Housing at nakita namin na talagang tutok sila sa mga beneficiaries, talagang pinagpuyatan nila, at dugot pawis ang inalay nila para maisakatuparan ‘yung mga pangarap ng mga nagtitiwala sa kanila,” he said.
The Marquez family gladly built not only their first home in Policarpio Ville HOAI but also the foundation and future of their family. “Sobrang saya po at nagpapasalamat kami kay Lord kasi sa murang edad namin, nagkaroon kami ng investment na magagamit din ng anak namin sa future,” Ann said.
Aside from Edward and Ann, 18 other partner-homeowners received their TCT that day in a ceremony led by SHFC Central Luzon Branch. Mobilized by the local government of San Jose del Monte, Policarpio Ville HOAI is composed of 83 members and is currently headed by Victoria Fernandez.
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SHFC – ANSWERED PRAYER: LAGUNA MOM GETS OWN LAND THROUGH GOD’S GRACE
The moment Ma. Cristina Tabilog of Sto. Niño Nurpa HOAI got hold of her own TCT on October 25 in San Pablo, Laguna, she immediately pointed to the sky and whispered a silent prayer of thanks. “Napatunayan ko po talaga na sapat at mabuti ang Diyos sa buhay ng mga taong nagtitiwala sa kanya,” she said, with emotions effusing from her voice.
It’s normal for mothers to take risks for the betterment of their family. Cristy, as she is fondly called, still remembers the time when they made a gamble in 2006, when her family left their rented apartment in Bicol in search of a better life in Laguna. “Noong lumipat kami dito, walang-wala talaga kami,” she shared. “Ang dala lang talaga namin ay kapirasong damit, isang kaldero, at isang kalan.” But with her and her husband’s hard work and a strong belief in God, their family is now blessed with a small sari-sari store and a buko-pie business, which are their primary source of income that supports their daily needs and pays their bills, including their monthly amortization with SHFC.
According to Cristy, she did not think twice to grab the opportunity to own a piece of land in Barangay Sto. Niño under CMP. Like any doting mother, she always wanted the best for her five children. “Iniisip ko po kasi ‘yung mga anak ko. Wala akong maipapamana sa kanila, kaya kaming mag-asawa nagsikap talaga na magkaroon kami ng sariling bahay,” she said. “Kasi sa lugar na pinanggalingan namin, wala rin kaming sariling bahay.”
Evidently, Cristy’s strong faith in God and perseverance has put the former bakery attendant to achieve what she has right now-a supportive family, a booming business, and her own land title. And this made her lost for words. “Masayang masaya po ako talaga ngayong araw na ito,” said the 43-year-old, who shared that she marked her calendar at home to remind her of this day. “Lahat ng meron ako ngayon ay inaalay ko sa Diyos.”
Cristy was one of the 19 partner-homeowners who received their respective TCT from SHFC in a ceremony led by South Luzon Area Manager Julita Parreño. Sto. Niño Nurpa is composed of 192 members and was mobilized by Tulong at Silungan ng Masa Foundation, Inc.
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SHFC – Excitement and sense of ownership after 25 years
WITH TITLE ON HAND, PAMPANGA BUDDIES SEE MORE SUNNY DAYS AHEAD
The sun in the municipality of Magalang in Pampanga was as bright as ever on the morning of September 16, 2019. It carried a radiance of promise, just like the aura of excitement that was building up on the faces of Joseph David and Ariel Layug as they eagerly waited for their names to be called on stage to get their respective transfer certificate of title from SHFC.
For the best buddies, nothing could quite top off more than two decades of diligently paying their respective monthly amortization than the satisfaction and sense of ownership in finally receiving their land titles. “Masayang-masaya ako kasi pagkatapos ng matagal na panahon, nakamit din namin ito,” said Joseph, who drives trucks for a living. “Twenty-five years namin itong binuno. Nagkaproblema pa nga kami noon sa unang presidente namin, buti na lang naayos na ang lahat ngayon.”
His sentiment was shared by Ariel, who could not contain his joy over the moment. “Syempre masaya, sino ba naman ang hindi matutuwa na may sariling titulo ka na,” said the 45-year-old, who serves as one of the association’s board of directors. “Sa haba ng panahon ng paghihintay, natapos din. Kaya salamat sa Social Housing.”
Joseph and Ariel are particularly blissful that they and the other community members can now finally call themselves house and lot owners. They feel fortunate that they will not experience the difficulty of renting a house again. “Mahirap kasi talaga ang nangungupahan kasi pag nagbayad ka, kinabukasan may utang ka na ulit,” Ariel pointed out. “Eh dito (sa programa ng SHFC), kada bayad namin pagdating ng araw sa amin na ang lupa.”
Joseph could not agree more with his friend. “Maswerte kami kasi sa panahon ngayon murang-mura na talaga ito,” he said of their P110-monthly amortization. “Mas maganda kung magkakaroon pa ng ganitong programa ang SHFC para mas madami pang taga-rito ang magkabahay.”
The best buddies are two of the 22 partner-homeowners of St. Francis HOAI who received their respective title from SHFC in a ceremony led by the Central Luzon Branch at the covered court of San Francisco Elementary School. As the awarding came to a close, the sunlight shone upon Joseph and Ariel as they walked out of the venue and enjoyed the morning’s fresh air, carrying with them promise of sunny days ahead.
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SOCIAL HOUSING FINANCE CORPORATION
Mandate
The SHFC shall be the lead government agency to undertake social housing programs that will cater to the formal and informal sectors in the low-income bracket.
Our Vision
SHFC shall provide 530,000 organized homeless and low-income families with Flexible, Affordable, Innovative, and Responsive (FAIR) shelter solutions to their housing needs.
Our Mission
We empower and uplift the living conditions of underprivileged communities by Building Adequate Livable Affordable and Inclusive (BALAI) Filipino Communities
through provision of FAIR shelter solutions in strong partnerships with the national and local government, as well as the civil society organizations and the private
sector to support the underprivileged communities.
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DURIAN POST BUSINESS & NEWS DIRECTORY 