Category Archives: URBAN POOR


Davao Oriental’s housing program will  benefit more than 700 homeless residents with the signing of a lease agreement between the residents, the Social Housing Finance Corporation (SHFC) and the owner of a 15.6-hectare property.  .

shfc davor
HOUSING PROJECT. Chermaine Morante, mortgage examiner of Socialized Housing Finance Corporation (SHFC) explains to the beneficiaries the terms and conditions contained in the lease agreement the parties signed on Thursday (Oct. 17, 2019). At least 746 beneficiaries, belonging to the Mandaya Muslim Bisaya Homeowners Association, signed the document at the Capitol covered court. (Photo courtesy of Davao Oriental PIO)
Provincial Information Officer Karen Lou Deloso said the 746 beneficiaries signed on October 17, the lease agreement with the SHFC funding the land acquisition under  its Community Mortgage Program (CMP) .
SHFC, the agency tasked with implementing the government’s socialized housing program for the homeless,  is headed by president Arnolfo Ricardo Cabling, a lawyer and former member of the Davao City Council.
The lease agreement between SHFC and members of the Mandaya Muslim Bisaya Homeowners Association covers the 15.6-hectare land in Sitio Magay, Barangay Don Martin Marundan, Mati City, where the housing project will rise.
“Prior to the signing, officers from the SHFC explained to the beneficiaries the contents of the agreement,” Deloso said.
Under the agreement, each beneficiary shall pay the monthly rental of PHP369.42 per month, payable for 25 years.
Flordeliza Tabanao, Provincial Housing Coordinator, said that following the signing of the agreement, the SHFC will pay the landowner so that the site development and project construction can begin.
Tabanao said that the provincial government hopes to start the construction next year after meeting all requirements.
Mati City Mayor Michelle Rabat said the project is “a welcome development to address the housing backlog in the city.” (PNA)



From “home along da riles” to subdivision living

By the Daily Tribune


This is what the Duterte administration, through the Social Housing Finance Corp. (SHFC), is offering to some 12,000 families living along railways from Manila to Laguna.

SHFC finds land to develop subdivision-like communities in Tanza, Cavite

Atty. Arnolfo Ricardo Cabling, SHFC president, told Daily Tribune that the agency was tapped by the Department of Transportation (DoTr) as partner in relocating informal settler families (ISF) living along the Philippine National Railway’s (PNR) Tutuban-Calamba route.

Cabling said SHFC already found the land to develop subdivision-like communities in Tanza, Cavite acquired for the ISF who will be affected by the PNR project.
He stressed that the effort to relocate the 11,000 to 12,000 families is a whole-of-government program, citing the SHFC was able to acquire the land in Tanza from the Bangko Sentral ng Pilipinas (BSP).

Comfortable life

“Here, we see the various government agencies working together to provide better living conditions to the affected ISF,” Cabling said.
“On our part, the SHFC was tapped by the DoTr because of our past experiences in building communities for victims of typhoon ‘Ondoy.’ The DoTr is engaging our partnership to relocate those living along the Tutuban-Calamba route,” he added.
Cabling said the SHFC has already paid 20 percent of the total cost of the Tanza property to BSP two weeks ago.
“They (DoTr) had downloaded money to us. We are already starting it,” he said.
SHFC model horizontal homes have a 24-square meter floor area with provisions for a loft and cost only P580,000. The loan is subject to only six percent annual interest, payable up to 25 years.
Families engaged
Cabling said coordination with the Japan International Cooperation Agency, which is funding the Tutuban-Calamba section of the project, has started.
He said the SHFC had organized the affected ISF down to the barangay level to engage the families from the planning stage up.
The official explained that it has been the practice of SHFC to involve the ISF themselves in all stages of the relocation project.
“We are not only building homes. SHFC is building communities — resilient and sustainable communities. We have a livelihood component,” Cabling said.
“We engage them (ISF) from the very beginning. We plan together as a group. So, they have a voice in undertaking the project,” he added.

Old PNR line revived

As part of the Duterte administration’s “Build, Build, Build” program, the DoTr is reviving the PNR via the P777 billion North-South Commuter Railway Systems, one of the big-ticket projects of the current government.
The project is composed of 36 stations traversing various cities and municipalities in Central Luzon, Metro Manila and Calabarzon.
Cabling said the National Housing Authority was tapped to take care of the affected ISF along the north line from Manila to Clark in Pampanga.
In the 1990s, a sitcom entitled “Home Along da Riles,” bannered by the late comedy king Dolphy, was a hit, depicting the daily routine of residents living beside railways, including jolts to their makeshift houses every time a train passes by.




The Social Housing Finance Corporation (SHFC) could be considered obscure to many, but the youngest government agency caters to the housing needs of both formal and informal settlers facing ejection or demolition of their abodes.

shfc logo 2Fifteen years since its formation, the SHFC provides not only individual shelters to displaced families but communities as well, complete with livelihood programs for their sustainability.

While still a fledgling in the housing industry and small in size, the SHFC has already made its impact by providing not only affordable homes but sustainable and resilient communities.


During the “Straight Talk with Daily Tribune”, on Tuesday, October 15, SHFC president Atty. Arnolfo Ricardo Cabling emphasized that SHFC is mandated not only to provide affordable houses to those belonging to the low-income bracket, but to build progressive communities, too.

From its creation by former President Gloria Macapagal-Arroyo, SHFC has already built 2,723 communities throughout the country –mostly occupied by the displaced poorest of the poor, who lost their houses either through eviction or relocation.

The SHFC has provided security of tenure to 311,914 informal settler families (ISF) in various parts of the country.

“The mandate of social housing is to provide shelter provision at the lowest possible interest rate for both formal and informal sectors belonging to the lowest income bracket of the society,” Cabling explained.

“We started with providing security of tenure to on-site communities, formal communities occupying private or government lands facing threats of demolition, or they are about to be removed or ejected from the property,” he added.

The SHFC’s flagship housing initiative is aptly called Community Mortgage Program (CMP), anchored on the unique Filipino tradition of “Bayanihan.”

“It’s community-based, it’s a community effort. That’s the way to lower down the cost. Why? We tap the members of the community to help – from the local government up to the barangay level,” Cabling explained.

“Even the ordinary people, we do ‘bayanihan’ in constructing canals, drainage. That’s the way we could reduce the cost,” he added.

Under the program, Cabling said that the beneficiaries are involved from the planning, choosing the areas of relocation, up to the actual design of their homes based on the community’s capability to pay.

“We empower the people and teach them how to negotiate so that they can haggle with the land owners. And then, they borrow money from us to pay the land owners, payable in 25 years with six percent annual interest rate based on diminishing balance,” Cabling added.

“It’s a partnership, it’s people-planned program. We work together –from site preferences to the design,” he said.

While short in personnel of only about 200 scattered nationwide, Cabling said SHFC deploys representatives to help organize communities facing ejectment or demolition.

“That is our mandate, we organize communities so that they can avail (of government’s housing program),” said Cabling.

Under the CMP, beneficiaries apply as one community and not as individuals, unlike in other housing agencies where individual members could avail.

The concept, Cabling said, contribute to the high rate of occupancy of SHFC projects.

“With this, we maintain the sense of neighborhood. There is less adjustment when they relocate to other areas, so the occupancy rate, while it is not perfect, it’s good,” Cabling said.

“And we don’t just build communities, we build sustainable and resilient communities –meaning we have livelihood components,” he added.

Cabling cited the community SHFC set up in Palawan where the beneficiaries were provided with income opportunity in the cashew industry.

The SHFC president, however, noted the challenges in pursuing their projects –from documentary to opposition by some local government units (LGU) to host the relocated communities.

“Every project is a struggle, but at the end of the day, every project is a success story after its completion,” said Cabling, who served as Davao City councilor under President Rodrigo Duterte and daughter and incumbent Mayor Sara Duterte.

As of December 2018, SHFC has already granted P14.81 billion loan assistance with a collection efficiency rate of 74.31 percent. So far, the corporation has established partnership with 56 LGU throughout the country.