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Ohmyhome

Ohmyhome

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Written by: Rita Magallona

Imagine paying less than P1,000 a month for your home amortization. Sounds impossible? Thanks to the National Housing Authority (NHA) of the Philippines, even informal settlers have the opportunity to become homeowners.

The NHA develops low-cost public housing with affordable payment schemes. Subsidized NHA housing is available for service personnel like members of the Armed Forces of the Philippines (AFP) and the Philippine National Police (PNP). The NHA also assists in relocating at-risk or displaced families.

The A in NHA

Despite its name, the NHA has authority only over housing developed by the agency. For all others, the Housing and Land Use Regulatory Board (HLURB) enforces housing laws, especially those built by private developers.

The NHA and the HLURB are under the supervision of the Housing and Urban Development Coordinating Council (HUDCC), the umbrella agency that oversees all housing concerns in the Philippines. The Pag-IBIG Fund (Home Mutual Development Fund), which provides financing for private developments, also falls under the HUDCC.

What the NHA Does

This government agency develops affordable housing and implements programs such as:

Resettlement Programs

Informal Settler Families (ISFs) tend to build makeshift houses wherever it is convenient. In Metro Manila, these areas include dangerous places along rivers, creeks, and drainage canals. These waterways overflow when heavy rains come, putting the informal settlers in danger.

This is where the NHA comes in. The agency builds new homes in safer areas, either in-city low-rise housing developments built on government land, or in off-city developments outside Metro Manila where in-city relocation is not feasible. You can find NHA housing developments in the provinces of Rizal, Cavite, Laguna, Bulacan, Pampanga, and Bataan.

Local Government Units (LGUs) often partner with the NHA to relocate and resettle informal settlers, indigenous peoples, people living in danger zones, and those affected by calamities and infrastructure projects.
On top of housing for displaced families, the NHA also provides community facilities, socio-economic programs, and other forms of community support.

what-you-need-know-about-national-housing-authority-typhoon

Emergency Housing Assistance Program (EHAP)

Homes can get destroyed for a variety of reasons: typhoons, floods, earthquakes, volcanic eruptions, fire, industrial accidents, terrorism, or armed conflict. When calamities strike, marginal-income families are especially vulnerable – they can’t afford to rebuild their homes. For these families, the NHA extends financial support through its Emergency Housing Assistance Program (EHAP).

Settlements Upgrading Program

When government land is declared a socialized housing site, the NHA helps informal settlers in the area stay in their homes. The agency facilitates the survey and titling of individual lots for qualified occupants, develops infrastructure, constructs housing, and rehabilitates existing project sites.

Housing for Service Personnel

The NHA provides affordable but decent housing to personnel in the various services. These are the low-salaried personnel of the AFP, the PNP, the Bureau of Fire Protection (BFP), the Bureau of Jail Management and Penology (BJMP), and the Bureau of Corrections (BuCor).

Local Housing Programs

RA 7835 or the Comprehensive and Integrated Shelter Financing Act of 1994 (CISFA) provides for the implementation of cost-recoverable socialized housing projects in urbanized and near-urbanized areas in all congressional districts. The NHA is the point agency for the implementation of this law, including providing housing options, facilitating land acquisition or land tenure assistance schemes, and assisting in land survey and titling. The agency also provides, installs, and repairs project components and community facilities.

How can you apply for NHA housing?

If you are eligible for NHA housing, contact their headquarters at 5 Elliptical Road, Diliman, Quezon City. The NHA telephone number is (02) 8790-0800. For those outside Metro Manila, contact the nearest NHA regional office for details.

A safe, secure, and clean home is still a distant dream for a lot of Filipinos. While it is far from perfect, the NHA is doing its best to make this dream possible.

Looking for other home financing options? Check if you have what it takes to win a Pag-IBIG housing loan.

Need assistance with bank financing? Feel free to get in touch with an OMH property agent to get started. OMH’s agents are more than happy to help you secure approval from major banks. For more information on the best and latest property listings nationwide, visit Ohmyhome.com or download the official Ohmyhome app.


Ohmyhome was launched in the Philippines in September 2020, following the company’s establishment of a tech team in the country in 2017. Ohmyhome was originally founded in 2016, and subsequently rose in Singapore as a leading PropTech solution and licensed real estate agency.

Ohmyhome expanded into the Philippines so that Filipino home seekers can have a real estate partner that they can trust to have their best interests at heart and can be relied upon to provide exceptional services throughout the entire property journey.

Featuring thousands of properties across many of the Philippines’ major real estate brands, Ohmyhome differs from other local platforms by going the extra mile and extensively helping buyers narrow down the choices and find the property that best suits their budgets, home needs, and lifestyle preferences.

The company’s Real Estate Agents not only help in the shortlisting of options, but also provide professional services through the entire purchasing process. These include assistance in property inspections, negotiations, the finalization of the Conditions of Sale, deposit collection, the submission of property documents, as well as providing buyers regular updates.

Ohmyhome helps Filipinos find their dream homes, all while making sure each real estate transaction is complete and is an efficient and enjoyable experience.

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Get The E-Book

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get an agent

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Dedicated experts at ayour service

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Either way, it’s much easier outside Manila.

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Both have advantages and limitations. Everyone has different preferences.

Do it yourself

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Check out how our platform can help

Search or Post your home

Connect with landlords through the app

For Landlords

get an agent

Lease with an Agent

Dedicated experts at your service

ARTICLES​

Assessing Property Value

Of course, knowing your property’s true value is key to any great investment.

Home Staging Tips

With this checklist, you get a better chance of finding a long-term tenant.

Do it yourself

Prefer to do-it-yourself?

Check out how our platform can help

Search or Post your home

Connect with tenants through the app

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By Developer

SMDC

Properties from the good guys.

Robinsons Land

Raise, live, and connect.

Moldex Realty

The gateway to ideal community living.

PIK

Russia and Europe's largest homebuilder

For Ofws

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Safely secure your dream home from overseas.

Buying for Homeownership

Connecting you with the top developers nationwide.

Buying for Investment

For a seamless and stress-free property investment.

LOCATION GUIDES​

Life in SYNC is a Life Well Balanced

A good home gives good shelter, but a...

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