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    The Philippine housing sector: a historical-structural analysis
    (2010-03) Abrantes, Andrea Joyce; Delos Angeles, Jheric; Clarete, Ramon
    This study aims to evaluate and reassess the Philippine housing sector with the use of data gathered from two different periods: during the nine-year implementation of the Unified Home Lending Program (UHLP) and during the execution of the Multi-Window Lending System (MWLS). The researchers used three housing indicators namely, housing supply, housing qualities and share of housing expenditure to total household expenditure, to compare the over-all housing conditions during the said periods. Data suggest that higher private sector participation in production and housing finance in line with a transparent and well-directed government regulation will result to an over-all improvement in the housing condition, especially for the poor.
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    An analysis of the National Home Mortgage Finance Corporation and the Home Development Mutual Fund
    (1999-03-25) Guanzon, Abelardo Kris; Posadas, Carlos Raphael
    The Thesis analyzes the National Home Mortgage and Finance Corporation and the Home Development and Mutual fund, the two government agencies responsible in the financial aspect of the public sector housing in the Philippines. Through our research efforts to find out why is there such a huge backlog of housing in the Philippines, factors or reasons such as inadequate funding and inability of the homeless to avail of the many government housing programs turn up. Other factors such as population growth, poverty, zoning, and urbanization also crop up. We centered our efforts towards the financial aspect of the National Housing Program. How even with its limited and inadequate funding can the government be effective and efficient on its effort at curbing and eliminating the housing backlog of the country? Our findings and conclusion were based on the actual number of household assisted by agency through their major programs and program components through the years 1987-1997. We found out that the government can't even provide adequate funding for its ten year National Shelter Program (1987-1997). The National Shelter Program was envisioned to eliminate the huge housing backlog in the country or if not at least bring it to a manageable level. In our recommendation we highlight the need for the active participation of the private sector through Securitization of housing project. This entails the development of the primary and secondary mortgage markets in order to achieve a modern housing finance system. We also encouraged the government to refocus its participation in the housing industry to where it can effectively and efficiently maximize its resources, which is in the indirect housing finance provision.