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Manila Bulletin devider Philippines devider National devider DHSUD simplifies process for housing loan application, expands home options for Pinoys

DHSUD simplifies process for housing loan application, expands home options for Pinoys

Published Jul 30, 2025 11:09 am  |  Updated Jul 30, 2025 02:15 pm
DHSUD Secretary Jose Ramon C. Aliling meets with urban development experts, civil society groups, and housing advocates in Quezon City to advance inclusive and community-led approaches under the 4PHX housing program. (Photo courtesy of DHSUD)
DHSUD Secretary Jose Ramon C. Aliling meets with urban development experts, civil society groups, and housing advocates in Quezon City to advance inclusive and community-led approaches under the 4PHX housing program. (Photo courtesy of DHSUD)
The Department of Human Settlements and Urban Development (DHSUD) has simplified the processes in housing loan application to encourage more Filipinos to avail of the government’s housing programs.
DHSUD Secretary Jose Ramon Aliling explained that the new process also includes expanding the housing options for Filipino homebuyers— they could either go to the developer of the socialized housing project or go directly to the Pag-IBIG Fund or the DHSUD for the processing of their loan application for their chosen houses.
“Our simplified processes will empower homebuyers or beneficiaries to choose from government housing programs suitable to their needs. This is part of our effort to focus on beneficiary-centric policy aimed at building decent homes while offering dignified living for homebuyers or beneficiaries,” said Aliling.
The simplified processes are stipulated in the Department Order (DO) No. 2025-021 which expanded “the affordability and accessibility of the programs by empowering the homebuyers to take charge in the selection of the type of housing programs and projects suitable to their needs and requirements.”
The order also aims to facilitate the matching of homebuyers financial capacity with the eligibility criteria of the funding agencies; strengthen coordination among industry stakeholders such as but not limited to the homebuyers, developers, national agencies, local government units, DHSUD attached agencies, among others, and support purchase and/or post-award services to hasten and improve project delivery to its intended beneficiaries.”
“This is to ensure that the expanded programs are not only affordable and accessible but also to promote dignified living conditions and sustainable communities for buyers/beneficiaries,” said Aliling.
Earlier, the Pag-IBIG Fund r issued a circular offering three percent interest rate for socialized housing, both for horizontal or subdivision-like housing and vertical or the condominium-type units, enrolled under the Expanded 4PH for up to 10 years.
The rate may still be lowered through government subsidy subject to existing laws, rules and regulations.
“These new guidelines transform the flagship program into a people-centric, stakeholder-friendly with simplified processes, both for the homebuyers/beneficiaries, our attached agencies and private developers,” said Aliling.
“This is also to ensure that the expanded programs are not only affordable and accessible but also to promote dignified living conditions and sustainable communities for buyers/beneficiaries,” he added.
It was Aliling who reopened the mass housing program to horizontal developments or subdivision-like housing projects, and other modalities likes rental and incremental housing schemes. He also ordered the revival of the community mortgage program (CMP).
Previously, the government’s housing program was focused only on the construction of vertical developments or condominium-type projects that did not gain enough traction from targeted beneficiaries due to high cost compared to subdivision-type housing, which remains to be the preference of many homebuyers.
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