BillBuddy
Back to bill feed
HealthLocal GovernmentSocial Welfare
BillSBN-145820th Congress

Free Housing Usufruct Act

In committee Filed Oct 22, 2025
◷ Where it standsIn Committee
FiledCommittee2nd Reading3rd ReadingBicamEnacted

Filed on October 22, 2025, and referred to the Committees on Urban Planning, Housing and Resettlement; Local Government; and Finance; it has been pending in committee since March 10, 2026, with no recorded action since then.

Should you care?
Relevance to you
Broad

The bill addresses the urgent need for housing among underprivileged and homeless citizens in urban areas.

Underprivileged and homeless FilipinosLocal government unitsNational Housing AuthorityQualified personnel in LGUs
Timeliness
Timely

The bill responds to a growing housing crisis in urban areas.

Affects you ifUnderprivileged FilipinosHomeless citizensLocal government employeesNational Housing AuthorityCommunity housing advocates
Impact assessment
AI read — verify with source
Overall impact
7.5/ 10
Long title

Free Housing Usufruct Act

Plain-language summary
AI Summary

The Free Housing Usufruct Act aims to provide free housing to underprivileged and homeless Filipinos through a usufruct arrangement, allowing beneficiaries to use government housing properties without ownership. The National Housing Authority (NHA) and local government units (LGUs) will manage the program, ensuring that housing is accessible to those in need.

What this bill actually requires
RequiresThe National Housing Authority (NHA) shall implement the Free Housing Through Usufruct Program.
RequiresLocal Government Units (LGUs) may extend housing benefits to qualified personnel as part of their employee housing program.
FundsFunds for the initial implementation will be charged against available appropriations of the NHA, LGUs, and other government agencies engaged in the National Shelter Program.
FundsSubsequent appropriations will be included in the annual General Appropriations Act (GAA).
PenalizesViolations of the prohibitions on the usufruct will result in immediate forfeiture of the usufruct and disqualification from any government housing program.
DeadlineThe NHA, Department of the Interior and Local Government (DILG), and the Department of Human Settlements and Urban Development (DHSUD) must promulgate implementing rules and regulations within 90 days from effectivity.
DeadlineThe Act will take effect 15 days after publication in at least two newspapers of general circulation.
ⓘ AI-generated — verify with the source.↗ Official Senate PDF
What changes from current law

Compared with current law:

Today

Under current law, housing is not provided for free through usufruct.

This bill

This bill establishes a program for free housing through usufruct for underprivileged and homeless Filipinos.

Today

Local government units have limited authority to provide housing benefits.

This bill

This bill allows LGUs to extend housing benefits to qualified personnel.

ⓘ AI-generated comparison — verify against the bill and the cited law.
Ask this bill

Only underprivileged and homeless Filipinos without known ownership of any real property anywhere in the country may qualify as beneficiaries of the free housing through usufruct program.

Source · full text
Issue areas
HealthLocal GovernmentSocial WelfareHousing PolicyFree HousingUsufruct ProgramNational Housing AuthorityUnderprivileged Filipinos

✦ Dashed tags are AI-suggested nuance; solid tags follow the committee taxonomy.

Legislative history
Oct 22, 2025Senate
Introduced by Senator CAMILLE A. VILLAR;
Nov 11, 2025Senate
Read on First Reading and Referred to the Committees on URBAN PLANNING, HOUSING AND RESETTLEMENT; LOCAL GOVERNMENT and FINANCE;
Mar 10, 2026Senate
Conducted COMMITTEE MEETINGS/HEARINGS;
✦ AI insight

Stalled: the bill has been pending in committee for over six months with no action since the committee meetings on March 10, 2026.

Tap a term to decode it
Floor activity

No floor deliberations yet — this measure has not reached plenary. Its committee-stage actions appear under Legislative history above.

Full text
SBN-1458 — verbatim textAs filed

Senate Office of the Secretatp TWENTIETH CONGRESS OF THE ) REPUBLIC OF THE PHILIPPINES First Regular Session 25 OCT 22 P1:21 SENATE 1458 RECEIVED BY: S. No. _ Introduced by SENATOR CAMILLE A. VILLAR AN ACT ORDAINING A NATIONAL POLICY OF FREE HOUSING THROUGH USUFRUCT, AND APPROPRIATING FUNDS THEREFOR EXPLANATORY NOTE Under the 1987 Philippine Constitution, the State shall, by law, and for the common good, undertake, in cooperation with the public sector, a continuing program of urban land reform and housing which will make available at affordable cost decent housing and basic services to underprivileged and homeless citizens in urban centers and resettlements areas. 1 This bill seeks to mandate a policy that institute programs aimed at providing its people free access to housing through a usufruct or free use of government housing property, subject to certain qualifications of the beneficiary. Only underprivileged and homeless Filipinos without known ownership of any real property anywhere in the country may be beneficiaries of the free housing through the usufruct program. However, local government units (LGUs) and other government agencies may extend the benefit to qualified personnel as part of its employee housing program provided that the beneficiary does not own any real property within the territory of the LGU of employment. Should this bill be enacted into law, it will also complement the government's efforts in managing the housing backlog, which if not arrested could reach 22 million units by 2040.2 1 Section 9, Article XIII, 1987 Constitution 2 https://unhabitat.org/sites/default/files/2023/06/5._un- habitat_philippines_country_report_2023_final_compressed.pdf ]

In view of the foregoing, I humbly request the swift passage of this bill. umeecnua CAMILLE A. VILLAI

Sentate Office of the Secretary TWENTIETH CONGRESS OF THE REPUBLIC OF THE PHILIPPINES ) First Regular Session ) 25 OCT 22 P1:21 SENATE RECEIVED BY: 1458 S. No. - Introduced by SENATOR CAMILLE A. VILLAR AN ACT ORDAINING A NATIONAL POLICY OF FREE HOUSING THROUGH USUFRUCT, AND APPROPRIATING FUNDS THEREFOR Be it enacted by the Senate and House of Representatives of the Philippines in Congress assembled:

SECTION 1. Short title. This Act shall be known as the "Free Housing

Usufruct Act.

SEC 2. Statement of Policy. The State shall undertake, in cooperation with

5 the public sector, a continuing program of urban land reform and housing which will 6 make available at affordable cost decent housing and basic services to underprivileged and homeless citizens in urban centers and resettlements areas. As part of its mandate to promote a just and dynamic social order, it is also the policy of the State to institute programs aimed at pursuing avenues that would make housing free to its citizens in need.

SEC 3. Free Housing Through Usufruct Program. The National Housing

Authority (NHA), Local Government Units (LGU) and other government agencies engaged in the National Shelter Program, in implementing their housing programs, shall as far as practicable, distribute housing units to qualified beneficiaries for free through contracts of usufruct.

The NHA, LGU or other government agencies engaged in housing or implementing housing projects, as owner, shall retain ownership of title to the housing 3 unit, and the beneficiary, as usufructuary, shall be allowed to enjoy the use of the property.

SEC 4. Qualified Beneficiaries. Only underprivileged and homeless Filipinos

without known ownership of any real property anywhere in the country may qualify as beneficiaries of the free housing through usufruct program. However, LGUs and other government agencies may extend the benefit to qualified personnel as part of its employee housing program.

SEC 5. Inclusions of the Usufruct. Usufruct, as defined and understood

13 under the law, shall include the right to the enjoyment and use of the property. 14 Charges for utilities such as electricity, water and communication shall be for the 15 account of the beneficiary, unless otherwise provided for in the usufruct contract.

SEC 6. Period of Usufruct. The beneficiary shall continue to enjoy the use of

the property until disqualified under this Act. In the event of death of the beneficiary, the immediate family, which includes the spouse, children and parents living with the beneficiary, shall have priority to take over the usufruct provided that the immediate family is qualified under this Act.

SEC 7. Prohibitions on the Usufruct. The beneficiary shall not lease, rent,

sell or in any other manner transfer possession of the property under usufruct nor shall it be allowed to be used in whatever manner by any person other than the beneficiary or his immediate family which includes the spouse, children and parents living with the beneficiary. Further, the property shall only be used by the beneficiary or his immediate family for residential purposes. Violation of these prohibitions shall result in the immediate forfeiture of the usufruct and constitute disqualification of the violator and his immediate family as beneficiary of any housing program of the government.

SEC 8. Financing, Ownership and Management. The NHA shall provide

financial and technical assistance to the LGUs in the implementation of the program. 3 Regardless of ownership of title to the properties subject of the program, the LGU 4 where the housing project is located shall be responsible with the management and 5 maintenance of the properties subject of the program. For purposes of this section, management shall include the determination of the beneficiaries of the program and maintenance shall include ensuring that adequate utility services are accessible to the 8 beneficiaries. The LGU may contract with private entities for the maintenance of the 9 properties subject of the program.

SEC 9. Appropriation. The funds necessary to carry out the initial

12 implementation of this Act shall be charged against available appropriations of the 13 NHA, LGUs, and other government agencies engaged in the National Shelter Program subject to existing budgeting, accounting and auditing laws, rules, and regulations. 15 The appropriations necessary for the continued implementation of this Act in succeeding years shall be prepared in accordance with regular government budget procedures and shall be included in the budget under the annual General Appropriations Act (GAA).

SEC 10. Implementing Rules and Regulations. The NHA, Department of

the Interior and Local Government (DILG) and the Department of Human Settlements 22 and Urban Development (DHSUD) shall promulgate the rules and regulations for the effective implementation of the provisions of this Act within ninety (90) days from its effectivity.

SEC 11. Separability Clause. Should any provision of this Act or any part

thereof be declared invalid, the other provisions, insofar as they are separable from the invalid ones, shall remain in full force and effect.

SEC 12. Repealing Clause. All laws, orders, issuances, rules and regulations

or parts thereof inconsistent with this Act are hereby repealed or modified accordingly.

SEC 13. Effectivity. This Act shall take effect fifteen (15) days after its

complete publication in at least two (2) newspapers of general circulation. Approved,

Reproduced from the Senate document. The official PDF is the authoritative version.