4Ph Act

Senatr / Office of the Cruetary TWENTIETH CONGRESS OF THE REPUBLIC OF THE PHILIPPINES MAR 16 First Regular Session P4:52 SENATE RECEIVED BY: S. No.1980 Introduced by Senator JV Ejercito AN ACT INSTITUTIONALIZING THE PAMBANSANG PABAHAY PARA SA PILIPINO (4PH) PROGRAM EXPLANATORY NOTE Three years ago, President Ferdinand Marcos, Jr. issued Executive Order No. 34 or the adaptation of the Pambansang pabahay Para sa Pilipino Program or 4PH under the Department of Housing and Urban Development (DHSUD). This initiative serves as the flagship housing project of this current administration, aimed at addressing the country's persistent housing backlog in the country. Through this program, the government seeks to accelerate housing development by strengthening partnerships with local government units, the private sector, and financial institutions. By promoting vertical housing projects, streamlining processes, and expanding financing mechanisms, the program aims to make homeownership more accessible, particularly for low- and middle-income Filipinos. Ultimately, the 4PH Program represents a significant step toward ending homelessness, improving living conditions, and ensuring that more Filipino families can enjoy the dignity and security of having a place they can call home. According to the DHSUD report, twenty (20) Bayanihan Villages were either completed or started to be established during the last quarter of 2025, and at least ten (10) more rental housing projects are scheduled to be launched during the first

quarter of 2026.1 This signifies that the program is working and continues to serve the Filipino people in the hopes that the quality of life will improve by having a safe home. The proposed bill aims to institutionalize the 4PH Program under the EO No. 34. The institutionalization of the 4PH program will ensure that there will be consistent and sustainable funding for the provision of affordable and decent housing to all Filipinos. In pursuit of providing better quality of life to Filipinos through the housing program, the immediate passage of this legislation is earnestly sought. JV EJERCITO 1 YEARENDER: DHSUD ends 2025 with a bang. DHSUD.

Senate ve mys Office of the Secretary TWENTIETH CONGRESS OF THE REPUBLIC OF THE PHILIPPINES MAR 16 P4:52 First Regular Session SENATE RECEIVED BY: S. No. 1980 Introduced by Senator JV Ejercito AN ACT INSTITUTIONALIZING THE PAMBANSANG PABAHAY PARA SA PILIPINO (4PH) PROGRAM Be it enacted by the Senate and the House of Representatives of the Philippines in Congress assembled:

SECTION 1. Short Title. - This Act shall be known as the "4PH Act of 2023".

Sec. 2. Declaration of Policy. - It is hereby declared a policy of the state to

3 ensure that the underprivileged and homeless citizens have access to an adequate, 4 safe, secure, habitable, sustainable and affordable home. Further, the State 5 recognizes the potential impact of a robust housing sector on the growing economy. Towards this end, the State shall undertake a continuing program for housing 7 and urban development which shall make available at affordable cost to the 8 underprivileged and homeless citizens in urban centers and resettlement areas.

Sec. 3. The Pambansang Pabahay Para Sa Pilipino (4PH) Program. - The

Pambansang Pabahay Para Sa Pillpino (4PH) Program shall: a. Implement the development of 1,000,000 housing units every year after the end of program six-year timeline of the 4PH Program or in January 2028 as indicated in Department Circular No. 2022-004 Series of 2022; b. Prioritize the lowest 30% income decile of the population and low wage earners as primary beneficiaries of the 4PH Program;

c. Pursue innovative strategies to make housing finance accessible and housing units affordable to the target beneficiaries, through but not limited to the following: i. Allocate government funds for the payment of housing interest support to lower the monthly interest rate payment of qualified program beneficiaries; ii. Utilize vacant, idle, blighted and/or under-utilized government and private-owned lands for housing and mixed-use development; iii. Tap government financing institutions (GFIs) and private banks to provide development loans & end-user financing; and iv. Promote varied forms of modalities in implementing housing and mixed-use development. d. Capacitate and support the LGUs as one of the main project proponents in implementing housing projects; and e. Encourage and incentivize the private sector to participate in the 4PH program/project implementation.

Sec. 4. Roles and Responsibilities. - The roles and responsibilities of the

implementing agencies pursuant to their respective charters and governing laws are, 19 but not limited to, the following: I. DSHUD a. Act as the lead agency and shall serve as the implementor, initiator, coordinator, and facilitator of the 4PH; b. Assign 4PH Program housing production targets to its KSAs which shall form part of their Performance Commitments; c. Provide housing design specifications, parameters, and price ceilings for projects enrolled under the 4PH Program; d. Facilitate the allocation of funds for interest subsidy payment in the General Appropriations Act (GAA) and other potential fund source to make the monthly amortizations affordable to the qualified beneficiaries; e. Coordinate KSAs, LGUs, GFIs, private banks, and stakeholders to ensure the implementation of the 4PH Program;

f. Develop policies and programs together with it KSAs, LGUs, and NGAS and GFIs to provide incentives and promote private sector participation in the 4PH Program; g. Extend support and technical assistance to the LGUs, developers, and other program partners such as but not limited to the simplification of documentation and establishment of express lanes for the issuance of national and local permits and clearances for t projects under the 4PH Program; and h. Oversee and monitor the implementation of projects under the 4PH Program II. HOME DEVELOPMENT MUTUAL FUND (HDMF), PARTICIPATING 12 GOVERNMENT FINANCIAL INSTITUTIONS (GFIS) AND PRIVATE BANKS a. Allocate funds for the 4PH Program, such as for development loans and /or end-user financing; and b. Simplify guidelines and requirements to facilitate the access to financing by the LGUs, developers/contractors and homebuyers. III. NATIONAL HOUSING AUTHORITY (NHA) AND SOCIAL HOUSING FINANCE CORPORATION (SHFC) a. As landowners, enter into appropriate partnership agreements with the concerned partner LGUs and other partner institutions/ entities; b. As a developer and/or project manager, implement projects in coordination with the LGUs and other groups according to the roles and responsibilities as may be agreed by the parties involved; c. Provide support to the LGUs in the social preparation, project development, and other assistance needed by the LGUs; and d. Develop supporting policies and programs as may be applicable and allowed under their mandate to achieve target housing production and other deliverables for the 4PH Program. IV. NATIONAL HOME MORTGAGE FINANCE CORPORATION (NHMFC) a. Support the financial sustainability of the 4PH by (1) providing liquidity to GFIs and private banks through purchase of eligible Contract-to-SelI (CTS) and Real Estate Mortgage (REMs) among others, and securities

such loan portfolio, and (2) issue asset-backed securities to attract more funds for housing. V. PARTICIPATING LOCAL GOVERNMENT UNITS (LGUS) a. Act as the lead/main proponent in the implementation of the housing projects under the 4PH Program; b. Identify suitable sites for the housing and mixed-use development; c. Apply for developmental loans for the housing project subject to applicable laws, government rules, and requirements; d. Identify, select, and facilitate the application of target housing beneficiaries under the program; e. Develop the project concept, following DSHUD's design specification and price ceiling parameters; and f. Formulate local policies and programs to support and facilitate project financing, construction, and property management including necessary financial and social services assistance for the target beneficiaries. VI. OTHER CONCERNED GOVERNMENT AGENCIES AND STAKEHOLDERS a. Participation and engagement hereto of the other concerned government agencies and stakeholders, as the case may be, shall be subject to their respective mandate, nature, and powers.

Sec. 5. Price Ceiling. - The Price Ceilings for the 4PH Program, specifically for

units within multi-rise buildings, shall be based on the Joint Determination set by the DSHUD and NEDA pursuant to Republic Act No. 11201, otherwise known as the 23 "Department of Human Settlements and Urban Development Act".

Sec. 6. Trust Account. - The DSHUD may create specialized account, as it may

25 deem fit, in trust of its beneficiaries to defray the cost and expenses of initial property management and maintenance of the 4PH Programs.

Sec. 7. Independent Monitoring Committee and Advisory Council. - An

Independent Monitoring Committee and National Advisory Council shall be created at the regional, and national levels, composed of representatives from the private sector, civil society organizations (CSOs) to complement the oversight function and activities of DHSUD and provide feedback for appropriate action. It shall submit a report on the results of its monitoring activities relative to the implementation of the program. A

1 monitoring and evaluation report shall be submitted to the DSWD and to the Joint 2 Congressional Oversight Committee at regular intervals, as determined in the 3 Implementing Rules and Regulations (IRR).

Sec. 8. Annual Report of the Program. - The DHSUD shall annually publish a

5 full report of the 4PH Program covering the implementation of the previous fiscal year. 6 The said report shall include financial disclosures, number of clients/beneficiaries 7 served, and recommendations to the President and to both chambers of Congress on 8 how to further enhance the program.

Sec. 9. Program Transparency. - The DSHUD shall regularly and timely post

10 and update on its website a report of financial disclosures and information about beneficiaries based on geographical area, social, economic, and cultural circumstances.

Sec. 10. Joint Congressional Oversight Committee. - Upon effectivity of this Act,

a Congressional Oversight Committee, hereafter referred to as the 4PH Oversight 15 Committee is hereby constituted. This Committee shall set the overall framework to review the implementation of this Act. It shall likewise recommend necessary remedial legislations or executive measures to effectively implement this Act. The 4PH Oversight Committee shall be composed of six (6) members with the Chairpersons of the 19 Committee on Housing and Urban Development, Poverty Alleviation, Social Justice and Public Works and Highways and two (2) members from each House, to be designated by the Speaker of the House of Representatives and Senate President, respectively. For the purpose of remedial legislation, the 4PH Oversight Committee shall, within six (6) years after the effectivity of this Act, conduct a mandatory review which shall include a systematic evaluation of the impact of this Act, accomplishments of the program, and the performance of its implementing agency.

Sec. 11. Implementing Rules and Regulations. - Within sixty (60) days, the

DHSUD, in coordination with key shelter agencies and other stakeholders, shall formulate the rules and regulations to effectively implement the provisions of this Act.

Sec. 12. Appropriation. - The amount needed for the initial implementation of

this Act shall be taken from the current year's appropriations of the concerned agencies. Thereafter, such sums may be necessary for its continued implementation shall be included in the annual General Appropriations Act.

Sec. 13. Separability Clause. -If any portion or provision of this Act is declared

unconstitutional, the remainder of this Act or any provisions not affected thereby shall remain in force and effect.

Sec. 14. Repealing Clause. - All laws, decrees, orders and rules and regulations

5 contrary to or inconsistent with the provisions of this Act are hereby repealed or amended accordingly.

Sec. 15. Effectivity. - This Act shall take effect fifteen (15) days following its

8 complete publication in the Official Gazette or a newspaper of general circulation. Approved,