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HOUSE OF REPRESENTATIVES iS RECEIVED 2
Quezon City EZ DATE November 18, 2024 (9)
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NINETEENTH CONGRESS TIME 13 pm__

Third Regular Session

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HOUSE BILL No. 11089

Introduced by Representative CAMILLE A. VILLAR

EXPLANATORY NOTE

Housing is a right, not a commodity. Increasingly viewed as a commodity,
housing is most importantly a human right. Under international law, to
be adequately housed means having secure tenure—not having to worry about
being evicted or having your home or lands taken away. It means living somewhere
that is in keeping with your culture, and having access to appropriate services,
schools, and employment.

Housing is the basis of stability and security for an individual or family. The
centre of our social, emotional and sometimes economic lives, a home should be a
sanctuary —a place to live in peace, security and dignity

Equally, 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 resettlement
areas. It shall also promote adequate employment opportunities to such citizens. In
the implementation of such program the State shall respect the rights of small
property owners.

It is still a fact at present that hundreds if not millions of homeowners have
become delinquent in their payment for housing amortizations and dues. This
condition has been brought about by various reasons like economic slowdown,
disasters, and reasons beyond the control of the homeowners, among others.

In order to alleviate this condition, this proposed measure will authorize the
National Housing Authority to grant amnesty to its socialized housing beneficiaries

' htps:/ /www.ohchr.org/en/special-procedures/ sr-housing/human-right-adequate-housing
Ibid
® Section 9, Article XIII, 1987 Constitution


who have reneged on their payment which shall cover all unpaid amortization,
association dues and/or miscellaneous fees, except beneficiaries who are
disqualified for reasons specified in this proposed bill such as unlawful transfer,
abandonment and illegal occupation of the unit.

Therefore, together with my colleagues in Congress, this Representation calls
for the immediate passage of this bill.

100 Heel
CAMILLE A. VILLAR


Republic of the Philippines
HOUSE OF REPRESENTATIVES
Quezon City

NINETEENTH CONGRESS
Third Regular Session

HOUSE BILL No. 11089

Introduced by Representative CAMILLE A. VILLAR

AN ACT PRESCRIBING THE AUTHORITY OF THE NATIONAL
HOUSING AUTHORITY (NHA) TO GRANT AMNESTY TO ITS
SOCIALIZED HOUSING BENEFICIARIES WITH DELINQUENT
ACCOUNTS, CONDONING THEREBY ANY UNPAID
AMORTIZATION, ASSOCIATION DUES OR ANY
MISCELLANOUS FEES, AND TO INSTITUTE A PAYMENT
RESTRUCTURING PROGRAM, APPROPRIATING FUNDS
THEREFOR, AND FOR OTHER PURPOSES

Section 1. Short Title. - This Act shall be known as the “NHA Amnesty
Act of 2024”

Section 2. Declaration of Policy. - It is the policy of the State to ensure a
continuing and sustainable program for urban land reform and housing
which shall make available affordable, and decent housing with basic
services to underprivileged and homeless citizens, in order to guarantee
freedom from poverty, higher standard of living, and improved quality
of life for all.

The State and its stakeholders shall:

a. Expand people's access to affordable, adequate, safe and secure
shelter in well-planned communities;

b. Enable informal settler families to live in resilient, vibrant, and
connected urban communities;

c. Promote inclusive and integrated housing that are culturally
sensitive, responsive to local context and/or special needs, and
in accordance with appropriate standards and designs;

d. Encourage and sustain investments in the housing and urban
development sector by, among others, promoting partnerships,


improving market linkages, simplifying _ government
procedures and facilitating access to finance;

e. Improve affordability of housing programs and projects;

f. Promote climate change management, resilient housing and
basic infrastructure; and

g- Make land available and accessible for housing.

Section 3, Statement of Objectives. - The State shall integrate all laws
relating to the National Housing Authority (NHA) to effectively achieve
the following objectives:

a. Develop integrated, sustainable, safe, affordable and resilient
communities, particularly for the underprivileged and
homeless, as well as low-income households;

b. Implement innovative and alternative solutions in addressing
the housing needs of informal-settler’s families, the lower-
income classes, and the vulnerable sector;

c. As a government-owned and - controlled corporation, to
generate income through the efficient utilization of existing
and future assets to support the programs of the authority;

d. Adopt viable land acquisition and management approaches;

e. Strengthen housing as a platform to reduce poverty, promote
climate resilience, improve social outcome; and

f. Intensify and widen its authority and functions to effectively
fulfill its mandate.

Section 4. Coverage of Amnesty and Restructuring Program for
Delinquent Socialized and Low-Cost Housing Beneficiaries - The NHA
is hereby authorized to grant amnesty to NHA’s socialized housing
beneficiaries who have reneged on their payment which shall cover all
unpaid amortizations, association dues and/or miscellaneous fees,
except beneficiaries who:

a. Unlawful transfer - unlawfully sold, transferred, mortgaged, or
otherwise disposed of his/her lot, lot with housing unit,
condominium unit or any right thereon;

b. Abandoned - units not inhabited by the awardees/ beneficiaries
nor its successors or heirs continuously for at least one (1) year
through Occupancy Verification Report (OVR) by the NHA
project coordinator and LGU concerned; and

c. Illegally occupied ~ by non-beneficiaries or their family.

Toward this end, a rational loan restructuring and condonation program
shall be instituted that takes into consideration the credit worthiness and


credit discipline of the borrowers, and the financial viability of the

lending institutions.

Section 5. Procedure. - NHA general guidelines to govern the NHA
Amnesty Act:

1. Inventory and Verification

NHA through the aid of the concerned Local Government Units
(LGUs) shall conduct an inventory and status of all covered NHA
housing/units enumerated in Section 4.

2. Amnesty

a. This Act shall cover the total condonation of all unpaid
amortizations/lease payments and association dues of the
awardees/ beneficiaries in the Socialized Housing Program of the
NHA, including any surcharges and penalties emanating thereto.
Upon effectivity of this Act, the individual delinquent payments
of the awardees shall be condoned and written off by the
Government thereby relieving them from the burden of payment
thereof.

b. Alll penalties and surcharges shall be condoned upon approval of
the restructuring application under this Act. Provided, that a
reasonable portion of the accrued interest on the housing loan
shall also be condoned, the amount or percentage of which shall
be determined by the Board of the NHA.

c. Provided, further, that all remaining accrued interests shall be
treated as non-interest-bearing principal to be equally repaid
during the term of the restructured loan.

d. Provided finally that the NHA shall have a detailed list of the
actual unpaid amortization payment for each awardee plus
penalties, interests, and surcharges in order to determine the
amount of total debts. Such copy shall be furnished to the House
of Representatives as part of Congressional Records.

3. Issuance of Certificate of Condonation

NHA shall issue a Certificate of Condonation in favor of the awardee
which shall be annotated in their Certificate of Entitlement to
Lot/Unit Allocation (CELA). Provided finally that the Condition and
Restriction of use and possession of awarded housing project
explicitly provided under RA 7279 shall still apply.


Section 6. Appropriation. - The funds necessary to carry out the initial
implementation of this Act shall be charged against available
appropriations of the NHA subject to existing budgeting, accounting
and auditing laws, rules, and regulations. 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).

Section 7. Separability Clause. ~ If any portion or provision of this Act is
declared unconstitutional, the remainder of this Act or any provision not
affected thereby shall remain in force and effect.

Section 8. Implementing Rules and Regulations. - The NHA and the
Department of Human Settlements and Urban Development are tasked
to promulgate the implementing rules and regulations within sixty (60)
days from the effectivity of this Act.

Section 9. Repealing Clause. - All other laws, acts, presidential decrees,
executive orders, issuances, presidential proclamations, rules, and
regulations or parts thereof, which are contrary to and inconsistent with
any provision of this Act, are hereby repealed, amended or modified
accordingly.

Section 10. Effectivity. - This Act shall take effect fifteen (15) days after
its publication in the Official Gazette or in a newspaper of general
circulation.

Approved,