Republic of the Philippines
HOUSE OF REPRESENTATIVES
Quezon City

FIFTEENTH CONGRESS
Second Regular Session

5097

House Bill No.

Introduced by Representatives
DIOSDADO MACAPAGAL ARROYO and GLORIA MACAPAGAL ARROYO

AN ACT
INSTITUTIONALIZING A HOUSING PROGRAM FOR PUBLIC SCHOOL
TEACHERS, APPROPRIATING FUNDS THEREFOR AND FOR OTHER
PURPOSES

EXPLANATORY NOTE

The provision of shelter is a universally-recognized right of every man.
The opportunity to live within the comforts of your own home with peace, security
and dignity is everyone's dream. This is not so, unfortunately, for a great number
of Filipinos, among them teachers, despite the various housing programs being
administered by different national shelter agencies, such as the Home
Development Mutual Fund (PagIBIG Fund), the National Housing Authority
(NHA), the Government Service Insurance System (GSIS) and the Social
Security System (SSS).

As one of the main pillars of a sound and progressive society due to their
strategic role in shaping the future of our youth, our low-salaried teachers are
being left out as recipients to such housing programs due mainly to strict financial
requirements for a hausing loan nowadays. tl is only but proper and fitting that
goverment should recognize their efforts and sacrifices by allotting a portion of
its budget for their shelter needs. As teachers are considered among the
catalysts for national recovery, let us not forget that they are also our nation's
newest heroes. There is a need, therefore, to provide them affordable housing
units to boost their morale and improve their quality of life


This bill, therefore, aims to provide affordable housing to teachers at a
fixed low-interest rate with easy payment schemes and a long-term payment
period by institutionalizing a Housing Program for qualified Public School
Teachers whe have served at least five (5) years. To effectively implement the
provisions of this Act, a Housing Secretariat in every regional office of the
Department of Education (DepEd) shall be established which shall serve as a
liaison office for the applicant-public school teachers. Under the proposed
measure, participating non-government organizations (NGOs) and other private
development corporations or entities (0 the Program shall be granted tax
incentives

It is also the intent of this proposal to help attract others to enter the noble
profession of teaching given this special benefit.

In view of the foregoing, early passage of this proposed measure is
eamestly requested.

DIOSDADO PASAL ARROYO GLORIA -APAGAL ARROYO
Second District, Camarines Sur Secogd District, Pampanga

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Republic of the Philippines
HOUSE OF REPRESENTATIVES
Quezon City

FIFTEENTH CONGRESS.
Second Regular Session

5097

House Bill No.

Introduced by Representatives
DIOSDADO MACAPAGAL ARROYO and GLORIA MACAPAGAL ARROYO

AN ACT
INSTITUTIONALIZING A HOUSING PROGRAM FOR PUBLIC SCHOOL
TEACHERS, APPROPRIATING FUNDS THEREFOR AND FOR OTHER
PURPOSES

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 "Public School
Teachers Housing Program Act of 2011.”

SECTION 2. Declaration of Policy. — It is hereby declared the policy of the
State to promote sustainable human development by providing its people with
decent and adequate housing units at affordable costs. Pursuant to this policy
and to improve the quality of life of public school teachers, there is a need to
institutionalize a Housing Program in the Department of Education (DepEd) that
shall provide them the opportunity ta have a house of their own

SECTION 3. The Public School Teachers Housing Program. -The Public
School Teachers Housing Program, hereinafter referred to as the Program, shall
be institutionalized to provide housing loans strictly to qualified public school
teachers for an affordable housing units. It shall be administered by the DepEd
and shall have the following special features:


(1) Payable within a period of twenty (20) to thirty (30) years, depending
upon the age of teachers at the time of approval of the housing loan
application;

(2) With a fixed interest rate of five percent (5%) per annum, and

(3) Payment of equity of not more than five percent (5%) of the total
purchased price of the property.

SECTION 4. Creation of a Housing Secretariat in DepEd. — There shall be
created a Housing Secretariat in every regional office of the DepEd which shall
have the following functions:

{a) [ssue fan application forms and collect the necessary documents;

(b) Receive and process housing loan applications;

(c) Transmit the necessary documents to the appropriate housing
agencies;

(d) Deduct amortization from teachers on a monthly basis and remit the
same to the concemed financing agencies,

(e) Provide data on various government and private financing institutions
for housing loans; and

() Encourage the participation of local government units (LGUs),
nongavemmental organizations (NGO's) and private development
corporations or entities.

SECTION 5. Eligibility fo the Housing Program. ~— Any public schooi
teacher who possesses the following qualifications shall be eligible to the
Program, to wit:

a. He or she has a permanent appointment status;

b. He or she has rendered at least five (5) years teaching service;

c. He or she does not own any housing’ unit;

J. He or she has not yet availed of any housing program; and

e. He or she is not over sixty-five (65) years of age at the time of the filing
of loan application and must be insurable.

SECTION 68. Prohibition. - Sate or conveyance of the property subject of
the loan agreement or transfer of rights thereto shall be strictly prohibited, unless


the transfer shall be made in favor of a’ family member up to the second (2nd)
degree by consanguinity of the concemed public school teacher, or in the
absence thereof, to another qualified public school teacher.

SECTION 7. Financing Schemes of the Program. — The Program shall
provide the following financing schemes for the:

(a) Purchase of a fot and construction of a residential unit thereon;
(b) Purchase of any of the following:

1. Brand-new or old existing units;

2. Housing properties mortgaged with any institution; and

3. Foreclosed properties being disposed of through public bidding
or negotiated sale.

4. Purchase of a fully developed lot within a residential area;

5. Construction of a residential unit on a lot owned by the
beneficiary; and

6. Housing units offered at housing fairs by government financiat
institutions, NGOs and private development corporations or
entities.

SECTION 8. Participation of LGUs, NGOs and Private Development
Corporations or Entities. ~ Participating LGUs, NGOs and private development
corporations or entities shall be directed to identify possible housing sites for
purposes of this Act.

SECTION 9. incentives to NGOs and Private Development Corporations
or Entities Participating in the Program. — All transactions with respect to the
implementation of this Program actively undertaken by NGOs and private
development corporations or entities, shatl, be exempted from capital gains,
documentary stamp, value-added and transfer taxes,

SECTION 10. Appropriations. - For the initial implementation of this Act,
the amount of One Hundred Million Pesos (P100,000,000.00), shall be
appropriated out of the funds from the National Government not otherwise
appropriated. Thereafter, the amount necessary to carry out the provisions of
this Act shall be included in the budgetary allocations for the DepEd in the annual
General Appropriations Act.

SECTION 11. implementing Rules and Regulations. — The DepEd, in
coordination with the Home Development Mutual Fund (Pag-IBIG Fund), the

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National Housing Authority (NHA), the National Home Mortgage Finance
Corporation (NHMFC), the Home Guarantee Corporation (HGC) , the
Govemment Service Insurance System (GSIS), the Social Security System
(SSS) and the Department of Interior and Local Government (DILG), shall
promulgate the necessary rules and regulations to effectively implement the
provisions of this Act; Provided, That all existing housing programs for public
school teachers shall be incorporated under the Program.

SECTION 12. Annual Report. - Within ninety (90) days after the end of
every fiscal year, the DepEd shall render an annual report of its accomplishment
to Congress and to the Office of the President.

SECTION 13. Separability Clause. - if any provision of this Act, or any
part thereof be declared invalid or unconstitutional, the remaining provisions not
affected thereby shall continue in full force and effect.

SECTION 14. Repealing Clause. - All laws, presidential decrees,
proclamations, executive orders, rules and regulations or parts thereof,
inconsistent with the provisions of this Act are hereby repealed or modified
accordingly

SECTION 15. Effectivity Clause. - This Act shall take effect after fifteen
(15) days folowing its complete publication in the Official Gazette or in at least
two (2) newspapers of general circulation.

Approved,