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More Modalities, Still Limited Reach for the Poorest?: A Preliminary Assessment of the Expanded 4PH Social Housing Program


Positioned as the Philippine government’s flagship response to the housing crisis, the Pambansang Pabahay Para sa Pilipino (4PH) Program—led by the Department of Human Settlements and Urban Development (DHSUD)— targets informal settler families (ISFs) and the poorest households (those in the bottom 30% income deciles) as its primary beneficiaries. In July 2025, DHSUD launched the “Expanded 4PH”, adding new social housing modalities—homeownership through vertical or horizontal housing (Modality A), homeownership via the Expanded Community  Mortgage Program (ECMP) (Modality B), and rental housing (Modality C)—to supposedly accommodate the varying financial capacities of the poor. DHSUD has also increased engagement with civil society organizations (CSOs) active in urban poor and housing rights advocacy. This paper offers a preliminary assessment of these three modalities based on analysis of policy documents and news articles on the program; agency press releases and social media posts; as well as the authors' engagement with urban poor communities. The assessment finds that while the Expanded 4PH has broadened delivery mechanisms, persistent issues limit its reach to the poorest households. In Modalities A and B, high amortization costs, and rising housing price ceilings, rigid and prohibitive program criteria, and weak land governance effectively exclude the poorest; Modality B also inherits the long-standing limitations of the original CMP, including an inadequate loan ceiling for land acquisition and limited government intervention in land acquisition. For Modality C, the absence of detailed guidelines makes a definitive assessment premature, but the record of the implementing agency—the National Housing Authority (NHA)—raises concerns about repeating the issues of its off-city relocation program, the NHA's primary strategy for social housing delivery. Overall, the diversification of modalities has yet to resolve the core accessibility and affordability challenges of social housing for the poorest, shaped by broader structural issues such as low wages, precarious work, and weak land governance. Without addressing these, the Expanded 4PH—despite promising adjustments—risks falling short of its goal of providing housing for the poorest.


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