REACHING LOW-INCOME HOUSEHOLDS WITH AFFORDABLE MORTGAGE FINANCE
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1 REACHING LOW-INCOME HOUSEHOLDS WITH AFFORDABLE MORTGAGE FINANCE M A R I A A N N A D E R O S A S I G N A C I O 4 SEPTEMBER 2015
2 WHO WE ARE KASAGANA-KA DEVELOPMENT CENTER INC. An NGO doing MF in Metro Manila and surrounding resettlement sites (established in 2002; SEC, DSWD, PCNC) 29,700 client-beneficiaries Programs (combination of loan products and services) business, education, health (with partners), microinsurance (with MBA), CBU, incremental housing, DRRM, other support services(sss, Philhealth, NSO, grant assistance), training and leadership formation GLP=Php180M (US$4M) PAR 1 = 1.74% Housing loans disbursed = 1,264 ( ) Total amount = Php25,126,700 (US$ 558,371) Average loan size = Php 19,878 (US$442) MICROFINANCE COUNCIL OF THE PHILIPPINES national network of (MFIs) 59 institutions 48 practitioners/regular members 26 NGOs 13 banks 7 cooperatives 2 regional networks 11 support institutions (associate members) MFI-NGOs GLP = PhP16,5 B (US$36.7M) covers about 2.8 million clients. With Banks and Coops ~ 4M clients
3 MCPI MEMBERS DOING HOUSING MF ASKI, ASHI, CARD, KDCI, PAGLAUM, SEDPI, TSPI Php 1, ,000 (UD$ ,667) All loans have a required CBU level; similar to other loan products Smaller loans make use of CB credit records and proof of residency Higher loan amounts are thru mortgage financing (Paglaum Coop) Uses Incremental housing (repairs and improvements, additional room/storey, toilet) Utilities (water re/connection, electical connection) Lot acquisition Site development Housing construction
4 HUH!?# Characteristics of affordable mortgage finance for low-income households Learnings in recent years on how to successfully deliver micro-mortgages Details of wholesale financing institutions interested in working with financial service providers to offer affordable mortgage finance designed for a low-income market
5 CHARACTERISTICS OF AFFORDABLE MORTGAGE FINANCE FOR LOW-INCOME HOUSEHOLDS Get that piece of paper!!! Increase value of property (incremental improvements) Educate them on the formal system Bridge them to existing mortgage and nonmortgage financing that will match their requirement (HDMF membership, CMP, LGU housing, etc)
6 CURRENT REACH OF MORTGAGE (SUBSIDIZED AND MARKET) FINANCE, IMPLIED BY MONTHLY FAMILY INCOME ALONE per capita income decile (2012) of region indicat ed 1st (poorest) Philippines Loan amortization as a % of ave family monthly income CMP (ave 80k, 6%, 25 yrs) CMP (max 250k, 6%, 25yrs) HDH (max 450k, 4.5%, 30yrs) HDMF (ave 300k, 4.5%, 30 yrs) BSP- HMF (max 300k, 70LTV, 15 yrs) CB (min 400k, 80 LTV, 11.5%, 20 yrs NCR Loan amortization as a % of ave family monthly income CMP (ave 80k, 6%, 25 yrs) CMP (max 250k, 6%, 25yrs) HDH (max 450k, 4.5%, 30yrs) HDMF (ave 300k, 4.5%, 30 yrs) BSP- HMF (max CB (min 300k, 400k, 80 70LTV, LTV, %, years) 20 yrs) nd rd th th th th th th th (richest) 4.1 Dr Toby C. Monsod s Table. Base data: FIES 2012, loan terms of SHFC (CMP, HDH), HDMF, BSP, various commercial banks
7 LEARNINGS IN RECENT YEARS ON HOW TO SUCCESSFULLY DELIVER MICRO-MORTGAGES BSP Guidelines on Housing Microfinance Reference Materials for AF Housing Summit\BSP 2010.pdf Housing microfinance loans increased by 9 percent to P263 million (US$5.8M) in 2013 from P242 million (US$5.4M) in 2012, while Microfinance Plus loans, which are loans of between P150,001 and P300,000 specifically designed for growing microenterprises, climbed by 34 percent to P111 million (US$2.47M) in 2013 from P83 million (US$1.8M) in 2012, the report said. BSP Report
8 DETAILS OF WHOLESALE FINANCING INSTITUTIONS INTERESTED IN WORKING WITH FINANCIAL SERVICE PROVIDERS TO OFFER AFFORDABLE MORTGAGE FINANCE DESIGNED FOR A LOW-INCOME MARKET A lot of work ahead of us Liquidity facility is one track Mindset change Apply value chain framework to housing Players Role of each How to strengthen play their role 5 Ps Partnerships (different size of service providers; skills set) Policy (land market, land administration & management) Planning (urban planning and connectivity) Program (matching) Processes (government bureaucracy, community organizations) Possible mix with existing facilities which may be cheaper
9 DIFFERENT GOVERNMENT PROGRAMS AND PRIVATE INITIATIVES EXIST: SHFC Community Mortgage Program Pag-IBIG HDMF Housing Loans Community Driven Shelter Projects NHA Relocation Programs BSP Housing Microfinance thru Banks Church-based housing projects BUT NOT ENOUGH [number, speed, quality]
10 Let us do it faster, smarter, better and together
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