Local Shelter Plan

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ii

MESSAGE of LCE

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ACKNOWLEDGEMENT

The LSP Technical Working Group would like to Thank, first and foremost the Housing and Urban

Development Coordinating Council for the technical assistance and guidance, the LCE for the support and

approval, for the SB of Banate for the Legislative cooperation, the Municipal Assessor’s Office, the Municipal

Engineer’s Office, the Provincial Population Officer, the Office of the Municipal Planning and Development

Coordinator and everybody who have extended support and knowledge making this endeavour a successful

one.

‐The LSP TWG

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ABSTRACT

With the increasing urbanization of the Philippines, development was believed to follow,

however the contrary happened, urbanization prove to bring with it health and socio‐economic

problems. The need to developed more infrastructures to support the building of healthy housing,

to some degree housing and neighborhood issues, degrading living condition in slums, where

environmental determinants lead to disease. Communicable diseases predominate in the said

areas, non‐communicable diseases are also growing disproportionately.

Rapid urbanization proved to have major environmental impacts; this was often

accompanied by low or medium economic growth rates. The authorities responsible for managing

the urban areas are often ill‐equipped to meet the housing needs of the population. As a result, the

majority of people live in slums, where individual households build their houses incrementally by

using their own savings.

The Municipality of Banate is no stranger to this phenomenon, experiencing the same

urbanization, action to counter act the said problem has been a dilemma for the LCE, tapping the

MPDC, a housing relocation was arrived upon as one of the remedies. However, lacking ideas on

what policies governs housing and relocation projects, help came from the Housing and Urban

Development Coordinating Council (HUDCC) the drafting of Local Shelter Plan was made.

The Local Shelter Plan will greatly help the municipality in formulating policies and steps in

combating the ill effects of Urbanization. It will guide the LCE on what benefits the affected

populace. The Housing includes the physical aspects of housing, such as the structural and design

features (e.g., house type, space, warmth, and dryness), whereas the concept of home refers to the

psychosocial dimension of housing and includes aspects of security, control, sense of attachment,

permanence, and continuity.

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Table of Content Chapter 1 ............................................................................................................................................... 1

INTRODUCTION ................................................................................................................................ 1

Rationale ......................................................................................................................................................... 1

Target Population ........................................................................................................................................... 2

Shelter Planning Process ................................................................................................................................. 3

The Process ..................................................................................................................................................... 3

The figure below can be inserted to illustrate the planning process ..................................................... 4

Structure and Timeframe of the Shelter Plan ................................................................................................. 5

Chapter 2 ............................................................................................................................................... 6

MUNICIPALITY OF BANATE/MUNICIPALITY OVERVIEW ...................................................... 6

Geographic Location & Features ..................................................................................................................... 6

Income and Poverty Incidence .............................................................................................................. 9

Existing and proposed Land Use ................................................................................................................... 10

Existing and Proposed Infrastructure ........................................................................................................... 14

Organizations, Institutions and Governance ................................................................................................ 16

Local Economic Outlook ................................................................................................................................ 16

Chapter 3 ............................................................................................................................................. 18

ASSESSMENT OF SHELTER NEED ............................................................................................... 18

Assumptions and Definitions ............................................................................ Error! Bookmark not defined.

Assumptions .................................................................................................................................................. 18

Definition of Terms ....................................................................................................................................... 19

Current housing situation. ............................................................................................................................ 20

Backlog .......................................................................................................................................................... 20

Future growth ............................................................................................................................................... 20

Summary of new units needed ..................................................................................................................... 21

Infrastructure upgrading needs .................................................................................................................... 21

Chapter 4 ............................................................................................................................................. 23

ASSESSMENT OF AFFORDABILITY ............................................................................................ 23

Affordability of Households for Housing ...................................................................................................... 23

Chapter 5 ............................................................................................................................................. 26

Assessment of Resources for Shelter Provision.................................................................................. 26

Resource Needed for Housing ...................................................................................................................... 26

Infrastructure Needed and Available for Housing ........................................................................................ 27

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Table 16. Assessment of Water Need vs capacity of Banate Water District .............................. 27

Table 17-. Assessment of Power Need vs capacity of ILECO III .............................................. 28

Table 18. Assessment of Drainage Need vs capacity of LGU .................................................... 28

Table 19. Assessment of Garbage Disposal Services Need vs Capacity of LGU ...................... 29

Finance requirements ................................................................................................................................... 30

Potential sources of funds for shelter provision ........................................................................................... 30

Chapter 6 ............................................................................................................................................. 31

WORK AND FINANCIAL PLAN ..................................................................................................... 31

Chapter 7 ............................................................................................................................................. 33

MONITORING SCHEME.................................................................................................................. 33

Chapter 8 ............................................................................................................................................. 34

SANGGUNIANG PANLALAWIGAN APPROVAL ....................................................................... 34

ANNEX 3. HOUSE DESIGNS .......................................................................................................................... 36

Fig. __. Rowhouse Perspective ............................................................................................................... 37

Fig. ___. Rowhouse Plan ......................................................................................................................... 38

Bibliography and References .............................................................................................................. 41

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List of Figures

Figure 1. Flow Chart of Activities Figure 2. Flood Map Figure 3. Landslide Map Figure 4. Existing Land Use Map Figure 5. Proposed Land Use Map

List of Tables

Table 1. Inventory of Informal Settlers in Banate, 2012 Table 2. Homelot Tenure Status Table 3. Household Population by Urban and Rural Barangay and Average Household Size, Year 2010 Table 4. Labor Force Population By Sex And Employment Status, Year 2011 Table 5. Existing bridge/locations and type of construction materials used Table 6. New Units Needed Due to Backlog Table 7. New Units Needed Due to Population Growth. New units needed due to population growth Table 8. Summary of New Units Needed Due to Backlog and Population Growth Table 9. Summary of Upgrading Needs Table 10. Infrastructure Table 11.Affordability Analysis and Land Need Calculation Table 12. Affordability Analysis and Land Need Calculation Table 13. Affordable Housing Options Table 14. Identified Lands for Housing Table 15. Table of Comparison Of Residential Land Requirements and Availability Table 16. Assessment of Water Need vs capacity of Banate Water District Table 17‐. Assessment of Power Need vs capacity of ILECO III Table 18. Assessment of Drainage Need vs capacity of LGU Table 19. Assessment of Garbage Disposal Services Need vs Capacity of LGU Table 20. Assessment of need for sanitary facility vs capacity of Municipality of Banate to provide Table 21. Estimated Project Cost Table 22. Potential Source of Funds Table 23. Work and Financial Plan

List of Acronyms

HUDCC – Housing and Urban Development Coordinating Council CLUP – Comprehensive Land Use Plan NSO – National Statistics Office POPCOM – Population Commission CPDBMP – Comprehensive Population Data Banking and Management Project

LGU – BANATE Local Shelter Plan 2013‐2022 Chapter 1

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Chapter 1

INTRODUCTION

Rationale

A roof over one’s head is not the basis of an adequate shelter. Though the municipality has ratio of one (1) dwelling unit to every household based on the U.N. component method wherein the number of households that are of acceptable standards, it has still to give appropriate action on the emergence of unacceptable dwelling units like barong‐ barong, etc. Since it cannot be denied that the accelerating cost of construction materials so with the accelerating cost of land for housing are the main problems that the average and low‐income earners cannot cope with. It is in this regard that the urban – based low – income earners give rise to the proliferation of shanties and makeshifts/barong – barong and likewise there is the absence of resettlement area for squatters, hence there is a need to establish low – cost housing project.

At present, the municipality has a total housing needs of 3,478 wherein 3,106 hh living are in danger areas based on the actual survey of municipality, priority problem that must be address by the lgu since these households. Another problem is the presence of makeshift houses in the urban area and the very poor housing condition of the houses particularly built along the coast.

Majority of the dwelling units in the locality are single‐type and are made of wood/mixed materials,

a combination of wood/nipa, wood/bamboo and lawanit. This type constitutes 59% of the total dwelling units, while 17% are concrete and 18 % are semi‐concrete. Makeshift houses still exist in the town. This constitutes 5% of the total dwelling units. In the Urban area, substandard/dilapidated dwelling units can still be found.

To answer the problem of those underprivileged and homeless as defined in R.A. 7279, there is a need for the Municipal Government of Banate to create Socialized Housing Plan to Formulate Measures and Project

Vision: Banate, An Eco‐Tourism Destination, Known For Its Famous Kasag Delicacies, Self‐Reliant, Dynamic, Proactive And Highly Responsive, Disaster Resilient Community With Healthy, Participative, God‐Loving And Empowered Citizenry Living In An Ecologically Balance, Progressive, Economically Diversified Municipality Under A Transparent, Accountable And Cohesive Political Leaders Goals:

To be able to provide affordable, decent and secured shelter to our informal settlers for a quality life.

Objectives:

1. To make available 16.8 hectares of land for housing beginning 2013 until 2022. 2. To lessen the displaced households by no less than 99 units annually beginning 2013 until 2022. 3. To minimize doubled‐up households by no less than 4 units annually beginning 2017 until 2022. 4. To bring down number of households needing land tenure upgrading by no less than 75 units

annually begin 2014 until 2020. 5. To upgrade existing drainage system or provide drainage to 211 households annually from 2014 to

2020. 6. To provide access to power connection to 216 households annually from 2014‐2019.


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7. To upgrade/provide access to potable water to 92 households annually from 2014‐2016. 8. To upgrade/provide sanitation facility to 39 households annually from 2013 to 2016. 9. To ensure proper garbage disposal to 37 households annually from 2013‐2016. 10. To facilitate access to employment and income generating activities of household beneficiaries.

Target Population

The target population of the municipality’s local shelter plan are the informal

settlers/families/households in danger areas such as those living along shorelines, rivers and creeks; those rent‐free occupants of private lands who may have secured the verbal consent of owners but there remains the possibility of either eviction or sale. Likewise included are the new households to be formed due to population growth.

Table 1 below shows that there are 316 households are living along rivers and creeks in barangays Carmelo and Bularan and 1,249 households are situated along the landslide prone areas in Barangays Managopaya, Magdalo and Juanico; there are 1,541 households are living along the flood prone areas in Baarangay Alacaygan, Zona Sur, Carmelo and Libertad totaling to 3,106 households as informal settlers.

Table 1. Inventory of Informal Settlers in Banate, 2012

Table 2 below shows that of the 6,666 occupied housing units, 2,293 or 34.4% are owned, 952 or 14.3 are rented, 2,894 or 43.4 are rent free with owner’s consent, and 527 or 7.9 are rent free without owner’s consent. Table 2. Homelot Tenure Status

Home lot tenure status No. of HH %

Rent free with owner’s consent 2894

Owned 2293

Rented 952

Without owner’s content 527

Total 6666

Source: CPDBMP, POPCOM 2011

Location Danger Areas TOTAL

Along Rivers & Creeks

Along Flood Prone Areas

Along LandSlide Prone Areas

No. % No. % No. %

Carmelo, bularan 316

Libertad, Zona Sur, Carmelo, Alacaygan

1,541

Managopaya, MAgdalo, Juanico 1,249

TOTAL 3,106


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Shelter Planning Process

Key players, their roles & responsibilities. The keys actors and their respective involvement or roles in the crafting of the Local Shelter Plan are enumerated below: a. Local Chief Executive (describe his roles in the crafting the LSP) b. Sangguniang Bayan

c. Department Heads (describe their roles in the crafting the LSP)

Municipal Planning & Development Office

Municipal Engineering Office

Municipal Assessor’s Office

Municipal Social Welfare & Development Office

d. HUDCC Region VI The Housing and Urban Development Coordinating Council (HUDCC) Region VI rendered the

necessary technical assistance through the conduct of a training workshop on the formulation of the Local Shelter Plan.

e. The housing agencies in Region VI

The housing agencies under the umbrella of HUDCC gave an extensive orientation on their various programs and assistance that the LGU can avail. These are in the form of technical assistance, financing through loans and also grants from the National Housing Authority, Pag‐IBIG Fund, Social Housing Finance Corporation and the Housing and Land Use Regulatory Board.

The Process

Figure 1 shows the shelter plan formulation process basically involves six main activities: data gathering, situational analysis, goal and objectives formulation, generation of shelter strategies; preparation of an implementation plan; and designing of monitoring and evaluation of scheme. A flow chart which includes the other but equally important sub‐activities to complete the whole process can be found in Figure 1.

The first main activity is Data Gathering. It involves retrieving documents and gathering information

from different agencies which will be the basis of computation or inputs for analysis. The second main activity is undertaking a Situational Analysis which is a process of looking into the

current housing situation, e.g., housing need; housing‐related problems of the locality; and the type of assistance the LGU can extend. In this phase, an assessment of affordability and resources is done. This is a critical activity as the information and outputs of this particular phase will be the basis for formulating the main strategies.

The third main activity is Goal and Objectives Formulation wherein the vision, goals, objectives or

targets of the local housing programs are set. This activity is an essential step in preparing local shelter plans because it provides the planners and evaluators of the housing program with a clear perspective of the desired change and the processes involved.


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The fourth main activity is Generating Shelter Strategies. This is undertaken after the planner has

been informed on the shelter needs of the Municipality of Banate/municipality and a conclusion has been arrived at after an analysis of affordability and resource requirements has been done.

The fifth main activity is Developing the Implementation Plan. Whereas in formulating strategies

the planner answers the question: “HOW CAN THE PROBLEM BE SOLVED?” the implementation plan answers the question: “WHAT NEEDS TO BE DONE?” by outlining the details involved in actually undertaking the strategy.

The sixth and last main activity is formulating the Monitoring and Evaluation System which will

provide the implementors immediate and relevant information to ensure effective and efficient delivery of shelter and shelter‐related services.

The figure below can be inserted to illustrate the planning process

Figure 1. Flow Chart of Activities


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Structure and Timeframe of the Shelter Plan

Structure. The Municipality of Banate Housing Board will recommend/recommended to the

Sangguniang Bayan the approval and adoption of the plan, as well as the creation of a housing office that will implement the housing projects that will lead towards the realization of the LSP. These will be/were translated by the Local Chief Executive into an Ordinance / Ordinance No. _____.

Time Frame. The plan has a timeframe of nine (9) years, covering the period 2013 to 2021. This is

broken down into three Planning Periods, namely:

a. First Planning Period covering 2013 to 2015 b. Second Planning Period covering 2016 to 2018 c. Third Planning Period covering 2019 to 2021


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Chapter 2

MUNICIPALITY OF BANATE/MUNICIPALITY OVERVIEW

Geographic Location & Features Location It is located 50 kilometers from the Municipality of Banate of Iloilo towards the tip of the province. It is bounded on the northeast by the Municipalities of Barotac Viejo and San Enrique. On the southeast portion is Banate Bay and on the west are the Municipalities of Dingle and Anilao. Geographically, its shape resembles a boat shoe with its island barangay as the heels. It is 13 kilometers long and 7 kilometers at its widest point. It has a total land area of 11,886 hectares. It is composed of 18 barangays, 7 of which are coastal and 11 belong to upland. The coastal barangays are San Salvador, Talokgangan, Bularan, Poblacion, Alacaygan, Zona Sur and Belen, while the upland barangays are Fuentes, Carmelo, Dugwakan, Libertad, Merced, Magdalo, Bariga, Bobon, De La Paz, Juanico and Managopaya. Land Area

The town’s total land area is 11,886 hectares, and constitutes about 2.18 percent of the total land area of the Province of Iloilo which is 554,465 hectares.The agricultural area constitutes the biggest portion of the town consisting 10,189.87 hectares or almost 86 percent of the total land area of the municipality. The open grassland constitutes the town’s second biggest portion which is 652.49 hectares; followed by forest land which is about 450.13 hectares; fishpond area, 387 hectares; mangrove area 86.87 hectares; residential land, 109.64 hectares; and industrial land, 10 hectares.

Climate

Banate’s climate is categorized as third type, that is; seasons are not very pronounced. It is relatively dry from November to April and wet during the rest of the year. The maximum rain periods are not very pronounced, with the short dry season lasting only from one to three months. The sea on the southeast and the forest in the opposite direction tempers Banate’s climate.

Topography: Banate is characterized with plain, gently sloping and rolling mountains . The hilly portion is found at Barangay Managopaya, Merced, Magdalo, Dugwakan, and Libertad. Soil Types

There are, three types of soil in the Municipality of Banate, namely: Alimodian, Clay Loam Barotac and Sta. Clay Loam . Approximately 70% of the total area are Alimondian Clay. This types is suitable to any kind of agricultural crops. Barotac loam constitute 23.5% Sta. Rita Clay loam ,6.5%. Vulnerability to Multiple Hazards Areas highly affected by flood during prolonged rainy days and siltation of rivers and creeks due to illegal structures like talaba farm, open fish cages (saluran), unspecified planting of mangroves (nipa) and denudation of forest are found in Alacaygan, Belen, Zona Sur, Dugwakan, Libertad, Magdalo, Merced, Bobon, Juanico, De la Paz, Talokgnagn, Managopaya, San Salvador and Carmelo . Part of Poblacion and Bularan ares also moderately affected by flood during prolonged rainy days and poor drainage system according to MGB report. Mountainous, hilly areas and those that borders rivers and streams, rivelets are susceptible to landslide but proper tree planting along these areas will effectively control.


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Landslide According to MGB, in terms of landslide susceptibility, each barangay was rated low, moderate or high.

The rating parameters are as follows:

HIGH:

Presence of active and/or recent landslides

Presence of numerous and large tension cracks

Areas with drainages that are prone to debris damming

Areas with numerous old landslides/encarpments

Steep slopes

Presence of weak/rock slope materials

Structures (joints, beds) dipping towards the slope face

Nearness to faults

MODERATE

Areas with indicative and/or old landslides

Presence of small tension cracks

Moderate slopes

LOW

Low to gently sloping

No evidence of mass movement

The result of the MGB Rapid Field Assessment per barangay is shown in Table

Figure 2. Flood Map


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Figure 3. Landslide Map

Urban Development Trends Population Size and Structure

The 2010 National Census on Population and Housing shows that Banate has a total population of 29, 543 excluding Brgy. Fuentes. However, including Brgy. Fuentes, (a contested Barangay between Banate and Anilao), it has a total population of 30, 231. The annual growth rate is 1.29%. Urban Population is 11, 932 while Rural Population is 18, 299. Based on the A & D area of 5,240.849 and a population of 30, 231, the municipal gross density is 5 persons per hectare.

Of the 30,231 total population, 14,813 or 49% comprises the male while 15,418 or 51% comprises the female. 21, 366 population 15 years and over employed is 9,988 unemployed 11,378 not in the labor force 8,865


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Table 3. Household Population by Urban and Rural Barangay and Average Household Size, Year 2010

Barangay Population Number of

Household

Average Household

Size

Barangay Population Number of

Household

Average Household

Size

A. Urban

1. Alacaygan 1,832 366 5 4. Dela Paz 2,295 459 5

2. Bularan 1,324 265 5 5. Dugwakan 639 128 5

3. Carmelo 3,068 614 5 6. Juanico 1,067 213 5

4. Poblacion 1,805 361 5 7. Libertad 2,601 520 5

5. Talokgangan

2,487 497 5 8. Magdalo 1,114 223 5

6. Zona Sur 1,416 283 5 9. Managopaya

1,250 250 5

Sub total 11,932 2,386 5 10. Merced 2,191 438 5

B. Rural 11. San Salvador

3,039 608 5

1. Bariga 1,703 341 5 12. Fuentes 688 138 5

2. Belen 1,004 201 5 Sub total 18,299 3,661 5

3. Bobon 708 142 5 Total 30,231 6,047 5

Source: CPDBMP, POPCOM 2011

Income and Poverty Incidence Income and Poverty Incidence. Based on the CPDBMP 2011 of the POPCOM, the municipality has 55.39%

poverty incidence; 22.14% of this or 1,476 households have income falling below the poverty threshold, while 77.53% or 5,168 households earns below the food threshold.

The potential of the community in commerce generally relies on its source of livelihood stated

previously. Strategically intersected by the national highway, trade and commerce finds its way easily to Banate. Convergence of products from neighboring towns happens at Banate in daily basis. Fruits and vegetables from parts of San Enrique, Btac Viejo and Anilao as well as marine products from Barotac Nuevo and Viejo were sold at Banate thus, categorized as the minor Central Business District (CBD).

Fishing boats lands and delivers their catch at three general schedules, 2am; 4am and 10‐11am.

The commonly know market day in Banate is Wednesday but Sunday and other ordinary days prove to be as commercially active as well. In addition to this, another market day is active on Sundays at Brgy. De la Paz, 12 kilometers inland from the Poblacion or town proper.

The public market is being cleaned and maintained only by three (3) personnel. Aside from this 3 personnel, there are 2 other personnel who are given assignments, 4 are to collect taxes everyday, the other to conduct inspection on meat products and the other to supervise everyday undertakings. During market day, there are about 5 personnel to augment the tax collection activity.

Surrounding the public market are privately owned business enterprises which retail variety of products which also serve as terminal and parking areas of various public utility vehicles.


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To date, there are four (4) major types of business or trade that are present in the municipality, wherein majority of these are concentrated in the public market. These included wholesale trade, retail, banking and finance and recreational and personal services.

Most of the residents engage in retail trade. In the Barangay Poblacion alone, as of CY 1998, there are 65 sari‐sari stores, 3 rice & corn dealers, 3 palay traders, 38 fish vendors, 2 auto supply, 2 hardwares, 3 gasoline station operators, 4 agricultural supply dealers, 4 butchers/meat dealers and 3 drugstores. Aside from the public market, majority of the retail trade which are spread in the barangays are sari‐sari stores which total to 198, bringing the number of retail trade in the municipality of Banate to 263. Meanwhile, the presence of sari‐sari stores in the barangay is a big help among the residents. Though incomplete and quite expensive, then somehow answer to their everyday needs. Then it saves a lot of time and effort for the residents in going to and from the public market.

For banking and finance, the municipality has three (3) banking institutions, Rural Bank of Marayo, Valiant Bank and RBG Imperial Bank, all located at Poblacion.

The municipality also caters to two (2) kinds of services. One is recreational and the other is personal. Meanwhile, the municipality has a total of personal services which are mostly located at the Public Market which include internet café/gaming stations, carinderia/refreshment, beauty parlors, photography studio and tailoring. Likewise Barangay Alacaygan, Bularan, Carmelo, Talokgangan, Belen and De la Paz also cater to personal services like carinderia/refreshments, funeral parlors, medical clinic and dental clinic.

As shown on Table 4, According to the 2011 POPCom Survey, out of 21,366 residents who are15 years

old and above, 9,988 are considered be economically active. This comprises of 6,591 or 21% males and 3,397 females or 11%.

Table 4. Labor Force Population By Sex And Employment Status, Year 2011

Municipality of Banate Pop'n. 15 yrs. &Over

Labor Force Not in the LaborForce Employed % Unemployed %

Male 10,755 6,591 21% 4,164 13% 4,878

Female 10,611 3,397 11% 7,214 23% 4,689

Total 21,366 9,988 11,378 8,865

Existing and proposed Land Use Settlement The Settlement area totals 145.86 hectares of the municipal area composed of General Residential, General Commercial and General Institutional. This is composed of the classified urban area of Barangays Alacaygan , Zona Sur, Poblacion, Carmelo & Bularan covering 48.09 hectares. Other built‐up areas are Barangays of Merced, San Salvador, Talokgangan , Libertad, De la Paz, Fuentes , Managopaya & Bobon.

As illustrated in the Land Use Plan, the proposed expansion is directed towards the inland Barangays. This pattern encourages development outside the Poblacion, particularly to the identified built‐up areas. In this regard, the proposed built –up areas will be increased from 145.86 hectares to 150.86, in order to complements the growth of population with the coming years. To accommodate low‐cost housing project construction and commercial establishments along major roads.


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Socialized Housing On the other hand, the municipality identified lots located at Barangay Carmelo and Magdalo having a

total area of 11.633 hectares for socialized housing to provide and give access to target beneficiaries presently occupying the area and the low – income families to own a lot of their own which is one of the government programs governed by RA 7279, otherwise known as the Urban Development.

Commercial:

The Municipal business district includes the public market located at Poblacion which is the center of commercial activity of the town and other commercial establishments scattered to various residential nodes in the urban area occupying an aggregate area of 1.0775 hectares or 0.24 % of the total urban area. Using the standard of 1.5 hectares per 15,000 population, the commercial area of the town is inadequate, hence needs to be expanded. However, in the poblacion to have expansion is quite impossible due to its very limited area. An increase of ‐‐‐ 03775 hectares located along the national roads will augment the limited area since Banate is fast growing and developing community. Another way to counteract this limitation is maximum utilization of existing area of public market. Thus by year 2020 commercial area will reach to ‐‐1.455 hectares or ‐‐‐0.32% of the total urban area. Institutional:

Roughly one percent of the urban core or 4.4 hectares are for institutional purposes. Those include among other government offices, schools, churches, health units and the like. As planned the institutional are will be increased from 4.4 hectares and 5.46 hectares to 6.46 hectares. The increase is for the proposed expansion of kiddies school and the proposed construction of other national agencies. The schools, churches and other institutional facilities found in the urban core will still maintain the area they occupy. Agricultural Zone

Agriculture is the primary source of the living of the residents of Banate. The Local Unit of Banate proposed that it will be adopted in the development policy that existing prime agricultural lands of the town shall be cultivated of the optimum and conserved as much as practicable. Idle potential agricultural lands shall be utilized for the production of crops. The proposed policy of the municipality is supportive to food production which is one of the national programs. Out of 11,886 hectares land area of the municipality, 10,189.87 hectares is agricultural land and 2,529.56 hectares are planted to rice, 1,066.50 hectares are planted to sugar cane, 67.50 hectares are planted to corn and the rest to secondary crops. Other agricultural land remains to be idle or vacant land.

Encroachment of other uses into these agricultural lands can hardly be avoided mainly because of the development of the settlement and services. Thus, from a total area of 10,189.87 hectares, it is projected to decreases to 10,151.65 hectares or 0.37 %of the total agricultural land in the next ten ( 10 ) years. However, the LGUs and NGAs have firm policy of regulating and controlling the conversion of prime agricultural lands to other uses to avoid unscrupulous use of these very productive areas. Establishment of non‐agricultural activities shall be encouraged in less productive or marginal lands. Agro ‐Industrial Zone The total area occupied by the existing industries comprises 10.0 hectares. These industries are in the form of rice mils, welding shop and vulcanizing shops, poultry farm, fish drying and processing, mini‐ice plant and the biggest is the Bambi Poultry Farm. These are scattered throughout the whole municipality usually at the centers of barangays. The area allocated to industries will be increased from 10 hectares to 12 hectares. The increase of area is for the proposed expansion of Bambi hog Farm and for other industries.


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Forest The forestland including the mangrove area constitutes 537 hectares or 4.52 % of the total area of the town. This can be found in the hilly portion of barangays Managopaya, De la Paz & Libertad while the mangrove area is found in barangays Alacaygan, Carmelo, Belen and Talokgangan.

The area occupied by the forest will be retained but reforestation will always be conducted in the area in order to maintain greenery of the locality and in answer to the government reforestation projects/programs stipulated in PD II53. Fishponds The area covering the fishponds in the town totals 387 hectares. There will be no increase of fishponds area in the Land Use Plan due to the recent laws and regulations that limit the conversion of swamp and marshes into other uses. Open Grassland There will be no proposed expansion of open grassland in the town. The existing area 652.49 hectares will be retained also. If there will be a plan of expanding the existing cemetery or creating a new park/recreational area within the planning period, the expansion will be taken from the classified open grassland adjoining the cemetery or the said project. Hibotkan Rock: The Sanctuary Hibotkan Rock, found along the municipal waters of Banate lies within the longitude of 10 degrees 55 minutes and 56 seconds Northeast. The rock was declared as a Marine Park in 1995, a Fish Sanctuary in 1996 and was provided for in Section 26 of the Municipal ordinance No. 97 – 07 . The Sanctuary was declared to allow the remaining coral reefs in the rock to grow and rejuvenate, providing breeding and nursery grounds for fishes and other organisms, for them to mature reproduce. The Sanctuary covers 2.20 hectares with about 22,032 square meters exposed during low tide. A core area was designated at the center of the rock extending about 250 meter radius from the rock which a restricted area. A buffer zone with a distance of 300 meters from the core portion is designated as a regulated fishing area where fishermen could use traditional fishing gears. Base on the reconnaissance survey conducted by ISCOF, the underwater topography of Hibotkan Rock is sloping with visibility ranging from 2 to 5 meters. Sand and rubbles covered the leeward side of the island where rubbles with thickness up to 2 meters extends to 50 – 100 meters from the shoreline of the Rock, a clear sign that the area was heavily blasted for the past years. Patches of coral were observed which indicate natural regeneration. Some species of seaweeds were also observed on this part of the islet. Infrastructure and Utilities The existing urban road which includes national roads, provincial roads, municipal roads and barangay roads occupy an aggregate area of 7.15 hectares or 1.62% of the urban area and by the year 2010 an additional area of 0.1295 hectares giving a total area of 7.2795 hectares or 1.59 % of the urban area due to the proposed construction of barangay road connecting Barangay Merced road and the national road going to Barangay Alacaygan. Cemetery The town has three existing cemeteries, two of which are located at Barangay Carmelo the Municipal Cemetery and the Roman Catholic Cemetery with an approximate are of 1.84 has. The one is located at Barangay Dela Paz which nine (9) kilometers from the Poblacion.


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Mangrove The mangrove area of the municipality total to 46.22 hectares. This is located in Brgy. Alacaygan,

Talokgangan, Belen and Barnagay San Salvador. Mangroves constitute an important coastal habitat for wildlife and provide considerable environmental functions like protection from erosion, contribution to water productivity, nurseries of commercial and shell fishes, stabilizing coastal zones by reducing typhoon and storm wind damage and serving as coastal pollutant sink trap. As a component of the coastal zone, mangrove forest is a biologically productive marine environment. As nurseries of the sea. Mangrove determines the productivity of the pelagic system. “ The mangroves have taken the countless millennia to evolve and establish their place in the endless food chain of the sea. But they could be destroyed within the lifetime of a man. If we are not careful, they will be.

Figure 4. Existing Land Use Map


14

Figure 5. Proposed Land Use Map

Existing and Proposed Infrastructure

Infrastructure/road network/communication. Out of the 18 barangays, the farthest is 13 km from the

town proper. Inner barangays could be reached by jeepneys and tricycles. There are more or less franchise 284 tricycles in Banate. In the Poblacion, trisikads are predominant. The island barangay of San Salvador which could only be reached by bancas and pump boats before, could now be easily reached by any land transportation with the completion of Talokgangan – San Salvador bridge. From Iloilo Municipality of Banate proper which is 50 km away, people travel by bus, jeepney, L‐300, Taxi’s or private vehicle. The adjacent municipalities in the province of Negros Occidental can be easily reached by roll ‐ on – roll‐off pump boat or motorized bancas. The 10 mini‐busses and 7 jeepneys in the municipality in addition to other vehicles from other municipalities, and concrete road network contribute to easy transportation to and from the Municipality of Banate of Iloilo. There are three (3) regular jeepneys going to municipality of Passi via Municipality of San Enrique.

At present, the municipality has a total road length of 109.4 kilometers or a road density of 2.07 kilometers per 100 hectares of land and based on the 2010 population of 30,231 it has a road density of 3.62 kilometers per 1,000 population. The rural area has a road length 82.20 or a rural road density of 1.75 per 100 hectares and with a population 18,299 it has a rural road density of 4.49 per 1000 population. Meanwhile, the urban area has a road length of 6.150, or an urban road density of 0.13 kilometers per 100 hectares and with a population of 11,932, it has an urban road density of 0.51 kilometers per 1000 population. (See Table T‐79).

A total of 8.0 kilometers are classified as national roads, 13.050 kilometers are provincial roads, 3.730 kilometers are municipal roads and 84.62 kilometers are barangay roads. Of the total 109.4 kilometers, a total


15

of 4.08 kilometers or 3.76 % are concrete, 8.22 kilometers or 7.6% are asphalt; where as a total of 52.6375 kilometers or 48.56 % are gravel and 43.4625 kilometers or 40.09 % are earthfill.

Table 5 shows that existing bridges, location and type of construction as of CY 2012. Of the 5 bridges, 2 are considered as national bridge, 2 as Provincial Bridge and 1 as barangay bridge. Banate has 1 fishing port that also serves the nearby or neighboring towns, especially the central towns of Iloilo like Pototan, Dingle, Calinog, Lambunao and others. The port is located at the back of the Municipal Building, with a 350 meters long sea walk. It also serves as the municipal port of water vessels traveling to and Negros Province.

The Municipal designated the area in front, back and left portion of the public market as the parking area of various tricycles that travel or with a rout around the Poblacion and other Barangays. The national road fronting the public market. The right portion in front of the public market 30 m away from the national highway is designated PUJ’s, PUB’s, L‐300 and taxi’s as loading and unloading area. At present, the municipality has 3 gasoline station to cater to the needs of this vehicles. Table 5. Existing bridge/locations and type of construction materials used

Bridge Name Location Barangay

Type of Construction Materials Remarks General Condition

Concrete Steel Wood Others

L W LC L W LC L W LC L W LC

1.Gawahon Bridge

Libertad 15 7 5 T Newly Constructed

2. Tubod Bridge De la Paz 15 7 3T

3.Monfort‐VigilarBridge

Alacaygan 49.37 10 15T Newly Constructed

4.Balandra Bridge Merced 30 10 15T

5.Talokgangan/San Salvador Bridge

Talokgangan 45.72 10 10T

ROAD: Merced – ZonaSur (Propose) Beneficiaries of this part come from different parts of the province especially those who would like to avoid the traffic jam and crowded part in Iloilo. The provincial road extending from Banate to PassiCalinog and finally the towns in Capiz ,Aklan and Antique made it accessible to pass in this port on their way to and from Negros Province. The bon fare rate is another factor why passenger fluch in this port and perhaps the proximity of Negros Province from Banate to Tuburan , E.B. Magalona which is 17 miles or 45 minutes to 1 hour trip via the water vessels treasuring in this area. Provision of facilities such as passengers terminals warehouse for cargoes convenient docking area surely enhance the development of this port which will finally promote its patronage and acceptance to the riding public. This will in the evened uplift trade and commerce in the municipality this fulfillment of our vision is feasible. Another vital proposal in our land use plan is the construction of Merced, Zona Sur, Road which is another factor in the enhancement of transportation sector . This road will re route the traffic the congested urban area or commercial district of the town outside so that the flow of traffic will not be a problem especially during special occasion say parades, processions or during market days. Vehicles could pass in this re route road to avoid the congestion in the urban center. This will also serve circumferential road so that mobility is enhanced and promoted.


16

In Telecommunication, PLDT, Smart and Globe serve the municipality with internet services. Mobile phones provide a good alternative in both lowland and upland areas through service providers like SMART, Globe Telecom and Sun Cellular.

Water Facility. In support to water, health and sanitation, the municipality has its own Banate Water

District which provides domestic water supply. Sources of potable water are primarily the Commercial Water Refilling Stations and deep wells certified

by the Rural Health Unit as potable water source. Municipal Health Office intensifies its campaign on health and sanitation by going to the barangays

every month to provide basic health services, including those related to sanitation. Power Facility. As to power facility, almost 100% of the barangays are ably served by the power lines of

the Iloilo Electric Cooperative III (ILECO III).

Proposed infrastructure. The proposed infrastructure includes the concreting of all the municipal roads and sidewalks, the construction of the Eco Park Multi‐Purpose Building, construction of Bagsakan Center, Improvement of Market Building (Fish and Vegetable Sections), Improvement of Municipal Port and additional reclamation area and the construction of the MRF Building .

Organizations, Institutions and Governance

There is a Local Housing Board present in the Municipality, this board will function as mandated by lawthe key housing agencies and other national government agencies involved in the delivery of housing and its related services – are these agencies’ programs and assistance accessible to the LGU?

The Municipality is ably powered by ILECO III, with minimal power disruptions and constant supply of electric power. Water is no longer a problem should there be a housing project located anywhere in the municipality, the willingness of the water facility and service provider can be availed readily. Communication and Transportation sector will also extend their help for the service of the banatenhons.

The private financing institutions is also willing to extend help on the financial aspect of the project, such as the transition on the habitat will be better for the occupants of the housing project.

CIDDS/KALAHI will also be accessible. Local Economic Outlook

The Municipality of Banate is a fourth class municipality with its livelihood strongly dependent in agriculture, fishing, trade, commerce and industry. The potential of the community in commerce generally relies on its source of livelihood stated previously. Strategically intersected by the national highway, trade and commerce finds its way easily to Banate. Convergence of products from neighboring towns happens at Banate in daily basis. Fruits and vegetables from parts of San Enrique, Btac Viejo and Anilao as well as marine products from Barotac Nuevo and Viejo were sold at Banate thus, categorized as the minor Central Business District (CBD).

In CY 2012, it has an income of P53,797,771.08 comprising local revenues amounting to P4,997,345.08 and Internal Revenue Allotment amounting to P48,800,426.00


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The agricultural area constitutes the biggest portion of the town consisting 10,189.87 hectares or

almost 86 percent of the total land area of the municipality. The open grassland constitutes the town’s second biggest portion which is 652.49 hectares; followed by forest land which is about 450.13 hectares; fishpond area, 387 hectares; mangrove area 86.87 hectares; residential land, 109.64 hectares; and industrial land, 10 hectares.

The total area planted to rice is 2,529.56 has. of which 1,106.70 is irrigated and 1,422,86 has. is dependent on rain or rainfed area. Banate’s topography is 0‐ 2.5% areas in a slope level category comprising 63% of the total land area and the rest 37% is distributed to forest and open lands. Most common source of family income is agriculture and fisheries, including livestock raising. Livestock most commonly raised in Banate includes, cattles, goats, swine and poultry. In fact there are five (5) commercial poultry and also five (5) piggery farms here in Banate.


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Chapter 3

ASSESSMENT OF SHELTER NEED Assumptions

a. Annual population growth rate between 1990 and 2010 is 1.29%. This rate will remain the same throughout the 10‐year period.

b. The Housing Stock is computed to be 6,383 based on 2010 data on HH

c. The Planning Period is from 2013. The displaced units is based on the 2010 Census on Population and Housing data on Households in Occupied Housing Units by Tenure Status of the Housing Unit: 2010.

d. Household size will remain the same at 4.84 (NSO, 2000) throughout the 10‐year period.

e. Displaced households are those that are in danger areas such as flood prone, landslide prone, along

the river banks/creek, and informal settlers along the coastal area.

f. It is assumed that there are no literally homeless in the Municipality.

g. Adequate land tenure refers to lands that are being owned, amortized and covered by lease.

h. The number of households needing tenurial, upgrading totals to 527 household presently scattered in the municipality.

i. The adequate power supply is defined as having the presence of ILECO III primary and secondary

lines in the area.

j. The adequate water supply means presence of Banate Water District lines and deep wells certified by the RHU as potable water source in the municipality.

k. The adequate sanitary facility is one that is households with water sealed toilet with a depository.

l. The adequate garbage disposal system means regular collection of garbage with proper sorting and

disposal and presence of material recovery facility within the area.

m. There are four barangays identified that needs upgrading of drainage system namely, Poblacion, Zona Sur, Bularan, and Talokgangan.

n. Units needing structural upgrading referred to unacceptable housing units made of

makeshift/salvaged materials and temporary/light materials.

o. There are 137 households identified that needs major repair.


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p. The PopCom Survey Result was used as reference in coming up with the income groupings used in the affordability:

o First Income Group – 4,200 & below (Drivers, Laborers, Small scale fishermen, Vendors, Household services, etc.

o Second Income Group – 4,201‐8,400 (Farming, Skilled workers, Pensioner’s, Employment in Government agencies & Private Firms, etc.)

o Third Income Group – 8,401‐12,600 (Traders, Brokers, Entrepreneurs etc.) o Fourth Income Group – 12,601‐16,800 (Professionals, Operators, OCW, etc) o Fifth Income Group – 16,801 & over (Businessmen, Public Officials, Doctors, etc)

Definition of Terms

Household – defined by NSO as a social unit consisting of a person or a group of persons who sleep in the same dwelling unit and have common arrangements for the preparation and consumption of food Displaced Units – units located in:

1. danger areas (esteros, railroad tracks, garbage dumps, river banks and flood prone areas

2. areas where government infrastructure projects are to be implemented 3. areas affected by court orders for demolition/eviction

Doubled‐Up Households (double occupancy) – exists when one dwelling unit is shared by two or more households Homeless – individuals or households living in parks, along sidewalks, and all those without any form of shelter Backlog – the number of dwelling units needed at the beginning of the planning period due to doubled‐up HHs, displaced units and homeless HHs/individuals Planning Period – covers the duration that will be needed to realize the housing vision of the LGU. Base Year – is the year before the first planning period or the last census year Program Period – is the time frame set by the LGU to meet the target housing needs due to backlog, population growth and upgrading needs. Housing Stock – is the number of households during the beginning of the first planning period minus the number of homeless households and/or individuals and divide the difference by the number of households per dwelling unit. This can also be the total number of occupied dwelling units. Upgrading Needs – upgrading means improvement / betterment. Aspects of upgrading are:

a) tenure b) infrastructure (water, power, sanitation, roads) c) structure


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Current housing situation. Municipality of Banate has a total land area of 447.68 hectares devoted for residential purposes.In

terms of House Construction Materials 3,284 or 49.2% are made of Temporary (Light Materials), 1,815 or 27.2 are of Semi‐Permanent (Combination), 1,430 or 21.5% of Permanent (Concrete), and 137 or 2.1% are makeshift/salvaged materials.

Of the 6,666 occupied housing units, 2,293 or 34.4% are owned, 952 or 14.3 are rented, 2,894 or 43.4 are rent free with owner’s consent, and 527 or 7.9 are rent free without owner’s consent.

As regards to lighting facility, only 4,584 houses are energized by ILECO III. For water facility, only 1, 222 use their own pipe water system or the community water system. Toilet facilities are varied. There are water‐sealed toilets exclusively used by the household, water‐sealed toilets shared with other households, closed pit, open pit, pail system and a considerable number (154 households) have no toilets at all. There are also instances where the households have separate toilets but share a common depository with neighbors.

Among the dominant problems related to housing in Banate is poor drainage system which results to flooding and continuous sprouting of houses along the coastal area. Another problem is the absence of strict enforcement and monitoring of the building permit which eventually contributed to the congestion of the place. One more problem identified is the lack of access by the poor to housing programs due to lack of complementation and coordination between the LGU and national agencies that should deliver housing services to the target beneficiaries. Backlog

There is no data on homeless households or homeless individuals in the municipality. Moreover, based on observation, there are no literal homeless in this locality. The backlog is therefore composed of the displaced units totaling to 992 households and the doubled‐up units or sharers, numbering some 25 households. These data reveal that 48.66% of the housing stock comprised the displaced units while .39% is doubled‐up. Lots should be made available for these 1,017 households because the displaced units need to be relocated to a suitable site which can give them secure tenure, and the sharers should be provided with their own home lot because ideally, one house should be occupied by only one household. Table 6. New Units Needed Due to Backlog

Total Annual Program Period

Doubled‐up (0.39% of HS) 25 4 2017‐2022 ( 6 yrs)

Displaced 992 99 2013‐2022 (10 yrs)

TOTAL 1,017

Note: As computed. Future growth

The average annual population growth rate of the Municipality is computed to be 1.29 per cent based on the 2000 and 2010 Census on Population. Using this growth rate, the population was projected for the planning period 2010 to 2020 and the corresponding increase in the number of households or what is likewise referred to as future need, was computed to be 877 units

New units needed Due to Population Growth. The annual population growth rate of Banate is 1.29 percent. Based on this growth rate, the population was projected for the whole planning period.


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Table 7. New Units Needed Due to Population Growth. New units needed due to population growth

TOTAL ANNUAL

I. Planning Period 2013‐2016 337 84

II. Planning Period 2017‐2019 265 88

III. Planning Period 2020‐2022 275 92

TOTAL 877

Note: As computed. Summary of new units needed

The total housing need of Banate for the period 2013 to 2022 is 1,894 units. This is composed of the backlog and units needed due to population increase. Table 8. Summary of New Units Needed Due to Backlog and Population Growth

TOTAL

I. Planning Period 2013‐2016 735

II. Planning Period 2017‐2019 575

III. Planning Period 2020‐2022 584

TOTAL 1,894

Note: As computed. Tenure Upgrading Needs. In the Municipality of Banate, those needing tenure upgrading comprise

about 8.26 % of the housing stock or 527 households as shown in Table 9. The Municipality of Banate plans to upgrade the status of these households between 2013 and 2022. This is translated to assisting 75 households annually in accessing security of land tenure through various schemes such as the Community Mortgage Program, the direct purchase scheme and other similar programs.

Table 9. Summary of Upgrading Needs

% of housing stock

Total

Annual

Program Period

1. Tenure Need 8.26 527 75 2014‐2020

Infrastructure upgrading needs

Table 10 presents the upgrading needs in terms of infrastructure and other related services in the Municipality of Banate. As shown in this table, there are 1,298 households that need upgrading of power facility. This represents 20.34% of the housing stock. The LGU plans to render assistance to them from 2014 to 2019. This translates into 216 households to be assisted annually.

Table 10 likewise shows that there are 276 households that need upgrading of water facility. This

comprises 4.32% of the housing stock. From 2014 to 2016, the LGU plans to assist 92 households every year in upgrading their access to water facility.

There are 154 households (2.41% of housing stock) that still need upgrading of sanitary facility.

From 2013 up to 2016, approximately 39 households are targeted for assistance in order to upgrade their sanitary facility.


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The drainage system within the housing sites in the Municipality of Banate is not working very well. There is still a need to upgrade this basic facility so that 1,476 households (23.12%) will enjoy better drainage. Garbage disposal is one of the top worries of the Municipality of Banate. There are 4,224 hh or 66.17% households is targeted for better garbage collection or disposal services henceforth with annual rate of 603 hh. Table 10. Infrastructure

% of housing stock

Total

Annual

Program Period

2. Infrastructure Need

Units w/o electricity 20.34 1,298 216 2014‐2019

Units w/o adequate water supply 4.32 276 92 2014‐2016

Units w/o adequate sanitation 2.41 154 39 2013‐2016

Units w/o drainage system 23.12 1,476 211 2014‐2020

Units w/o regular garbage collection 66.17 4,224 603 2013‐2020


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Chapter 4

ASSESSMENT OF AFFORDABILITY Affordability of Households for Housing

Based on the 2010 NSO data, it can be safely simulated that of the 1,017 new units needed due to backlog and population growth for the period 2013‐2022, around 85% of these are needed by those earning below P4,200.00 per month, 7% needed by those earning P4,201 to P8,400 monthly, 4% are needed by people whose monthly income is between P8,401 to 12,600, while 2.5% is needed by those earning P12,601 to P 16,800 monthly, and the remaining 1.5% is needed by those earning P 16,801 and above every month. This means that most of those in need belong to the lower income bracket.

a. First Income Group – 4,200 & below (Drivers, Laborers, Small scale fishermen, Vendors, Household

services, etc. b. Second Income Group – 4,201‐8,400 (Farming, Skilled workers, Pensioner’s, Employment in

Government agencies & Private Firms, etc.) c. Third Income Group – 8,401‐12,600 (Traders, Brokers, Entrepreneurs etc.) d. Fourth Income Group – 12,601‐16,800 (Professionals, Operators, OCW, etc) e. Fifth Income Group – 16,801 & over (Businessmen, Public Officials, Doctors, etc)

Table 11 shows that out of 1,894 new units needed due to backlog and population growth for the

period of 2012 to 2020, approximately 85% or 1,610 of these are needed by households belonging to the 1st income group, 7% or 133 units are in the 2nd income group, 4% or 76 units are in the 3rd income group and 2.5% (48 units) and 1.5% (28 units) and in the 4th and 5th income groups, respectively.

Table 11.Affordability Analysis and Land Need Calculation

Income Group 1st 2nd 3rd 4th 5th Income (minimum, maximum) Below 4,200 4,201‐8,400 8,401‐12,600 12,601‐16,800 16,801 Over

% of new units 85% 7% 4% 2.5% 1.5%

Number of units (1,894) 1,610 133 76 47 28

Typical monthly income 2,500 6,300 10,500 14,700 21,000

Potential % of income for upgrading / new housing

12% 15% 15% 20% 20%

Potential annually for capital cost of housing

3,600 11,340 18,900 35,280 50,400

Loan Terms

* Interest rate 6% 6% 6% 6% 7%

* Repayment period, years 30 yrs 30 yrs 30 yrs 25 yrs 25 yrs

Affordable housing loan 49,554 156,095 260,159 450,984 587,362


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Table 12 further shows the various potential percentages of the household income that can be used to pay for their housing. Based on their typical income and the percentages of income for housing, the affordable housing loans were computed using the prevailing loan terms (interest rate and number of years to pay) of the government housing programs. For the first income group, their affordable housing loan should not exceed PhP 49,554, for the 2nd income group, it should not exceed PhP 156,095, those belonging to the 3rd income group can afford a loan amounting to PhP 260,159, 4th income group can have a maximum loan of PhP 450,984, and lastly, the 5th income group’s affordable loan is approximately PhP 587,362. All these have a loan term of 6% per annum for 1st to 4th income group and 7% per annum for the 5th income group, payable in 30 years for the first, second and third income groups, 25 years for the fourth and fifth income groups.

Table 12. Affordability Analysis and Land Need Calculation

Income Group A B C D E

Income (minimum, maximum)

Below 4,200 4,201‐8,400 8,401‐12,600 12,601‐16,800

16,801 Over

Affordable housing loan

49,554 156,095 260,159 450,984 587,362

Affordable option a 64 sq.m underdeveloped land (48,128.75)

b 48 sq.m. underdeveloped land with 18 sq. m. with row house (153,215.40)

c 48 sq.m. underdeveloped land with 22 sq. m. with row house (10 units/block) (243,999.28)

d 130 sq.m. developed land with 20 sq.m. duplex house (397,122.88)

e 130 sq. m developed land with 25 sq.m. single detached complete house

(447,597.00)

Affordable Housing Options. Based on the estimated costs of land and land development, five (5)

affordable housing options were designed, one for each of the five income groups. These Affordable Housing Options are shown in Table 12.

For the first income group, Option A is recommended. It cost 48,128.75 for a 64 sq.m. Underdeveloped land at P70.00/sq.m. The land development, estimated at P400/sq.m is for the construction of a macadam road, open canal, power and water lines. This is within the affordability of this income group. For the second income group, Option B is recommended. It cost 153,215.40for a 48 sq.m. Underdeveloped land with 18 sq. m. with row house at P70.00/sq.m . The same land development components will be introduced at P350.00/sq. m.

Option C is recommended for the third income group. It cost 243,999.28for a 60 sq.m. Underdeveloped land with 20 sq. m. with row house (10 units/block at P150.00/sq.m). The land development component is at P 300.00/sq.m.


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For the fourth income group is Option D. This is a house and lot package with a lot size of130 sq.m. and a 20‐sq.m developed land with duplex house. Costing approximately 397,122.88, this option is likewise within the affordability level of the fourth income group.

For the fifth income group, the proposed Option E costs 447,597.00. This is a house and lot package with a lot size of 130 sq.m., and developed land with 25 sq.m. single detached complete house .

Table 13. Affordable Housing Options

Main Options

Lot Size /unit

Total land need

Land cost (P)

Cost of Infrastructure (P)

Cost of House

Construction (P)

12% Indirect Cost (P)

TOTAL UNIT COST (P)

(m2 ) (m2 ) / m2 /unit / m2 /unit / m2 /unit

a. Developed land with open canal, power and water lines, macadam road 6

4

91.43

70

6,400.10

400

6,568

CIDSS

5,156.65

8,128.75

b. Developed land with open canal, power and water lines, macadam road

48

68.57

70

4799.90

350

3,999.50

6,000

108,000.00

16,416.00

53,215.40

c. Developed land with open canal, power and water lines, macadam road w/ 18 sqm. Duplex (core house) 4

8

68.57

150

10,285.50

300

0,571.00

,500.00

187,000.00

26,142.78

43,999.28

d. Developed Land with 28 sq.m. single

64

91.43

1,8000

164,574.00

9,500.00

190,000.00

42,548.88

97.122.88

e. Developed land with30 sq.m. complete house

48

68.57

2,000

137,140.00

10,5000.00

262,500.00

47,957.00

47,597.00

Based on the lot sizing of the five income groups, it was estimated that the total land needed by the Municipality of Banate to accommodate the households that need new units is approximately 63.21 hectares.


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Chapter 5

Assessment of Resources for Shelter Provision

Discuss the resources needed to address the housing need in order to realize the housing vision of the Municipality of Banate/municipality. Present also the resources available for housing that can be tapped or accessed. These resources are in terms of LAND, INFRASTRUCTURE and FINANCE/FUNDS for housing and its related services. Innovative technologies for housing can also be cited as a resource in case it is used in the locality and proves to be beneficial to the majority of those needing housing assistance. Then, make a comparison between the resources needed and available to determine whether resources available are sufficient or inadequate. Resource Needed for Housing

Land. For the land resources, Table ‐‐ below shows that Banate has more than enough land to address the residential land requirement for the next 15 years. The small lot sizes allocated in the housing options is actually due to low affordability of the target beneficiaries rather than to land availability.

It is also shown on the table that of the total 71.633 hectares inventoried lands, about 18 hectares

are allotted for economic housing, while a bigger portion accounting for 42 has. or 58.632% are potential for socialized housing and 11.633 has or 16.239% identified sites for socialized housing.

The said land are sufficient and suitable for housing, relatively flat and moderately rolling.

Table 14. Identified Lands for Housing

Note: Map of the locations of the inventoried lands would enhance the presentation of information.

Table 15 shows that there is sufficient land that can be accessed or used by the Municipality of Banate for housing purposes.

LAND OWNER AREA IN HECTARES

% LOCATION SUITABILITY/ CONDITION

1. For Socialized housing

a. National gov’t. land

b. LGU’s land Rural Suitable for housing

c. Private land: ‐ identified for socialized housing ‐ potential for socialized housing

11.633 has.

42 has 16.23958.632

Rural Rural

Suitable for housing Relatively flat and moderately rolling

Total land for socialized housing 53.633 has. 74.871

2. For economic housing 18 has. 25.128 Urban growth center

Total land available for housing 71.633 has. 100


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Table 15. Table of Comparison of Residential Land Requirements and Availability

LAND REQUIREMENTS (Hectares)

LAND AVAILABLE (Hectares)

REMARKS

Socialized Housing

16.8 53.633 has. Sufficient supply of land however, if LGU’s land will be the only factor under consideration, it is lacking.

Economic Housing

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TOTAL 16.8 71.633 has. Sufficient

Infrastructure Needed and Available for Housing

Infrastructures. This portion attempts to come up with an assessment of the infrastructure and related needs vis‐à‐vis the capability of the service providers in the Municipality of Banate.

Table 16 reveals that the service provider of potable water cannot cope with the demand between 2014 to 2016; which more than 50% deficit. However, by 2017 until 2022, the deficit is no longer that big, the capacity of the Municipality of Banate BWD is still not sufficient to address the need. Table 16. Assessment of Water Need vs capacity of Banate Water District

Table 17 presents the need for power versus the capacity ILECO III, the power provider. The

figures show that the annual capacity of the Municipality of Banate of ILECO III is only 150 new connections every year while the need between 2012 to 2019 is over 3,749 connections. To resolve this, the LGU plans to source out additional financial assistance to augment the capacity of ILECO III. However, by 2020 to 2022, it is estimated that ILECO III’s capacity is already sufficient to address the need.

YEAR NEW UNITS SERVED ANNUALLY

NEW UNITS NEEDED ANNUALLY Remarks

New sites Upgrading sites Total

2013 246 395 395 Not sufficient

2014 246 395 58 453 Not sufficient

2015 246 395 58 453 Not sufficient

2016 246 396 58 453 Not sufficient








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Table 17‐. Assessment of Power Need vs capacity of ILECO III

Table 18 shows the need for drainage facility within housing sites versus the capacity of the LGU

to provide such service. The figures show that the annual capacity of the LGU is to provide drainage to only about 150 households, while those in need between 2014 and 2020 totals to over 4000. By 2021 up to 2022, the need is projected to decrease but it is still way above the present capacity of the LGU. To bridge this gap, the LGU plans to prioritize drainage facility construction in the Annual Investment Plan for Infrastructure Program.

Table 18. Assessment of Drainage Need vs capacity of LGU

Table 19 reveals the number of households needing upgrading of services in order to meet the

adequate garbage disposal system within housing sites versus the capacity of the LGU to provide such service. The figures show that the annual capacity of the LGU is to serve 1,280 households. This shows that the capacity of the LGU to attend to the proper garbage disposal system is more than sufficient.

BASIC SERVICES

NEW UNITS SERVED

ANNUALLY

NEW UNITS NEEDED ANNUALLY

Total Remarks

New sites

Upgrading sites


2014 150 395 224 619 Not sufficient

2015 150 395 224 620 Not sufficient

2016 150 396 224 623 Not sufficient

2017 150 399 224 628 Not sufficient

2018 150 404 224 628 Not sufficient

2019 150 404 224 631 Not sufficient

2020 407 407 Sufficient



BASIC SERVICES

NEW UNITS SERVEANNUALLY

NEW UNITS NEEDED ANNUALLY Total Remarks

New sites Upgrading sites


2014 150 395 211 606 Not sufficient

2015 150 395 211 606 Not sufficient

2016 150 396 211 607 Not sufficient

2017 150 399 211 610 Not sufficient

2018 150 404 211 615 Not sufficient

2019 150 404 211 615 Not sufficient

2020 150 407 211 618 Not sufficient

2021 407 407

2022 406 406


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Table 19. Assessment of Garbage Disposal Services Need vs Capacity of LGU

Table 20‐ indicates the need for sanitary facility versus the capacity of the LGU to provide such

service. The figures show that the capacity of the LGU to upgrade and/or provide sanitary facility is good only for about 50 households every year, but those in need of this service between 2013 to 2016 is estimated to be 434 households annually; between 2017 to 2022 the need is projected to decrease to about 399 to 407 annually;the need will continue to gradually decrease but the capacity is predicted to likewise decrease, thereby making the service insufficient to address the need. To bridge this gap, the LGU will endeavor to source out additional funds for the upgrading of sanitary facilities.

Table 20. Assessment of need for sanitary facility vs capacity of Municipality of Banate to provide

BASIC SERVICES

NEW UNITS SERVED

ANNUALLY

NEW UNITS NEEDED ANNUALLY Total Remarks


2013 1280 395 603 998 Sufficient

2014 1280 395 603 998 Sufficient

2015 1280 395 603 998 Sufficient

2016 1280 396 603 999 Sufficient

2017 1280 399 603 1,002 Sufficient

2018 1280 404 603 1,007 Sufficient

2019 1280 404 603 1,007 Sufficient

2020 1280 407 603 1010 Sufficient

2021 1280 407 ‐ 1010

2022 1280 406 ‐ 406

BASIC

SERVICES

NEW UNITS SERVED

ANNUALLY

NEW UNITS NEEDED ANNUALLY

Total Remarks


2013 50 395 39 434 Insufficient

2014 50 395 39 434 Insufficient

2015 50 395 39 434 Insufficient

2016 50 396 39 435 Insufficient

2017 50 399 399

2018 50 404 404

2019 50 404 404

2020 50 407 407

2021 50 407 407

2022 50 406 406


30

Finance requirements

Table 21 below shows that the estimated project cost for all the proposed housing assistance for the period 2013‐2022 amounted to P312,636,171.45. The potential sources of funds are the revenue of the Municipality of Banate government and the Social Housing Finance Corporation, particularly for lot purchase; the national shelter agencies such as the National Housing Authority and the Pag‐IBIG Fund can be tapped to finance the land development and house construction. There are likewise other fund sources that can be later on identified and tapped by the Municipality of Banate.

Table 21. Estimated Project Cost

Income Group

No. of Units Cost of Affordable Housing Option

(P)

Total Cost

(P)

First Income Group 3,407 48,128.75 163,974,651.25

Second Income Group 281 153,215.40 43,053,527.40

Third Income Group 160 243,999.28 39,039,884.80

Fourth Income Group 100 397, 122.88 39,712,288.00

Fifth Income Group 60 447,597.00 26,855,820.00

TOTAL PROJECT COST P 312,636,171.45

Potential sources of funds for shelter provision

AGENCY/ ORGANIZATION

NAME OF PROGRAM COMPONENT (land dev, house construction,

purchase of land, etc.)

COST (per year)

NHA Resettlement Assistance Program for LGUs

• Site Devt. • Upgrading of sites & facilties

‐‐ ‐‐

HDMF Group Housing Loan Program for LGUs

• Site devt. • Housing

‐‐ ‐‐

SHFC LCMP Lot purchase ‐‐

NGO/GK ‐‐

LGU ‐‐

Bonds?

Taxes?

TOTAL ‐‐


31

Chapter 6

WORK AND FINANCIAL PLAN Table ‐‐. above spells out the details of the Local Shelter Plan in terms of work program and financial plan. The table shows the programs, projects and activities per strategy identified which are all geared towards the realization of the various objectives. The table also shows the responsible agencies, the resources that are needed to implement the plan, the fund sources and the schedule of implementation of each activity. Table ‐‐. WORK AND FINANCIAL PLAN

Objective Strategy PROGRAM/Project/ Activity Responsible Agency

Resources Needed

Schedule What? How Many?

Cost Fund Source

To make available 16.8 hectares of land for housing beginning 2013 until 2022

Identification of Lands in the Municipality suitable for Socialized Housing

Inventory of Lands in the Municipality suitable for Socialized Housing

Mun. Assessor

DB Assyss Query and Reports

800,000 Annually

2014‐2016

Sourcing out of fund Implementation of Section 7 & 8 of R.A. 7279 *Purchase of available suitable lands for socialized housing

SB, MO, MPDC

2014‐2016

To lessen the displaced households by no less than 99 units annually beginning 2013 until 2022

Creation of the Local Housing Board Passage of an Ordinance creating the Local Housing Board (LHB) by the Sangguniang Bayan

SB, MO Legislative Support

Last quarter of 2012

Validation of identified informal settlers

Conduct house to house inspection MPDC BBBRMCI

Data Base 50,000

1st quarter of 2013

Registration of potential socialized housing beneficiaries Organizing the Beneficiaries into an entity which could execute legal instruments

Master listing of Targets Orientation, Seminars and Workshops

MPDC LHB, NHA

Data Base Cohesive Organization Budget Allocation

50,000 50,000

Beginning of 4nd quarter of 2013 End of 4nd quarter of 2013

To minimize doubled‐up households by no less than 4 units annually beginning 2017 until 2022

Advocacy program on the importance of owning a house

Conduct of meetings/assemblies MPDC, SB 2014

To bring down number of households needing land tenure upgrading by no less than 75 units annually beginning 2014 until 2020

Formulating criteria for prioritizing recipients

Preparation of criteria Orientation/briefing of the selected beneficiaries

MPDC Mun. Assessor SB

Budget Allocation 50,000 2014


32

To upgrade existing drainage system or provide drainage to 211 households annually from 2014 to 2020

Inspection and evaluation of the existing situation of the drainage system

Preparing the Plans and POW Construction/rehabilitation of drainage system

MEO, MO Budget Allocation 5M 2014‐2016

To provide access to power connection to 224 households annually from 2014 to 2019

Identification of households w/o access to power

Linkage with ILECO III to successfully identified the target beneficiaries Master listing and Validation of Target Beneficiaries Facilitate power connection of identified households

MO, MEO, ILECO III SB

Data base 2014‐2019

To upgrade / provide access to potable water to 58 households annually from 2014 to 2016

Identification of households w/o access to water

Master listing and Validation of Target Beneficiaries Establishment of Barangay Water District (BWD)

MEO,BWD, MPDC,MSWD

Data base 200,000 2014‐2016

To upgrade / provide sanitation facility to 39 households annually from 2013 to 2016

Provision of water sealed toilet facility

Construction of water sealed toilets Master listing and Validation of Target Beneficiaries

MEO,MHO 500,000 2013‐2016

To ensure proper garbage disposal to 603 households annually from 2013‐ 2020

Advocacy on solid waste management

Conduct information education campaign (IEC) on proper waste disposal Implementation and Compliance of RA 9003

MO MPDC MENRO

50,000 2013‐2020

To facilitate access to employment and income generating activities of household beneficiaries

Introduce livelihood projects Organize into a Cooperative

Conduct training on livelihood program Conduct Orientation on Importance, Benefits and Policies of a Cooperative

TESDA, DA, MSWD

300,000

2014‐2020

Enroll children of identified beneficiaries to TESDA/ALS programs

Job placement to graduates MSWDO, MO, TESDA

300,000 2014


33

Chapter 7

MONITORING SCHEME

Identify each key result area that needs to be monitored and evaluated in order to determine whether the plan is being realized or not.

LGU: _______________________ Date Monitored: ______________ Program Period: ___2013‐2014__

PROVISION OF SECURE TENURE

Location New Sites Upgrading Sites

No. of HHs targeted

for assistance

Actual No. of HHs assisted

% of Accomplishment

No. of HHs targeted

for assistance

Actual No. of HHs assisted

% of Accomplishment

PROVISION/UPGRADING OF POWER FACILITY

Location New Sites Upgrading Sites

No. of HHs targeted

for connection

Actual No. of HHs given

connection

% of Accomplishment

No. of HHs targeted

for upgrading

Actual No. of HHs given

upgraded power facility

% of Accomplishment


34

Chapter 8

SANGGUNIANG PANLALAWIGAN APPROVAL

LGU – BANATE Local Shelter Plan 2013‐2022 annex

35

ANNEX 1. WORKSHEETS

Table . 9 &10. Present Upgrading Need

Income Group 1st 2nd 3rd 4th 5th


Below 4,200

4,201‐8,400 8,401‐12,600 12,601‐16,800 16,801 Over

% of new units 85% 7% 4% 2.5% 1.5%

Number of units (1,894) 1,610 133 76 47 28

Typical monthly income 2,500 6,300 10,500 14,700 21,000

Potential % of income for upgrading / new housing

12% 15% 15% 20% 20%

Potential annually for capital cost of housing

3,600 11,340 18,900 35,280 50,400

Loan Terms

* Interest rate 6% 6% 6% 6% 7%

* Repayment period, years 30 yrs 30 yrs 30 yrs 25 yrs 25 yrs


Income Group A B C D E


Below 4,200

4,201‐8,400 8,401‐12,600 12,601‐16,800 16,801 Over


Affordable option a 64 sq.m underdeveloped land (48,128.75)

b48 sq.m. underdeveloped land with 18 sq. m. with row house

(153,215.40)

c48 sq.m. underdeveloped land with 22 sq. m. with row house (10 units/block) (243,999.28)

d 130 sq.m. developed land with 20 sq.m. duplex house

(397,122.88)

e130 sq. m developed land with 25 sq.m. single detached complete house

(447,597.00)

Table 11 & 12.Affordability Analysis and Land Need Calculation


36

ANNEX 3. HOUSE DESIGNS


37

Fig. __. Rowhouse Perspective


38

Fig. ___. Rowhouse Plan


39

Fig. __. Single Detached Housing II Plan


40


41

Bibliography and References

References in Alphabetical Order

Comprehensive Land Use Plan, Municipality of Banate 2013‐2022

Census of Population & Housing, NSO, 2007

Census of Population & Housing, NSO, 2010

Comprehensive Population Data Banking and Management Project, POPCOM 2011,

Inventory of Informal Settlers, MPDC, Municipality of Banate, 2012

Number of Electrical Service Connections by Barangay, ILECO III, 2012

Republic Act 7279 (Urban Development & Housing Act of 1992)

Inventory of Bridges, MEO, Municipality of Banate

Documents

Local Shelter Plan