4PH Program: Your Path to Affordable Housing in the Philippines

Sabi nila, "home is where the heart is" – but for many Filipino families, finding that home feels impossible. With property prices soaring and salaries staying the same, parang laging out of reach ang dream of homeownership, di ba?

Well, here's some good news: The government's 4PH program (Pambansang Pabahay Para sa Pilipino) is changing the game entirely. This isn't just another housing project – it's a real solution designed specifically for families like yours.



Let me walk you through everything you need to know about this incredible opportunity.

Think of 4PH as the government's most ambitious housing program ever launched. Under the Marcos Jr. administration, the Department of Human Settlements and Urban Development (DHSUD) created this program in 2022 to tackle our country's massive housing shortage.

The numbers are staggering: We have over 6.5 million families without proper homes. That's why 4PH has set an ambitious goal – to build 1 million housing units every year until 2028.

Translation? Over 6 million families will finally have the chance to own their own house. That could include yours!

I've seen many housing programs come and go, but 4PH stands out for several reasons:

We're talking about monthly payments as low as ₱3,500 to ₱4,000. For your perspective, that's often less than what families spend on rent for a single room. Imagine – your own unit, sa ganyang presyo!

Remember the old relocation sites sa bundok or sa liblib na lugar? Those days are over. 4PH focuses on building mid-rise and high-rise developments right in urban centers. Your kids can still go to the same school, you can keep your job, and you won't lose your community connections.

This isn't some fly-by-night developer. The government partners with accredited private companies, local government units, and banks to ensure quality construction and reliable financing.

4PH doesn't just give you four walls and a roof. Each project includes schools, health centers, markets, and even livelihood opportunities. It's like building an entire community from scratch!

The beautiful thing about this program is how inclusive it is. You don't need to be wealthy or have connections. Here's who can qualify:

• Minimum Wage Earners: Whether you're working in a private company, government office, or running your own small business – if you're earning minimum wage or just slightly above it, you're likely qualified.
• Informal Settlers: Especially families living in danger zones, along riverbanks, or in temporary structures. The government recognizes na hindi ninyo kasalanan na wala kayong permanent na tirahan.
• OFWs (Overseas Filipino Workers): Working abroad but want to invest in a home back in the Philippines? 4PH welcomes you with open arms.
• Government Employees: Teachers, police officers, healthcare workers, and other public servants – this program was designed with you in mind.

Let me be straight with you about what 4PH can actually do for your family:

With payments starting at ₱3,500 monthly, most families find this more affordable than their current rent. Plus, instead of paying rent forever with nothing to show for it, you're actually building equity in your own property.

These aren't the substandard housing units of the past. 4PH works with accredited developers who follow strict quality standards. Most units are studio or one-bedroom formats – perfect for young families or couples starting out.

No more two-hour commutes from relocation sites. These developments are strategically located near business districts, schools, and transportation hubs. Your time and money spent on commuting? Significantly reduced.

Through the rent-to-own system, you'll eventually own your unit completely. No more worries about landlords, rent increases, or sudden evictions.

Many 4PH projects include livelihood training and job matching services. It's not just about giving you a home – it's about helping you build a better life.

Ready to take the next step? Here's exactly what you need to do:

Start with your barangay hall or municipal office. Ask specifically about 4PH projects in your area. The staff there can give you the most current information about available units and timelines.

Gather these essential documents:

• Valid government-issued IDs
• Proof of income (payslips, Certificate of Employment, or business permits)
• Community Tax Certificate (cedula)
• Barangay Certificate of Residency
• Certificate of No Property Ownership (if available)

Fill out the application form carefully and completely. Don't worry if you need help – LGU staff are usually very accommodating in assisting applicants.

Both your LGU and DHSUD will validate your documents. This process might take some time, but it ensures that qualified families get priority.

If qualified, you'll be invited to an orientation where you'll learn more about the specific project, payment terms, and available units.

Once approved, you'll begin your monthly payments and can move in once construction is complete.

The program is rapidly expanding across the Philippines. Current locations include:

Metro Manila: Quezon City, Manila, Caloocan

Southern Luzon: Cavite (Dasmariñas, Bacoor), Laguna (Calamba, San Pedro)

Visayas: Cebu City, Bacolod, Iloilo

Mindanao: Davao City, Zamboanga

More locations are being added regularly, so even if your area isn't listed yet, it's worth checking with your LGU about future projects.

Here's the truth: For too long, homeownership has been a privilege reserved for the wealthy. 4PH changes that narrative entirely.



This program recognizes that every Filipino family deserves a decent place to call home. Whether you're a teacher in Quezon City, an OFW from Iloilo, or a security guard in Cavite – your dream of homeownership is valid and achievable.

Want personalized guidance on 4PH projects in Cavite, Laguna, or Batangas?

At Micasa Realty, we specialize in helping Filipino families navigate affordable housing options, including 4PH projects. We'll walk you through the process, help you understand your options, and ensure you don't miss any opportunities.



Because every Filipino family deserves a place to call home.