Comprehensive Urban Poor Development Ordinance – Naga City (2025-0676)
🧭 Purpose
To institutionalize a long-term, inclusive urban development program that ensures access to land, housing, livelihood, and basic services for Naga City’s urban poor sector.
📌 Key Features
1. Scope & Definitions
- Applies to all public and private programs affecting urban poor rights and access.
- Defines key terms like urban poor, blighted lands, idle lands, usufruct, socialized housing, and professional squatters.
2. Principles & Policies
- Urban development must prioritize the welfare of the urban poor.
- Promotes equitable land use, environmental balance, and people’s participation.
- Encourages partnerships with government agencies, NGOs, and private entities.
🏛️ Urban Development and Housing Board (NCUDHB)
Composition:
- City officials, department heads, barangay representatives
- Urban poor federations, NGOs, architects, engineers
Powers:
- Land use planning, housing program oversight
- Beneficiary registration and consultation systems
- Expropriation and land acquisition recommendations
- Monitoring illegal structures and squatting syndicates
🏗️ Program Components
On-Site Development:
- Prioritized for existing urban poor communities
- Requires organized communities and residential land classification
Off-Site Development:
- Used when on-site is impractical
- Must be safe, accessible, and acceptable to beneficiaries
Beneficiary Qualifications:
- Must be urban poor, registered, and capable of repayment
- Prioritized based on eviction status, danger zones, or infrastructure displacement
📜 Beneficiary Obligations
- No unauthorized transfer or sale of awarded lots
- Must occupy and maintain awarded property
- Participate in community activities and report violations
📚 Support Services
- Capability building (training, organizing)
- Auxiliary services (legal aid, surveys, relocation support)
- Priority for house-and-lot development
- Migration to homeownership after 1 year
💸 Financing & Repayment
Socialized Repayment Scheme:
| Category | Monthly Income | Equity | Term |
|---|---|---|---|
| A | ₱3,001–₱4,500 | None | 30 yrs |
| B–F | ₱4,501–₱15,000 | 5–20% | 20–30 yrs |
Interest Rates:
- 4% standard; 9% for existing loans
- Adjusted if sourced from third-party financing
🤝 Bayadnihan Program
Allows beneficiaries to pay homelot amortizations through labor:
- Infrastructure work, maintenance, frontline services
- Family members may participate
- Wages credited directly to amortization accounts
🧺 Lingkod Tabang sa Istaran
For the Poorest of the Poor:
- Repayment via community service (6 hours/week)
- Option for usufruct if unable to pay or work
🧾 Condonation of Penalties
- Automatic condonation for Sept 2006–March 2007
- Conditional condonation for financial hardship, calamities, illness, or death
- NCUDHB determines eligibility and duration
🏘️ Land Acquisition & Disposition
- Modes: mortgage, swapping, donation, expropriation
- Usufruct/rental arrangements to prevent resale
- Exemption for small property owners
- Public rental housing schemes allowed
🧰 Basic Services & Livelihood
- Housing sites must include water, electricity, roads, schools, and waste systems
- 20% of annual program budget reserved for livelihood
- Livelihood and transport loan programs to be developed
🌱 Environmental & Urban-Rural Balance
- Ecological safeguards in housing plans
- Coordination with DENR and Metro Naga for decentralization
🏠 Socialized Housing Projects
- Incentives for private landowners (tax credits, discounts)
- 20% socialized housing requirement for subdivisions
📊 Funding Sources
- 10% of city’s annual budget (excluding salaries)
- Trust Fund for Socialized Housing
- Grants, donations, bond flotation, idle land tax