The Community Mortgage Programme: An Innovative Social Housing Programme in the Philippines and Its Outcomes

Document Type


Publication Date



The Community Mortgage Programme (CMP) is an innovative housing finance programme in the Philippines that allows low-income families, particularly those living on public and private lands without security of tenure, to have access to affordable housing. It is a programme for legalizing and upgrading squatters and informal settlements or for supporting their inhabitants to develop homes on a legal site elsewhere. Between 1991 and 2001, it assisted 106,273 poor families in securing housing and land tenure in 854 communities (CMP, 2001). It is the most responsive and cost-effective government housing finance programme in the Philippines; it also has the highest collection efficiency rate of all government housing loan programmes.