CABLING ARNOLFO social housing finance corporation

SHFC – Excitement and sense of ownership after 25 years


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The sun in the municipality of Magalang in Pampanga was as bright as ever on the morning of September 16, 2019. It carried a radiance of promise, just like the aura of excitement that was building up on the faces of Joseph David and Ariel Layug as they eagerly waited for their names to be called on stage to get their respective transfer certificate of title from SHFC.

For the best buddies, nothing could quite top off more than two decades of diligently paying their respective monthly amortization than the satisfaction and sense of ownership in finally receiving their land titles. “Masayang-masaya ako kasi pagkatapos ng matagal na panahon, nakamit din namin ito,” said Joseph, who drives trucks for a living. “Twenty-five years namin itong binuno. Nagkaproblema pa nga kami noon sa unang presidente namin, buti na lang naayos na ang lahat ngayon.”

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His sentiment was shared by Ariel, who could not contain his joy over the moment. “Syempre masaya, sino ba naman ang hindi matutuwa na may sariling titulo ka na,” said the 45-year-old, who serves as one of the association’s board of directors. “Sa haba ng panahon ng paghihintay, natapos din. Kaya salamat sa Social Housing.”

Joseph and Ariel are particularly blissful that they and the other community members can now finally call themselves house and lot owners. They feel fortunate that they will not experience the difficulty of renting a house again. “Mahirap kasi talaga ang nangungupahan kasi pag nagbayad ka, kinabukasan may utang ka na ulit,” Ariel pointed out. “Eh dito (sa programa ng SHFC), kada bayad namin pagdating ng araw sa amin na ang lupa.”

Joseph could not agree more with his friend. “Maswerte kami kasi sa panahon ngayon murang-mura na talaga ito,” he said of their P110-monthly amortization. “Mas maganda kung magkakaroon pa ng ganitong programa ang SHFC para mas madami pang taga-rito ang magkabahay.”

The best buddies are two of the 22 partner-homeowners of St. Francis HOAI who received their respective title from SHFC in a ceremony led by the Central Luzon Branch at the covered court of San Francisco Elementary School. As the awarding came to a close, the sunlight shone upon Joseph and Ariel as they walked out of the venue and enjoyed the morning’s fresh air, carrying with them promise of sunny days ahead.

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