CABLING ARNOLFO HEADLINES senior citizens social housing finance corporation



Feliciano dela Cruz, Jr., a person with disability, embodies perseverance. Having poured his energy, time, and resources to do whatever it took to secure his own piece of land, the 66-year-old member of Bagong Silang Homeowners Association felt rejuvenated when he finally got hold of his transfer certificate of title (TCT) on the morning of January 26. “Swerte na talaga ako nito, kasi hawak ko na ‘yung titulo ng lupa ko,” he said.

Even though he had difficulty walking, Feliciano mustered the strength to climb the stage and participate in the title awarding ceremony, which he considered as one of the most memorable moments in his life. “Hindi nga ako nakatulog eh. Gising na ako ng alas-tres ng umaga. Pero nagsimba muna ako. Pinagdasal ko na sana totoo na talaga ito. Kahit na nahihirapan akong maglakad pipilitin ko,” said the senior citizen, who drew loud cheers and thunderous applause when he received his TCT. “Excited ako kasi malaking regalo na ito para sa akin.”

Feliciano had reason to be excited as he had known nothing but insecurity for the longest time. He used to rent a plot in a property that was being eyed by prospective buyers who would come to check the property. “Lagi kong naiisip noon kung kailan kukunin ‘yung lupang kinatitirikan namin, kakaba-kaba ako,” he shared. When the owner finally decided to sell the property, Feliciano and his family got evicted.

In that difficult time Feliciano realized the need to have his own land. “Gusto ko pagtanda ko may sarili akong lupa. Hindi  ‘yung paikot-ikot ako sa mga kapatid at pamangkin ko,” he shared as he looked back to the times when they needed to transfer from one place to another, when a good night’s sleep was also difficult to achieve for Feliciano and his family. “Kapag squatter ka at walang titulo ang bahay mo, madalas hindi kami makatulog. Kasi iniisip ko lagi kung kailan na naman kami palalayasin dito,” he added.

Although he initially doubted the authenticity of the Community Mortgage Program (CMP), he eventually became a believer and started paying his monthly amortization religiously. “Minson nga kapag kinakapos ako ng pera panghulog, nanghi­hiram muna ako sa mga kapatid ko para tuluy-tuloy ang aking pagbabayad,” he said shyly.

A single man, Feliciano dedicated his life to helping his family. When his time on earth is through, he vows to leave the land at Bagong Silang for his nieces and nephews. “Para sa kanila talaga ito, baka nga mag away-away pa silo eh,” joked Feliciano, who is a living testament that you can be a parent to another person regardless of your legal or biological relationship as long as you love and care for them.

Feliciano considers himself blessed for the chance to become a CMP beneficiary. “Buti na fang mayroong ganitong programa sa Social Housing na pwedeng hulugan ang lupa,” he said. “lbibida ko ang SHFC sa lahat.”

Aside from Feliciano, 47 other Bagong Silang partner-homeowners received their TCT that day in a ceremony led by SHFC Central Luzon Chief of Division Delia Silvia. Composed of 68 members, the association boasts a collection efficiency rating of 151.41 percent as of September 2019. It was formed through the assistance of its mobilizer, the National Housing Authority.

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