BACOLOD CITY – Filipino Homes, identified as one of the leading organizations in terms of growth in real estate industry in the nation, conducted an extensive product knowledge seminar on April 10, 2026, focusing on Deca Homes South Bacolod in connection with the Expanded 4PH program of the national government.
The session aimed to equip the network’s agents in Negros Occidental with a thorough understanding of the affordable housing project and the financing options available through the Marcos administration’s flagship shelter program.
Deca Homes South Bacolod
Deca Homes South Bacolod is an affordable mass housing project initiated by 8990 Holdings, Inc., located at Barangay Cabug. This project offers affordable yet high-quality residences that have been designed for Filipinos with lower or middle incomes. Such projects are very important for the overall countrywide effort to address the housing problem, particularly through initiatives such as the Pambansang Pabahay para sa Pilipino Program.
Expanded 4PH Program
President Ferdinand R. Marcos Jr.’s Expanded 4PH Program continues to make homeownership more accessible to Filipino families through low interest rates and a wider range of housing options. Under the program, qualified beneficiaries, particularly from the working class, may avail of socialized housing through the Pag‑IBIG Fund at a subsidized interest rate of as low as 3 percent per annum for up to 10 years—the lowest in the market today. First‑time homebuyers earning less than ₱34,686 per month outside the National Capital Region may qualify for the subsidized rate for the first five years of their loan term. All overseas Filipino workers, regardless of income level, are also eligible. Pag‑IBIG Fund has committed to maintaining this 3 percent rate even amid the ongoing Middle East conflict, keeping homeownership affordable for low‑ and moderate‑income Filipino workers.
The 4PH program now covers a wide spectrum of beneficiaries—from the working and middle class to informal sector families—through modalities such as vertical and horizontal housing, rental housing, the Enhanced Community Mortgage Program, incremental housing, and projects under presidential proclamations. The DHSUD has reported steady acceleration of the program in the first quarter of 2026, with significant milestones already achieved.
Developer commitment to 4PH
Deca Homes is a key partner of the government in delivering socialized housing. 8990/Deca Homes has committed 9,498 housing units to the recalibrated 4PH program over the next three years, alongside other major developers. In General Santos City, the Deca Homes Gensan 2 project will offer 7,430 house‑and‑lot units under the Pag‑IBIG Fund’s subsidized home loan program, making homeownership more accessible to middle‑ and working‑class families. The strong demand for affordable housing is reflected in the fact that around 600 units in that project were sold in just four months.
Empowering agents through product knowledge
By conducting the product knowledge seminar, Filipino Homes ensures that its agents are well‑prepared to guide potential buyers through the features, pricing, and financing options of Deca Homes South Bacolod. With the 4PH program’s low interest rates and flexible payment schemes, the project presents a significant opportunity for first‑time homebuyers in Negros Occidental. The training covered the specific mechanics of the Pag‑IBIG loan application, eligibility criteria, and the step‑by‑step process for availing of the 3 percent subsidized rate.
The seminar reflects Filipino Homes’ commitment to not only expanding its network but also raising the professional competence of its agents. As the government continues to roll out the Expanded 4PH Program nationwide, equipping real estate professionals with accurate and up‑to‑date product knowledge becomes essential to helping Filipino families achieve their dream of homeownership.
