The National Home Mortgage Finance Corporation (NHMFC) serves as a crucial bridge between Filipino homebuyers and their dream properties, especially during the BER months of September through December when many families consider major financial decisions.
As the country’s premier secondary mortgage institution, NHMFC strengthens the housing finance ecosystem by purchasing loan receivables from banks, government agencies, and developers. This process creates a cycle of liquidity that benefits everyone involved.
Recycling funds for more homes
Through its Housing Loan Receivables Purchase Program (HLRPP), NHMFC buys valid mortgage loans from primary lenders, freeing up their capital to extend additional financing to new borrowers. This “recycling” mechanism expands access to affordable housing loans with longer repayment terms and competitive interest rates—critical advantages during the BER season when Filipinos traditionally tap into year-end bonuses and savings for down payments.
The system works efficiently: when NHMFC purchases existing loans, banks and other lenders gain immediate liquidity, allowing them to approve fresh applications without depleting their resources. For homebuyers, this translates to better loan availability during peak purchasing periods.
Innovation through Bahay Bonds
Among NHMFC’s notable achievements is the issuance of “Bahay Bonds,” asset-backed securities that channel both private and public investments into housing. These bonds generate additional capital for the corporation’s loan purchase activities, strengthening the entire housing finance infrastructure. NHMFC’s securitization efforts have earned international recognition, highlighting its effectiveness in mobilizing financial resources to address the Philippines’ substantial housing shortage.
Strategic BER Season advantage
The timing of BER months aligns perfectly with NHMFC’s mission. Many Filipinos receive year-end financial windfalls, creating favorable conditions for homeownership investments. NHMFC’s programs complement existing initiatives from Pag-IBIG Fund and the Department of Human Settlements and Urban Development (DHSUD), creating a comprehensive support system for aspiring homeowners.
By partnering with banks and developers, NHMFC ensures credit flows efficiently to qualified buyers precisely when demand peaks and purchasing power increases.
Digital Transformation for better service
NHMFC continues modernizing its operations through digitalization and enhanced efficiency measures. Recent technology partnerships have expanded payment options and streamlined loan evaluation processes, making transactions more convenient during high-volume periods. These improvements maintain high collection efficiency while increasing the number of housing loans eligible for securitization.
A dependable partner
NHMFC’s role as an intermediary between financial institutions and homebuyers provides essential market liquidity that keeps affordable housing finance accessible. For Filipinos planning to leverage their year-end financial readiness, NHMFC offers a reliable pathway to homeownership through sustainable, long-term financing solutions that make the dream of owning a home more attainable.
