The overarching goal of the Project is to reduce income poverty and quality-of-life poverty in urban areas. Its main objectives are: (i) to improve the access of low-income urban families to land tenure and affordable shelter and, in support of this, to provide or upgrade basic municipal infrastructure and services; and (ii) to decentralize shelter sector activities through LGUs and, in parallel to this, to strengthen the role and capacity of participating communities. The proposed Project consists of three parts. In Part A, the LBP will re-lend the loan to qualified LGUs for site development. About 30,000 households will gain access to land tenure with basic infrastructure and services. In Part B, the LBP will establish shelter financing and microcredit facilities for the potential beneficiaries, to support financing for (a) serviced plots and house improvements, (b) new housing loans, and (c) microenterprise credit facilities.