Joe Curran, chief executive officer of Savills Philippines, said the higher loan ceiling is primarily a financing reform rather than a “pricing catalyst.” Claro Cordero, Jr., research director at Cushman & Wakefield Philippines, said the higher loan ceiling could also help reduce the ready-for-occupancy (RFO) condominium oversupply in Metro Manila. INFRASTRUCTURE TO SHAPE LONG-TERM DEMANDWhile the higher Pag-IBIG loan ceiling could improve housing affordability, the analysts said transport infrastructure and integrated urban planning will determine whether demand can be sustained. Mr. Curran said long-term success will depend on integrated urban developments where transport connectivity, employment opportunities, and utilities are developed alongside residential projects. ECONOMIC CORRIDOR, ECOZONESThe Luzon Economic Corridor is also expected to drive demand for high-specification industrial facilities and data centers.