One step toward inclusive growth, the highly elusive factor that is missing in our newly-found status as having the fastest economic growth rate in the region, is to fulfill the housing need of this country. There is obviously a huge backlog in providing housing, particularly low-cost housing which is expected from the government. While there are developers from the private sector that do low-cost housing, very few do it on their own resources. Usually, there has to be some government incentive in the form of credit or tax breaks to induce developers to dedicate themselves to doing low-cost housing projects. And even with these incentives, there has not been a dent in the ever-increasing magnitude of housing needs. Moreover, the little that has been delivered is not up to par in practicality, decency or comfort. Higher standards must be demanded for low cost housing.