housing

In the Philippines, a massive corruption scandal is triggering street protests and putting pressure on the government of Ferdinand Marcos Jr.

The population’s increasing exposure to typhoons, floods and rising sea-levels has seen the government allocate $9.5bn of taxpayer funds to more than 9,800 flood-control projects in the last three years.

But recent audits reveal widespread cases of structures being grossly incomplete or non-existent.

Multiple government officials are accused of pocketing huge kickbacks, funding lavish lifestyles.

101 East investigates how the most vulnerable are being flooded by corruption in the Philippines.

At least 44 people have died after Hong Kong’s worst fire in 63 years tore through several high-rise buildings on Wednesday afternoon, officials said.

Firefighters are still fighting the blaze in the Tai Po neighbourhood, and trying to reach people who are trapped inside.

By early Thursday morning, officials said they had brought the fire in four buildings under control, but firefighters were still working on three others more than 16 hours after the blaze started.

Here is what to know:

What happened in Hong Kong?

An apartment complex in Hong Kong’s Tai Po neighbourhood caught fire at about 2:51pm (06:51 GMT) local time on Wednesday.

The fire began on the bamboo scaffolding outside one of the buildings. This type of scaffolding, made from bamboo poles used by workers during repairs, burns very easily. Once the scaffolding caught fire, the flames quickly spread up the structure and into the building, and then to nearby towers.

The blocks were also wrapped in green construction netting all the way to the rooftops due to ongoing renovation work, which also caught fire, helping it spread faster.

According to local media, the fire intensified rapidly: By 3:34pm (07:34 GMT), it had reached a level four alarm, and by 6:22pm (10:22 GMT), it had reached a level five alarm – the highest alert level in Hong Kong.

The blaze is Hong Kong’s deadliest fire since at least August 1962, when a fire in the city’s Sham Shui Po district killed 44 people. A fire at the Garley Building on Nathan Road in Kowloon killed 41 people and injured 81 others in November 1996.

Since Monday, Hong Kong has been under a heightened fire alert as dry weather conditions made the risk of fire extremely high.

Where did the fire start?

The fire started at Wang Fuk Court, a housing estate in Hong Kong’s Tai Po district.

The complex, built in 1983, consists of eight high-rise buildings with a total of 1,984 flats. According to local media reports, seven of the buildings were affected by the fire. Of those, four have since been brought under control.

Tai Po is a suburb of Hong Kong near the border with mainland China, and is home to approximately 300,000 residents. It is part of the government’s subsidised home-ownership scheme.

Property records show that Wang Fuk Court has been undergoing major renovation work, costing about $42.43m.

How did the fire spread so quickly, and what caused it?

The fire spread very quickly because it started on the bamboo scaffolding around the building and spread to the green netting covering the structures.

Both the bamboo and the green netting burn easily, so once they caught fire, the flames shot up the outside of the tower and reached many floors.

Burning pieces then fell and set nearby buildings on fire within minutes. Wind and open areas from the renovation work likely made the flames grow even faster.

While the exact cause is still being investigated, officials say the flammable scaffolding, building materials, and the tall, closely packed towers all helped the fire get out of control.

Police also said they found mesh and other protective materials on the outside of the buildings that did not appear to be fireproof, as well as styrofoam materials on the windows.

“We have reason to believe that those in charge at the company were grossly negligent, which led to this accident and caused the fire to spread uncontrollably, resulting in major casualties,” Eileen Chung, senior superintendent at the Hong Kong Police Force, said.

Officers have arrested two directors and an engineering consultant, aged between 52 and 68, of a construction company.

Chung said police arrested them in the Tai Po, Ngau Tau Kok, and San Po Kong districts at about 2am on Thursday (18:00 GMT, Wednesday).

How many people died or are missing?

Authorities have confirmed the deaths of 44 people, including a firefighter. About 279 residents are still unaccounted for. As of 8am (00:00 GMT), at least 66 people had been admitted to hospital, the Hong Kong Hospital Authority told CNN. Of those, 17 were in critical condition, and 24 were listed as serious.

Four people died in hospital. About 900 people have sought shelter in community centres.

What is the latest on the ground?

It is now 9:42am (01:42 GMT) in Hong Kong, and according to local reports, firefighters are still fighting the blaze.

Earlier, the South China Morning Post reported that Derek Armstrong Chan, the deputy director of fire services, said extreme heat had prevented firefighters from accessing some upper-floor apartments. He added that crews would “keep trying” to reach them.

He also said that the “debris and scaffolding of the affected building are falling down, posing additional danger to our frontline personnel”.

Overnight, he said, it was dark, and that made the rescue and firefighting operation “more difficult”.

“In the hours of darkness, it will pose additional danger and difficulties to our operation, and up to this moment, the temperature inside the fire scene is still very high. So, we have difficulties proceeding to upper floors of two of the buildings.”

The Hong Kong Fire Services Department mobilised more than 1,200 fire and ambulance personnel to the site, officials said. Some in the area have returned to work and school.

Postcolonial scholar Mahmood Mamdani says Palestinian rights helped motivate his son Zohran’s run for New York City mayor. He says Zohran didn’t expect to win, but entered the race “to make a point” and trounced his rivals because he refused to compromise on causes “near and dear” to him.

US President Donald Trump and New York City Mayor-elect Zohran Mamdani met in the Oval Office on Friday after weeks of trading barbs. Trump, who described their meetings as “productive,” gave Mamdani a warm welcome, and said he’ll be “cheering for” the 34-year-old incoming mayor.

Cook’s lawyer says the criminal referrals against her ‘fail on even the most cursory look at the facts’.

United States Federal Reserve Governor Lisa Cook’s lawyer has offered the first detailed defence of mortgage applications that gave rise to President Donald Trump’s move to fire her, saying apparent discrepancies in loan documents were either accurate at the time or an “inadvertent notation” that couldn’t constitute fraud given other disclosures to her lenders.

Cook has denied wrongdoing, but until Monday, neither she nor her legal team had responded in any detail to the fraud accusations first made in August by Federal Housing Finance Agency (FHFA) Director William Pulte.

She has challenged her removal in court, and the US Supreme Court has for now blocked Trump’s firing attempt and will hear arguments in the case in January.

A Department of Justice spokesperson said the department “does not comment on current or prospective litigation, including matters that may be an investigation”.

In a letter to US Attorney General Pam Bondi seen by the Reuters news agency, Cook’s lawyer Abbe Lowell said the criminal referrals Pulte made against her “fail on even the most cursory look at the facts”.

The two separate criminal referrals Pulte made fail to establish any evidence that Cook intentionally deceived her lenders when she obtained mortgage loans for three properties in Michigan, Georgia and Massachusetts, the letter said.

Lowell also accused Pulte of selectively targeting Trump’s political enemies while ignoring similar allegations against Republican officials, The Wall Street Journal reported.

Lowell said other recent conduct by Pulte “undercut his criminal referrals concerning Governor Cook”. That behaviour includes the recent dismissal of the FHFA’s acting inspector general and several internal watchdogs at Fannie Mae, one of the mortgage-finance giants under FHFA control.

The letter also cited a recent article by Reuters that said the White House ousted FHFA acting Inspector General Joe Allen right after he tried to provide key discovery material to federal prosecutors in the Eastern District of Virginia who are pursuing an indictment against New York Attorney General Letitia James.

James was charged with bank fraud and lying to her lender also after Pulte made a referral to the Justice Department. She has pleaded not guilty, and she is seeking a dismissal of the case on multiple grounds, including vindictive and selective prosecution.

Cook’s case is being handled in part by Ed Martin, the Justice Department’s pardon attorney, whom Bondi named as a special assistant US attorney to assist with mortgage fraud probes into public figures.

The case is still being investigated, and no criminal charges have been brought. The department is also separately investigating Democratic California Senator Adam Schiff, also at Pulte’s request.

This gorgeous city is better in November, but in summertime huge anti-tourism demos took place – and I understand why residents in this stunning place are so angry.

I’ve just touched down in the UK from a Spanish city that was basking in a balmy 26C in November, with hardly any tourists in sight. The destination has recently been dubbed an anti- tourism holiday spot, but all the locals I encountered were incredibly welcoming – and I got a glimpse into why some holidaymakers might not be as welcome.

Having visited Palma in Mallorca several times over the years, this was my first off-peak trip to the largest Balearic island, but I’d certainly consider a November visit again. The weather was still delightfully warm and sunny, the Mallorcan people I met were extremely friendly, and it was a real treat to explore the city and the island without the usual throngs of tourists.

During the summer of 2025, the height of the tourist season, large-scale anti-tourism protests erupted on the streets of Palma, with locals brandishing signs telling holidaymakers to go home – and frankly, I can’t blame them.

I can empathise with their tourism grievances, having grown up in Devon where similar issues arise – and I’ve even had the experience of living next door to an Airbnb a few years back which brought its own set of problems with non-locals.

Mallorca grapples with over-tourism during the summer months when the island is swamped with visitors. However, travelling off-peak is a more sustainable way to appreciate the island while respecting the locals – and it offers a genuine taste of Mallorcan life, reports the Express.

Despite being a Brit myself, I can’t help but acknowledge that some of our fellow countrymen can be quite the nuisance in popular holiday destinations, with their excessive drinking and disruptive behaviour tarnishing the reputation of many a Spanish resort.

Adding to this, the surge in short-term holiday rentals has spiralled out of control in numerous sought-after locations, including the Mallorcan city of Palma and other Spanish hotspots like Barcelona.

This issue of residential properties being converted into holiday cottages or Airbnb lettings is a global phenomenon, affecting places from Cornwall to London, Spain to America, and everywhere in between.

A local family residing in Mallorca shared with me that the island’s peak season is a living nightmare for them, with parking woes and a significant increase in traffic causing chaos.

The family expressed their struggle to enjoy the summer months as the beaches become “too crowded”, parking becomes a mission impossible, and many eateries, particularly in Palma, are “too busy”.

One native Mallorcan woman voiced her frustration, stating that many locals are irate due to skyrocketing rents – a consequence of mass holiday rentals like Airbnb in a neighbourhood which inflate the ‘average’ rent due to an overall comparison (which includes high holiday home rents).

She also highlighted a “worrying shortage of affordable housing”, particularly in the capital, Palma. Given that Mallorca is a relatively small island, about 62 miles wide, constructing more “affordable” homes isn’t a straightforward solution.

One can’t help but ponder: if all these holiday homes were converted back into residences for locals, would there still be a housing crisis in the UK – or indeed in Mallorca?

Prioritising tourism creates environments that become nearly uninhabitable for local residents, which seems nonsensical. It’s clear that something is amiss when governments aren’t prioritising housing for locals – and the need to protest is entirely understandable.

Over-tourism also results in excessive traffic, unmanageable crowds and significant parking issues, creating an unpleasant environment for both residents and visitors. During my time in Mallorca, I navigated the island by bus, which was simple and efficient.

Strolling through Palma’s tree-lined streets in November, when tourists are few and far between, is my idea of a city break. Although the Christmas lights haven’t been switched on yet, they will be soon (on Saturday, November 22, 2025, at 8pm).

I can envision how stunning the festive lights will look once the official Christmas lights switch-on takes place in Palma, as star-shaped decorations were already adorning the streets in preparation for this event.

The streets of Palma were so pristine and clean, I didn’t spot a single person littering, whereas in the UK, it’s not uncommon to see adults – and children – discarding rubbish on the roads or in scenic areas.

During my stay in Mallorca, I lodged at the HM Palma Blanc hotel, a truly friendly and luxurious place that offered comfort and an incredible breakfast. I tend to steer clear of Airbnb-style holiday lets as much as possible, recognising the havoc they can wreak in tourist-heavy areas.

With a plethora of markets in the capital city, independent shops, and fantastic eateries, I’d certainly consider another winter visit to Mallorca – it was genuinely delightful.

Valerie Valentine bought a triplex in South Los Angeles two weeks ago, and already she wonders whether she made a terrible investment.

Bills are immediately adding up for the small-time landlord, from $1,000 to get the water turned on to $6,000 in annual property taxes. She worries that the amount she collects in rent will not be enough to cover her expenses.

With the city on the verge of making the first major change to its rent stabilization ordinance since 1985, potentially capping annual rent increases at 3%, landlords such as Valentine fear that Los Angeles will become a hostile environment for them.

“It’s draconian,” said Valentine, who also owns a four-unit building in the Inland Empire. “Lowering the amount we can raise rent is a slap in the face. They are favoring one side of the aisle more than the other.”

On the other side, renters, who far outnumber landlords in the city, have turned out in force to City Council hearings to support the proposed 3% cap for units built before 1978, which house 42% of the city’s residents.

The current cap for rent-stabilized units is between 3% and 8%, depending on inflation, going up to 10% if landlords pay for utilities.

One tenant, Cindy Moran, 31, has lived in a rent-stabilized one-bedroom apartment in Exposition Park with her parents since she was born. They are now fighting eviction, she said, with their landlord stating that he wants to move into the property.

Moran believes he is trying to turn the site into 120 units of affordable housing. She fears they will not be able to find another apartment as affordable as the $700 a month they pay.

“I meet people every day who pay $2,000 for a one bedroom. They can’t afford a 10% increase,” Moran said. “We need to think about the most vulnerable right now.”

The proposed update to the city’s rent stabilization ordinance, which has been on the books since 1979, would be a massive shift in favor of tenants. It comes as many parts of the country are struggling with a housing affordability crisis, and after democratic socialist Zohran Mamdani won the New York City mayor’s election on a pledge to “freeze the rent.”

Most Angelenos are renters, and more than half are rent-burdened, meaning they spend more than 30% of their income on rent, according to the Los Angeles Housing Department. One in 10 Angelenos pays 90% of their income toward rent, the department said in a report this year.

Last week, the City Council’s Housing and Homelessness Committee passed the 3% proposal, written by Councilmember Nithya Raman, in a 3-2 vote. It goes before the full council Wednesday.

Under Raman’s proposal, the annual rent increase would max out at 3%, or 60% of the consumer price index, whichever is lower.

The new floor on annual rent increases, now at 3%, would be 0%. That means that in years where there is no inflation, landlords would not be able to raise the rent at all.

“There is a need to reform it,” said Shane Phillips, housing initiative manager at UCLA’s Lewis Center for Regional Policy Studies, who wrote a 2019 report calling for reforms to the rent stabilization ordinance. He believes the cap should be around 5%, tied directly to inflation.

“I think this swings the pendulum too far in the other direction,” he said.

On top of making it harder for small landlords to turn a profit, some fear that Raman’s proposal would chill development in a city that desperately needs more housing.

Los Angeles City Councilmember Nithya Raman wrote the proposed rent cap that was passed by the Housing and Homelessness Committee in a 3-2 vote. It goes before the full council Wednesday.

(Carlin Stiehl / Los Angeles Times)

In L.A., a new building constructed on the site of one that was rent-stabilized is subject to the rent stabilization ordinance, unless 20% of the new units are affordable for lower-income households.

A lower cap on rent increases may cause developers to forgo building on those lots, said Zachary Pitts, the Los Angeles director of YIMBY Action, which advocates for more affordable housing.

“Such unintended consequences could undermine the City’s housing goals at a time when increasing supply is critical to affordability and homelessness prevention,” he said in a statement.

Raman said she “will work to ensure new production is not impacted by these changes.”

“Only increased supply can help reduce costs for everyone in this city,” she said in a statement.

The current cap on rent increases has helped Jenny Colon stay in her rent-stabilized apartment, a two-bedroom in North Hills, for more than 30 years. She was paying $981 a month but is moving out because of a dispute with her landlord. Her new apartment, outside the city, costs $1,600 a month.

“A low percentage of rent increase every year does really create a very steady and safe housing situation,” said Colon, who supports Raman’s proposal.

But some say that lowering the allowable rent increase could have a downside for tenants, as falling revenues could lead landlords to spend less on maintaining their buildings.

“Certain small mom and pop owners just won’t have that kind of money,” said Paul Jesman, a real estate agent and landlord. “They’re going to push this roof replacement to next year because they don’t have the money for it.”

Landlords also may be more motivated to evict long-term tenants who fall behind on payments, so they can charge market rates to new tenants, said Phillips of UCLA.

City law allows landlords to charge market rates to a new tenant, though the cap on increases kicks in for the tenant after that.

The city’s Housing Department had recommended a floor of 2% and a ceiling of 5%, both tied to the consumer price index. City Councilmember Bob Blumenfield put forward a motion to the Housing and Homelessness Committee that aligned with that recommendation, but he was the only vote in favor of it.

A majority of California cities with rent-stabilized apartments set a ceiling of between 3% and 5%, the Housing Department said.

Raman argued that the department’s recommendations did not go far enough to deal with rents that have “skyrocketed.”

“I think what is before us is an opportunity to adjust costs for renters, that to me is long overdue,” she said.

On Tuesday, voters in the largest city of the United States, New York, will choose a new mayor in a race that has stirred debate across the country and drawn global interest.

Zohran Mamdani, a 34-year-old state assembly democratic socialist who surprised many with his June win in the Democratic Party’s primary, is facing former Governor Andrew Cuomo, now running as an independent after losing the Democratic nomination. Republican Curtis Sliwa is among the other candidates in the race.

Here is what we know:

What’s happening on Tuesday?

Voters on both coasts of the US will cast ballots in a series of elections: gubernatorial contests in New Jersey and Virginia, the New York City mayoral race, and a vote in California on a redistricting measure.

But of these electoral battles, it is the New York mayoral vote that has grabbed the most attention .

Who are the candidates in NYC?

The three leading candidates are Zohran Mamdani, Andrew Cuomo, and Curtis Sliwa.

Zohran Mamdani

The Democratic nominee is running on a platform focused on affordability, calling for rent freezes, universal childcare, cheaper public transport, and a raise in the hourly minimum wage to $30. An immigrant, Muslim, and democratic socialist, his popularity has surged during the campaign, with nearly 370,000 early ballots already cast, and appealing strongly to young voters.

Mamdani, whose parents have Indian roots, was born in Uganda. If elected, he will be the city’s first Muslim mayor, the first to be born in Africa, and the first of South Asian descent.

Andrew Cuomo

Cuomo served as New York state’s governor from 2011 to 2021 and resigned after a state inquiry confirmed sexual harassment allegations by 13 women. He lost the Democratic primary to Mamdani (56 percent to 44 percent), but stayed in the race as an independent.

Curtis Sliwa

At 71, Sliwa has resisted pressure to withdraw from the race amid concerns he could split the anti-Mamdani vote. Known for his trademark red beret, he rose to prominence as the leader of the Guardian Angels, a volunteer crime-fighting group that became famous for its patrols of the New York subway system.

Who is leading in the polls?

The latest RealClearPolitics average shows Democratic nominee Mamdani leading the mayoral race with 46.1 percent , giving him a 14.3-point edge over Cuomo (31.8 percent ) and a 29.8-point lead over Sliwa (16.3 percent ).

US President Donald Trump and businessman Elon Musk backed Cuomo late on Monday. Whether that high-profile, last-minute support will shift voter sentiment remains uncertain.

What time do polls open and close in New York?

Polling stations across the city will open on November 4 at 6am local time (11:00 GMT) and voting will continue till 9pm (02:00 GMT on November 5).

Early voting took place from October 25 to November 2.

When will we know results?

In New York, mayoral races are usually called quickly.

This time, however, with two candidates vying for the support of the city’s mostly Democratic voters, it may take longer to determine the outcome.

The 2021 mayoral race ended quickly – Democrat Eric Adams was declared the winner soon after the polls closed.

What are the main issues and what’s at stake?

Being the US’s most diverse city, known around the world for its business and culture, makes picking a new mayor an especially important occasion.

New York’s election campaigns have mirrored the bigger national debates in the US, over identity, religion, political beliefs, and the country’s future.

Some of the key issues include:

Cost of living: The city is facing one of its tightest housing markets in decades. In 2023 the city had a vacancy rate of 1.41 percent , which means that only 14 out of every 1,000 housing units were unoccupied; 9.2 percent of all rental housing was described by city authorities as “overcrowded”. The number of new housing permits issued fell in 2024 compared with 2023.

This has made housing cost and availability a dominant issue. After a slate of California cities, New York is the costliest urban hub in the US to live in.

“Most of us are working multiple jobs, can’t make rent or rents are going up,” Tom Grabher, a city voter, told Al Jazeera.

Law and order: Serious crimes in the city, including murder, have gone down from their 17-year high in 2023. However, lower-level offences, such as shoplifting, remain higher than before the COVID-19 pandemic, adding to public worries about safety and disorder.

Migration: The city has long been a magnet for people from around the world, from its historic role as a gateway for immigrants to the recent influx of asylum seekers that critics say has placed new strains on the city’s resources.

Israel and Gaza: The ongoing Israel-Gaza conflict and the city’s large Jewish and Muslim populations have made foreign policy a key issue in this race.

What has Trump said about the race?

A former New Yorker, Trump has loomed over the mayoral race for months, threatening to arrest Mamdani, deport him, and take control of the city if he wins.

On Monday, Trump urged the city’s voters on his Truth Social platform to back Cuomo, saying they had “no choice” but to vote for the former governor.

When the federal government shut down in October, Trump put on hold roughly $18bn in federal funds, although $187m from New York’s security funding has since been restored. Trump has threatened to withhold more federal aid for the city if Mamdani wins.

What other elections are taking place?

Virginia governor

All eyes are on Virginia, a state next to Washington, DC, that has been directly affected by Trump’s spending cuts and the recent government shutdown.

Democrat Abigail Spanberger is facing off against Republican Lieutenant-Governor Winsome Earle-Sears.

New Jersey governor

In New Jersey, the governor’s race has centred on concerns about affordability. Although Democrats hold a voter advantage, Republicans are optimistic that Trump’s rising popularity in the state could lead to a surprise win. Democratic Congresswoman Mikie Sherrill is up against Republican Jack Ciattarelli , a former state assemblyman.

California

In California, a proposed ballot measure would redraw congressional districts in a way that could benefit Democrats in the 2026 midterm elections. Governor Gavin Newsom and state lawmakers say they introduced the plan in response to Trump’s earlier push for Texas to reshape its districts to give Republicans an advantage in five seats currently held by Democrats. If approved, the measure would effectively eliminate five Republican-held districts in California.

Thousands of military homes across the UK will be modernised, refurbished or rebuilt over the next decade under a £9bn government plan to improve defence housing.

The Ministry of Defence’s new housing strategy will see improvements made to almost all of its 47,700 homes for military families in what Defence Secretary John Healey said will be the “biggest renewal of Armed Forces housing in more than 50 years”.

The plan is in response to consistent complaints from serving personnel about the state of their accommodation.

In 2022, dozens of members and their families told the BBC they were having to live in damp, mould-infested housing without heating.

A Commons defence committee last year found two-thirds of homes for service families needed “extensive refurbishment or rebuilding” to meet modern standards.

Under the new strategy, service family accommodation (SFA) will be refurbished with new kitchens, bathrooms and heating systems.

About 14,000 will receive either “substantial refurbishment” or be completely replaced.

The plans are part of the government’s wider defence housing strategy, to be published on Monday. A total of £4bn in funding to tackle the housing problem had already been announced.

The government says it has also identified surplus MoD land which could be used to build 100,000 new homes for civilian and military families.

Healey said: “This is a new chapter – a decisive break from decades of underinvestment, with a building programme to back Britain’s military families and drive economic growth across the country.”

Almost three years ago, the BBC was contacted by families in military accommodation in Sandhurst who had been living without heating for days.

“We’re at breaking point and something has to change. The system is broken,” they said at the time.

In response to the story, the MoD said it was working with its contractors to improve the service. But a report released in December last year found those problems “still exist”.

“It is shocking that until a policy change in 2022, it was considered acceptable to house families in properties known to have damp and mould,” the report said.

The MoD last year announced it would acquire 36,347 military houses from property company Annington Homes for nearly £6bn, reversing a privatisation deal struck in 1996 under the Conservative government.

The deal would save millions in rent and maintenance costs, the MoD said, money that would be put towards fixing military accommodation.