PANGASINAN STATE UNIVERSITY

COLLEGE OF ENGINEERING AND ARCHITECTURE

URDANETA CITY CAMPUS

AHH 511
HOUSING AND HUMAN SETTLEMENTS
FIRST SEMESTER 2019-2020 M13:00-16:00

PRMT-01
KEY SHELTER AGENCIES IN THE PHILIPPINES
DATE DUE: 02 SEPTEMBER 2019

MEJIA, MARINELLE JOY P. 1ST SEMESTER 2019-2020

BS ARCHITECTURE ARCH. COQUIA, NELCO PAUL P.

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PRMT-01: KEY SHELTER AGENCIES

The following key shelter agencies in the Philippines will be discussed in this paper:
 HUDCC - Housing and Urban Development Coordinating Council
 NHA - National Housing Authority
 HGC - Home Guaranty Corporation
 SHFC - Social Housing Finance Corporation
 PAG-IBIG Fund - Home Development Mutual Fund
 HLURB - Housing and Land Use Regulatory Board
 NHMFC - National Home Mortgage Finance Corporation

HOUSING AND URBAN DEVELOPMENT

COORDINATING COUNCIL (HUDCC)
HUDCC PROFILE

The Housing and Urban Development Coordinating Council

(HUDCC) is the government agency under the Office of the President
created by virtue of Executive Order No. 90 (s. 1986), which serves as the oversight, the over-all
coordinator, initiator and facilitator of all government policies, plans and programs for the housing
sector; sets the overall direction and targets for the sector; and determines strategies, formulates
appropriate policies, monitors, and evaluates the programs, projects and performance of the
implementing shelter agencies.

The HUDCC has four major key result areas which include the formulation of plans and
policies on housing and urban development, development and supervision of innovative strategies
and programs for tenure security, urban renewal and other support services, provision of overall
administration and supervision to Key Shelter Agencies (KSAs), and provision of technical
assistance to the Local Government Units (LGUs) on the delivery of housing services to their
constituents.

The HUDCC, together with its attached Key Shelter Agencies, addresses various issues in
the areas of housing finance, housing regulation, housing production and institutional
development.​ ​

HISTORY

▌ 17 December 1986 - HUDCC was created by then President Corazon C. Aquino by virtue
of Executive Order No. 90. The EO, which also abolished the Ministry of Human
Settlements (MHS), placed HUDCC under the direct supervision of the Office of the
President to serve as the highest policy making body for housing and coordinate the
activities of the key housing agencies to ensure the accomplishment of the Government
Shelter Program.

▌ 25 May 1989 and May 28, 2001 - Executive Order No. 357 and Executive Order No. 20 were
issued respectively, to strengthen HUDCC into department level organization by conferring it
with the power to exercise overall administrative supervision over the key housing agencies;
set and ensure the attainment of targets and objectives for the housing sector; review the
organization, programs and projects of the key housing agencies; decentralize its operations

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and enlist the assistance of the Department of Budget and Management in securing
continuing funding support to the National Shelter program.

▌ 1992 - Urban Development and Housing Act (RA 7279) mandated the HUDCC to direct the
formulation of a National Urban Development and Housing Framework in coordination with
the Local Government Units and other public and private sector agencies; design of a system
for the registration qualified socialized housing beneficiaries and inventory of land suitable for
socialized housing; and provide, through its attached housing agencies, the LGUs with
support for the preparation of town and land use plans, data for forward planning and
investment programming, and assistance in obtaining funds and other resources for housing
and urban development.

▌ From 1986 to present - there are several executive and legislative issuances including the
three laws mentioned above, that provide or authorize HUDCC with specific functions and/or
require it to undertake certain tasks related to housing and urban development. These legal
and legislative fiats assigned duties and responsibilities to HUDCC that are related to its
original mandate as the lead agency in housing and urban development.​

COUNCIL COMPOSITION

The Council is chaired by the HUDCC Chairman, with the following as members:
 Key Housing Agencies:
 National Housing Authority (NHA)
 National Home Mortgage Finance Corporation (NHMFC)
 Social Housing Finance Corporation (SHFC)
 Home Guaranty Corporation (HGC)
 Housing and Land Use Regulatory Board (HLURB)

 Key Finance Agencies:

 Home Development Mutual Fund (HDMF or Pag-IBIG Fund)
 Social Security System (SSS)
 Government Service Insurance System (GSIS)

 Support Agencies:
 National Economic and Development Authority (NEDA)
 Department of Finance (DOF)
 Department of Budget and Management (DBM)
 Department of Public Works and Highways (DPWH)
 Development Bank of the Philippines (DBP)
 Metro Manila Development Authority (MMDA)
 Presidential Management Staff (PMS)

 Two representatives from the Private Sector representing any of the following
groups:
 Developers
 Bankers
 Contractors
 Professionals
 low-income beneficiaries
At present, the private sector is represented by the following real estate developers
engaged in low-cost housing with extensive experience in real estate development:

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 MGen. Rufo De Veyra
 Engr. Marcelino Mendoza

The HUDC Council is supported by the Secretariat, which is headed by a

Secretary–General. The Secretary-General is an ex-officio member of the Council and is
responsible for the execution and administration of its approved policies and measures.

COUNCIL FUNCTIONS

The HUDCC Council has the following powers and functions:​

▌ To formulate national objectives for housing and urban development ​ ​ ​ and ​ to design
broad strategies for the accomplishment of these objectives;​

▌ To determine the participation and coordinate the activities of the key government housing
agencies in the national housing program;​

▌ To monitor, review and evaluate the effective exercise by these agencies of their assigned
functions;​

▌ To assist in the maximum participation of the private sector in all aspects of housing and
urban development;

▌ To recommend new legislation and amendments to existing laws as may be necessary for
the attainment of government’s objectives in housing;​

▌ To formulate the basic policies, guidelines and implementing mechanisms for the disposal or
development of acquired or existing assets of the key housing agencies which are not
required for the accomplishment of their basic mandates; and

▌ To exercise or perform such other powers and functions as may be deemed necessary,
proper or incidental to the attainment of its purpose and objectives.

STRUCTURE AND FUNCTIONS

ORGANIZATIONAL STRUCTURE

▌ Office of the Chairperson – supports the HUDCC Chairperson in his/her task of providing
overall direction to carry out the functions of the agency as well as in his/her capacity as
Chairman of the Board of the Key Shelter Agencies.​

▌ Office of the Secretary General – provides technical and administrative support to the
Secretary General (SG) in the implementation of policies and measures approved and
directed by the Chairperson and in managing the day-to-day operations and affairs of the
HUDCC.

▌ Offices of the Deputy Secretary General - tasked to oversee the functions of the different
operating groups and assist the Secretary General in managing the day-to-day operations of
HUDCC.

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▌ Policy Development, Legislation and Special Projects Group (PDLSG) – formulates and
reviews policies, plans, programs, and guidelines related to housing and urban development.

▌ Coordination, Monitoring and Evaluation Group (CMEG) – assists in the formulation of

sector plans, monitors and evaluates the performance of shelter agencies and consolidates
the overall accomplishments of the housing sector.

▌ Legal, Anti-Squatting and External Affairs Group (LASEAG) – provides legal and
counselling services relative to the functions of the HUDCC, including the review of contracts,
handling of all litigation cases filed for and against HUDCC; oversees the curtailment of
nefarious and illegal activities of professional squatters and squatting syndicates; and
provides overall public relations, information an​ d assistance to external clients of HUDCC.

▌ Asset Reform Group (ARG) – provides overall direction in the optimum utilization of idle
government properties, particularly the proclamation of these properties for housing and
secure tenure, and conducts complete staff work on all requests for proclamation of idle
government lands for socialized housing prior to submission to the DENR and Office of the
President for approval. It is also responsible for overseeing the development of proclaimed
areas, where HUDCC is the administrator, as well as monitoring the implementation of other
proclamations administered by other agencies.

▌ Community Development Group (CDG) – facilitates the implementation of a

comprehensive community development framework that will enable newly formalized poor
owners and small entrepreneurs to form new productive ties and networks with each other
and with other sectors.

▌ Regional Operations Group (ROG) – oversees the implementation and ​ monitoring of

housing policies and programs in the regions, through linkages with concerned agencies and
organizations at the field level.
▌ The HUDCC has offices in the following regions: Baguio City serving Regions I, II and CAR;
Legazpi City for Region V; Iloilo City for Region VI; Cebu City for Regions VII and VIII;
Zamboanga City for Region IX; Cagayan de Oro City for Regions X, CARAGA and a portion
of ARMM; and Davao City for Regions XI and XII and a portion of ARMM. The concerns of
Regions III, IV-A and IV-B are directly handled by HUDCC Central Office.​

▌ Administrative, Finance and Knowledge Management Group (AFKMG) – provides

effective and efficient administrative and financial support to the HUDCC through human
resource development; systematic planning and budgeting; acquisition, maintenance and
disposition of assets; and information system management.

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NATIONAL HOUSING AUTHORITY (NHA)

The National Housing Authority (NHA) is the sole national agency
mandated to engage in housing production for low income families.

HISTORY

▌14 October 1938 - the first government housing agency established, the People’s Homesite
Corporation (PHC)
▌17 September 1945 - the National Housing Commission (NHC) was created seven years later
▌4 October 1947 - the PHC and NHC, were eventually merged on into the People’s Homesite
and Housing Corporation (PHHC).
▌In the years that followed, six (6) more housing agencies were created to respond to separate
and distinct shelter requirements, namely:

 the Presidential Assistant on Housing and Resettlement Agency (PAHRA);

 the Tondo Foreshore Development Authority (TFDA);
 the Central Institute for the Training and Relocation of Urban Squatters (CITRUS);
 the Presidential Committee for Housing and Urban Resettlement (PRECHUR);
 the Sapang Palay Development Committee (SPDC);
 the Inter-Agency task Force to Undertake the Relocation of Families in Barrio
Nabacaan, Villanueva, Misamis Oriental.

▌ 15 October 1975 - the National Housing Authority (NHA) was organized as a

government-owned and controlled corporation, by virtue of Presidential Decree No.
757 dated 31 July 1975. All other housing agencies were abolished by the said decree.
▌ The NHA took over and integrated the functions of the abolished agencies- the PHHC and the
six (6) other housing agencies. The creation of the NHA is the second attempt of the
government to integrated all housing efforts under a single agency, twenty-eight
years after the merger under the PHHC.
▌ 1978 - the Ministry of Human Settlements (MHS) was created. The Ministry adopted the
holistic approach to housing. the NHA was placed as an attached agency to the MHS.
▌ 26 March 1986 - Executive Order No. 10 was issued placing the NHA as well as the other
agencies attached to the abolished MSH, under the administrative supervision of the
office of the President.
▌ 17 December 1986 - Executive Order No. 90 was issued, rationalizing the housing structure
in the government along lines of specialization and concentration.
EO 90 identified the key housing agencies to implement the National Shelter Program
and defined their respective mandates. The NHA was mandated to be the sole
government agency to engage in housing production. Under the said Executive Order,
NHA was placed under the policy and program supervision of the Housing and
Urban Development Coordinating Council (HUDCC), the umbrella agency for shelter
charged with the main function of coordination the activities of various government
housing agencies engaged in production, finance and regulation.
▌ 28 May 2001 - Executive Order No. 20 reaffirmed mass housing as a centerpiece program in
the poverty alleviation efforts of government. Said EO likewise reaffirmed HUDCC’s
administrative supervision over the housing agencies including the NHA.

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MANDATE

Under PD 757 dated 31 July 1975. NHA was tasked to develop and implement a comprehensive
and integrated housing program which shall embrace, among others, housing development and
resettlement, sources and schemes of financing, and delineation of government and private sector
participation.

MISSION VISION
We provide decent, adequate, and affordable By 2019, NHA would have provided 50% of
housing to low-income families, ensure the the housing needs for homeless low-income
provision of community facilities, utilities, and families (based on the 2011 census) primarily
access to social services and economic those living in waterways, danger areas, and
opportunities. government infrastructure project sites in
Metro Manila and all regions nationwide.

QUALITY POLICY

We pledge to Building Adequate, Livable, Affordable and Inclusive Filipino Communities (BALAI).

“We ensure the availability of basic services, community facilities and access to social and
economic opportunities to homeless, low-income families” is NHA’s commitment to sustainable
development in nation building.

We pursue comprehensive, integrated and gender responsive housing programs through effective
collaboration and partnership with key stakeholders, towards improved housing beneficiaries’
satisfaction.

We pledge to a continuing organizational development that harnesses the potentials and promotes
the well-being of our employees in the attainment of corporate goals.

We adhere to statutory and applicable laws, issuances, policies, rules, and regulations and
continually improve our Quality Management System.

We affirm that Quality is synonymous with good governance, work excellence with integrity,
accountability, and transparency.

MARCELINO P. ESCALADA, JR.

General Manager
March 19, 2018

PROGRAMS

INFORMAL SETTLERS FAMILIES (ISF)

 Involves relocation and resettlement of families living in or along danger areas in Metro
Manila particularly those along waterways such as creeks, rivers, and esteros.

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 Undertaken through in-city low-rise housing development utilizing government-owned
land or off-city resettlement (outside Metro Manila) where in-city project plans are not
feasible.
 Also covers implementation of alternative in-city project schemes proposed by Program
Stakeholders (Informal Settler Families)

RESETTLEMENT PROGRAMS

ISFs in Metro Manila

 Addresses the resettlement requirements of families affected by infrastructure projects in

Metro Manila and those living along danger areas in nearby provinces of Rizal, Cavite,
Laguna, Bulacan, Pampanga and Bataan
 Entails the provision of housing units, community facilities, socio-economic and other
community support programs.

Regional Resettlement Program

 Involves the implementation of local/regional resettlement projects as joint National

Government and Local Government undertakings.
 Addresses the resettlement requirement of Local Government Units (LGUs) outside Metro
Manila involving families in danger areas, those affected by infrastructure projects,
calamities, and for indigenous people.

HOUSING ASSISTANCE PROGRAMS FOR CALAMITY VICTIMS

 Responds to the housing need of low and marginal-income and/or informal settler families
for permanent shelter affected by calamities such as typhoons, landslides, earthquakes,
and fires for relocation to safe areas.
 Also involves the provision of housing materials assistance (HOMA) to families whose
homes are partially damaged by calamities in the “safe-zone” but do not require relocation
and resettlement.

SETTLEMENTS UPGRADING PROGRAM

 Intended to address the security of tenure and infrastructure requirements of informal

settlements on government land and proclaimed or designated as socialized housing
sites.
 Covers survey and titling of individual lots for disposition to qualified occupants,
infrastructure development, housing construction and rehabilitation of existing project
sites.

AFP-PNP HOUSING PROGRAM

 The program is intended to provide decent and affordable housing to low-salaried

personnel of the Armed Forces of the Philippines (AFP), Philippines National Police (PNP),
Bureau of Jail Management and Penology (BJMP), Bureau of Fire and Protection (BFP),
and the Bureau of Corrections (BuCor).

LOCAL HOUSING PROGRAMS

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 Covers the implementation of cost-recoverable socialized housing projects in urban and
urbanizable areas in all congressional districts.
 This is mandated under RA 7835 or the Comprehensive and Integrated Shelter Financing
Act of 1994 (CISFA) and may be implemented for various housing options, land
acquisition or land tenure assistance schemes, and assistance for survey and titling,
provision/installation and repair of project components and community facilities.

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HOME GUARANTY CORPORATION (HGC)

The Home Guaranty Corporation (HGC) is a government-owned and
controlled corporation (GOCC) under the administrative supervision of
the Housing and Urban Development Coordinating Council (HUDCC).

Home Financing Commission was created 1950, since then HGC

has institutionalized a viable system of credit guaranties that has become an integral component
of the government’s shelter program.

HGC takes the risk out of private investment in housing by providing risk covers and fiscal
incentives to housing credits extended by developers, banks and other financing institutions. The
more HGC guarantees—the more private funds flow for housing and urban development.

With the enactment of Republic Act No. 8763, or the Home Guaranty Corporation Act of 2000,
the authorized capital of HGC was increased from P2.5 billion to P50 billion and its corporate life
extended to another 50 years.

HGC VISION AND MISSION

VISION MISSION

Improved private sector participation in To mobilize resources for housing through a

addressing the Nation's housing needs system of credit guarantees and incentives
through a viable system of credit guarantees

HGC MANDATES

▌ To guarantee the payment of any and all forms of mortgages, loans and other forms of credit
facilities and receivables arising from financial contracts exclusively for residential purposes
and the necessary support facilities (provided they have been issued HGC Guarantees);

▌ To assist private developers to undertake socialized, low and medium cost mass housing
projects by encouraging private funds to finance such housing projects through a viable
system of long-term mortgages, guaranties and other incentives;

▌ To promote homebuilding and landownership, giving primary preference to the homeless and
underprivileged sectors of the society;

▌ To promote housing by the aided self-help method;

▌ To pursue the development and sustainability of a secondary mortgage market for housing.
Republic Act No. 8763 (2000)
▌ To administer the Cash Flow Guaranty System of the Abot-Kaya Pabahay Fund.

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 Republic Act No. 6846 (1990)
 Social Housing Support Fund Act
 (Abot Kaya Pabahay Fund Act)
▌ To supervise and regulate building and loan associations.
 Republic Act No. 8763 (2000)
 Republic Act No. 8791 (2000)
 General Banking Law

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Social Housing Finance Corporation (SHFC)

The Social Housing Finance Corporation (SHFC) was created
through Executive Order No. 272 (E.O.272), which directs the transfer
of the Community Mortgage

Program (CMP), Abot Kaya Pabahay Fund (AKPF) Program, and

other social housing powers and functions of the National Home
Mortgage Finance Corporation to
the SHFC.

Historical Background

▌ 20 January 2004 - Signing of Executive Order 272 authorizing the creation of SHFC
▌ 21 June 2005 - Approval of SHFC registration to the Securities and Exchange Commission
(SEC)
▌ 03 October 2005 - Appointment of Atty. Fermin T. Arzaga as the new SHFC President
▌ 24 October 2005 - SHFC Inauguration and First Board Meeting
▌ 03 November 2005 - Execution of Memorandum and Trust Agreements between NHMFC
and SHFC
▌ 22 January 2007 - Transfer of SHFC to its corporate office at the Paseo de Roxas Avenue,
Makati City
▌ 27 July 2007 - Creation of the Localized Community Mortgage Program (LCMP)
▌ 25 January 2011 - Appointment of Ms. Ma. Ana R. Oliveros as the new SHFC President
▌ 16 May 2011 - Approval of the Revised CMP Guidelines
▌ 17 May 2011 - Awarding of the first taken-out project under the LCMP (Sunrise HOA,
IGACOS)

MANDATE

Under E.O. 272, the SHFC shall be the lead government agency to undertake social housing
programs that will cater to the formal and informal sectors in the low-income bracket and shall take
charge of developing and administering social housing program schemes, particularly the CMP
and the AKPF Program (amortization support program and development financing program).

SHFC VISION AND MISSION

VISION MISSION

We empower and uplift the living conditions of

underprivileged communities by
By 2022, SHFC shall have provided 530,000 Building Adequate Livable Affordable
organized homeless and low-income families and Inclusive (BALAI) Filipino Communities
with Flexible, Affordable, Innovative, and through provision of FAIR shelter solutions in
Responsive (FAIR) shelter solutions to strong partnerships with the national and local
their housing needs. government, as well as the civil society
organizations and the private
sector to support the underprivileged
communities.

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CORE VALUES

Servant Leadership
Institutionalizing a culture of leadership that recognizes the role of government employees as
public servants

Professionalism
Promoting the highest standards for individual and corporate performance

Accountability
Setting and implementing performance standards that are clear and understandable to the public

Integrity
Keeping high ethical standards at the corporate and individual level

Stewardship
Putting premium to sustainability and the judicious and proper use of internal resources

Excellence
Upholding the virtue of excellence in every activity

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HOME DEVELOPMENT MUTUAL FUND/

Pag-IBIG FUND (HDMF)

The Home Development Mutual Fund (abbreviated as HDMF),

more popularly known as the Pag-IBIG Fund, is
a Philippinegovernment-owned and controlled corporation under
the Housing and Urban Development Coordinating
Council responsible for the administration of the national savings
program and affordable shelter financing for Filipinos employed by
local and foreign-based employers as well as voluntary and self-employed members. It offers its
members short-term loans and access to housing programs.

THE BIRTH OF THE HOME DEVELOPMENT MUTUAL FUND

The birth of the Home Development Mutual Fund (HDMF) was an answer to the need for a
national savings program and an affordable shelter financing for the Filipino worker.

▌ 11 June 1978 - The Fund was established by virtue of Presidential Decree No. 1530
primarily to address the above mentioned two basic yet equally important needs.
Under the said law, there were two agencies that administered the Fund. The Social Security
System (SSS) handled the funds of private employees, while the Government Service
Insurance System (GSIS) handled the savings of government workers.

▌ 1 March 1979 - Executive Order No. 527 was signed. The order directed transferring the
administration of the Fund to the National Home Mortgage Finance Corporation (NHMFC),
which was one of the operating agencies of the then Ministry of Human Settlements (MHS).

▌ 4 June 1979 - Seeing the need to further strengthen the stability and viability of the two funds,
Executive Order No. 538 was issued, merging the funds for private and government
personnel into what is now known as the Pag-IBIG Fund.

▌ 14 December 1980 - Pag-IBIG was made independent from the NHMFC with the signing of
PD 1752, which amended PD 1530. With the improved law in effect, the Fund's rule-making
power was vested in its own Board of Trustees. Likewise, PD 1752 made Pag-IBIG
membership mandatory for all SSS and GSIS member-employees.

A NEW ADMINISTRATION, SOME CHANGES IN PAG-IBIG

Months after former President Corazon C. Aquino assumed leadership of the country, Pag-IBIG
contributions were suspended from May to July 1986. This gave way to the Presidential Task
Force on Shelter to conduct a thorough review of the Fund and its operations. The task force later
affirmed that Pag-IBIG Fund was run professionally and that there were no anomalies in the Fund.
On 1 August 1986, former President Aquino directed the resumption of Pag-IBIG membership
under Executive Order No. 35. Membership was still on a mandatory basis but under more liberal
terms. For one, contribution rate was reduced from three percent to one percent for employees
earning over P1,500. Employer share was likewise cut from three percent to a fixed rate of two
percent. The Maximum Fund Salary was raised from P3,000 to P5,000.

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1 January 1987 marked the return of the Pag-IBIG Fund to a voluntary program under Executive
Order No. 90. While many companies chose to discontinue their Pag-IBIG membership, quite a
number, including big companies like PLDT and Dole Philippines, nevertheless opted to retain
their membership to the Fund despite the voluntary nature of registration.

FACING CHALLENGES HEAD ON

Confronted with the sudden reduction in its membership base, Pag-IBIG stood unfazed and took
the challenges head on. As a first step, the Fund implemented an intensified marketing campaign
that focused on membership retention and generation.

It was during the years as a voluntary fund that Pag-IBIG evolved from an institution primarily for
savings and housing into an agency with a wider reach that covers almost all other needs.

Pag-IBIG introduced innovative benefit programs that heeded the calls for expansion of
membership to include self-employed groups with informal income, overseas Filipino workers, and
non-earning spouses. It also launched other novel programs such as the Multi-Purpose Loan for
its short-term loans program, and shelter programs that address both individual and institutional
housing requirements.

Clearly, the voluntary nature of Pag-IBIG membership did not stop the Fund from growing in depth
and breadth. During the period, the Pag-IBIG Fund has claimed its rightful place in the country's
economic and financial system, finally gaining the acceptance of its members, not by force, but by
its continuing efforts to impress upon the members that the Fund exists solely for their benefit as
well as their beneficiaries.

After eight years as a voluntary fund, the nature of Pag-IBIG membership reverted to mandatory
on 17 June 1994 when President Fidel V. Ramos signed Republic Act 7742. The new law became
effective on 1 January 1995.

CONTINUATION : FACING CHALLENGES HEAD ON

Today, more than a decade after the universal Pag-IBIG coverage law was implemented, the
Pag-IBIG Fund continues to be a strong partner in realizing Filipino workers' dreams. Over the
years, it initiated more programs and projects, particularly those that address the needs of
members belonging to the bottom economic level. The Fund has established special housing
partnerships with teachers and uniformed men, among others. The Rent-to-Own Program was
introduced, providing members another affordable way of homeownership.

The Fund's efforts towards housing the Filipino did not go unnoticed. During the World Habitat Day
celebration in October 2006, Pag-IBIG was given the prestigious Scroll of Honour Awards by the
United Nations Human Settlements Program (UN-Habitat) for "making the dream of affordable
housing a reality for hundreds of thousands of households." Pag-IBIG is the first Philippine
government agency to be awarded such recognition.

The Fund likewise strengthened its partnership with accredited developers by way of its various
institutional lending programs, among which is the much-sought after program for the
development of medium and high-rise condominium buildings. The program provides a ready
inventory of condominium units for sale at affordable prices, and allows members to experience
condominium style living in areas close to their places of work.

CONTINUATION : FACING CHALLENGES HEAD ON

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In recent years, the Fund has embarked on its successful bid in the financial market, moving a
step closer to its vision of becoming a premier and globally competitive provident financial
institution. In 2001, the Fund floated P2 billion-worth of Pag-IBIG Housing Bonds to generate
additional funds for its shelter financing programs, which was warmly received by both institutional
and individual investors. The bonds matured in late 2006.

HDMF LAW OF 2009

Recognizing HDMF's contributions through the years and the need to further strengthen its
capability as the biggest source of housing finance in the country to date, President Gloria
Macapagal-Arroyo signed into law Republic Act No. 9679 or the Home Development Mutual Fund
Law of 2009. The law was signed on 21 July 2009. Under the new HDMF law, membership to the
Pag-IBIG Fund is made mandatory for all SSS- and GSIS-covered employees; uniformed
members of the AFP, BFP, BJMP and PNP; as well as Filipinos employed by foreign-based
employers. Now more than ever, Filipino workers will enjoy the benefits that are available only to
Pag-IBIG members.

Likewise, the law grants the HDMF exemption from tax payments like other government provident
institutions. With its tax-exempt status reinstated, Pag-IBIG will have more funds to finance
housing and short-term loans as well as investments in government securities. Income from these
endeavors is distributed exclusively to Pag-IBIG members in the form of dividends.

The HDMF Law of 2009 also gives the Board of Trustees the authority to set the contribution rates,
thereby paving the way for members to save more for their future. Similarly, this will bolster the
Fund's resources for home financing.

Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko,

Industria at Gobyerno. To this day, the Pag-IBIG Fund continues to harness these four sectors of
the society to work together towards providing Fund members with adequate housing through an
effective savings scheme.

CORPORATE VALUES

The governing values that will steer the Pag-IBIG Fund in pursuit of its vision include
Professionalism, Integrity, Excellence, and Service.

MISSION VISION

VISION MISSION

For every Filipino worker to save with To generate more savings from more Filipino
Pag-IBIG Fund and to have decent shelter. workers, to administer a sustainable Fund
with integrity, sound financial principles, and
with social responsibility, and to provide
accessible funds for housing of every
member.

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Housing and Land Use Regulatory Board (HLURB)

The Housing and Land Use Regulatory Board (HLURB) is the
country’s primary government agency tasked with providing technical
support in matters including, but not limited to: housing regulations,
land development and homeowners associations, and settlement of
land disputes.

HLURB operates via a triad of strategies:

 Policy development
 Planning
 Regulation
Its services cater to home buyers, developers, homeowners associations, brokers and local
government units.

HISTORY

▌ September 19, 1973 - a year after the declaration of Martial Law, Pres. Ferdinand Marcos via
Executive Order no. 419 declared the creation of the Task Force on Human Settlements
which served as a framework plan for the country that would locate priority areas for human
settlement initiatives.

▌ May 13, 1976 - Under Presidential Decree no. 933 signed by the same president, the Human
Settlements Commission was created to facilitate land reform programs in that time.
Presidential Decree no. 1396 of 1978 renamed it to Human Settlements Regulatory
Commission and was given an initial budget release of P100 million.

▌ 1981 - under the same regime, it was reorganized as the Human Settlements Regulatory
Commission by virtue of Executive Order no. 648.

▌ December 17, 1996 - the commission was identified in Executive Order no. 90 as one of the
government agencies essential for the six-year National Shelter Program under Pres.
Corazon Aquino – it was at this time that the name was changed to what we now know as
the Housing and Land Use Regulatory Board.

▌ To update, BALAI Filipino (Building Adequate, Livable, Affordable, and Inclusive

Filipino Communities) is Pres. Rodrigo Duterte’s 10-year national housing strategy
program that brings together key shelter agencies (including HLURB) in order to improve the
performance of the housing sector.

MANDATES

▌ Executive Order No. 648 s. 1981

Reorganizing the Human Settlements Regulatory Commissions.
▌ Executive Order No. 71
Devolving the Powers of the Housing and Land Use Regulatory Board to
approve subdivision plans, to cities and municipalities pursuant to R.A. No. 7160,
otherwise known as the Local Government Code of 1991.
▌ Executive Order No. 72
Providing for the preparation and implementation of the comprehensive Land

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Use Plans for Local Government Units pursuant to the Local Government Code
of 1991 and other pertinent laws.
▌ Presidential Decree No. 957
Regulating the sale of subdivision lots and condominiums, providing penalties for
violating thereof
▌ Presidential Decree No. 1216
Defining "open space" in residential subdivisions and amending section 31 of
Presidential Decree No. 957 requiring subdivision owners to provide roads,
alleys, sidewalks and reserve open space for parks or recreational use
▌ Republic Act No. 7279
An Act to provide a comprehesive and continuing urban development and
housing program, establish the mechanism for its implementation, and for other
purposes.
▌ Republic Act No. 7899
An act amending section four and section sixteen of the Republic Act Numbered
Four thousand seven hundred twenty-six, otherwise known as "The
Condominium Act"
▌ Batas Pambansa Blg. 220
An act authorizing the ministry of human settlements to establish and promulgate
different levels of standards and technical requirements for economic and
socialized housing projects in urban and rural areas from those provided under
Presidential Decrees Numbered Nine Hundred fifty-seven, Twelve hundred
sixteen, Ten hunderd ninety-six and Eleven hundred eighty-five.

HLURB MISSION AND VISION

VISION MISSION

An institution of professionals exemplifying To promulgate and enforce policies on land

public service with responsibility, integrity, use, housing and homeowners associations
competence and justice geared towards the which promote inclusive growth and
attainment of well-planned and sustainable economic advancement, social justice and
communities through the regulation of land environmental protection for the equitable
use, housing development and homeowners distribution and enjoyment of development
associations, and the just resolution of benefits.
disputes.

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National Home Mortgage Finance Corporation

(NHMFC)

National Home Mortrage Finance Corporation is a government

home mortgage institution. Its main function is to operate as a
secondary home mortgage market utilizing long term funds
provided by the Philippine Social Security System (SSS), the
Government Service Insurance System (GSIS) and the Home
Development Mutual Fund (HDMF) to purchase mortgages originated
by both public and private institutions.

The National Home Mortgage Finance Corporation (NHMFC), created in 1977 under
Presidential Decree 1267, is mandated to make more affordable housing loans available to
Filipino homebuyers. It does so by operating a feasible home mortgage market made up of
public and private financial institutions.

MANDATE

PD No. 1267 (December 21, 1977)

Develop and provide for a secondary home mortgage market, charged with the development
of a system that will attract private institutional funds into long-term housing mortgages.

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SUMMARY:

Shelter, as one of the fundamental necessities for human survival, should never be neglected
and give less importance. The discussed agencies were the following:

Executive Order no. 90 primarily enabled the creation of the Housing and Urban
Development Coordinating Council (HUDCC) – the main government body responsible for all
housing sector efforts. HUDCC manages the overall administration and supervision of the key
shelter agencies:

The Home Development Mutual Fund (HDMF) was established on June 11, 1978 under
Presidential Decree no. 1530. Also known as Pag-IBIG Fund , it is the country’s national savings
program that provides assistance in affordable shelter financing for Filipino workers.
The government owned and controlled Home Guaranty Corporation (HGC) encourages
banks, developers and financial institutions to let individual home buyers loan cash while at the
same time issues guarantees to the lending private sectors. The corporation, first known as Home
Financing Commission, was created by virtue of Republic Act no. 580 in September 15, 1950.
For low income families who lack the capacity to procure a housing loan, the National
Housing Authority (NHA) engages in low-cost housing production and development,
resettlement and sourcing of home financing. NHA originates from the merging of the People’s
Homesite Corporation and the National Housing Commission on October 4, 1947.
The National Home Mortgage Finance Corporation (NHMFC), created in 1977 under
Presidential Decree 1267, is mandated to make more affordable housing loans available to
Filipino homebuyers. It does so by operating a feasible home mortgage market made up of public
and private financial institutions.
The Social Housing Finance Corporation (SHFC) was created in January 20, 2004 under
Executive Order no. 272. The corporation is mandated to propagate housing programs for formal
and informal settlers in the low-income groups.

HLURB, together with all the other agencies, work towards providing viable and affordable
housing programs for the Filipino people.

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