HUDCC (HOUSING AND URBAN DEVELOPMENT COORDINATING
COUNCIL) - created thru Executive Order No. 90, is the
highest policy making and coordinating office on
shelter. It is an umbrella organization which consists
of heads of four housing agencies.
History
The Housing and Urban Development
Coordinating Council (HUDCC) was created by then
President Corazon C. Aquino by virtue of Executive
Order No. 90 dated 17 December 1986. The EO,
which also abolished the Ministry of Human
Settlements, 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.
On 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 and enlist the assistance
of the Department of Budget and Management in
securing continuing funding support to the National
Shelter program.
In 1992, the 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 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.
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), and Housing and Land Use Regulatory
Board (HLURB);
 Key Finance Agencies: Home Development
Mutual Fund (HDMF or Pag-IBIG Fund), Social
Security System (SSS), and 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), and Presidential Management
Staff (PMS); and
 Two representatives from the Private Sector
representing any of the following
groups: developers, bankers, contractors,
professionals, and 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:
 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.
NHA (NATIONAL HOUSING AUTHORITY) - is a government-
owned and controlled corporation operating under
the policy and administrative supervision of the
HUDCC. The NHA is the sole government agency to
engage in shelter production, focusing its efforts to
provide to homeless, low-income Filipino families.
History
The National Housing Authority (NHA) is the
sole national agency mandated to engage in
housing production for low income families. It traces
its roots to the People's Homesite Corporation (PHC),
the first government housing agency established on
14 October 1938 and to the National Housing
Commission (NHC) which was created seven years
later, on 17 September 1945. These two agencies,
the PHC and the NHC, were eventually merged on 4
October 1947 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.
Eventually, on 15 October 1975, the National Housing
Authority 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 integrate all
housing efforts under a single agency, twenty-eight
years after the merger under the PHHC.
Three years later, the Ministry of Human
Settlements (MHS) was created in 1978. The Ministry
adopted the wholistic approach to housing. The
NHA was placed as an attached agency to the
MHS.
On 26 March 1986, Executive Order No. 10 was issued
placing the NHA as well as the other agencies
attached to the abolished MHS, under the
administrative supervision of the office of the
President. Subsequently, Executive Order No. 90 was
issued on 17 December 1986, 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 coordinating the activities of various
government housing agencies engaged in
production, finance and regulation.
Executive Order No. 20 on 28 May 2001
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.
Mission
We provide decent, adequate, and
affordable housing to low-income families, ensure
the provision of community facilities, utilities, and
access to social services and economic
opportunities.
Vision
By 2019, NHA would have provided 50% of
the housing needs for homeless low-income families
(based on the 2011 census) primarily those living in
waterways, danger areas, and government
infrastructure project sites in Metro Manila and all
regions nationwide
NHMFC (National Home Mortgage Finance
Corporation) - mandate of increasing the availability
of affordable housing loans to finance the Filipino
homebuyer acquisition of housing units through the
development and operation of a secondary market
for home mortgages.
NHMFC (NATIONAL HOME MORTGAGE FINANCE
CORPORATION)
History
The National Home Mortgage Finance
Corporation was created in 1977 by virtue of
Presidential Decree 1267, with the mandate of
increasing the availability of affordable housing
loans to finance the Filipino homebuyer's on their
acquisition of housing units through the
development and operation of a secondary market
for home mortgages. Consistent with this mandate
NHMFC bought mortgages originated by private
financial institutions and eventually sold them back
to the public through the issuance of mortgage
backed financial instruments.
However, the financial crisis which hit the
country in 1984 up to the early part of 1986 caused
the collapse of a relatively successful home-
financing program of the government. Since a
sizeable portion of NHMFC funds came from the
financial market, with addition to funds coming from
contributions of PAG-IBIG members, the 30% to 40%
interest rates of the financial market made it
impossible for NHMFC (whose lending rate was
pegged at 9%) to operate viably.
With the assumption into office of the Aquino
Administration in 1986, there was already a felt need
to reorganize the government housing agencies and
define their new mandates. Executive Order No. 90
on December 17, 1986, gave fresh mandates to the
five housing agencies, NHMFC included. As the
major government home mortgage institution,
NHMFC was tasked to operate a viable home
mortgage market, utilizing long-term funds
principally provided by the Social Security System
(SSS), the Government Services Insurance System
(GSIS), and the Home Development Mutual Fund
(HDMF), to purchase mortgages originated by both
private and public institutions that are within
government-approved guidelines. It was also
charged with the development of a system that will
attract private institutional funds into long-term
housing mortgages.
In view of the above, NHMFC clientele was
expanded to include among others,
borrower/members of SSS and GSIS (in addition to
PAG-IBIG members), and even non-members of
these institutions, as well as developers of low-cost
housing projects. Other qualified originators were
added: private developers, government agencies,
community associations, local government units and
non-government organizations, together with
private financial institutions.
Until 1995, NHMFC was operating under the
Executive Order No.90 mandate, but ceased to do
so with the signing of a Memorandum of Agreement
on Housing Finance with the Department of Finance,
Department of Budget and Management, and the
Funders (SSS, GSIS & HDMF) which transferred the
processing and payment of mortgages to HDMF in
1996.
Despite the suspension of the UHLP, the
Corporation continuously administered the
Community Mortgage Program (CMP) that was
amended under R.A. 7279 - UDHA of 1992. Further,
the Abot-Kaya Pabahay Fund Program, which was
created under R.A. 6486 in 1990 remained under
administration of NHFMC. In December 1994, R.A
7835 (or the CISFA 1995) was enacted into law and
further amended R.A. 6846 that provided for the
continuing funding support for the CMP and the
Abot-Kaya Pabahay Fund Program. The economic
slowdown of 1998 took its toll in the asset recovery
program of NHMFC. The Corporation continuously
failed to register positive financial marks. Early on the
Estrada Administration, a memorandum dated May
20, 1999 from the President addressed to HUDCC,
DOF, DBM and SEC was issued, constituting them into
a Task Force to prepare the appropriate disposition
plan for NHMFC.
Then President Estrada issued Executive
Order 195 dated December 31, 1999 directing all
government-owned and controlled corporations
under the HUDCC and the Presidential Commission
on Mass Housing (PCHM) to prepare their respective
Rationalizing and Streamlining Plans. The E.O also
mandated to re-direct NHMFC operations to the
development and provision of a secondary
mortgage market to finance mortgage take-out
and fast track the disposition of existing mortgages.
The E. O. provided the President policy direction with
respect to NHMFC.
In the 1st quarter of 2002, as part of an overall
rehab program, NHMFC hired Punongbayan &
Araullo/Ernst & Young (P&A/E&Y) as its Financial
Advisor. In the last quarter of the same year, the
Corporation undertook a Restructuring Agreement
with the Funders (SSS & HDMF) and started the
processing for the Sale of the Non Performing Loans
(NPLs) of the UHLP portfolio.
After pre-qualifying potential bidders in 2003,
NHMFC announced the competitive auction sale of
the NPLs after pre-qualifying potential bidders. This
sale is part of a strategy that will reposition the
Corporation to meet the future affordable housing
needs of the Filipino people. This realignment process
actually started during the second quarter of 2002
with the direct involvement of Management of
NHMFC, SSS, HDMF, HUDCC & the DOF.
NHMFC realignment included the formal
restructuring of its P46 B outstanding debt balance
that includes SSS and HDMF and obtaining approval
from all the required government bodies to
implement its plan to dispose of the portfolio of
delinquent loans. This complex approval process
required a consensus among all the parties and took
more than one year to achieve.
In June 20, 2004, Executive Order 272
authorized the creation of the Social Housing
Finance Corporation, a subsidiary of NHMFC. In June
21, 2005, SHFC was entrusted with the Community
Mortgage Program (CMP) and its amortization, as
well as the developmental component of the Abot-
Kaya Pabahay Fund (AKPF) Program of NHMFC. They
have also assumed the implementation of the AKPF
and CMP upon the mandate to be leading
government agency to undertake social housing
programs for the low-income earners. For more than
17 years, AKPF and CMP has become the most
affordable-long term micro finance facility that
meets land tenure and housing security
requirements of the "poorest of the poor". It is
recognized as the most successful housing program
for the homeless and the underprivileged sector of
our society.
In September 2006, the outcome of the CMP
and AKPF programs of SHFC and the sale of its Non-
performing Loans (NPLs) to Balikatan Housing
Finance encouraged the corporation the process of
rationalization of its manpower structure. The Plan for
Reorganization was approved by DBM and CSC in
November of 2006 and was implemented and
completed in June of 2007. The new structure helped
downsized its functions to collection and CMP
programs instead of focusing on the establishment of
a Secondary Mortgage Institution.
In August 2007, Ernst & Young Transaction
Advisory Services Inc. was became the Financial
Advisor that assisted in the maiden securitization of
the corporation and lay the building blocks for the
transformation of NHMFC into an SMI. EY TASI
conducted due diligence on the low delinquent
accounts of NHMFC and assisted the corporation in
matters of finance, accounting, regulatory and legal
implications of the securitization transaction.
In August 2008, NHMFC brought on board the
securitization expertise of Standard Chartered bank
as underwriter and Lead arranger for the maiden
securitization issue, along with the Trustee and
Special Purpose Trust, namely, DBP and PNB
respectively.
In March 23, 2009, the NHMFC launched the
maiden securitization issue of the 2.06 Billion Bahay
Bonds. This is the first residential mortgage backed
securities (RBMS) issued in the Philippines by a
government agency. The Bahay Bonds Maiden Issue
took place at the height of the global economic
crisis that was brought about by sub-primed
mortgages. This was rated AA by the Philippine
Rating Services Corporation (PhilRatings). Bahay
Bonds become oversubscribed twice because of
this the corporation was recognized by Asset Asian
Awards 2009 and was awarded the Triple A Award
category 2009 Securitization of the Year.
In November 19, 2009, the Board approved
the proposed Guidelines on the Housing Loan
Receivable Purchase Program (HLRPP) that granted
authority for the NHMFC President to approve all
purchases under the HLRPP. The new guideline
allowed the purchase of housing loan receivables
from the originating institutions and will be turned into
an asset pool for eventual issuance of securities or
bonds for sale in the capital market. With this
program, the NHMFC will continue to perform its
mandate as a Secondary Mortgage Institution (SMI)
to operate a viable housing finance system thru the
securitization of the residential home mortgages.
In August 2012, NHMFC issued the second of
its Bahay Bonds series (BB2). It is the first ever retail
mortgage-backed securities (RMBS) issued in the
country and was given a conditional rating of PRS Aa
by the PhilRatings. The following year, NHMFC was
awarded by the Philippine Dealing System Holdings
Corporation & Subsidiaries (PDS Group) with the
Innovative Listed Corporate Bond Issue of the Year
for the pioneer issuance of BB2 Special Purpose Trust.
In March 2013, the NHMFC was awarded ISO
9001:2008 for the Rizal Division after audit stages
conducted by Tüv Süd PSB Philippines. In 2014,
NHMFC has expanded ISO certification for the
Borrower Counseling System of the Rizal, NCR and
Luzon Division, Extra-judicial foreclosure process
(Buyer-Initiated) of the Litigation Division and Release
of Title process of the Securities and Mortgage
Custodianship Division. In 2016, the NHMFC was
awarded ISO 9001:2008 Certification for its
Securitization of Housing Loan Portfolios and
Borrower’s Services for all its offices nationwide.
NHMFC is continuously seeking ways to
continue to cater to the housing needs of the low-
income and underserved sectors of the society. In
2016, two new sub-programs were launched with the
aim of expanding the target market of HLRPP. The
Socialized Housing Loan Takeout of Receivables
(SHeLTeR) program, rolled out in the second quarter
of 2016, aims to purchase socialized housing loan
receivables from socialized housing developers as
well as microfinance institutions, cooperatives, LGUs,
national government agencies and civic
organizations. The SHeLTeR Program offers more
affordable terms as it targets the socialized housing
market. During the last quarter of 2016, the first ever
reverse mortgage program in the Philippines was
launched through NHMFC’s MAginhawang BUhay
dahil sa baHAY (MABUHAY). The program is part of
NHMFC’s effort to address the needs of the senior
members of our community. MaBuHay allows Senior
Citizens to convert a portion of their home equity into
cash in order to address their various needs.
Corporate Goals & Objective
 Provide liquidity to the housing sector through
securitization of mortgages/assets.
 Promote stability to the housing finance system
through participation in the capital market.
 Establish an efficient and effective organization
with a professional workforce utilizing best
practices.
 Maintain efficiency in operation and efficacy in
financial management to ensure sustainability of
its programs.
 Manage its subsidiaries efficiently and
effectively.
Core Values
NHMFC shall at all times be accountable to
the people and shall discharge its mandate with
utmost responsibility, integrity and competence.
SHFC (SOCIAL HOUSING FINANCE CORPORATION) -
mandated: (a) to undertake social housing
programs that will cater to the formal and informal
sectors in the low-income bracket; and (b) to take
charge of developing and administering social
housing programs, particularly the Community
Mortgage Program (CMP) and the Abot-Kaya
Pabahay Fund(AKPF) Program.
The 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.
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).
Our Vision
By 2022, SHFC shall have provided 530,000
organized homeless and low-income families with
Flexible, Affordable, Innovative, and Responsive
(FAIR) shelter solutions to their housing needs.
Our Mission
We empower and uplift the living conditions
of underprivileged communities by Building
Adequate Livable Affordable and Inclusive (BALAI)
Filipino Communities through provision of FAIR shelter
solutions in strong partnerships with the national and
local government, as well as the civil society
organizations and the private sector to support the
underprivileged communities.
Our 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
HGC (HOME GUARANTEE CORPORATION) - is the
government-owned-and-controlled-corporation
(GOCC)mandated by law (Republic Act 8763) to
promote sustainable home ownership by providing
risk coverage or Guarantees and tax/fiscal
incentives to banks and financial
institutions/investors granting housing development
loans / credits, and home financing. As HGC focuses
on promoting home ownership to middle and low-
income families.
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).
Since its creation in 1950 as the Home
Financing Commission, 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.
Vision
Improved private sector participation in
addressing the Nation's housing needs through a
viable system of credit guarantees
Mission
To mobilize resources for housing through a
system of credit guarantees and incentive
HLURB (HOUSING AND LAND USE REGULATORY BOARD) - is a
national government agency tasked as the
planning, regulatory and quasi-judicial body for land
use development and real estate and housing
regulation. These roles are done via a triad of
strategies namely, policy development, planning
and regulation.
Mandates
1. PLANNING : (EO 648; EO 72; RA 7279)
 Formulate guidelines for Comprehensive
Land Use Plans (CLUPs)
 Render technical assistance to LGU’s in CLUP
preparation and to members of Provincial
Land Use Committee (PLUC) and Regional
Land Use Committee (RLUC) in CLUP Review.
 Review and ratify CLUPs of highly urbanized
cities (HUCs) and independent component
cities (ICCs) and review CLUPs of Metro
Manila
 Update and revise the National Urban
Development and Housing Framework under
the direction of HUDCC
 Train LGUs in subdivision plan approval and
zoning enforcement
2. REGULATION: (EO 648; EO 90; EO 71; EO 72; PD 957,
1216, 1344; BP 220; RA 7899; RA 9904; RA8763
(Sec.26));
 Register and license subdivision and
condominium projects, farm lots, memorial
parks and columbaria.
 Monitor development and construction of
registered/licensed projects.
 Update and revise rules, guidelines and
standards on housing and real estate.
 Approve Master Deed and Declaration of
Restrictions of condominium project, and
any amendment or revocation thereof
decided upon by a simple majority of all
registered owners (concurrently with City or
Municipal Engineer).
 Issue Locational Clearances for projects
considered to be of vital and National or
Regional Economic or Environmental
significance.
Register and supervise HOAs.
Register real estate brokers, dealers and salesmen
engaged in selling projects under HLURB jurisdiction.
3. ADJUDICATION: (EO 648; RA 9904, 8763 (Sec. 26))
 Disputes between subdivision lot or
condominium unit buyer and developer.
 Intra- and Inter-Homeowners associations
disputes.
 Appeals from decisions of local zoning
bodies.
HLURB in Retrospect
The Housing and Land Use Regulatory Board
(HLURB) is a national government agency tasked as
the planning, regulatory and quasi-judicial body for
land use development and real estate and housing
regulation. These roles are done via a triad of
strategies namely, policy development, planning
and regulation.
Vision
An institution of professionals exemplifying
public service with responsibility, integrity,
competence and justice geared towards the
attainment of well-planned and sustainable
communities through the regulation of land use,
housing development and homeowners
associations, and the just resolution of disputes.
Mission
To promulgate and enforce policies on land
use, housing and homeowners associations which
promote inclusive growth and economic
advancement, social justice and environmental
protection for the equitable distribution and
enjoyment of development benefits.
Quality Policy
The HLURB, as the lead agency in the
provision of technical assistance to local
government units in the preparation of
comprehensive land use plans; regulation of
housing, land development and homeowners
association; and adjudications of disputes related
thereto, is committed to deliver its services with
competence and integrity in order to satisfy its
stakeholder.
PAG-IBIG FUND (PAGTUTULUNGAN SA KINABUKASAN:IKAW,
BANGKO, INDUSTRIYA AT GOBYERNO) - To provide its
members with adequate housing through an
effective savings scheme, Pag-IBIG Fund harnesses
these four sectors of Philippine society: financial
institutions, the industrial sector, the government,
and the Filipino people. The Fund was created to
address two of the nations basic concerns: (a) the
generation of savings and (b) providing shelter for
Filipino workers.
Vision
For every Filipino worker to save with Pag-IBIG
Fund and to have decent shelter.
Mission
To generate more savings from more Filipino
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.
Corporate Values
The governing values that will steer the Pag-
IBIG Fund in pursuit of its Vision include
Professionalism, Integrity, Excellence, and Service.
HDMF (HOME DEVELOPMENT MUTUAL FUND), popularly
known as Pag-IBIG Fund (Pagtutulungan sa
Kinabukasan: Ikaw, Bangko, Industriya at
Gobyerno), was created by virtue of Presidential
Decree No. 1530 on June 11, 1978.
The Birth of Home Development Mutual Fund
The birth of the Home Development Mutual
Fund (HDMF), more popularly known as the Pag-IBIG
Fund, was an answer to the need for a national
savings program and an affordable shelter financing
for the Filipino worker. The Fund was established on
11 June 1978 by virtue of Presidential Decree No.
1530 primarily to address these two basic yet equally
important needs. Under the said law, there were two
agencies that administered the Fund. The Social
Security System handled the funds of private
employees, while the Government Service Insurance
System handled the savings of government workers.
Less than a year after on 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, which was one of the operating
agencies of the then Ministry of Human Settlements.
Seeing the need to further strengthen the stability
and viability of the two funds, Executive Order No.
538 was issued on 4 June 1979, merging the funds for
private and government personnel into what is now
known as the Pag-IBIG Fund. However, It was only on
14 December 1980 when 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-employee.
Laws and Regulations Pertaining to Housing
Republic Act No. 7279 (Urban Development and
Housing Act of 1992)
“An act to provide for a comprehensive and
continuing urban development and housing
program, establish the mechanism for its
implementation, and for other purposes.”
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 hundred ninety-
six and eleven hundred eighty-five”
Presidential Decree No. 957 (Subdivision and
Condominium Buyer’s Protective Decree)
As Amended by PD 1216 - Regulating the sale of
subdivision lots and condominiums, providing
penalties for violations thereof.
Republic Act No. 4726 (The Condominium Act)
”An act to define condominium, establish
requirements for its creation, and govern its
incidents.
Republic Act No. 6552 (Realty Installment
Buyer Protection Act)
“An act to provide protection to buyer of real estate
of installment payments”
Republic Act No. 9653 (Rent Control Act of 2009)
“An act establishing reforms in the regulation of rent
of certain residential units, providing the mechanisms
therefore and for other purposes.”
Presidential Decree No. 1517 (Urban Land Reform
Act)
“Proclaiming urban land reform in the Philippines
and providing for the implementing machinery
thereof
R.A. 10884 - Balanced Housing Program
An act strengthening the Balanced Housing
Development Program, amending for the Purpose
Republic Act No. 7279, entitled “An Act to Provide
for a Comprehensive and Continuing Urban
Development and Housing Program, establish the
mechanism for its implementation, and for other
purposes”
Objectives:
 To maximize the implementation of socialized
housing projects by making the purpose and
parameters of the balanced housing requirement
provided by RA 7279.
 Enactment of the law would help accelerate the
provision of affordable decent housing for the ISFs,
the underprivileged and the homeless Filipinos
Amendments of R.A.10884 to Sec.18 of P.D. 7279
 Requiring owners and/or developers of proposed
subdivision and condominium projects to develop
an area for socialized housing.
 Requiring that the area for socialized housing
should be equivalent to:
a. At least fifteen percent (15%) of the total
subdivision area or subdivision project cost
b. At least five percent (5%) of condominium area
or project cost
 Exempting owners and/or developers of proposed
socialized subdivision and condominium projects
from the said requirement.
 Complying with the balanced housing
requirement in the following manner:
a. Development of socialized housing in a new
settlement
b. Joint-venture projects for socialized housing
with the government, housing agencies, or
another private developer or accredited NGO
by the HLURB
c. Participation in a new project under the
community mortgage program.
d. Indicating that no other form of compliance
other than those listed may be prescribed
except through the enactment of a
subsequent law
 Mandating the HLURB to submit to Congress an
Annual Compliance Report by the Owners and/or
Developer
Penalties
 FIRST OFFENSE: Imposed a fine of not less than five
hundred thousand pesos (P500,000.00)
 SECOND OFFENSE: Suspension of license to do
business for a period of three (3) to six (6) months
and a fine of not less than five hundred thousand
pesos (P500,000.00)
 THIRD OFFENSE: Cancellation of license to do
business for the third offense.
Moratorium on Eviction and Demolition
R.A. 7279 “Urban Development Housing Act of 1992”
Demolition: Refers to the dismantling by the LGU, or
any legally authorized agency of government of all
structures within the premises subject for clearing.
Eviction: Refers to the removal of persons and their
belongings from a subject building/structure or area,
or both. in accordance with law.
Sec. 44. Moratorium on Eviction and Demolition.
There shall be a moratorium on the eviction
of all program beneficiaries and on the demolition of
their houses or dwelling units for a period of three (3)
years from the effectivity of this Act: Provided, That
the moratorium shall not apply to those persons who
have constructed their structures after the effectivity
of this Act and for cases enumerated in Section 28
hereof
Sec. 28. Eviction and Demolition. - Eviction or
demolition as a practice shall be discouraged.
Eviction or demolition, however, may be allowed
under the following situations:
(a) When persons or entities occupy danger
areas such as esteros, railroad tracks, garbage
dumps, riverbanks, shorelines, waterways, and other
public places such as sidewalks, roads, parks, and
playgrounds;
(b) When government infrastructure projects
with available funding are about to be
implemented; or
(c) When there is a court order for eviction
and demolition.
In the execution of eviction or demolition orders
involving underprivileged and homeless citizens, the
following shall be mandatory:
(1) Notice upon the effected persons or entities at
least thirty (30) days prior to the date of eviction or
demolition;
(2) Adequate consultations on the matter of
settlement with the duly designated representatives
of the families to be resettled and the affected
communities in the areas where they are to be
relocated;
(3) Presence of local government officials or their
representatives during eviction or demolition;
(4) Proper identification of all persons taking part in
the demolition;
(5) Execution of eviction or demolition only during
regular office hours from Mondays to Fridays and
during good weather, unless the affected families
consent otherwise;
(6) No use of heavy equipment for demolition
except for structures that are permanent and of
concrete materials;
(7) Proper uniforms for members of the Philippine
National Police who shall occupy the first line of law
enforcement and observe proper disturbance
control procedures; and
(8) Adequate relocation, whether temporary or
permanent: Provided, however, That in cases of
eviction and demolition pursuant to a court order
involving underprivileged and homeless citizens,
relocation shall be undertaken by the local
government unit concerned and the National
Housing Authority with the assistance of other
government agencies within forty-five (45) days from
service of notice of final judgment by the court, after
which period the said order shall be executed:
Provided, further, That should relocation not be
possible within the said period, financial assistance in
the amount equivalent to the prevailing minimum
daily wage multiplied by sixty (60) days shall be
extended to the affected families by the local
government unit concerned.
This Department of the Interior and Local
Government and the Housing and Urban
Development Coordinating Council shall jointly
promulgate the necessary rules and regulations to
carry out the above provision
P.D. 772 – Anti - Squatting Law
The P.D. No. 772 is ordered by President
Ferdinand E. Marcos on August 20, 1975, In order to
eradicate all illegal constructions including buildings
on and along esteros and river banks in urban
communities in the country.
Section 1. Any person who, with the use of force,
intimidation or threat, or taking advantage of the
absence or tolerance of the landowner, succeeds in
occupying or possessing the property of the latter
against his will for residential commercial or any • For purposes of this Act, professional squatters or
other purposes, shall be punished by an members of squatting syndicates shall be imposed
imprisonment ranging from six months to one year or the penalty of six (6) years imprisonment of a fine
a fine of not less than one thousand nor more than of not less than Sixty thousand pesos (P60,000.00)
five thousand pesos at the discretion of the court, but not more than One hundred thousand pesos
with subsidiary imprisonment in case of insolvency. (P100,000), or both, at the discretion of the court
If the offender is a corporation or
association, the maximum penalty of five years and The 1997 Rules of Civil Procedure Rule 70: Forcible
the fine of five thousand pesos shall be imposed Entry and Unlawful Detainer
upon the president, director, manager or managing Unlawful Detainer Forcible Entry
partners thereof. Possession is lawful from Possession is unlawful
Section 2. This decree shall take effect immediately.
the beginning from the beginning
Possession becomes
REPEALMENT OF PD NO. 772
unlawful from the Possession is deprived
REPUBLIC ACT NO. 8368
expiration of contract or from the lawful
• "Anti-Squatting Law Repeal Act of 1997." a right to hold possessor thru FISTS
• An act repealing Presidential Decree No. 772, possession
entitled “Penalizing Squatting and other Similar
Allegation and proving
Acts”
prior physical possession
EFFECTS OF R.A 8368 ON RELATED SUBJECTS: Prior physical possession
of the real property until
• SEC. 3. Effect on pending cases. — All pending need not be proven
he was deprived
cases under the provisions of Presidential Decree
thereof
No. 772 shall be dismissed upon the effectivity of
Section 1: Who, when and where to institute action
this Act.
- any person who:
• SEC. 4. Effect on Republic Act No. 7279. — Nothing
 Deprived of possession of any land or building by
herein shall be construed to nullify, eliminate or
FISTS
diminish in any way Section 27 of Republic Act No.
 Lessor, vendee or other person against whom
7279 or any of its provisions relative to sanctions
possession of land is unlawfully withheld upon the
against professional squatters and squatting
expiration of any contract or the expiration of
syndicates.
any right to hold possession (unlawful detainer)
"Professional squatters" refers to individuals or groups
- must be instituted:
who occupy lands without the express consent of
 Within 1 year from date of dispossession
the landowner and who have sufficient income for
 In cases of fraud, strategy and stealth, 1 year
legitimate housing. The term shall also apply to
reckoned from the date of discovery of such
persons who have previously been awarded
- action should be filed in:
homelots or housing units by the Government but
 Municipal Trial Court where the real property is
who sold, leased or transferred the same to settle
situated.
illegally in the same place or in another urban area,
Section 2: Necessity of demand
and non-bona fide occupants and intruders of lands
- the action may only be commenced after demand
reserved for socialized housing. The term shall not
to pay & vacate the premises is made upon the
apply to individuals or groups who simply rent land
lessee, or upon any person found to be in possession
and housing from professional squatters or squatting
of the premises in dispute
syndicates;
- service of demand:
"Squatting syndicates" refers to groups of persons
 Written notice upon the person found in the
engaged in the business of squatter housing for
premises
profit or gain;
 person By posting the notice on the premises if no
is found
Sec. 27. Action Against Professional Squatters and
- significance of demand:
Squatting Syndicates.
 Prescriptive period of 1 year may only be
Penalties of Sec. 27 of R.A 7279
reckoned from the date that demand is made
• Any person or group identified as such shall be
- multiple demands:
summarily evicted and their dwellings or structures
 The one-year period for filing of the complaint is
demolished, and shall be disqualified to avail of
reckoned from the date of the last deman
the benefits of the Program. A public official who
tolerates or abets the commission of the
abovementioned acts shall be dealt with in
accordance with existing laws.