MIGUEL FERNANDO DG.

YANG AR 5171 – HOUSING (3083) – RSW PR 01

BS. ARCHITECTURE V AR. NESTOR J. LAZAGA

Instructions: Research on other government and non-government agencies or private agencies who
are involved with the housing sector. Include also their functions and logos as part of the research. e.g.,
SM Holdings, HGC, etc. Printouts are allowed, and research will be compiled on an A4 paper format.
Include also what is E.O. 90 & PD 1396.

1 I. GOVERNMENT, NON-GOVERNMENT, and PRIVATE AGENCIES INVOLVED WITH HOUSING SECTOR:

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1. PAG-IBIG (Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno)

Pag-IBIG, or the Home Development Mutual Fund, is a government-owned and controlled corporation
2 in the Philippines that provides housing loans, savings, and other financial services to Filipino workers.
. Pag-IBIG was created in 1978 with the primary objective of helping Filipinos attain their dream homes.

The Pag-IBIG Fund Affordable Housing Loan is designed for minimum-wage and low-income members
who earn up to P15,000 a month within the National Capital Region (NCR) and earn up to P12,000 per
3 month outside the NCR. Under the loan program, Pag-IBIG Fund offers a subsidized rate of of 3% per
. annum for home loans up to P580,000 in socialized subdivision projects and special low rates for home
loans of up to P750,000 for socialized condominium projects.

Pag-IBIG Fund has financed 5,411 socialized homes for minimum-wage and low-income members in
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the first four months of 2022, its top executives said today. Socialized home loans make up 18% of the
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29,310 units financed by the agency from January to April 2022. In terms of amount, socialized home
loans represent 7%, or P2.35 billion out of the record-high P31.97-billion home loans released by the
agency for the period.
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. “Socialized housing is designed especially for minimum- and low-wage workers. With Pag-IBIG Fund’s
Affordable Housing Program, we make sure that all our members, particularly those from the low -
income sector, are given the opportunity to own a home. This is the essence of the BALAI (Building
Adequate, Livable, Affordable and Inclusive) Filipino Communities Program of the government’s

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housing sector towards providing decent shelter for every Filipino family,” said Secretary Eduardo D. del
6 Rosario, Chairperson of the 11-member Pag-IBIG Fund Board of Trustees and Secretary of the
.

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Department of Human Settlements and Urban Development (DHSUD).

2. HOME GUARANTEE 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). 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.

3. HLURB (Housing and Land Use Regulatory Board):

The HLURB is the lead national agency in formulating policies and guidelines, as well as in extending technical assistance to
local governments in the formulation of their comprehensive land use plans (CLUPs). It is the main convenor of the regional and
provincial level Land Use Committees (LUCs) that review, approve, and monitor the implementation of CLUPs. For highly
urbanized cities (HUCs), HLURB directly reviews and approves their CLUPs.

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 and regulation. Its
services cater to home buyers, developers, homeowners associations, brokers and local government units.

4. NHA (National Housing Authority):

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.

Executive Order No. 20 on 28 May 2001 reaffirmed mass housing as a centerpiece program in the poverty alleviation efforts of

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government. Said EO likewise reaffirmed HUDCC’s administrative supervision over the housing agencies including the NHA. On

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14 February 2019, Republic Act (RA) 11201 was issued creating the Department of Human Settlement and Urban Development
(DHSUD), under section 50 of said RA 11201 Executive Order (EO) 90 was released placing NHA and other attached agencies
and corporation under the administrative supervision for purposes of policy and program coordination, monitoring and
evaluation. NHA shall continue to function as a production and financing arm in housing and shall exercise all other functions
based on its existing laws.

5. National Home Mortgage Finance Corporation (NHMFC)

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.

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.

6. Social Housing Finance Corporation (SHFC)

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).

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During the 1980s, unlawful occupancy of vacant lots was rampant in urban areas as residential space prices continued to rise
beyond the reach of poor families. Land has become more limited due to higher urban population, increased construction of
government infrastructures, and competing commercial use. These challenges resulted in evictions of families, pushi ng them to
live precariously under extremely unhealthy conditions in the crevices of the cities such as waterways, railway tracks, fores hores,
and even dumpsites. Thus, the birth of CMP in 1988 came as a bright ray of hope for ISFs because it provided them with better
access to affordable housing loans.

The program was launched that year to give flesh to the social justice provision of the newly promulgated 1987 Constitution,
Article XIII of which commands the State to undertake “a continuing program of urban land reform and housing which will
make available at affordable cost, decent housing and basic services to under- privileged and homeless citizens.” CMP was
intended to be an asset redistribution scheme where homeless low-income families could acquire land through affordable
mortgage financing and hold it in the concept of community ownership. The program aimed to help the urban poor – mainly
communities of informal settler families (ISFs) – acquire security of land tenure through the purchase of the land they had been
living on, or the lots to where they shall be relocated to, and thereby share in the prosperity that the country was expected to
generate after the People Power Revolution. No one was to be left behind.

II. What is E.O. 90 & PD 1396.

1. E.O. 90

EXECUTIVE ORDER NO. 90 IDENTIFYING THE GOVERNMENT AGENCIES ESSENTIAL FOR THE NATIONAL SHELTER PROGRAM AND DEFINING
THEIR MANDATES, CREATING THE HOUSING AND URBAN DEVELOPMENT COORDINATING COUNCIL, RATIONALIZING FUNDING
SOURCES AND LENDING MECHANISMS FOR HOME MORTGAGES AND FOR OTHER PURPOSES

WHEREAS, Government recognizes that shelter is a basic need for which low and middle families, particularly in urbanized areas,
require assistance;

WHEREAS, Government has approved a six-year National Shelter Program which aims at providing increased levels of such
assistance on a nation-wide basis;

WHEREAS, there is a need to define the mandates of government agencies involved in housing and to better coordinate and
monitor their activities;

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WHEREAS, there is also a need to establish a system that will provide the funds required for long-term housing loans on continuous,
self-sustaining basis;

WHEREAS, there is likewise a need to encourage private sector participation in low-cost housing and finance;

2. PD 1396

PRESIDENTIAL DECREE No. 1396 CREATING THE DEPARTMENT OF HUMAN SETTLEMENTS AND THE HUMAN SETTLEMENT DEVELOPMENT
CORPORATION, APPROPRIATION FUNDS THEREFOR, AND ACCORDINGLY AMENDING CERTAIN PRESIDENTIAL DECREES.

WHEREAS, man and his community require the fulfillment of the following basic needs and requirements such as water, power, food,
clothing, shelter, medical services, education, sports and recreation, economic base (livelihood), mobility and ecological balance
embodied in a humanistic ideology for the realization of a New Society;

WHEREAS, it is the national policy to attain the fruits of social and economic development in our communities within the integrative
framework of human settlements;

WHEREAS, it is imperative that our development activities promote and enhance a wholesome relationship between beings and
their civic and physical environment;

WHEREAS, while the government has already addressed the problems of rural poverty and stagnation by adopting and
implementing a massive countryside development program, a proper development perspective requires equal concern for the
management of urban development;

WHEREAS, it is necessary to organize the government’s policies and programs along these new areas of concern by establishing an
appropriate department and delineating its relationships with the various agencies involved with its functions;

WHEREAS, it is also national policy to promote innovative land development and community development controls as a
technology for building communities and estates in new areas, or renewing communities in depressed or blighted areas; and

WHEREAS, the physical planning, development and management of new communities and estates, or of old communities and
blighted areas can best be accomplished through the creation and operation of an adequate corporate arm for the new
Department.

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 References:

1. https://nha.gov.ph/about/history/#:~:text=The%20National%20Housing%20Authority%20(NHA,production%20for%20low%
20income%20families.
2. https://www.bworldonline.com/spotlight/2022/05/18/449364/pag-ibig-fund-finances-5411-homes-for-low-wage-
earners-in-january-april-2022/
3. https://icrs.gcg.gov.ph/profiles/sss/?sector=Government%20Financial%20Institutions%20Sector&keyword=#:~:text=Histor
y,Act%20of%201954%20was%20implemented.
4. https://designingresilience.ph/housing-and-land-use-regulatory-board/
5. https://www.lamudi.com.ph/hlurb-comprehensive-
guide/#:~:text=The%20Housing%20and%20Land%20Use%20Regulatory%20Board%20(HLURB)%20is%20the,and%20settlem
ent%20of%20land%20disputes.
6. https://hudcc.gov.ph/content/attached-
agencies?fbclid=IwAR329YCSHi9vSMu6Rg37NVl_QHjUmMznzyi543hN_8BEsTlXCQiTIwWupeg
7. https://dhsud.gov.ph/wp-content/uploads/Laws_Issuances/01_Laws/EO/EO_90.pdf
8. https://www.officialgazette.gov.ph/1978/06/02/presidential-decree-no-1396-s-1978/
9. http://www.hgc.gov.ph/abouthgc.html
10. https://nhmfc.gov.ph/history/
11. https://www.shfc.dhsud.gov.ph/mandate/

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