HOUSING

5' YEAR 1%t SEMESTER

3.13. “Housing” refers to:

(a) A multi-dimensional concept relating to the process of residing and the

objects of dwelling whose main attributes are location relative to access to
livelihood, tenure arrangements, cost and physical structure, as well as their
environment;

(b) A physical structure as well as a social structure, functioning at different

spatial scales from homes, neighborhoods, communities, municipalities,
cities, provinces, and regions; and

(c) A sector of the economy, an important category of land use in both urban
and rural areas, especially in cities, and is an important factor in the over:
dynamics of the urban system;

FOR HOUSES WAY BELOW P450,000, WHAT STANDARDS DO WE USE?

WHAT KIND OF HOUSING CAN WE GET FOR LESS THAN P100,000?

WE CAN RELY ON THE CSR ARMS OF CORPORATIONS AND

THE PRIVATE SOCIAL INSTITUTIONS THAT PROMOTE HOUSING,
FOR ALL, LIKE:
GAWAD KALINGA (GK)
HABITAT FOR HUMANITY (HABITAT)
 BUILDING CODES ARE SAFETY CODES

FOR PROTECTION AGAINST:

e DESTRUCTIVE EARTHQUAKES
e RAGING FLOODS
e STRONG STORM WINDS

e FIRES
e OTHER DEFECTS OF STRUCTURES

LAWS THAT GOVERN HOUSING:

e THE NBC - REGULATES ALL STRUCTURES

e PD 957 »- REGULATES MEDIUM-COST AND OPEN MARKET HOUSING
e BP 220 - REGULATES ECONOMIC AND SOCIALIZED HOUSING

Meeting the backlog in housing | Inquirer Opinion

© https://opinion.inquirer.net/108054/meeting-backlog-housing
As reported in the Housing Industry Roadmap of the Philippines, the housing backlog as
of 2012 stood at 3.9 million housing units; as many as 832,000 families who cannot afford
to pay amortization for any unit, no matter how much the subsidy.

fr
L
 4)

be!) | ia
es
aa
iT
GAWAD KALINGA History
In 1999, Couples for Christ (CFC) built the first GK house for the Adduru family from Bagong Silang
a barangay in which the organization had previously held poverty programs.[2| The name "Gawad
Kalinga", which translates in the Filpino language either as "to give care" or "to award care," was
coined in 2000.
The first GK Expo was launched on October 4, 2003, in Fort Bonifacio, Taguig City. During this
gathering, GK launched a campaign called the GK777 campaign to build 700,000 homes in 7,000
communities for 7 years.
Isang Milyong Bayani
On February 25, 2006, GK launched the Isang Milyong Bayani ("One Million Heroes", also known as
GK1MB) program, where volunteers [rom various nations would donate 4 hours of work per month to
assist in GK communities. The program includes an annual event called the GKIMB Bayani
Challenge, a one-week national immersion/build activity, where volunteers within the program come
together to build homes ina GK community for a week.[3] The Bayani Challenge has been held in
Aurora Province and Quezon Province (2006); Albay, Camarines Sur, Sorsogon, Marinduque, and
Samar (2007);[4] Bukidnon and Lanao del Sur (2008);[5] and Sulu and Zamboanga City (2009).[6][7
[8]

Habitat for Humanity International (HFHI), generally referred to as Habitat for Humanity or
simply Habitat, is an international, non-governmental, and nonprofit organization, which was founded
in 1976 by Linda and Millard Fuller. Habitat for Humanity is a Christian organization. The,
international operational headquarters are located in Americus, Georgia, United States, with the
administrative headquarters located in Atlanta.[1]
Community-level Habitat offices act in partnership with and on behalf of Habitat for Humanity
International. In the United States, these local offices are called Habitat affiliates; outside the United
States, Habitat operations are managed by national offices. Each affiliate and national office is an
independently run, nonprofit organization. Affiliates and national offices coordinate all aspects of
Habitat home building in their local area, including fundraising, building site selection, partner family
selection and support, house construction, and mortgage servicing.
The mission statement of Habitat for Humanity is "Secking to put God's love into action, Habitat for
Humanity brings people together to build homes, communities and hope" [2] Homes are built using
volunteer labor and Habitat makes no profit on the sales.[1] In some locations outside the United
States, Habitat for Humanity charges interest to protect against inflation. This policy has been in place
since 1986, Habitat has helped more than 4 million people construct, rehabilitate or preserve more than
800,000 homes since its founding in 1976, making Habitat the largest not-for-profit builder in the
world.[3][4]
GC O &
HDMF HLURB

NHMFC SHFC

REPUBLIC ACT NO. 7279

AN ACT TO PROVIDE FOR A COMPREHENSIVE AND CONTINUING URBAN

DEVELOPMENT AND HOUSING PROGRAM, ESTABLISH THE MECHANISM FOR
ITS IMPLEMENTATION, AND FOR OTHER PURPOSES.

ARTICLE I
TITLE, POLICY, PROGRAM AND DEFINITION OF TERMS

Section 1. Title. — This Act shall be known as the "Urban Development and
Housing Act of 1992."

Sec. 2. Declaration of State Policy and Program Objectives. — It shall be the

policy of the State to undertake, in cooperation with the private sector, a
comprehensive and continuing Urban Development and Housing Program,
hereinafter referred to as the Program, which shall:

(a) Uplift the conditions of the underprivileged and homeless citizens in

urban areas and in resettlement areas by making available to them
decent housing at affordable cost, basic services, and employment
opportunities;
 THE IMPLEMENTING RULES AND REGULATIONS OF
REPUBLIC ACT NO. 11201, OTHERWISE KNOWN AS
THE “DEPARTMENT OF HUMAN SETLEMENTS
AND URBAN DEVELOPMENT ACT”

Pursuant to Section 29 of Republic Act No. 11201, otherwise known as the “Department
of Human Settlements and Urban Development Act," the following rules and
regulations are hereby adopted and promulgated:

RULEI
GENERAL PROVISIONS Si

SECTION 1. Title and Purpose. — These rules and regulations shall be known as the
"Implementing Rules and Regulations of the Department of Human Settlements and
Urban Development Act", and shall be collectively referred to as the “Rules”. This Rules
shall operationalize the provisions of Republic Act No. (RA) 11201, herein referred to as
the “Act”, and provide the regulations, guidelines and procedures that shall govern the
operations of the Department of Human Settlements and Urban Development and the
Human Settlements Adjudication Commission, herein referred to as the “Department”

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

(RA 11201)

CHAPTER VI

ATTACHED CORPORATIONS

SEC. 22. Attached Corporations. - The Department shall

exercise administrative supervision over the following housing
agencies, which shall remain to be attached for purposes of
policy and program coordination, ménitoring and evaluation:

(a) National Housing Authority (NHA);

(b) National Home Mortgage Finance Corporation

(NHMFC);

(c) Home Development Mutual Fund (HDMF); and

(d) Social Housing Finance Corporation (SHFC).

The attached corporations shall continue to function

according to existing laws and their respective Charters,
 Act of 2011”. However, each of the heads of the attached
corporations shall enter into a performance contract annually
with the Secretary in accordance with their respective
mandates, which shall be consistent with the national targets
on human settlements and urban development, and the
overall administration of the corporation.

Furthermore, within two (2) years from the effectivity of

this Act, the Secretary, in coordination with the Governance
Commission for GOCCs (GCG), shall recommend to the
President, the restrucduring of the foregoing corporations guided
by the objectives found hereunder:

(a) To eliminate overlaps, if any, in programs, within and

among the attached corporations, that serve the same
beneficiaries or clientele;

HISTORY OF NHA

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 NHC, were eventually merged on 4 October 1947 into the People’s
Homesite and Housing Corporation (PHHC).

Inthe 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 integrated 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 holistic 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 MSH, 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 coordination 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.

On 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 (EQ) 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.

Salient points of RA 11201

Philippine Daily Inquirer / 05:14 AM February 23, 2019

President Duterte signed on Feb. 14 Republic Act No. 11201, which creates the Department
of Human Settlements and Urban Development (DHSUD) by merging the Housing and
Urban Development Coordinating Council (HUDCC) and the Housing and Land Use
Regulatory Board (HLURB). It repealed Executive Orders No. 90 s. 1986 and No. 648 s.
1981.

The new department is now “the primary national government entity responsible for the
management of housing, human settlement and urban development.

The law defines human settlements to “comprise of a) physical components of shelter and
infrastructure; and b) services to which the physical elements provide support, such as
community services which include education, health, culture, welfare, recreation and
nutrition.”
 MALACANANG
Manila

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;

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;

NOW, THEREFORE, I, CORAZON C.AQUINO, President of the Philippines, do

hereby order:

Title I

HOUSING AGENCIES AND MANDATES

SECTION |. Key Agencies. To ensure the accomplishment of the National

Shelter Program, the following primary government housing agencies, any provision of
existing laws and their respective charters to the contrary notwithstanding, are hereby
mandated to:

a. National Housing Authority — The National Housing Authority shall be the

sole government agency engaged in direct shelter production. It shall focus its
efforts in providing housing assistance to the lowest 30% of urban income
earners through slum upgrading, squatter relocation, development of sites and
services and construction of core-housing units. In addition, it shall undertake
programs for the improvement of blighted urban areas and provide technical
assistance for private developers undertaking low-cost housing projects.
Development of its existing properties for housing projects for income-earners.
 above the lowest 30% may be continued provided that funds generated
thereon are utilized for the attainment of its primary mandate.

. National Home Mortgage Finance Corporation — The National Home

Mortgage Finance Corporation shall be the major government home mortgage
institution. Its initial main function is to operate a viable home mortgage
market, utilizing long-term funds principally provided by the Social Security
System, the Government Service Insurance System and the Home
Development Mutual Fund to purchase mortgages originated by both private
and public institutions that are within government-approved guidelines. It is
also charged with the development of a system that will attract private
institutional funds into long-term housing mortgages.

Human Settlements Regulatory Commission — The Human Settlements

Regulatory Commission, renamed as the Housing and Land Use Regulatory
Board, shall be the sole regulatory body for housing and land development. It
is charged with encouraging greater private sector participation in low-cost
housing through liberalization of development standards, simplification of
regulations and decentralization of approvals for permits and licenses.

. Home Financing Corporation — The Home Financing Corporation, renamed as

the Home Insurance and Guaranty Corporation, shall assist private developers
to undertake low and middle income mass housing production and encourage
private institutional funds and commercial lenders to finance such housing
development and long-term mortgage through a viable system of guarantees,
loan insurance and other incentives.
 Title I

THE HOUSING AND URBAN DEVELOPMENT COORDINATING COUNCIL

SECTION 3. Creation; Main Function; Principal Office. There is hereby created

a Housing and Urban Development Coordinating Council, hereinafter referred to as the
Council, under the immediate control and supervision of the President of the Philippines,
charged with the main function of coordinating the activities of the government housing
agencies to ensure the accomplishment of the National Shelter Program. The Council
shall have its principal office in Metropolitan Manila,

SECTION 4. Composition. The Council shall be composed of the following:

a. A Chairman, who shall be appointed by the President of the Philippines;

b. The Heads of the primary government agencies and the support agencies for
funding for housing enumeratedabove;

c. One representative each from the National Economic and Development

Authority, the Ministry of Finance, the Ministry of Budget and Management,
the Ministry of Public Works and Highways and the Development Bank of the
Philippines; and

d. Two representatives
from the private sector to be selected
by the Council,

SECTION 3. Powers and Functions of the Council) The Council shall have the
following powers and functions:

a. To formulate national objectives for housing and urban development and to

design broad strategies for the accomplishment of these objectives;

b. To determine the participation and coordinate the activities of the key

Fovernment housing agencies in the national housing program;

c. To monitor, review and evaluate the effective exercise by these agencies of

their assigned functions;

d. To assist in the maximum participation of the private sector in all aspects of

housing and urban development;

e. To recommend new legislation and amendments to existing laws as may be

necessary for the attainment of government's objectives
in housing;

f£ To formulate the basic policies, guidelines and implementing mechanisms for

the disposal or development of acquired or existing assets of the key housing
 REPUBLIC ACT No. 11201
An Act Creating the Department of Human Settlements and Urban Development, Defining
its Mandate, Powers and Functions, and Appropriating Funds Therefor

Be it enacted by the Senate and House of Representatives of the Philippine Congress

Assembled:

CHAPTERI
TITLE AND DECLARATION OF POLICY

Section 1. Short Title. - This Act shall be Known as the "Department of Human Settlements and
Urban Development Act".

Section 2. Declaration of Policy. - The State shall, pursuant to Section 9, Article XIll of the
Constitution, ensure that underprivileged and homeless citizens have access to an adequate,
safe, secure, habitable, sustainable, resilient and affordable home. The State shall, by law and
for the common good, undertake, in cooperation with the private sector, a continuing program of
housing and urban development which shall make available at affordable cost, decent housing
and basic services to underprivileged and homeless citizens in urban centers and resettlement
areas. It shall also promote adequate employment opportunities to such citizens. In the
implementation of the program, the State shall respect the rights of small property owners.

The State shall pursue the realization of a modern, humane, economically-viable, and
environmentally-sustainable society where the urbanization process is manifest in towns and
cities being centers of productive economic activity and is led by market forces; where urban
areas have affordable housing, sustainable physical and social infrastructure and services
facilitated under a democratic and decentralized system of governance; and where urban areas
provide the opportunities for an improved quality of life and the eradication of poverty.

The State shall ensure that poor dwellers in urban and rural areas shall not be evicted nor their
dwelling demolished, except in accordance with law.

In addition, the State shall encourage on-site development in the implementation of housing
programs and shall promote the creation of new settlements and development of sustainable
urban renewal programs while guaranteeing the preservation of agricultural lands necessary for
food security.

CHAPTER Il
DEFINITION OF TERMS

Section 3. Definition of Terms. - As used in this Act, the following terms are defined as follows:

(a) Abandoned subdivision or condominium refers to a project whose development has

not been completed in accordance with the approved development plan despite the lapse
of at least ten (10) years from the target date of completion and it appears that said
project owner or developer has no intention to complete the project development or,
despite diligent effort for at least the last five (5) years, the project owner or developer
cannot be located;

(b) Comprehensive Land Use Plan (CLUP) refers to the document, formulated by the
local government in consultation with its stakeholders, that defines or provides guidelines
on the allocation, utilization, develooment and management of all lands within a given
territory or jurisdiction according to the inherent qualities of the land itself and supportive
economic, demographic, socio-cultural and environmental objectives;

(c) Housing refers to a multi-dimensional concept relating to the process of residing and
the objects of dwelling whose main attributes are location relative to access to livelihood,
tenure arrangements, cost and physical structure, as well as their environment. Housing
is likewise a physical structure as well as a social structure, functioning at different spatial
scales from homes, neighborhoods, communities, municipalities, cities, provinces, and
regions. It is also a sector of the economy, an important category of land use in both
urban and rural areas, especially in cities, and is an important factor in the overall
dynamics of the urban system;

(d) Human Settlements comprise of (a) physical components of shelter and

infrastructure; and (b) services to which the physical elements provide support, such as
community services which include education, health, culture, welfare, recreation and
nutrition;

(e) Informal Settler Families (ISFs) refer to households living in a lot, whether private or
public, without the consent of the property owner; or those without legal claim over the
property they are occupying; or those living in danger areas such as esteros, railroad
tracks, garbage dumps, riverbanks, shorelines, and waterways;

(f) People’s plan refers to the plan formulated by the beneficiary-association, which shall
contain a site development plan that conforms to the CLUP of the local government unit
under whose jurisdiction the project site is proposed to be located, including community
health, sanitation, and security plans, as well as non-physical development components
such as self-help housing cooperative, livelihood, self-help development, capability
building, and a system of allocation of socialized housing units that promote and protect
the welfare of the elderly, persons with disability, and children;

(g) Public housing is housing that is owned and/or managed by the government for the
purpose of providing housing to underserved families;

(h) Urban Development refers to the process of occupation and use of land or space for
activities such as residential, industrial, commercial and the like or their combinations,
necessary to carry out the functions of urban living. It entails the building or rebuilding of
more or less permanent structures over land that is often withdrawn or converted from its
original use, resulting in the creation of a built environment; and

(i) Urban Development Planning refers to the process that involves the planning of
diverse elements that comprise an urbanizing and urbanized area, including its physical
infrastructure, environment, housing, transportation and management of land use and
urban growth.