HUDCC (HOUSING AND URBAN DEVELOPMENT COORDINATING The HUDCC Council has the following powers and

COUNCIL) - created thru Executive Order No. 90, is the functions:

highest policy making and coordinating office on  To formulate national objectives for housing and
shelter. It is an umbrella organization which consists urban development and to design broad
of heads of four housing agencies. strategies for the accomplishment of these
objectives;
History  To determine the participation and coordinate
The Housing and Urban Development the activities of the key government housing
Coordinating Council (HUDCC) was created by then agencies in the national housing program;
President Corazon C. Aquino by virtue of Executive  To monitor, review and evaluate the effective
Order No. 90 dated 17 December 1986. The EO, exercise by these agencies of their assigned
which also abolished the Ministry of Human functions;
Settlements, placed HUDCC under the direct  To assist in the maximum participation of the
supervision of the Office of the President to serve as private sector in all aspects of housing and urban
the highest policy making body for housing and development;
coordinate the activities of the key housing agencies  To recommend new legislation and amendments
to ensure the accomplishment of the Government to existing laws as may be necessary for the
Shelter Program. attainment of government’s objectives in
On 25 May 1989 and May 28, 2001 , Executive housing;
Order No. 357 and Executive Order No. 20 were  To formulate the basic policies, guidelines and
issued respectively, to strengthen HUDCC into implementing mechanisms for the disposal or
department level organization by conferring it with development of acquired or existing assets of the
the power to exercise overall administrative key housing agencies which are not required for
supervision over the key housing agencies; set and the accomplishment of their basic mandates;
ensure the attainment of targets and objectives for and
the housing sector; review the organization,  To exercise or perform such other powers and
programs and projects of the key housing agencies; functions as may be deemed necessary, proper
decentralize its operations and enlist the assistance or incidental to the attainment of its purpose and
of the Department of Budget and Management in objectives.
securing continuing funding support to the National
Shelter program. Council Composition
In 1992, the Urban Development and Housing The Council is chaired by the HUDCC Chairman, with
Act (RA 7279) mandated the HUDCC to direct the the following as members:
formulation of a National Urban Development and  Key Housing Agencies: National Housing Authority
Housing Framework in coordination with the Local (NHA), National Home Mortgage Finance
Government Units and other public and private Corporation (NHMFC), Social Housing Finance
sector agencies; design of a system for the Corporation (SHFC), Home Guaranty Corporation
registration qualified socialized housing beneficiaries (HGC), and Housing and Land Use Regulatory
and inventory of land suitable for socialized housing; Board (HLURB);
and provide, through its attached housing agencies,  Key Finance Agencies: Home Development
the LGUs with support for the preparation of town Mutual Fund (HDMF or Pag-IBIG Fund), Social
and land use plans, data for forward planning and Security System (SSS), and Government Service
investment programming, and assistance in Insurance System (GSIS);
obtaining funds and other resources for housing and  Support Agencies: National Economic and
urban development. Development Authority (NEDA), Department of
From 1986 to present, there are several Finance (DOF), Department of Budget and
executive and legislative issuances including the Management (DBM), Department of Public Works
three laws mentioned above, that provide or and Highways (DPWH), Development Bank of the
authorize HUDCC with specific functions and/or Philippines (DBP), Metro Manila Development
require it to undertake certain tasks related to Authority (MMDA), and Presidential Management
housing and urban development. These legal and Staff (PMS); and
legislative fiats assigned duties and responsibilities to  Two representatives from the Private Sector
HUDCC that are related to its original mandate as representing any of the following
the lead agency in housing and urban groups: developers, bankers, contractors,
development. professionals, and low-income beneficiaries. At
present, the private sector is represented by the
Council Functions following real estate developers engaged in low-
 cost housing with extensive experience in real On 26 March 1986, Executive Order No. 10 was issued
estate development: placing the NHA as well as the other agencies
 MGen. Rufo De Veyra attached to the abolished MHS, under the
 Engr. Marcelino Mendoza administrative supervision of the office of the
The HUDC Council is supported by the President. Subsequently, Executive Order No. 90 was
Secretariat, which is headed by a Secretary– issued on 17 December 1986, rationalizing the
General. The Secretary-General is an ex-officio housing structure in the government along lines of
member of the Council and is responsible for the specialization and concentration.
execution and administration of its approved EO 90 identified the key housing agencies to
policies and measures. implement the National Shelter Program and
defined their respective mandates. The NHA was
NHA (NATIONAL HOUSING AUTHORITY) - is a government- mandated to be the sole government agency to
owned and controlled corporation operating under engage in housing production. Under the said
the policy and administrative supervision of the Executive Order, NHA was placed under the policy
HUDCC. The NHA is the sole government agency to and program supervision of the Housing and Urban
engage in shelter production, focusing its efforts to Development Coordinating Council (HUDCC), the
provide to homeless, low-income Filipino families. umbrella agency for shelter charged with the main
function of coordinating the activities of various
History government housing agencies engaged in
The National Housing Authority (NHA) is the production, finance and regulation.
sole national agency mandated to engage in Executive Order No. 20 on 28 May 2001
housing production for low income families. It traces reaffirmed mass housing as a centerpiece program
its roots to the People's Homesite Corporation (PHC), in the poverty alleviation efforts of government. Said
the first government housing agency established on EO likewise reaffirmed HUDCC's administrative
14 October 1938 and to the National Housing supervision over the housing agencies including the
Commission (NHC) which was created seven years NHA.
later, on 17 September 1945. These two agencies,
the PHC and the NHC, were eventually merged on 4 Mission
October 1947 into the People's Homesite and We provide decent, adequate, and
Housing Corporation (PHHC). affordable housing to low-income families, ensure
In the years that followed, six(6) more housing the provision of community facilities, utilities, and
agencies were created to respond to separate and access to social services and economic
distinct shelter requirements, namely: the Presidential opportunities.
Assistant on Housing and Resettlement Agency Vision
(PAHRA); the Tondo Foreshore Development By 2019, NHA would have provided 50% of
Authority (TFDA); the Central Institute for the Training the housing needs for homeless low-income families
and Relocation of Urban Squatters (CITRUS); the (based on the 2011 census) primarily those living in
Presidential Committee for Housing and Urban waterways, danger areas, and government
Resettlement (PRECHUR); the Sapang Palay infrastructure project sites in Metro Manila and all
Development Committee (SPDC); the Inter-Agency regions nationwide
task Force to Undertake the Relocation of Families in NHMFC (National Home Mortgage Finance
Barrio Nabacaan, Villanueva, Misamis Oriental. Corporation) - mandate of increasing the availability
Eventually, on 15 October 1975, the National Housing of affordable housing loans to finance the Filipino
Authority was organized as a government-owned homebuyer acquisition of housing units through the
and-controlled corporation, by virtue of Presidential development and operation of a secondary market
Decree No. 757 dated 31 July 1975. All other housing for home mortgages.
agencies were abolished by the said decree. The
NHA took over and integrated the functions of the NHMFC (NATIONAL HOME MORTGAGE FINANCE
abolished agencies - the PHHC and the six (6) other CORPORATION)
housing agencies. The creation of the NHA is the History
second attempt of the government to integrate all The National Home Mortgage Finance
housing efforts under a single agency, twenty-eight Corporation was created in 1977 by virtue of
years after the merger under the PHHC. Presidential Decree 1267, with the mandate of
Three years later, the Ministry of Human increasing the availability of affordable housing
Settlements (MHS) was created in 1978. The Ministry loans to finance the Filipino homebuyer's on their
adopted the wholistic approach to housing. The acquisition of housing units through the
NHA was placed as an attached agency to the development and operation of a secondary market
MHS. for home mortgages. Consistent with this mandate
NHMFC bought mortgages originated by private further amended R.A. 6846 that provided for the
financial institutions and eventually sold them back continuing funding support for the CMP and the
to the public through the issuance of mortgage Abot-Kaya Pabahay Fund Program. The economic
backed financial instruments. slowdown of 1998 took its toll in the asset recovery
However, the financial crisis which hit the program of NHMFC. The Corporation continuously
country in 1984 up to the early part of 1986 caused failed to register positive financial marks. Early on the
the collapse of a relatively successful home- Estrada Administration, a memorandum dated May
financing program of the government. Since a 20, 1999 from the President addressed to HUDCC,
sizeable portion of NHMFC funds came from the DOF, DBM and SEC was issued, constituting them into
financial market, with addition to funds coming from a Task Force to prepare the appropriate disposition
contributions of PAG-IBIG members, the 30% to 40% plan for NHMFC.
interest rates of the financial market made it Then President Estrada issued Executive
impossible for NHMFC (whose lending rate was Order 195 dated December 31, 1999 directing all
pegged at 9%) to operate viably. government-owned and controlled corporations
With the assumption into office of the Aquino under the HUDCC and the Presidential Commission
Administration in 1986, there was already a felt need on Mass Housing (PCHM) to prepare their respective
to reorganize the government housing agencies and Rationalizing and Streamlining Plans. The E.O also
define their new mandates. Executive Order No. 90 mandated to re-direct NHMFC operations to the
on December 17, 1986, gave fresh mandates to the development and provision of a secondary
five housing agencies, NHMFC included. As the mortgage market to finance mortgage take-out
major government home mortgage institution, and fast track the disposition of existing mortgages.
NHMFC was tasked to operate a viable home The E. O. provided the President policy direction with
mortgage market, utilizing long-term funds respect to NHMFC.
principally provided by the Social Security System In the 1st quarter of 2002, as part of an overall
(SSS), the Government Services Insurance System rehab program, NHMFC hired Punongbayan &
(GSIS), and the Home Development Mutual Fund Araullo/Ernst & Young (P&A/E&Y) as its Financial
(HDMF), to purchase mortgages originated by both Advisor. In the last quarter of the same year, the
private and public institutions that are within Corporation undertook a Restructuring Agreement
government-approved guidelines. It was also with the Funders (SSS & HDMF) and started the
charged with the development of a system that will processing for the Sale of the Non Performing Loans
attract private institutional funds into long-term (NPLs) of the UHLP portfolio.
housing mortgages. After pre-qualifying potential bidders in 2003,
In view of the above, NHMFC clientele was NHMFC announced the competitive auction sale of
expanded to include among others, the NPLs after pre-qualifying potential bidders. This
borrower/members of SSS and GSIS (in addition to sale is part of a strategy that will reposition the
PAG-IBIG members), and even non-members of Corporation to meet the future affordable housing
these institutions, as well as developers of low-cost needs of the Filipino people. This realignment process
housing projects. Other qualified originators were actually started during the second quarter of 2002
added: private developers, government agencies, with the direct involvement of Management of
community associations, local government units and NHMFC, SSS, HDMF, HUDCC & the DOF.
non-government organizations, together with NHMFC realignment included the formal
private financial institutions. restructuring of its P46 B outstanding debt balance
Until 1995, NHMFC was operating under the that includes SSS and HDMF and obtaining approval
Executive Order No.90 mandate, but ceased to do from all the required government bodies to
so with the signing of a Memorandum of Agreement implement its plan to dispose of the portfolio of
on Housing Finance with the Department of Finance, delinquent loans. This complex approval process
Department of Budget and Management, and the required a consensus among all the parties and took
Funders (SSS, GSIS & HDMF) which transferred the more than one year to achieve.
processing and payment of mortgages to HDMF in In June 20, 2004, Executive Order 272
1996. authorized the creation of the Social Housing
Despite the suspension of the UHLP, the Finance Corporation, a subsidiary of NHMFC. In June
Corporation continuously administered the 21, 2005, SHFC was entrusted with the Community
Community Mortgage Program (CMP) that was Mortgage Program (CMP) and its amortization, as
amended under R.A. 7279 - UDHA of 1992. Further, well as the developmental component of the Abot-
the Abot-Kaya Pabahay Fund Program, which was Kaya Pabahay Fund (AKPF) Program of NHMFC. They
created under R.A. 6486 in 1990 remained under have also assumed the implementation of the AKPF
administration of NHFMC. In December 1994, R.A and CMP upon the mandate to be leading
7835 (or the CISFA 1995) was enacted into law and government agency to undertake social housing
programs for the low-income earners. For more than to operate a viable housing finance system thru the
17 years, AKPF and CMP has become the most securitization of the residential home mortgages.
affordable-long term micro finance facility that In August 2012, NHMFC issued the second of
meets land tenure and housing security its Bahay Bonds series (BB2). It is the first ever retail
requirements of the "poorest of the poor". It is mortgage-backed securities (RMBS) issued in the
recognized as the most successful housing program country and was given a conditional rating of PRS Aa
for the homeless and the underprivileged sector of by the PhilRatings. The following year, NHMFC was
our society. awarded by the Philippine Dealing System Holdings
In September 2006, the outcome of the CMP Corporation & Subsidiaries (PDS Group) with the
and AKPF programs of SHFC and the sale of its Non- Innovative Listed Corporate Bond Issue of the Year
performing Loans (NPLs) to Balikatan Housing for the pioneer issuance of BB2 Special Purpose Trust.
Finance encouraged the corporation the process of In March 2013, the NHMFC was awarded ISO
rationalization of its manpower structure. The Plan for 9001:2008 for the Rizal Division after audit stages
Reorganization was approved by DBM and CSC in conducted by Tüv Süd PSB Philippines. In 2014,
November of 2006 and was implemented and NHMFC has expanded ISO certification for the
completed in June of 2007. The new structure helped Borrower Counseling System of the Rizal, NCR and
downsized its functions to collection and CMP Luzon Division, Extra-judicial foreclosure process
programs instead of focusing on the establishment of (Buyer-Initiated) of the Litigation Division and Release
a Secondary Mortgage Institution. of Title process of the Securities and Mortgage
In August 2007, Ernst & Young Transaction Custodianship Division. In 2016, the NHMFC was
Advisory Services Inc. was became the Financial awarded ISO 9001:2008 Certification for its
Advisor that assisted in the maiden securitization of Securitization of Housing Loan Portfolios and
the corporation and lay the building blocks for the Borrower’s Services for all its offices nationwide.
transformation of NHMFC into an SMI. EY TASI NHMFC is continuously seeking ways to
conducted due diligence on the low delinquent continue to cater to the housing needs of the low-
accounts of NHMFC and assisted the corporation in income and underserved sectors of the society. In
matters of finance, accounting, regulatory and legal 2016, two new sub-programs were launched with the
implications of the securitization transaction. aim of expanding the target market of HLRPP. The
In August 2008, NHMFC brought on board the Socialized Housing Loan Takeout of Receivables
securitization expertise of Standard Chartered bank (SHeLTeR) program, rolled out in the second quarter
as underwriter and Lead arranger for the maiden of 2016, aims to purchase socialized housing loan
securitization issue, along with the Trustee and receivables from socialized housing developers as
Special Purpose Trust, namely, DBP and PNB well as microfinance institutions, cooperatives, LGUs,
respectively. national government agencies and civic
In March 23, 2009, the NHMFC launched the organizations. The SHeLTeR Program offers more
maiden securitization issue of the 2.06 Billion Bahay affordable terms as it targets the socialized housing
Bonds. This is the first residential mortgage backed market. During the last quarter of 2016, the first ever
securities (RBMS) issued in the Philippines by a reverse mortgage program in the Philippines was
government agency. The Bahay Bonds Maiden Issue launched through NHMFC’s MAginhawang BUhay
took place at the height of the global economic dahil sa baHAY (MABUHAY). The program is part of
crisis that was brought about by sub-primed NHMFC’s effort to address the needs of the senior
mortgages. This was rated AA by the Philippine members of our community. MaBuHay allows Senior
Rating Services Corporation (PhilRatings). Bahay Citizens to convert a portion of their home equity into
Bonds become oversubscribed twice because of cash in order to address their various needs.
this the corporation was recognized by Asset Asian
Awards 2009 and was awarded the Triple A Award Corporate Goals & Objective
category 2009 Securitization of the Year.  Provide liquidity to the housing sector through
In November 19, 2009, the Board approved securitization of mortgages/assets.
the proposed Guidelines on the Housing Loan  Promote stability to the housing finance system
Receivable Purchase Program (HLRPP) that granted through participation in the capital market.
authority for the NHMFC President to approve all  Establish an efficient and effective organization
purchases under the HLRPP. The new guideline with a professional workforce utilizing best
allowed the purchase of housing loan receivables practices.
from the originating institutions and will be turned into  Maintain efficiency in operation and efficacy in
an asset pool for eventual issuance of securities or financial management to ensure sustainability of
bonds for sale in the capital market. With this its programs.
program, the NHMFC will continue to perform its  Manage its subsidiaries efficiently and
mandate as a Secondary Mortgage Institution (SMI) effectively.
Core Values Setting and implementing performance
NHMFC shall at all times be accountable to standards that are clear and understandable to
the people and shall discharge its mandate with the public
utmost responsibility, integrity and competence.  Integrity
Keeping high ethical standards at the corporate
SHFC (SOCIAL HOUSING FINANCE CORPORATION) - and individual level
mandated: (a) to undertake social housing  Stewardship
programs that will cater to the formal and informal Putting premium to sustainability and the
sectors in the low-income bracket; and (b) to take judicious and proper use of internal resources
charge of developing and administering social  Excellence
housing programs, particularly the Community
Mortgage Program (CMP) and the Abot-Kaya
Pabahay Fund(AKPF) Program. HGC (HOME GUARANTEE CORPORATION) - is the
government-owned-and-controlled-corporation
The SHFC (GOCC)mandated by law (Republic Act 8763) to
The Social Housing Finance Corporation promote sustainable home ownership by providing
(SHFC) was created through Executive Order No. 272 risk coverage or Guarantees and tax/fiscal
(E.O.272), which directs the transfer of the incentives to banks and financial
Community Mortgage Program (CMP), Abot Kaya institutions/investors granting housing development
Pabahay Fund (AKPF) Program, and other social loans / credits, and home financing. As HGC focuses
housing powers and functions of the National Home on promoting home ownership to middle and low-
Mortgage Finance Corporation to the SHFC. income families.
The Home Guaranty Corporation (HGC) is a
Mandate government-owned and controlled corporation
Under E.O. 272, the SHFC shall be the lead (GOCC) under the administrative supervision of the
government agency to undertake social housing Housing and Urban Development Coordinating
programs that will cater to the formal and informal Council (HUDCC).
sectors in the low- income bracket and shall take Since its creation in 1950 as the Home
charge of developing and administering social Financing Commission, HGC has institutionalized a
housing program schemes, particularly the CMP and viable system of credit guaranties that has become
the AKPF Program (amortization support program an integral component of the government’s shelter
and development financing program). program.
HGC takes the risk out of private investment
Our Vision in housing by providing risk covers and fiscal
By 2022, SHFC shall have provided 530,000 incentives to housing credits extended by
organized homeless and low-income families with developers, banks and other financing institutions.
Flexible, Affordable, Innovative, and Responsive The more HGC guarantees—the more private funds
(FAIR) shelter solutions to their housing needs. flow for housing and urban development.
Our Mission With the enactment of Republic Act No.
We empower and uplift the living conditions 8763, or the Home Guaranty Corporation Act of
of underprivileged communities by Building 2000, the authorized capital of HGC was increased
Adequate Livable Affordable and Inclusive (BALAI) from P2.5 billion to P50 billion and its corporate life
Filipino Communities through provision of FAIR shelter extended to another 50 years.
solutions in strong partnerships with the national and
local government, as well as the civil society Vision
organizations and the private sector to support the Improved private sector participation in
underprivileged communities. addressing the Nation's housing needs through a
Our Core Values viable system of credit guarantees
 Servant Leadership
Institutionalizing a culture of leadership that Mission
recognizes the role of government employees as To mobilize resources for housing through a
public servants system of credit guarantees and incentive
 Professionalism
Promoting the highest standards for individual HLURB (HOUSING AND LAND USE REGULATORY BOARD) - is a
and corporate performance national government agency tasked as the
 Accountability 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 strategies namely, policy development, planning
and regulation. and regulation.

Mandates Vision
1. PLANNING : (EO 648; EO 72; RA 7279) An institution of professionals exemplifying
 Formulate guidelines for Comprehensive public service with responsibility, integrity,
Land Use Plans (CLUPs) competence and justice geared towards the
 Render technical assistance to LGU’s in CLUP attainment of well-planned and sustainable
preparation and to members of Provincial communities through the regulation of land use,
Land Use Committee (PLUC) and Regional housing development and homeowners
Land Use Committee (RLUC) in CLUP Review. associations, and the just resolution of disputes.
 Review and ratify CLUPs of highly urbanized
cities (HUCs) and independent component Mission
cities (ICCs) and review CLUPs of Metro To promulgate and enforce policies on land
Manila use, housing and homeowners associations which
 Update and revise the National Urban promote inclusive growth and economic
Development and Housing Framework under advancement, social justice and environmental
the direction of HUDCC protection for the equitable distribution and
 Train LGUs in subdivision plan approval and enjoyment of development benefits.
zoning enforcement
2. REGULATION: (EO 648; EO 90; EO 71; EO 72; PD 957, Quality Policy
1216, 1344; BP 220; RA 7899; RA 9904; RA8763 The HLURB, as the lead agency in the
(Sec.26)); provision of technical assistance to local
 Register and license subdivision and government units in the preparation of
condominium projects, farm lots, memorial comprehensive land use plans; regulation of
parks and columbaria. housing, land development and homeowners
 Monitor development and construction of association; and adjudications of disputes related
registered/licensed projects. thereto, is committed to deliver its services with
 Update and revise rules, guidelines and competence and integrity in order to satisfy its
standards on housing and real estate. stakeholder.
 Approve Master Deed and Declaration of
Restrictions of condominium project, and PAG-IBIG FUND (PAGTUTULUNGAN SA KINABUKASAN:IKAW,
any amendment or revocation thereof BANGKO, INDUSTRIYA AT GOBYERNO) - To provide its
decided upon by a simple majority of all members with adequate housing through an
registered owners (concurrently with City or effective savings scheme, Pag-IBIG Fund harnesses
Municipal Engineer). these four sectors of Philippine society: financial
 Issue Locational Clearances for projects institutions, the industrial sector, the government,
considered to be of vital and National or and the Filipino people. The Fund was created to
Regional Economic or Environmental address two of the nations basic concerns: (a) the
significance. generation of savings and (b) providing shelter for
Register and supervise HOAs. Filipino workers.
Register real estate brokers, dealers and salesmen
engaged in selling projects under HLURB jurisdiction. Vision
3. ADJUDICATION: (EO 648; RA 9904, 8763 (Sec. 26)) For every Filipino worker to save with Pag-IBIG
 Disputes between subdivision lot or Fund and to have decent shelter.
condominium unit buyer and developer. Mission
 Intra- and Inter-Homeowners associations To generate more savings from more Filipino
disputes. workers, to administer a sustainable fund with
 Appeals from decisions of local zoning integrity, sound financial principles, and with social
bodies. responsibility, and to provide accessible funds for
housing of every member.
HLURB in Retrospect Corporate Values
The Housing and Land Use Regulatory Board The governing values that will steer the Pag-
(HLURB) is a national government agency tasked as IBIG Fund in pursuit of its Vision include
the planning, regulatory and quasi-judicial body for Professionalism, Integrity, Excellence, and Service.
land use development and real estate and housing
regulation. These roles are done via a triad of
HDMF (HOME DEVELOPMENT MUTUAL FUND), popularly Presidential Decree No. 957 (Subdivision and
known as Pag-IBIG Fund (Pagtutulungan sa Condominium Buyer’s Protective Decree)
Kinabukasan: Ikaw, Bangko, Industriya at As Amended by PD 1216 - Regulating the sale of
Gobyerno), was created by virtue of Presidential subdivision lots and condominiums, providing
Decree No. 1530 on June 11, 1978. penalties for violations thereof.

The Birth of Home Development Mutual Fund Republic Act No. 4726 (The Condominium Act)
The birth of the Home Development Mutual ”An act to define condominium, establish
Fund (HDMF), more popularly known as the Pag-IBIG requirements for its creation, and govern its
Fund, was an answer to the need for a national incidents.
savings program and an affordable shelter financing
for the Filipino worker. The Fund was established on Republic Act No. 6552 (Realty Installment
11 June 1978 by virtue of Presidential Decree No. Buyer Protection Act)
1530 primarily to address these two basic yet equally “An act to provide protection to buyer of real estate
important needs. Under the said law, there were two of installment payments”
agencies that administered the Fund. The Social
Security System handled the funds of private Republic Act No. 9653 (Rent Control Act of 2009)
employees, while the Government Service Insurance “An act establishing reforms in the regulation of rent
System handled the savings of government workers. of certain residential units, providing the mechanisms
Less than a year after on 1 March 1979, therefore and for other purposes.”
Executive Order No. 527 was signed. The order
directed transferring the administration of the Fund Presidential Decree No. 1517 (Urban Land Reform
to the National Home Mortgage Finance Act)
Corporation, which was one of the operating “Proclaiming urban land reform in the Philippines
agencies of the then Ministry of Human Settlements. and providing for the implementing machinery
Seeing the need to further strengthen the stability thereof
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 R.A. 10884 - Balanced Housing Program
known as the Pag-IBIG Fund. However, It was only on An act strengthening the Balanced Housing
14 December 1980 when Pag-IBIG was made Development Program, amending for the Purpose
independent from the NHMFC with the signing of PD Republic Act No. 7279, entitled “An Act to Provide
1752, which amended PD 1530. With the improved for a Comprehensive and Continuing Urban
law in effect, the Fund's rule-making power was Development and Housing Program, establish the
vested in its own Board of Trustees. Likewise, PD 1752 mechanism for its implementation, and for other
made Pag-IBIG membership mandatory for all SSS purposes”
and GSIS member-employee. Objectives:
 To maximize the implementation of socialized
Laws and Regulations Pertaining to Housing housing projects by making the purpose and
parameters of the balanced housing requirement
Republic Act No. 7279 (Urban Development and provided by RA 7279.
Housing Act of 1992)  Enactment of the law would help accelerate the
“An act to provide for a comprehensive and provision of affordable decent housing for the ISFs,
continuing urban development and housing the underprivileged and the homeless Filipinos
program, establish the mechanism for its Amendments of R.A.10884 to Sec.18 of P.D. 7279
implementation, and for other purposes.”  Requiring owners and/or developers of proposed
subdivision and condominium projects to develop
Batas Pambansa Blg. 220 an area for socialized housing.
“An Act authorizing the ministry of human  Requiring that the area for socialized housing
settlements to establish and promulgate different should be equivalent to:
levels of standards and technical requirements for a. At least fifteen percent (15%) of the total
economic and socialized housing projects in urban subdivision area or subdivision project cost
and rural areas from those provided under b. At least five percent (5%) of condominium area
presidential decrees numbered nine hundred fifty- or project cost
seven, twelve hundred sixteen, ten hundred ninety-  Exempting owners and/or developers of proposed
six and eleven hundred eighty-five” socialized subdivision and condominium projects
from the said requirement.
 Complying with the balanced housing In the execution of eviction or demolition orders
requirement in the following manner: involving underprivileged and homeless citizens, the
a. Development of socialized housing in a new following shall be mandatory:
settlement (1) Notice upon the effected persons or entities at
b. Joint-venture projects for socialized housing least thirty (30) days prior to the date of eviction or
with the government, housing agencies, or demolition;
another private developer or accredited NGO (2) Adequate consultations on the matter of
by the HLURB settlement with the duly designated representatives
c. Participation in a new project under the of the families to be resettled and the affected
community mortgage program. communities in the areas where they are to be
d. Indicating that no other form of compliance relocated;
other than those listed may be prescribed (3) Presence of local government officials or their
except through the enactment of a representatives during eviction or demolition;
subsequent law (4) Proper identification of all persons taking part in
 Mandating the HLURB to submit to Congress an the demolition;
Annual Compliance Report by the Owners and/or (5) Execution of eviction or demolition only during
Developer regular office hours from Mondays to Fridays and
Penalties during good weather, unless the affected families
 FIRST OFFENSE: Imposed a fine of not less than five consent otherwise;
hundred thousand pesos (P500,000.00) (6) No use of heavy equipment for demolition
 SECOND OFFENSE: Suspension of license to do except for structures that are permanent and of
business for a period of three (3) to six (6) months concrete materials;
and a fine of not less than five hundred thousand (7) Proper uniforms for members of the Philippine
pesos (P500,000.00) National Police who shall occupy the first line of law
 THIRD OFFENSE: Cancellation of license to do enforcement and observe proper disturbance
business for the third offense. control procedures; and
(8) Adequate relocation, whether temporary or
Moratorium on Eviction and Demolition permanent: Provided, however, That in cases of
R.A. 7279 “Urban Development Housing Act of 1992” eviction and demolition pursuant to a court order
Demolition: Refers to the dismantling by the LGU, or involving underprivileged and homeless citizens,
any legally authorized agency of government of all relocation shall be undertaken by the local
structures within the premises subject for clearing. government unit concerned and the National
Eviction: Refers to the removal of persons and their Housing Authority with the assistance of other
belongings from a subject building/structure or area, government agencies within forty-five (45) days from
or both. in accordance with law. service of notice of final judgment by the court, after
Sec. 44. Moratorium on Eviction and Demolition. which period the said order shall be executed:
There shall be a moratorium on the eviction Provided, further, That should relocation not be
of all program beneficiaries and on the demolition of possible within the said period, financial assistance in
their houses or dwelling units for a period of three (3) the amount equivalent to the prevailing minimum
years from the effectivity of this Act: Provided, That daily wage multiplied by sixty (60) days shall be
the moratorium shall not apply to those persons who extended to the affected families by the local
have constructed their structures after the effectivity government unit concerned.
of this Act and for cases enumerated in Section 28 This Department of the Interior and Local
hereof Government and the Housing and Urban
Sec. 28. Eviction and Demolition. - Eviction or Development Coordinating Council shall jointly
demolition as a practice shall be discouraged. promulgate the necessary rules and regulations to
Eviction or demolition, however, may be allowed carry out the above provision
under the following situations:
(a) When persons or entities occupy danger P.D. 772 – Anti - Squatting Law
areas such as esteros, railroad tracks, garbage The P.D. No. 772 is ordered by President
dumps, riverbanks, shorelines, waterways, and other Ferdinand E. Marcos on August 20, 1975, In order to
public places such as sidewalks, roads, parks, and eradicate all illegal constructions including buildings
playgrounds; on and along esteros and river banks in urban
(b) When government infrastructure projects communities in the country.
with available funding are about to be Section 1. Any person who, with the use of force,
implemented; or intimidation or threat, or taking advantage of the
(c) When there is a court order for eviction absence or tolerance of the landowner, succeeds in
and demolition. 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.