Housing Agencies & Delivery Systems in the Philippines

Department of Human Settlements and Urban Development

DHSUD: Primary national government entity responsible for the management of housing, human settlement, and urban development. The sole and main planning and policy-making, regulatory, program coordination, and performance monitoring entity.

RA 11201

RA: Signed by PRRD, merger of the HUDCC & HLURB with the latter turned into the HSAC under the DHSUD

Human Settlements Adjudication Commission

HSAC: A quasi-judicial body that adjudicate disputes related to real estate developments, homeowners associations, and local and regional planning and zoning.

National Housing Authority

NHA (PD 757): Organized as a government-owned and controlled corporation on October 15, 1975

RA 11201

RA: Mandated the NHA as the sole government agency engaged in direct shelter production. Housing assistance for the lowest 30% or urban income earners through slum-upgrading, squatter relocation, development of sites and services and construction of core-housing units.

Home Guarantee Corporation

HGC (RA 8763): Organized as a government-owned and controlled corporation to (1) guarantee the payment of any all forms of mortgages, loans and other forms of credit facilities and receivables, (2) assist private developers, and (3) encourage aided self-help method.

National Home Mortgage Finance Corporation

NHMFC (1977): Increase the availability of affordable housing loans

Social Housing Finance Corporation

SHFC (EO. 272, 1987): Mandated to be the lead government agency to undertake social housing programs and take charge of developing and administering social housing program schemes such as CMP and AKPF.

Home Development Mutual Fund

HDMF (RA 9679, 2009): Mandate is to generate savings into an “integrated nationwide saving-system,” and mobilize funds for housing purposes

Pagtutulungan sa kinabukasan: Bangko, Industriya, at Gobyerno Fund

HDMF is also known as PAG-IBIG, meaning?

Gabay Pabahay Program

PAG-IBIG: Housing loan restructuring program that seeks to assist PAG-IBIG borrowers to preserve their properties from foreclosure

Socialized and Low-Cost Housing Loan Restructuring and Penalty Condonation Program

PAG-IBIG: To provide affordable terms for condonation of accumulated penalties and a portion of accumulated interest

Maagang Pabahay, Disenteng Buhay Program

PAG-IBIG: The fund’s acquired assets are put up for sale (15-20% disc.), initially to government employees at reduced rates.

Social Security System

SSS (RA8282, 1997): The primary provider of funds for long-term housing mortgages for low and middle-income private sector employees

Government Services Insurance System

GSIS (RA8291, 1997): The primary provider of funds for long-term housing mortgages for low and middle-income government employees

General Insurance Fund

GIF (RA 656): Administrated by the GSIS by virtue of the Property Insurance Law

Direct Provision

Mechanism: The government hires contractors and builds the units directly

Market-Led

Mechanism: Demand and supply dictate what gets built and where

Public-Private Partnerships

Mechanism: The government provides the land or incentives, and the private sector provides the expertise and capital

Open Market System

Philippine Housing Delivery System: Defined by private developers catering to middle to high-income markets using private capital with the government primary acts as a regulatory body

Government-Subsidized System

Philippine Housing Delivery System: Defined by government agencies targeting low-income families through direct construction or subsidized loans.

Joint Venture Agreements

Philippine Housing Delivery System: Defined by partnership between public and private sectors, that speeds up project delivery and shares risk

Cooperative Housing

Philippine Housing Delivery System: Defined by a user-drive approach through pooled resources and mutual aid that promotes a high sense of ownership

Sites-and-Services

Government Employed Housing Strategies: The government provides a serviced plot of land with water, electricity, roads, and tenure

Slum Upgrading

Government Employed Housing Strategies: The government improves the settlement where it is, without relocation

Relocation

Government Employed Housing Strategies: Transfer ISFs to a new, fully developed community outside the original site

Medium Rise Buildings

Government Employed Housing Strategies: Vertical housing (4-12 stories) used in land-scarce urban centers