MIGUEL FERNANDO DG.

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

BS. ARCHITECTURE V AR. NESTOR J. LAZAGA

Research the following, their functions, guidelines, and their relationship to housing.
1. DHSUD (Department of Human Settlements and Urban Development):

The Department of Human Settlements and Urban Development (DHSUD) is the central housing authority in the Philippines. It
consolidated the duties and functions of the Housing and Urban Development Coordinating Council (HUDCC) and the Housing
and Land Use Regulatory Board (HLURB), except for adjudication. Act as the primary national government entity responsible for
the management of housing, human settlement and urban development; Be the sole and main planning and policy-making,
regulatory, program coordination, and performance monitoring entity for all housing, human settlement and urban
development concerns, primarily focusing on the access to and the affordability of basic human needs.

For this purpose, in accordance with Section 25 of the Act, the following functions of HLURB are hereby transferred to the
Department: The land use planning and monitoring function, including the imposition of penalties for noncompliance to ensure
that LGUs will follow the planning guidelines and implement their CLUPs and ZOs;

The regulatory function, including the formulation, promulgation, and enforcement of rules, standards and guidelines over
subdivisions, condominiums and similar real estate developments, and imposition of fines and other administrative sanctions f or
violations, pursuant to PD 957, as amended, BP 220 and other related laws;

and The registration, regulation and supervision of HOAs, including the imposition of fines for violations, pursuant to RA 99 04,
Section 26 of RA 8763 in relation to Executive Order No. (EO) 535, series of 1979, and other related laws; and Develop and adopt
a national strategy to immediately address the provision of adequate and affordable housing to all Filipinos, and ensure the
alignment of the policies, programs, and projects of all its attached agencies to facilitate the achievement of this objective.

2. 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
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 (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.

3. NEDA (The National Economic and Development Authority):

The National Economic and Development Authority (Pambansang Pangasiwaan sa Kabuhayan at Pagpapaunlad),
abbreviated as NEDA, is an independent cabinet-level agency of the Philippine government responsible for economic
development and planning.

On September 26, 2018, the National Economic and Development Authority emphasized to the business sector the importance
of housing and urban development in reducing poverty in the country. “Besides rapid population growth, urbanization, and
rural-urban migration, the housing needs of our country remain a challenge. We have to harness housing as a platform to
reduce poverty and improve social outcomes,” Socioeconomic Planning Secretary Ernesto M. Pernia said during a Century
Properties – Mitsubishi partnership event last week. He said that the housing needs of the country is at around 6.8 million units for
2017 to 2022, with a housing backlog of more than 2 million as of December 2016.

The Philippine Development Plan (PDP) 2017-2022 elaborates on strategies towards expanding people’s access to affordable,
adequate, safe, and secure shelter in well-planned communities. Pernia highlighted the BALAI Filipino Housing Program
(Building Adequate Livable Affordable and Inclusive Filipino Communities), which is th e Duterte administration’s ten-year
national housing program strategy to close the country’s housing gap. The program aims to improve government efforts in
addressing Filipinos’ housing needs, with the private sector playing a significant and pivotal role.

According to AmBisyon Natin 2040, most Filipinos dream of owning a home—even just a simple one. “To help the Filipino
achieve this dream, NEDA will carry on supporting communities, marginalized sectors, local government units, and the private
sector in promoting safe, secure, and well-planned communities so Filipino families can enjoy a life that is strongly-rooted,
comfortable and secure,” said Pernia.
4. 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 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 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 the first four months of
2022, its top executives said today. Socialized home loans make up 18% of the 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.

“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 housing sector towards providing decent shelter for every Filipino family,” said Secretary Eduardo D. del
Rosario, Chairperson of the 11-member Pag-IBIG Fund Board of Trustees and Secretary of the Department of Human
Settlements and Urban Development (DHSUD).

5. SSS (Social Security System) / GSIS (Government Service Insurance System)

The Social Security System (SSS) administers social security protection to workers in the private sector. Social security pro vides
replacement income for workers in times of death, disability, sickness, maternity and old age. On September 1, 1957, the Social
Security Act of 1954 was implemented. Thereafter, the coverage and benefits given by SSS have been expanded and
enhanced through the enactment of various laws. Republic Act (RA) No. 11199, otherwise known as the “Social Security Act of
2018” or the SSS Law, became effective on 05 March 2019.
Since 1958, Social Security System has been providing financial support to its members in acquiring their dream houses through
the SSS Housing Loan Program.

SSS has launched the Housing Loan Restructuring and Penalty Condonation Program (HLRPCP) last year, on November 22, 2021
under its Pandemic Relief and Restructuring Program or PRRP 4 to help delinquent housing loan borrowers, their legal heirs, or
designated successor/s-in-interest by waiving the penalties on their past due housing loans. Past due means that the housing
loan is delinquent for a period of at least six months as of the filing date of application within the condonation period.

On the other hand, the Government Service Insurance System (Filipino: Paseguruhan ng mga Naglilingkod sa Pamahalaan,
abbreviated as GSIS) is a government-owned and controlled corporation (GOCC) of the Philippines. Created by
Commonwealth Act No. 186 and Republic Act No. 8291 (GSIS Act of 1997), GSIS is a social insurance institution that provides a
defined benefit scheme under the law. It insures its members against the occurrence of certain contingencies in exchange for
their monthly premium contributions. GSIS members are entitled to an array of social security benefits, such as life insuranc e
benefits, separation or retirement benefits, and disability benefits. GSIS is also the administrator of the General Insurance Fund
by virtue of RA 656 (Property Insurance Law). It provides insurance coverage to government assets and properties that have
government insurable interests.

As it was of July 22, 2021, the Government Service Insurance System (GSIS) offered its housing units for lease. Under the scheme,
GSIS will rent out its housing units to interested parties who will be given the priority to purchase it any time during the lease
agreement.

6. 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.
 References:

1. https://dhsud.gov.ph/about-us/mandate/
2. https://nha.gov.ph/about/history/#:~:text=The%20National%20Housing%20Authority%20(NHA,production%20for%2 0low%
20income%20families.
3. https://neda.gov.ph/sufficient-housing-needed-to-address-poverty-neda/
4. https://www.bworldonline.com/spotlight/2022/05/18/449364/pag-ibig-fund-finances-5411-homes-for-low-wage-
earners-in-january-april-2022/
5. https://icrs.gcg.gov.ph/profiles/sss/?sector=Government%20Financial%20Institutions%20Sector&keyword=#:~:text=Histor
y,Act%20of%201954%20was%20implemented.
6. https://businessmirror.com.ph/2022/02/21/the-sss-housing-loan-restructuringand-penalty-condonation-program/
7. https://en.wikipedia.org/wiki/Government_Service_Insurance_System
8. https://www.gsis.gov.ph/tag/housing/#:~:text=Date%20Posted%3A%2022%20July%202021,time%20during%20the%20leas
e%20agreement.
9. https://designingresilience.ph/housing-and-land-use-regulatory-board/
10. https://www.lamudi.com.ph/hlurb-comprehensive-
guide/#:~:text=The%20Housing%20and%20Land%20Use%20Regulatory%20Board%20(HLURB)%20is%20the,and%20se ttlem
ent%20of%20land%20disputes.