ARC 150: HOUSING

PHINMA – University of Pangasinan

College of Engineering and Architecture
Department of Architecture
TH/S 3:00PM-4:30PM/9:30AM-10:30AM
UP-FB1-BSAR5-03

RESEARCH WORK NO. 1

EDITHA O. BANIQUED
Student

AR. ALEXANDER T. DORIA, UAP

Instructor
 A. REAL ESTATE DEVELOPERS IN THE PHILIPPINES

➢ AYALA LAND, INC.

Ayala Land, Inc. is one of the biggest real estate developers in the Philippines, with its
headquarter located in the famous business district, Makati.

It’s a real estate division of Ayala Corporation, which is a century-old company but has operated
independently since 1988. So, they have a long history and experience under their belt.

Office address

Tower One & Exchange Plaza, Ayala Triangle, Ayala Avenue, Makati City, Metro Manila.

Accomplishments

In 2016, it was the second-largest developer in terms of yearly revenue, and its net income
reached around PHP 21 billion (USD 400 million). That’s a 15% increase compared to 2015.

Property types

Ayala Land is involved in landbank management, build and manage shopping centers, hotels,
and resorts. Maybe most importantly, they also build plenty of residential buildings, focusing on
condominiums and housing projects.

Current projects

• 1016 Residences in Cebu City

• Abrio in Calamba
• Alegria Hills in Cagayan De Oro
• mara in Cebu City
• Ayala Greenfield Estates in Calamba
Future projects

Around 23 residential projects are under construction at the moment. Some of these are:

• Azuela Cove in Davao City

• Evo City in Kawit Cavite
• 35-hectare property project in Quezon City and Pasig City

Ayala Land Inc. will try to expand its footprint more in the coming years. In addition to their off-
plan residential projects, they plan to open 11 new shopping malls in the coming years.

Prices & areas

• A house in Anvaya Cove (Morong) is available for PHP 6 million (around USD 120,000)
and more
• A condo in Arbor Lanes in Taguig is available for PHP 13 million (around USD 250,000)
and more
• A lot in Elaro in Calamba is available for PHP 15 million (around USD 300,000) and
more
• A house with lot in The Courtyards is available for PHP 20 million (USD 400,000) and
more

Interestingly, it’s the only company that has issued a REIT in the Philippines so far.

➢ MEGAWORLD CORPORATION

With its headquarter located in Taguig City, Megaworld Corporation is one of the biggest
developers in terms of annual revenues.

The company was established in 1994 and owns another subsidiary, Global-Estate Resorts, Inc.
that focuses on developing hotels and resorts.
Office address

28/F The World Centre, 330 Sen. Gil Puyat Ave., Makati City.

Property types

You can find both housing projects, condominiums and many commercial buildings, mostly for
offices.

Accomplishments

Megaworld won the Best Developer Award in 2016 and 2017 and was nominated in 25
categories in the 2017 annual PropertyGuru Philippines Property Awards.Megaworld was also
ranked third in the list of best condominium developers by ZipMatch.

Current projects

• Forbes Town Center in Metro Manila

• Petron Megaplaza, a 45-story building that was once the tallest building in the country
• McKinley Hill, which is among the largest residential project in the country
• One Central, which was formerly “The Trumps”, changed its name to One Central after
the current US president, Donald Trump, threatened to take legal action
• Eastwood City

Future projects

• One Republic Plaza in Davao City

• Emperador House in Davao City
• The Capital Town in the City of San Fernando
• Maple Grove in General Trias
• Eastland Heights in Antipolo
• Around 20 new housing projects in Mckinley Hills, Uptown Bonifacio and McKinley West

Prices & areas

• The price of a condo in San Antonio Residences in Makati is around PHP 3.5 million
(USD 70,000)
• The price of a condo in The Florence in Taguig is around PHP 7 million (USD 140,000)
• The price of a house in Alabang West in Las Pinas is around PHP 15 million (USD
300,000)
 ➢ SM PRIME HOLDINGS, INC. / SM Development Corporation (SMDC)

SM Prime Holdings is one of the biggest property developers in the Philippines, based on
annual revenue. Founded in 1958, they focus mainly on developing and managing shopping
malls that can be found domestically and overseas, including places like China and the Pacific
Islands.

Office address

10/F Mall of Asia Arena Annex Building, Coral Way cor. J.W. Diokno Boulevard, Mall of Asia
Complex, 1300 Pasay City, Philippines.

Accomplishments
It’s a top earner with yearly incomes of more than PHP 20 billion (around USD 400 million). It
also owns a subsidiary responsible for residential development, called SMDC, that’s been
ranked as one of the best condo developers.

Property types

SM Prime Holdings builds everything from hotels, resorts, shopping malls, housing and
condominium projects, offices, convention centers, and more.

Current projects

• The Villas
• The Belle View
• The Woodridge
• The Horizon
• Plantation Hills
Future projects

• Frame Residences
• Coast Residences
• Air Residences

They also plan to open several new hotels, resorts, and shopping centers in the coming years.
New residential projects are planned in Hamilo Coast and Tagaytay Highlands.

Prices & areas

The price of a 1 bedroom unit in the Grass residences in Quezon City is available for PHP 3
million (around USD 60,000).

➢ DMCI HOMES

DMCI Homes, also known as DMCI Project Developers Inc, is one of the biggest real estate
developers in the Philippines.

It was founded in 1994 by David Consunji and has its headquarter in Manila.

This real estate developer develops mid-rise, high rise buildings, and leisure residences. Some
of their projects include Tivoli Garden Residences, Illumina Residences Manila, Cedar Crest,
Rhapsody Residences, Willow Park Homes, and new and upcoming projects such as The
Birchwood, Levina Place in Taguig, and Bristle Ridge in Baguio City.
Office address

1321 A.Apolinario, Makati, 1233 Metro Manila, Philippines.

Accomplishments

In 2014, the DMCI Homes was ranked number 146th among the World’s Top 1000
Corporations.
They were also rated as the best condominium developer in the Philippines by ZipMatch.

Property types

DMCI is mostly known for building affordable condominiums in Metro Manila, but also builds
residential complexes, hotels, resorts, shopping centers, casinos, hospitals, highways, and
more.

Current projects

• Viera Residences in Quezon City

• The Celandine in Quezon City
• Brixton Place in Pasig City
• Serissa Residences in Las Pinas City
• Torre de Manila in Manila

Future projects

• Fairway Terraces in Pasay City

• Kai Garden Residences Mandaluyong
• The Orabella DMCI Cubao Quezon City
• Mulberry Place DMCI Taguig

Prices & area

• The price of a 2 bedroom apartment in Accolade Place is around PHP 3.5 million (USD
70,000)
• The price of a studio in Alta Vista de Boracay is around PHP 4.5 million (USD 90,000)
• The price of 2 bedroom house in Cedar Crest is around PHP 2.6 million (USD 50,000)
 ➢ VISTA LAND & LIFESCAPES, INC

Vista Land & Lifescapes, Inc. was founded by Manuel Villar in 2007 and is one of the biggest
property developers in terms of annual revenue.

It’s one of the fastest-growing developers in the Philippines.

Office address

Vista Land & Lifescapes, Inc., UGF Worldwide Corporate Center, Shaw Boulevard, 1552
Mandaluyong City, Philippines.

Accomplishments

In the 2017 PropertyGuru Property Awards, they won the award for Best Universal Design
Development and Best Affordable Condo Development for their project, Vista Taft.

They also own multiple subsidiaries that include Vista Residences, Communities Philippines,
Crown Asia, and a few more.

Current projects

• Vista Taft
• The Currency
• Vista Pointe
• Vista Recto
• Madison Place
Future projects

Vista Land is one of the fastest growing developers in the Philippines. In 2017, they announced
to launch 30 new projects. Some of these are:

• Camella Residences in Tagum City

• Lumina Hills in Mintal
• Lumina Residence
• Valenzuela City

Prices & areas

• The price of a condo in The Currency in Pasig is around PHP 5.2 million
• The price of a condo in the Salcedo Square in Makati is around PHP 2 million
• The price of a condo in Mosaic at Greenbelt is around PHP 4.5 million

➢ FILINVEST LAND, INC.

Filinvest Land, Inc. (FLI) is a subsidiary of the Filinvest Development Corporation. It’s one of the
biggest developers in terms of annual revenue.The Filinvest Development Corporation is also
one of the oldest real estate developers, founded in 1955.

Office address

79 EDSA, Mandaluyong City, 1550 Philippines.

Property types

Filinvest Land develops all types of properties including residential, leisure, offices, other
commercial buildings, and townscapes.

Current Projects

• Timberland Heights in San Mateo

• Villa Montserrat at Havila
• Studio A Condo in Quezon City
• Mission Hills in Antipolo
• Oasis series (Asiana Oasis, Bali Oasis 2, Capri Oasis, Maul Oasis, and more)

Future Projects

• Bristol at Parkway Place

• Studio City
• Pioneer Pointe

Prices & areas

• The price of a condominium in 100 West in Makati is around PHP 4 million (USD 80,000)
• The price of a house in Aldea Del Sol in Cebu is around PHP 5 million (USD 100,000)
• The price of a house in Alta Vida in San Rafael is around PHP 3.5 million (USD 70,000)

➢ ROBINSONS LAND CORPORATION

Robinsons Land Corporation was founded in 1980 and is one of the biggest developers in the
Philippines, in terms of annual revenue.
Office address

Lower Level, West Lane Robinsons Galleria, EDSA Corner Ortigas Avenue, Pasig City, Metro
Manila

Accomplishments

That said, they won multiple awards in 2017 PropertyGuru Property Awards, namely: Special
Recognition in Sustainable Development, Best Retail Development, Best Residential Interior
Design, along with the Real Estate Personality of the Year Award for its president, Frederick D.
Go.They also won the Best Developer Award for 2017 by Dot Property Philippines Awards.

Property types

Robinsons Land develops shopping malls, hotels, office buildings, resorts, condominiums, and
townships. They also ranked fifth among the best condominium developers.

Current Projects

• The Sapphire Bloc, winner of Best Residential Interior Design 2017

• Robinsons Residences
• Robinsons Homes
• Axis Residences
• Fernwood Parkhomes

Future projects

The company is currently working on multiple projects, including one in China. Most of their
upcoming projects are malls, office buildings, or hotels, like Go Hotel in Iligan.It’s evident from
their future plans that they are focusing more on commercial and retail properties instead of
residential projects.

Prices & areas

• The price of a condo in Acacia Escalades in Pasig is around PHP 2 million (USD 40,000)
• The price of a condo in The Magnolia Residences in Quezon City is around PHP 4.5
million (USD 90,000)
• The price of a condo in The Trion Towers in Taguig is around PHP 5.5 million (USD
100,000)
 ➢ FEDERAL LAND, INC.

First known as “Federal Homes” and later changing to “Federal Land, Inc.” in 2002, the realty
developer erected its first-ever high-rise office and residential buildings with the Tytana Plaza
and Mandarin Mansion catering to the Filipino-Chinese community in Binondo.

It has since developed various residential and commercial properties around the Philippines,
including the Grand Hyatt Manila, Marco Polo Plaza & Residents in Cebu, and the GT Tower
International in 2001.

Office address

GT Tower, Ayala Ave, Makati, Metro Manila, Philippines.

Accomplishments

Federal Land recently announced its alliance with top Japanese real estate developer, Nomura
Real Estate Development.

Property types

You can find condominiums, townships, office buildings, resorts, and other commercial and
leisure properties.

It’s also listed as the sixth-best condominium developer by ZipMatch and has completed 27
projects so far.
Current projects

• Soler TowerGT Tower in Makati City

• Marco Polo Residences
• Grand Hyatt Residences
• Park Avenue

Future projects

• The Veritown Fort in Bonifacio Global City

• One Lilac Place
• Grand Central Park
• Peninsula Garden Midtown Homes

Prices & areas

The price of a condo in One Wilson Square in San Juan is around PHP 7.5 million (USD
150,000).

➢ SHANG PROPERTIES, INC.

Shang Properties, Inc. is also one of the biggest property developers in the Philippines in terms
of annual revenue.It’s a real-estate subsidiary of the Singaporean company Kuok Group.

Although they were famous for building hotels and resorts for decades, they’ve started to
develop more residential projects.

Office address

Administration Office, Shangri-La Plaza Mall, EDSA corner Shaw Boulevard, Mandaluyong City
Property types

They mostly developed hotels and resorts in the past, but nowadays you can also find condos
and townships.

Current projects

• Horizon Homes
• The Rise Makati
• The Shang Grand Tower
• One Shangri-La Place

Future projects

• The Rise

Prices & areas

• The price of a condo in One Shangri-La Place in Mandaluyong is around PHP 5.3 million
(USD 100,000)
• The price of a condo in Shang Salcedo Place in Makati is around PHP 4.5 million (USD
90,000)

➢ CENTURY PROPERTIES GROUP INC.

Century Properties was founded in 1986 and a major player, with its headquarter located in
Manila.
Century Properties is a real estate company that focuses on high-rise and mid-rise residential
condominium and mixed-use developments.

It is also known to be the developer of the tallest buildings in the Philippines, which are
skyscrapers such as the Gramercy Residences, Trump Tower Manila, and the Knightsbridge
Residences.

Some of their properties also include Azure, Century City, Novotel Suites Manila, Essensa East
Forbes, and Acqua.

Office address

21st floor Pacific Star Building, Sen. Gil Puyat corner Makati Ave., Makati City, Philippines

Property types

Century Properties are mostly known for building mid-rise and high-rise condos.

Current projects

• Acqua Livingstone
• Essensa East Forbes
• Gramercy Residences

Future projects

• Azure Urban Residences

Prices & areas

• The price of a condo in Acqua Private Residences in Mandaluyong is around PHP 3.5
million (USD 70,000)
• The price of a condo in Azure Urban Resort Residences in Paranaque is around PHP 5
million (USD 100,000)
 B. HOUSING DELIVERY PROCESS IN THE PHILIPPINES

The responsibility of the government to ensure the provision of decent and affordable housing to
every Filipino is contained in the Constitution, which mandates 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 underprivileged and homeless citizens in urban
centers and resettlement areas.
From 1978 to present, the NSP has remained the key housing agenda of government. The
program’s objective as well as mechanisms to achieve that objective remain in force today.
Initially, the government adopted a highly centralized system of managing the program. This
was done through the creation of a Ministry of Human Settlements (MHS) in 1978, which was
served as the umbrella organization of all shelter agencies that had evolved since the 1950’s.
These agencies include the following:
1. National Housing Authority (NHA), in charge of social housing production specifically
upgrading of sites and services
2. Human Settlements Development Corporation (HSDC), also into shelter production and
New Town and Estate developments
3. National Housing Commission (NHC), supports the HSDC and NHA in shelter
production
4. Human Settlements Regulatory Commission (HSRC), regulates subdivision
development and socialized housing construction
5. National Pollution Control Commission (NPCC)
6. National Environmental Planning Council (NEPC)
7. Housing Finance Corporation (HFC), provides mortgage insurance or guarantees to
encourage private banks and financial institutions to grant housing loans on easy terms
of payment
8. National Home Mortgage Finance Corporation (NHMFC), acted as a secondary market
for housing mortgages
9. Home Development Mutual Fund (HDMF), a provident savings fund maturing after 20
years
Toward the end of the 1980s, a rationalization of the shelter agencies was undertaken. The
Ministry of Human Settlements was dissolved, and in its place, the Housing and Urban
Development Coordinating Council (HUDCC) was organized. Comparatively, the HUDCC had
limited powers over the shelter agencies, since its main task was to coordinate the shelter
agencies in the implementation of the NSP. The reorganization also reduced the number of key
shelter agencies from nine to five (originally) : NHA, SHFC, HDMF, HGC, NHMFC, AND
HLURB. (But later SHFC was included.)
Legal Basis

• Executive Order No. 90 (December 17, 1986) created the Housing and Urban
Development Coordinating Council (HUDCC).
• Republic Act No. 7279 (March 24, 1992) mandated HUDCC through the key shelter
agencies to formulate a national Urban Development & Housing (UDH) framework and
to report on its implementation.
• Republic Act No. 7835 (December 16, 1992), or the Comprehensive and Integrated
Shelter Finance Act, empowered HUDCC to determine the loanable amounts for
socialized/low-cost housing limit eligible for development financing.
• Executive Order No. 153 (December 10, 2002) directed HUDCC to take the lead in the
identification, curtailment, and monitoring of professional squatters and squatting
syndicates.
• Memorandum Order No. 102 (s.2003) mandated HUDCC to oversee and fast track
through appropriate project schemes and contractual arrangements the implementation
and development of housing projects in areas proclaimed as housing sites.
• Executive Order No. 577 (November 17, 2006) placed the Urban Asset Reform Project
Management Office (UARPMO) under the supervision and control of the HUDCC.
Housing and Urban Development Coordinating Council (HUDCC)
It is the umbrella agency of various housing and development offices of the
Government of the Republic of the Philippines. It was established by
President Corazon Aquino through Executive Order No. 90, Series of 1986.
Under Section 3 of EO No. 90, HUDCC is charged with the main function of
coordinating the activities of the government housing agencies to ensure the
accomplishment of the National Shelter Program. Specifically, HUDCC is
tasked to:

• Formulate national objectives for housing and urban development and to design
strategies for the accomplishment of these objectives;
• Determine the participation and coordinate the activities of the key government housing
agencies in the national housing program;
• Monitor, review and evaluate the effective exercise by these agencies of their assigned
functions;
• Assist in the maximum participation of the private sector in all aspects of housing and
urban development;
• Recommend new legislation and amendments to existing laws as may be necessary for
the attainment of government’s objective in housing;
• Formulate the basic policies, guidelines and implementing mechanisms for the disposal
or development of acquired or existing assets of the key housing agencies;
• Exercise or perform other powers and functions as may be deemed necessary, proper or
incidental to the attainment of its purpose and objectives.
LOCAL FRAMEWORK OF HUDCC

National Housing Authority

The National Housing Authority (NHA) was organized as a government-
owned and controlled corporation, by virtue of Presidential Decree No. 757
dated 31 July 1975. It is mandated to develop and implement a
comprehensive and integrated housing program which shall include, among
others, housing development and resettlement, sources and schemes of
financing and delineation of government and private sector participation
Executive Order 90 (17 December 1986)

• 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
• Undertake programs for the improvement of blighted urban areas and provide technical
assistance to private developers undertaking low-cost housing projects
• May continue development of housing projects for income-earners above the lowest
30% provided that funds generated thereon are utilized for the attainment of its primary
mandate (Section 1a)
Vision
By 2019, NHA would have provided 50% of the housing needs for homeless low-
income families living in danger areas, government infrastructure project sites and
government-owned lands in Metro Manila and all regions.

Mission
We provide decent, adequate and affordable housing to low-income families and ensure
the provision of community facilities and access to utilities, social services and economic
opportunities.

Core Functions
1. Development and implementation of a comprehensive and integrated program:
• Housing Development
• Relocation and Resettlement
• Community Empowerment
• Asset Development and Management
2. Enabling LGUs, civil society organizations (CSOs), private sectors and participating
stakeholders to improve capabilities for housing development and delivery.

PROGRAMS AND APPROACHES

1. Regular Programs

A. Resettlement Program

Provision of new settlements for families occupying danger areas such as

waterways/riverbanks, railroad tracks, sidewalks, etc., and those displaced from sites
earmarked for government infrastructure projects.To the extent possible, the in-city
resettlement approach is adopted to minimize the social, economic, cultural and political
impacts of dislocation. Off-city resettlement is resorted to when all means to implement the
former has been exhausted. In the resettlement planning process, the following spectrum of
alternative site locations are considered:
• On-site/land sharing
• Near-site
• In-barangay
• In-city/in-town (high density housing)
• Near-city/near town
• Out-of-city/out-of-town

B. Regional Resettlement Program

Involves the implementation of local/ regional projects as joint national-local government

undertakings. It addresses the resettlement requirements of LGUs outside Metro Manila
involving families in danger areas, those affected by infrastructure projects and calamities
and indigenous peoples.
NHA also provides technical assistance designed to enhance and augment LGU capacities
in various aspects of housing development, project planning and packaging, works
engineering and project supervision, beneficiary selection/awards/disposition, collection
and estate management.
C. Housing Assistance for Calamity Victims

A nationwide program intended mainly to respond to the shelter needs of low and marginal-
income and/or informal settler families affected by calamities such as typhoons, landslides,
earthquakes, fires and other human-induced calamities for relocation to safe, disaster
resilient and sustainable settlements.

The program also involves the provision of housing materials assistance to families whose
homes are partially damaged by calamities in the “build zone” and do not require relocation
and resettlement.
D. Settlements Upgrading

Provides security of tenure to qualified family occupants and undertake improvement of

infrastructure and services in the sites. It covers survey and titling of individual lots for
disposition to qualified occupants, infrastructure development, housing construction and
rehabilitation of existing project sites.
E. Multi-level Housing

Involves the construction of low-rise and medium-rise buildings as in-city relocation

approach for informal settlers intended not only to mitigate the socio-economic effects of
dislocation but also to maximize the use of scarce and expensive land.
F. Housing for Low-Income Formal Sector

Provision of housing to minimum wage earners who cannot afford housing offered by private
developers.
G. Community-Based Housing Programs

Programs that enable communities to mobilize resources for resolution of land tenure
issues and/or site development, where NHA may act as conduit between communities
and financing institutions or government/non-government institutions offering liberalized
financing for land acquisition and other forms of grants/inputs to people’s organizations.
H. Housing for Indigenous Peoples
Involves the implementation of local/regional resettlement projects as joint NG-LG
undertakings to address local resettlement requirements of local government units
outside Metro Manila
I. Technical Assistance
The NHA likewise extends technical assistance to the community association/cooperative
in terms of community organization, negotiation with the land owner, preparation of
development plans, formulation of disposition and collection schemes, and coordination
with other national government agencies for the processing of required documents.

SPECIAL PROGRAMS

A. Housing Programs for Informal Settler Families Residing in Danger Areas in Metro
Manila
• Involves relocation and resettlement of families residing in or along
danger areas in Metro Manila particularly those along waterways such
as creeks, rivers and esteros.
• Undertaken mainly through in-city multi-storey housing development utilizing
government owned land
• Off-city Resettlement where in-city projects are not feasible
• Also covers implementation of alternative in-city project schemes
proposed by program stakeholders (e.g. CSOs/LGUs)
• Funded out of the Php50.0 Billion fund released for said purpose

B. AFP/PNP Housing Program

• A 5-year program intended to provide permanent housing facilities for low-

income military and police personnel.
• A flagship project of the President of the Philippines for the Armed Forces
of the Philippines (AFP), Philippine National Police (PNP), Bureau of Jail
Management and Penology (BJMP), and the Bureau of Fire Protection
(BFP) personnel. Implemented under AO No. 9 dated 11 April 2011

DELIVERY SCHEMES AND APPROACHES

1. Direct Delivery
• NHA undertakes housing development on its own through the award of civil works
contracts
• Project planning, financing, implementation/contract supervision, and disposition
of housing units are undertaken directly by NHA

2. Community-Initiative Approach (CIA)

The CIA is an implementation strategy designed to build on the initiative and promote
the participation of affected families, through their Community Associations, in the
housing development decision-making process particularly in the choice of housing sites
and to allow them to acquire housing units in their selected sites.

3. Joint Venture

A strategy based on resource/expertise-sharing scheme with private landowners,

private developers, local government units, civil society organizations (CSOs)
with equity contribution taking the form of land or funds for development.
 4. Technical Assistance
The NHA provides to its housing development partners the technical support and services
in various aspects of project development.

THE QUALITY MANAGEMENT SYSTEM

GENERAL REQUIREMENTS
Scope
This Quality Manual applies to NHA’s Quality Management System and covers all the
processes required to provide housing to its target beneficiaries.

NHA shall establish, implement and maintain a QMS and is committed to continually
improve its effectiveness in accordance with the requirements of ISO 9001:2008.
The NHA QMS shall cover the core processes as follows:

1. Pre-Implementation Phase

• Targets, Priorities and Funding

• Land banking and Assembly
• Planning and Architectural & Engineering Design
• Pre-Relocation
• Social Preparation

2. Implementation Phase

• Contracts Management
• Physical Construction
• Relocation
• Community Development(Community Empowerment)
• Awards Documentation and Titling

3. Post-Implementation

• Asset Development and Management

• Community Management
• Project disengagement

The NHA QMS shall initially be adopted in all departments/offices within the NHA Main
Office, including the Area Management Offices and one project Office, the Quezon City
Project Office, all located at Diliman, Quezon City. The QMS shall eventually be replicated
to other regional and district offices of NHA.

NHA QMS Process Map

The NHA QMS Process Map describes the inter-relationships of the Management, Core
and Support Processes. NHA caters to housing beneficiaries to include the Informal Settler
Families, Low –income formal sector as well as calamity victims in need of housing.

The inputs to the development of programs and projects are anchored on the needs and
requirements of these beneficiaries, the priorities set in national development plans as well
as government policies and issuances, The major final outputs are housing programs and
services, The management and support processes complete the map and are critically
important to ensure the continuing improvement of the service process.

MANAGEMENT PROCESSES

The Management processes listed below are for oversight and governance of the Authority to
comply with applicable legislation policies and standards.
A. Corporate Strategic Planning – involves the development of plans and
programs for implementation, review and monitoring.
B. Performance Management – involves its employees individually or
collectively in improving organizational effectiveness in the accomplishment
of agency mission and goals.
C. Risk Management – identifies, quantifies and manages the risks to minimize
market, operational, strategic and financial risks.
D. Internal Quality Audit – evaluates/compares actual performance vis-à-vis
 QMS.
E. Public Relations Management – creates, maintains, sustains, ensures, and
manages good/positive corporate image.
F. Organization Development – enables the optimum use of resources.

CORE PROCESSES

At the focal point of the map are the core processes which have been categorized by phases.
Pre-Implementation – covers the start-up activities of the housing processes as described below

A. Targets, Priorities and Funding— wherein priority programs, targets and

budgetary requirements for the year are identified, presented to, and approved
by the NHA Management/Board.
B. Land Banking— Under the definition of terms in RA 7279 or UDHA of 1992,
land banking refers to the acquisition of land, at values based on existing use,
in advance of actual need to promote planned development and socialized
housing programs.
C. Land Assembly—refers to the acquisition of adjacent lots from different
owners through sale or expropriation by the government and assembling or
consolidating the parcels to form a contiguous lot that will meet the project
0requirement in terms of lot size.
D. Planning and Architectural & Engineering Design – involves
program/project identification based on production targets and priorities.
Determines project criteria i.e. project location, amenities/facilities, lot and
house size, and cost recovery schemes.
E. Pre-relocation – activities include provides direct services and/or technical
assistance to operating units, LGUs, NGAs and CSOs in the planning and
implementation of pre-relocation activities i.e. census and tagging, formation
of relocation action center, organization of LIAC/PAC, etc.
F. Social Preparation –facilitates project acceptance by the beneficiaries
through consultation meetings and formation of community organizations.
Implementation – involves the construction of completed housing units or developed
lots, provision of basic services and required community facilities.
A. Contracts Management – involves all matters pertaining to contracts i.e.
invitation to bid, bid evaluation, award, monitoring, billing of contractors,
managing additive and deductive change orders, etc.
B. Physical Construction – actual land development and construction
activities.
C. Relocation and Resettlement – actual dismantling activities and transfer of
households to resettlement sites.
D. Community Development –involves the development of socio-economic
programs i.e. livelihood and affordability enhancement programs and
strengthening linkages with LIAC, Sub-committee on Livelihood, and other
partner- stakeholders as a process towards community empowerment.
 E. Award, Documentation and Titling– process formalizing the qualified
beneficiary’s right over the property or parcel of land through award
documentation and issuance of corresponding title upon full payment.

Post-Implementation

A. Asset Development and Management— Ascertains the management

of the Authority’s assets comprising of residential, commercial, industrial
and mixed-use properties through leveraging and other creative financing
schemes.
B. Community Management— assists in the advancement of the
community from just an association, federation or cooperative to well-
functioning, self-sufficient and empowered organizations that are
responsive to the needs of the community such as safe environment and
availability of socio-economic activities to ensure productivity and
progress thereby motivating the beneficiaries to stay. Effective
community management is to ensure the community’s ability to withstand
challenges like the eventual disengagement of NHA, flexibility to adjust
to new obligations, among others. Dependable leadership and strong
spirit of community volunteerism has already been achieved at this point.
C. Project Disengagement—proper turnover of the identified project
components to the LGUs, Community Leaders/Organizations to assume
Estate Management functions.

SUPPORT PROCESSES

The support processes provide the necessary resources to the core

processes to facilitate product realization, measurement, and monitoring
activities. These are listed as follows:
• Human Resource management
• Information and Communications Technology (ICT) Management
• Housing Technology Management
• Financial Management
• Work Environment Management
• Materials and Logistics Management
• Buildings and Property Management
• Legal Management

Housing and Land Use Regulatory Board (HLURB)

It is a national government agency tasked as the 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 and regulation.
The sole regulatory body for housing and land development, 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”.

MANDATES (HLURB in retrospect)

1. PLANNING: (EO 648; EO 72; RA 7279)

- Formulate guidelines for Comprehensive Land Use Plans (CLUPs)
- Render technical assistance to LGU’s in CLUP preparation
and to members of Provincial Land Use Committee (PLUC)
and Regional Land Use Committee (RLUC) in CLUP
Review.
- Review and ratify CLUPs of highly urbanized cities (HUCs) and
independent component cities (ICCs) and review CLUPs of Metro
Manila
- Update and revise the National Urban Development and
Housing Framework under the direction of HUDCC
- Train LGUs in subdivision plan approval and zoning enforcement

2. REGULATION: (EO 648; EO 90; EO 71; EO 72; PD 957, 1216, 1344; BP 220;
RA 7899; RA 9904; RA8763 (Sec.26))
- Register and license subdivision and condominium projects, farm lots,
memorial parks and columbaria.
- Monitor development and construction of registered/licensed projects.
- Update and revise rules, guidelines and standards on housing and real
estate.
- Approve Master Deed and Declaration of Restrictions of
condominium project, and any amendment or revocation thereof
decided upon by a simple majority of all registered owners
(concurrently with City or Municipal Engineer).
- Issue Locational Clearances for projects considered to be of vital
and National or Regional Economic or Environmental significance.
- Register and supervise HOAs.
- Register real estate brokers, dealers and salesmen engaged in selling
projects under HLURB jurisdiction.

3. ADJUDICATION: (EO 648; RA 9904, 8763 (Sec. 26))

- Disputes between subdivision lot or condominium unit buyer and
developer.
- Intra- and Inter-Homeowners associations disputes.
- Appeals from decisions of local zoning bodies.
Home Guaranty Corporation (HGC)

Originally chartered as the Home Financing Corporation in 1950 to

“mobilize investible funds for housing purposes”; renamed (Home
Insurance and Guaranty Corporation) in 1986 and recapitalized to
provide a viable system of guarantees, loan insurance, and other
incentives to encourage private development and financing of low-
income housing. In its new 2000 charter, mortgage insurance was
dropped.
It is the government owned and controlled corporation (GOCC) mandated by law (Republic Act
8763) to promote sustainable home ownership by providing risk coverage of Guarantees and
tax/fiscal incentives to banks and financial institutions/investors granting housing development
loans/credits, and home financing. As HGC focuses on promoting home ownership to middle
and low-income families.
RULE III, ARTICLE 8. Corporate Powers and Functions. The Corporation, in addition
to the regular powers and functions provided under section 36 of the Corporation Code,
shall have the following powers and functions, subject to the limitations hereinafter
provided:
A. To promote Home building and land ownership, giving primarily
preference to the homeless and under privileged sectors of the society;
B. To guaranty the payment in favor of any natural or juridical person, of
any and all forms of mortgages, loans and other forms of credit facilities
and receivables arising from financial contracts exclusively for residential
purposes and the necessary support facilities thereto;
C. To assist private developers to undertake socialized, low and medium-
cost mass housing projects by encouraging private funds to finance
such housing projects through a viable system of long-term mortgages,
guaranties and other incentives;
D. To pursue the development and sustainability of a secondary mortgage
market for housing as the primary strategy to encourage private sector
participation in housing finance.

The Corporation shall undertake such programs and measures using

the guaranty cover as enhancement to encourage trading by the public
in a secondary market for housing mortgages, bonds, debentures, notes
and securities;
E. To underwrite purchase, own, sell, mortgage or otherwise dispose of
stocks, bonds, debentures, securities and other evidence of
indebtedness issued in connection with the powers enumerated in the
Act: Provided, it shall not engage in direct mortgage lending activities;
F. To borrow money and/or to issue bonds, debentures, securities,
collaterals, notes and other obligations, in both local and foreign
currencies, subject to the limitations provided in Art. 19 hereof;
 G. To promote housing by the aided self-help method whereby families with
some outside aid build their own houses with their own houses with their
own labor; to provide technical guidance to such families; to guaranty
loans to such families on first liens on the house and land with such
other security and conditions as the Corporation shall determine,
providing at least for ultimate recovery of principals; and to do all other
activities as are relevant and significant in such a program of aided self-
help for housing;
H. To adopt, alter and use a corporate seal; to enter into contracts; and to
sue and be sued in its Corporate name in any court of competent
jurisdiction;

I. To acquire, purchase, own, hold, manage, administer, operate, develop,

lease, pledge, mortgage, exchange, sell, transfer or otherwise dispose of
real and personal property with every kind and description, monies and
funds, or any interests therein as may now be necessary to effectively
carry out the purposes, objectives and functions of the Corporation;

J. To do any and all acts and things and to exercise all powers, which
maybe necessary or convenient to the accomplishment or furtherance of
its purposes and objectives, or which a natural person can do and
exercise and which may now be or hereafter authorized by law.

Home Development Mutual Fund (HDMF, also known as PAG-IBIG Fund)

It is a Philippine government-owned and controlled corporation

under the HDCC responsible for the administration of national
savings program and affordable shelter financing for Filipinos
employed by local and foreign based employers as well as voluntary
and self-employed members. It offers its members short-term loans
and access to housing programs.

To provide its members with adequate housing through an effective saving scheme,
Pag-IBIG Fund harnesses these four sectors of Philippine
society: financial institutions, the industrial sector, the government, and the Filipino people.
The Fund was created to address two of the nation’s basic concerns: (a) the generation of
savings and (b) providing shelter for Filipino workers.
It is directed to utilize funds not required for provident benefits for housing loans to
members; the Social Security System (SSS), directed to be the primary provider of funds
for long-term mortgages for low and middle-income private sector employees; and the
Government Service Insurance System (GSIS), directed to be the primary provider of
funds for long-term mortgages for low and middle-income government employees. These
three agencies were support agencies mandated to ensure that “funds for long-term
housing loans are available on a continuous and self-sustaining basis.” EO 90 prescribed
the amount of funds each would contribute along with other parameters for an “integrated
home mortgage financing system” anchored by NHMFC.
RULE IV, SECTION 1

The Home Fund Development Mutual Fund or the Pag-IBIG Fund created under R.A. 9679
is a government financial institution involved in mobilizing provident funds primarily for
shelter finance. It is a nationwide tax-exempt mutual provident savings system for private
and government employees and other earning groups, supported by matching mandatory
contributions of their respective employers in the spirit of social justice and the pursuit of
national development with housing as the primary investment.

Housing Loan Availment – this housing loan program grants opportunities to Pag-IBIG
Fund members to avail of housing loans to finance any one or a combination of the
following:
1. Purchase of a fully developed residential lot or adjoining residential lots not exceeding
1,000 square meters, which should be within a residential area;

2. Purchase of a residential house and lot, townhouse or condominium unit, inclusive of

a parking slot, which may be:

* Old or brand new;

* A property mortgaged with the Fund;
* An acquired asset of the Pag-IBIG Fund; or
* Adjoining houses and lots/ townhouse/ row houses/ condominium units.

The subdivision project where said residential units are located must have complied with all
the required facilities pursuant to BP No. 220.

3. Construction or completion of a residential unit on a residential lot owned by the

borrower, or a relative of the borrower based on accommodation of mortgage;

4. Home improvement on the house owned by the borrower, i.e. any alteration in an
existing residential unit intended by the borrower to be a permanent integral part
thereof, which will enhance its durability and material value;

5. Refinancing of an existing housing loan with an institution acceptable to the Fund,

provided that, the account is updated at least one (1) year old upon application as
supported by the borrower’s official receipts or by a Statement of Account issued by
the financing institution signed by the Manager or Account Officer.

6. Combination of loan purposes, which shall be limited to the following:

* Purchase of a fully developed lot not exceeding 1,000 square meters and construction of
a residential unit thereon;
* Purchase of a residential unit, whether old or new, with home improvement;
* Refinancing of an existing mortgage with home improvement;
* Refinancing of an existing mortgage, specifically a lot loan, with construction of a
residential unit thereon.
 7. Combination of loan purposes plus cost of transfer of title, which shall be limited to the
following:
* Purchase of residential unit and transfer of title in favor of the retail borrower;
* Purchase of a residential unit with home improvement, and transfer of title in favor of the
retail borrower;
* Purchase of residential lot and transfer of title in favor of the retail borrower;
* Purchase of residential lot with house construction, and transfer of title in favor of retail
borrower.

Two (2) modes of applying for a Pag-IBIG housing loan:

• Developer-Assisted - the developer assists the member in his/her housing loan

application.
• Retail - the member applies directly to the Fund.

How to get a PAG-IBIG housing loan

Not everyone knows it but a Pag-IBIG housing loan may be used to finance not just the
purchase of a brand-new property but also the following:
• Purchase of a fully developed residential lot or adjoining lots not exceeding 1,000
square meters;
• Purchase of a residential house and lot, townhouse, or condominium unit; or
Process Flow of Housing Loan Availment in Pag-IBIG Fund

1. Submit requirements to office

2. Check by documentation department
3. Send to Pag-IBIG Housing Loan
4. Waiting for notice of approval
5. Registry of deed annotation of title
6. Inspection of the house by Pag-IBIG representative
7. Notice of approval compliance/final review
8. Take out/schedule of payments
 ✓ What is the Processing Time?

The regular processing time for a housing loan application is sixteen (16) working
days, provided the borrower has submitted all the necessary requirements.

Pag-IBIG Housing Loan Application Process

1. Get a checklist of requirements.

The checklist of requirements depends on the purpose of the loan. You may get your
checklist online, or at the Servicing Department, 2nd floor, JELP Business Solutions
Building, Shaw Boulevard, Mandaluyong City (for NCR account) or any provincial
branch office (for provincial accounts).
Basic requirements include:

- Housing Loan Application (HLA) form, with recent ID photo of borrower and co-
borrower (if applicable);
- Proof of income;
- 1 valid ID of principal borrower and spouse, co-Borrower and spouse;
- Transfer Certificate of Title (certified true copy);
- For condominium unit, Transfer Certificate of Title of the land and
Condominium Certificate of Title (certified true copy);
- Updated tax declaration (house and lot) and updated real estate tax receipt;
- Contract-to-Sell or similar agreement between the buyer and seller; and
- Vicinity map/sketch of the property.

Borrowers over 60 years old and members availing of P2-million to P6-million loans
also need to submit a health statement form (medical questionnaire).
2. Submit your HLA and other forms and pay the processing fee of P1,000.

You may submit your HLA with complete requirements at the Pag-IBIG Fund’s main
branch and provincial offices. You may also file your housing loan application online.
Upon submission of all requirements, you also need to pay a non-refundable
processing fee of P1,000.
3. Wait for your Notice of Approval (NOA)/Letter of Guaranty (LOG) and sign your
loan documents.
The NOA will be released only to the borrower or, for OFW borrowers, to the attorney-
in-fact. If an application is not approved, the borrower will receive a Notice of
Disapproval instead. Upon receipt of your NOA, sign your loan documents and submit
within 90 days.
4. Submit all your NOA requirements to Pag-IBIG Fund for the release of your check.

You have 90 calendar days to accomplish all your NOA requirements, which include going
to the following:
- Bureau of Internal Revenue for payment of capital gains tax and documentary
stamps;
- Local government unit for payment of transfer tax and transfer of tax declaration;
and
- Registry of Deeds for transfer of the title and annotation of mortgage.

5. Receive your loan proceeds.

To get your loan proceeds at the Pag-IBIG Fund, you need to bring at least 2 valid IDs and
show the following documents:
- Transfer Certificate of Title/Condominium Certificate of Title in the
name of the borrower/co-borrower/s (if applicable) with mortgage
annotation;
- Updated tax declaration (house and lot) and tax real estate tax receipt in the
name of the borrower/co-borrower/s (if applicable);
- Deed of Absolute Sale with original stamp from the Registry of Deeds;
- Occupancy permit (secured from LGU Engineering Office, if applicable); and
- Assignment of loan proceeds.
If you will not be paying your loan through salary deduction, you also need to bring 12
postdated checks.
6. Start your monthly amortization payments.

You’ve already had an idea on how much your monthly amortization payment will be
using Pag-IBIG’s housing loan affordability calculator earlier, right? So you should be
ready to pay that amount promptly. You wouldn’t want to face the risk of having your
housing loan cancelled or foreclosed.
National Home Mortgage Finance Corporation (NHMFC)

The NHMFC was created in 1977 by virtue of Presidential Decree

1267 that gave it the mandate to develop and operate a secondary
market for home mortgages. This mandate was patterned after the
United States (U.S.) Fannie Mae and Freddie Mac that back then
were considered the models for home finance securitization.
The NHMFC was operating relatively well before 1984 in
performing its mandate of buying home mortgages originated by
private financial institutions and eventually selling them to the
public as Housing Participation Certificates.

Charted in 1979 as a secondary mortgage market institution and recapitalized by EO 90

to operate a viable home mortgage market utilizing long-term funds principally provided
by the support agencies. In 2004, the Social Housing Finance Corporation (SHFC), a
wholly-owned subsidiary of NHMFC, was established to develop and administer social
housing finance programs for low-income formal and informal households.

Social Housing Finance Corporation (SHFC)

This was created through Executive Order No. 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 Community Mortgage
Program (CMP) and the Abot Kaya Pabahay Fund (AKPF) Program
(amortization support program and development financing program).
Executive Order No. 272 (E.O.272) – it directs the transfer of the Community Mortgage
Program (CMP), Abot Kaya Pabahay Fund (AKPF) Program, and other social housing
powers and functions of the National Home Mortgage Finance Corporation tothe SHFC.

OTHER AGENCIES OFFERING HOUSING LOAN

Social Security System (SSS)

The SSS is a social security program designed for Filipino

citizens who are of age and work in the private sector. The
loans offered by the institution include salary loans, business
loans, and of course, housing loans. At present, the program’s
housing loans come in four types, all of which are currently
offered at a maximum of Php2 million.
Government Service Insurance System (GSIS)

Created by way of Commonwealth Act No. 186 that was passed in

1936, and later on amended under Republic Act No. 8291 in 1997,
the Government Service Insurance System (GSIS) is a social
security system for government employees. It insures members
against particular contingencies in exchange for their monthly
contributions.

The institution does not directly offer housing loans as it did in the past, and is presently
focused on compulsory life insurance, optional life insurance, retirement benefits,
disability benefits for work-related contingencies, and death benefits for its government-
worker members. However, it does offer housing loan products via these two means.

POSTBANK
The Philippine Postal Savings Bank or Postbank is a
government-owned thrift bank that aims to reach
Filipinos who are living in “unbanked” communities
and rural areas. Aside from encouraging Filipinos to
save, it also provides financial help and loans. Loans
include LGU loans, commercial loans, and consumer loans.One of their consumer loans is
the housing loan. The maximum loanable value depends on the purpose of the loan.

Qualified borrowers can avail themselves a maximum loan term of 20 years, provided that
they are employed or self- employed, have been residing in their present address for at
least five years, the property’s monthly amortization does not exceed 50% of their monthly
net income, and they will not be over 65 years old by the time the loan is fully paid.

Requirements for the employed applicants are their income tax return, certificate of
employment and salary, or latest payslip. Applicants who are self-employed need to submit
their financial statements for the past three years, certificate of business registration with
the Securities and Exchange Commission (SEC), and articles of incorporation and by-laws.

LANDBANK
The Land Bank of the Philippines is a government
financial institution that strikes a balance in fulfilling its
social mandate of promoting countryside development
while remaining financially viable.
This dual function makes LANDBANK unique. The profits derived from its commercial
banking operations are used to finance the Bank's developmental programs and initiatives.

From its initial role as the financing arm of the agrarian reform, LANDBANK has evolved
into a full-service commercial bank. But the essence of its existence has not changed at
all - and that is to make the countryside continuously throb with life.
REFERENCES:
https://www.asiapropertyhq.com/property-developers-philippines/
https://primer.com.ph/business/notable-real-estates-developers-in-the-philippines/
https://www.scribd.com/document/365098987/Housing-Delivery-System-in-the-Philippines