The document summarizes several key Philippine government offices and laws related to housing and human settlements. It outlines the government agencies that oversee housing development and finance, including the Department of Human Settlements and Urban Development, Home Development Mutual Fund, Human Settlements Adjudication Commission, National Housing Authority, and National Home Mortgage Finance Corporation. It also briefly describes several laws such as the Urban Development and Housing Act of 1992, Subdivision and Condominium Buyer's Protective Decree, and Realty Installment Buyer Protection Act that regulate land use planning, subdivision/condo development and sales, and protect buyers/owners.

6. Village In Cordillera Mountains, Luzon, Philippines Stock Photo,

39. Government Offices on Housing and Settlements
Department of Human
Settlements and Urban
Development (DHSUD)
Home Development
Mutual Fund
(HDMF)
Human Settlement
Adjudication
Commission (HSAC)
National Housing
Authority (NHA)
National Home
Mortgage Finance
Corporation
(NHFMC)
Social Housing
Finance
Corporation (SHFC)

40. Department of Human Settlements and Urban Development
(DHSUD)
The Department of Human Settlements and Urban
Development (Kagawaran ng Pananahanang Pantao
at Pagpapaunlad ng Kalunsuran) - is the execurive
department of the Philippine
government responsible for the management of
housing and related development in the Philippines.
The law creating the Department of Human
Settlements and Urban Development (DHSUD),
Republic Act No. 11201, was signed into law by
President Rodrigo Duterte on February 14, 2019, with
the signing announced to the public by the
government on February 19, 2019.
The DHSUD was the result of a merger of the Housing
and Urban Development Coordinating Council
(HUDCC) and the Housing and Land Use Regulatory
Board (HLURB), with the former becoming defunct
and the latter reorganized as the Human Settlements
Adjudication Commission (HSAC).
Bureaus:
• Environmental, Land Use
and Urban Planning and
Development Bureau
(ELUPDB)
• Homeowners Associations
and Community
Development Bureau
(HOACDB)
• Housing and Real Estate
Development Regulation
Bureau (HREDRB)

41. Department of Human Settlements and Urban Development
(DHSUD)

42. Home Development Mutual Fund
(HDMF)
The Home Development Mutual Fund (HDMF), more
popularly known as the Pag-IBIG Fund (Pag-IBIG is an acronym
which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko,
Industria at Gobyerno), was an answer to the need for a
national savings program and an affordable shelter financing
for the Filipino worker.
The Fund was established on 11 June 1978 by virtue of
Presidential Decree No. 1530 primarily to address these
two basic yet equally important needs. Under the said law,
there were two agencies that administered the Fund:
The Social Security System handled the funds of
private employees
Government Service Insurance System handled
the savings of government workers.

43. Human Settlement Adjudication Commission
(HSAC)
 The Human Settlements Adjudication Commission (HSAC) was reconstituted
from the Housing and Land Use Regulatory Board (HLURB) by virtue of
Republic Act No. 11201, as a purely quasi-judicial agency.
 It is mandated to adjudicate, among others, disputes relating to real estate
development, homeowners association, and appeals from decisions of local
and regional planning and zoning bodies.
 In the performance of its functions, the HSAC is guided by the Constitutional
provision that affords all persons the right to a speedy disposition of their
cases before all judicial, quasi-judicial or administrative bodies.
 The HSAC is attached to the Department of Human Settlements and Urban Development
for policy, planning and program coordination only.

44. National Housing Authority (NHA)
 The National Housing Authority (NHA) is the sole national agency
mandated to engage in housing production for low income families. It
traces its roots to the People’s Homesite Corporation (PHC), the first
government housing agency established on 14 October 1938 and to the
National Housing Commission (NHC) which was created seven years
later, on 17 September 1945. These two agencies, the PHC and NHC,
were eventually merged on 4 October 1947 into the People’s Homesite
and Housing Corporation (PHHC).
 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.

45. National Home Mortgage Finance Corporation
(NHFMC)
 The National Home Mortgage Finance Corporation was created in 1977 by
virtue of Presidential Decree 1267, with the mandate of increasing the
availability of affordable housing loans to finance the Filipino homebuyer’s on
their acquisition of housing units through the development and operation of a
secondary market for home mortgages. Consistent with this mandate NHMFC
bought mortgages originated by private financial institutions and eventually
sold them back to the public through the issuance of mortgage backed
financial instruments.
 However, the financial crisis which hit the country in 1984 up to the early part
of 1986 caused the collapse of a relatively successful home-financing program
of the government. Since a sizeable portion of NHMFC funds came from the
financial market, with addition to funds coming from contributions of PAG-IBIG
members, the 30% to 40% interest rates of the financial market made it
impossible for NHMFC (whose lending rate was pegged at 9%) to operate
viably.

46. National Home Mortgage Finance Corporation
(NHFMC)
 With the assumption into office of the Aquino Administration in 1986, as the
major government home mortgage institution, NHMFC was tasked to operate
a viable home mortgage market, utilizing long-term funds principally provided
by the Social Security System (SSS), the Government Services Insurance System
(GSIS), and the Home Development Mutual Fund (HDMF), to purchase
mortgages originated by both private and public institutions that are within
government-approved guidelines.
 It was also charged with the development of a system that will attract private
institutional funds into long-term housing mortgages.
 In view of the above, NHMFC clientele was expanded to include among others,
borrower/members of SSS and GSIS (in addition to PAG-IBIG members), and
even non-members of these institutions, as well as developers of low-cost
housing projects. Other qualified originators were added: private developers,
government agencies, community associations, local government units and
non-government organizations, together with private financial institutions.

48. Republic Act No. 7279 - Urban Development and Housing Act
of 1992
It shall be the policy of the State to undertake, in cooperation
with the private sector, a comprehensive and continuing Urban
Development and Housing Program
- A comprehensive land use plan (CLUP) is a “rational approach
of allocating available land resources as equitably as possible
among competing user groups and for different functions
consistent with the development plan of the area… .”
(Section 3, Republic Act 7279)
• Laws that Ensure Rational Land Use and Sustainable Urban and Regional
Development
Philippine Laws on Settlements

49. Memorandum Circular No. 54 - Prescribing the Guidelines of
Sec. 20, R.A. 7160, Authorizing Cities/Municipalities to
Reclassify Lands into Non-Agricultural Uses
• Laws that Ensure Rational Land Use and Sustainable Urban and Regional
Development
Philippine Laws on Settlements
Executive Order No. 124 - Establishing Priorities and
Procedures in Evaluating Areas for Land Conversion in Regional
Agricultural/Industrial Centres, Tourism Development Areas
Sites for Socialized Housing
Executive Order No. 72 - Providing for the Preparation and
Implementation of the Comprehensive Land Use Plans of Local
Government Units Pursuant to the Local Government Code of
1991 and Other Pertinent Laws

50. Subdivision and Condominium Buyer's Protective Decree
Presidential Decree No. 957 (As Amended By P.D. 1216) -
Regulating the Sale of Subdivision Lots and Condominiums,
Providing Penalties For Violations Thereof
• Laws that Regulate the Relationship between Sellers, Developers and Buyers of
Subdivision Lots and Condominium Units, and provide Quasi-Judicial and Criminal
• Remedies for Breach of Statutory and Contractual Obligations
Philippine Laws on Settlements
Presidential Decree No. 1216 - Defining "Open Space" in
Residential Subdivision and Amending Sec. 31 of Pd 957 -
Requiring Subdivision Owners to Provide Roads, Alleys,
Sidewalks and Reserve Open Space for Parks or Recreational
Use

51. Presidential Decree No. 1344 - Empowering the NHA to Issue
Writ of Execution in the Enforcement of its Decisions Under
P.D. 957
• Laws that Regulate the Relationship between Sellers, Developers and Buyers of
Subdivision Lots and Condominium Units, and provide Quasi-Judicial and Criminal
• Remedies for Breach of Statutory and Contractual Obligations
Philippine Laws on Settlements
Republic Act No. 11201 - law creating the Department of
Human Settlements and Urban Development (DHSUD),
Republic Act 4726 - The Condominium Act. An Act to Define
Condominium, Establish Requirements for its Creation, and
Govern its Incidents
Executive Order 184 - Creating Socialized Housing One-Stop
Processing Centers

52. Republic Act 6552 - Realty Installment Buyer Protection Act
• Laws that Regulate the Relationship between Sellers, Developers and Buyers of
Subdivision Lots and Condominium Units, and provide Quasi-Judicial and Criminal
• Remedies for Breach of Statutory and Contractual Obligations
Philippine Laws on Settlements
Presidential Decree 957 - Subdivision and Condominium
buyer’s Protective Decree on “regulation the sale of
subdivision lots and condominiums, providing penalties for
violations thereof.”
- law that protects the rights of buyers
of subdivision lots and condominium units. It specifies the
requirements and violation penalties for owners, dealers,
developers, brokers, and salespeople.

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