It takes 15 points to finish a championship, with at least 2 majors (equaling between 3-5 points).
You don't want to breed a female until she is close to 2 years old and has had her health testing.
Also, you would want to health test your male.
Did the breeder that you got your male from say he was breeding quality?
There are companion dogs (pets) and there are show/breeding dogs in every breed.
For example, Lets say your male is on the bigger side of the scale. And your female ends up being on the bigger side of the scale. You breed them together, and they produce puppies that grow bigger to. Now the Havanese breed standard states that Havanese should be between 8 1/2 and 11 1/2 inches tall, but your puppies grow to be 13 inches tall. Now all of a sudden they aren't looking like Havanese anymore! Or...lets say your male only has one testicle, or their eyes are more round and not almond shape, their feet turn out ect.
There are alot of backyard breeders out there who don't give a hoot about the breed, they are only doing it for the money. This is what most ethical breeders want to avoid, so they require their dogs to go out on spay/neuter contracts.