An Assessment of Housing Delivery in Nigeria: Federal Mortgage Bank Scenario

Joseph K. Ukwayi, Eja E. Eja, Felix E. Ojong, Judith E. Otu


In recent times the federal mortgage bank spite of it role in housing delivery has recorded little or no success which is the major concern of this paper to critically assess the extent to which the federal mortgage bank has recorded success in housing delivery in Nigeria. Information on the extent of housing delivery was obtained from federal ministry of statistic and federal mortgage banks. However, findings indicate that in 2002 to 2005, the mortgage finance bank was able to mobilized N19.175 billion compared to 1992 to 2002 with a value of N11.451 billion showing a growth rate of 82%. It was discovered that the bank granted loan value of N4.531 billion to 4,151 national housing fund to contributors to either build or renovate their houses. Nevertheless, the mortgage finance bank has recorded little or no success but has appreciably improved in terms of fund mobilization which has aided increase in housing delivery in Nigeria.

Key words: Housing delivery; Mortgage bank; Finance; Nigeria; Government


Housing delivery; Mortgage bank; Finance; Nigeria; Government


Abd Aziz, W. N. A. Hani, N. R., & Musa, Z. N. (2007). Public-Private Partnerships Approach: A Success Story in Achieving Democracy in the Home None Ship for Urban Inhabitant in Koala Lumpur Malaysia. Reviewed Paper, Vienna Corp 007 Proceedings. Retrieved on 15 February, 2000 from relaunch/papers txt suche/corp2007-ABD.Polf

Ademiluyi, A. I., & Raji, B. A. (2008). Public and Private Developers as Agents in Urban Housing Delivery in Sub-Saharan Africa: The Situation in Lagos State. Humanity and Social Sciences Journal, 3(2), 143-150.

Akinmoladun, O. I., & Oluwoye, J. (2007). As Assessment of Why the Problems of Housing Shortages Persist in Developing Shortages Persist in Developing Countries: A Case of Study of Lagos Metropolis, Nigeria. Pakistan Journal of Social Science, 4(4), 589-598.

Akinola, S. R. (2007). Coping with Infrastructural Deprivation Through Collective Action Among Rural People in Nigeria. Nordic Journal of African Studies, 16(1), 30-46.

Alkali, J. L. S. (2005). Planning Sustainable Growth in Nigeria: Challenges and Strategies. Paper presented at the Conference on Planning Sustainable Architecture, Held at the ECOSOC Chambers, United Nations Headquarters. New York On 6th June, 2005. Retrieved on 17th July 2007 from

Aribigbola, A. (2008). Housing Policy Formulation in Developing Countries: Evidences of Programme Implementation from Akure, Ondo State, Nigeria. Journal of Human Ecology, 23(2), 125-134.

Baud, I., & Post, J. (2006). Between Market and Partnerships Urban Solid Waste Management and Contributions to Sustainable Development. Global Built Environment Review, 3(1), 46-65.

Federal Republic of Nigeria (1991). National Policy Lagos: Federal Government Press (2007). Official Gazette on the Breakdown of the National and State Provisional Total, 2006 Census (S.I.No.23 of 2007.24(94). Lagos (15.05.2007)).

Hammana, M., Rushashyankike, J., & Yehouse, A. (2006). Determinants of Public-Private Participation in Infrastructure. IMF Working Paper (Online). Retrieved on 3 April, 2000 from

Hepburn, G., Pucar, M., & Shields, D. (1997). Private Investment in Urban Roads. Industrial Commission Staff Paper. Canberra: Australian Government Publishing Service.

Iyagba, R., & Asunmo, B. (1997). Housing Crises in Nigeria’s Urban Areas -- A Challenge to the Construction Industry and Technology. Lagos Journal of Environmental Studies, (1), 39-47.

Kickert, W., Klijn, E. H., & Kopperinjan, J. (1997). Managing Complex Networks: Strategies for the Public Sector. London: Sage Publication.

Klijn, E., & Teisman, G. R. (2002). Institutional and Strategic Barriers to Public Private Partnerships: A of Dutch Cases. Money and Management, 23(3), 137-146.

Kumar, A. (2004). Partnerships for Infrastructure Development in India. Global Business Review, 5(73), 73-96.

Lovin, B. K. (1999). Learning Partnerships Advances in Developing Human Resource, 1(3), 22-32. Retrieved on 28 November, 2008 from

Madu, E.N., & Umebali, E. (1993). Self-Help Approach to Rural Transformation in Nigeria. Community Development Journal, 28(2), 141-153.

Miraftab, E. (2004). Public-Private Partnerships. Trojan Horse of Neoliberal Development. Journal of Planning Education and Research, 24(1), 89-101.

Osaghae, E. E. (1998). Home Town Associations as Shadow State: The Case of Igbos and Yoruba in Kano. In R. Honey & S. Okafor (Eds.), Hometown Associations (pp. 111-121). London Intermediate Technology Publications.

Oxford Policy Management (2004). DFID Rural and Urban Development: Case Study Nigeria. United Kingdom, Department of International Development.

Sule, R. (2006). Thematic Issues of Urban and Regional Development. Planning in Nigeria. Thumbprints International Company, Calabar, Nigeria.

Tamamofo, R. (2007). Multi-Level Governance and Public-Private Partnerships. Theoretical Basis and Public Management Interdisciplinary Information Science, 13(1), 65-88. Retrieved on 3 April, 2008 from

United Nations Centre for Human Settlement. (UNCHS) (1996). An Urbanizing World: Global Reports on Human Settlement. Oxford: Oxford University Press.

United Nations Population Funds. (UNFPA) (2007). State of the World Population 2007. New York. The United Nations. Retrieved on 28 November, 2008 from

UN-HABITAT (2006a). Shelter for All: The Potential of Housing Policy in the Implementation of the Habitat Agenda. Nairobi: UN-HABITAT Information Services. Retrieved on 20 February, 2007 from http//

UN-HABITAT (2006b). Public-Private Partnerships in Enabling Shelter Strategies. Nairobi: United Nations HABITAT Information Services. Retrieved on 20 February 2007 from

UN-HABITAT (2006c). National Trends in Housing Production Practices (Vol. 4), Nigeria. Nairobi: United Nation. HABITAT Information Services. Retrieved On 20 February, 2007 from http//



  • There are currently no refbacks.

Copyright (c)

Share us to:   


  • How to do online submission to another Journal?
  • If you have already registered in Journal A, then how can you submit another article to Journal B? It takes two steps to make it happen:

1. Register yourself in Journal B as an Author

  • Find the journal you want to submit to in CATEGORIES, click on “VIEW JOURNAL”, “Online Submissions”, “GO TO LOGIN” and “Edit My Profile”. Check “Author” on the “Edit Profile” page, then “Save”.

2. Submission

Submit an Article

  • Go to “User Home”, and click on “Author” under the name of Journal B. You may start a New Submission by clicking on “CLICK HERE”.
  • We only use three mailboxes as follows to deal with issues about paper acceptance, payment and submission of electronic versions of our journals to databases:;;

 Articles published in Canadian Social Science are licensed under Creative Commons Attribution 4.0 (CC-BY).


Address: 1055 Rue Lucien-L'Allier, Unit #772, Montreal, QC H3G 3C4, Canada.

Website: Http:// Http://,

Copyright © Canadian Academy of Oriental and Occidental Culture