Appraisal of the housing delivery mandate of selected government agencies in Nigeria

Abstract

In spite the concerted efforts made by housing stakeholders in formulating and implementing the 2012 National Housing Policy to bridge the gap between housing demand and supply, the housing situation remains in crisis and hampering on existing policies, sustainable housing delivery with consequent socio-economic, environmental, and political implications. These challenges call for an appraisal of the 2012 National housing policy towards identifying effective mechanism for the policy’s implementation. This paper assessed the roles of the housing policy’s implementing agencies (Federal Housing Authority and Federal Mortgage Bank of Nigeria), identify the challenges faced by the agencies and provide strategies for effective implementation of the National housing policy in Nigeria. In conducting this study, a mixed methods approach was adopted. The study identified the roles played by the designated agencies towards ensuring effective implementation of the National housing policy to include facilitating the development and management of real estate across all states, provision of sites and services for all income groups. Some of the major challenges found to be affecting the provision of adequate housing include increasing cost of procuring land and building materials, poorly developed mortgage finance system and high interest rates on mortgages and cumbersome building plans approvals processes. Though the agencies made concerted efforts in living up to their responsibilities, the efforts are not enough as housing deficit continues to increase. It is therefore suggested that all the tiers of government should ensure the provision of adequate infrastructure and appropriate land titles for both implementing agencies and private firms, create enabling environment for private sector participation in long-term housing finance and encourage the use of indigenous and alternative building materials to reduce construction cost.