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Housing & Urban Development (FMHUD)
Federal Republic of Nigeria
Welcome To Federal Ministry Of Housing And Urban Development.
Minister Federal Ministry Of Housing And Urban Development Arc. Ahmed Musa Dangiwa.
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Inspection Tour Of Houses For The National Housing Scheme.
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Jul
06
2025

LATEST PRESS


Housing Ministry Director Showcases Innovations for Housing Construction 

 

* minister applauds effort, encourages further research, comparison for possible modification, improvement.

 

* requests comprehensive report on how to use bricks construction for Social Housing Programme.

 

Arc. Ibechile Christopher Egwudale, the Director and Head of Department of Federal Public Assets Maintenance (FPAM), in the Housing Ministry, has showcased a variety of inventions/ machines that will bring about cost effectiveness in housing construction.

 

Egwudale made the presentation to the Honourable Minister,  Arc. Ahmed Musa Dangiwa and the management staff of the Ministry, led by the Permanent Secretary, Dr. Shuaib Belgore, explaining that, the innovations will minimize construction cost for affordable housing.

 

The innovative machines include both manual and semi-automated models, designed for scalability, ease of use, and durability.

 

Among the notable machines were; a wide range of construction and agro-processing equipment such as interlocking Compressed Earth Block (CEB) machines (both manual and automated), pulverizing and sifting machines, compacting and hoisting devices, sandcrete mixers, mini-tractors, ogbono seed cutters, and food processing machines like the hammer mill, de-stoner, and mixers. 

 

 "This innovation supports the use of locally sourced materials, reducing dependence on expensive imported products and minimizing construction cost especially for affordable housing" he stated. 
 

He further explained that, the idea behind the development is to create a cost-effective, eco-friendly, and efficient alternative to conventional building materials by utilizing Compressed Earth Block (CEB) technology.

 

"Their application in the housing sector will not only promote sustainable construction practices but also generate local employment, empower artisans, and accelerate project delivery timelines across rural and urban areas", he  remarked.

 

In his remarks, the Minister applauded the effort of the Director for bringing innovative ideas in designing different machines for bricks housing construction. 

 

While encouraging the Director to carry out further research and make comparison to see areas of modification and improvement, Dangiwa also requested him to come up with extensive and comprehensive report on how to use bricks construction for Social Housing Programme.

 

On his part, the Permanent Secretary, Dr Belgore applauded the efforts of the Director for coming up with the innovative ideas, and encouraged him to continue to strive towards achieving the desired objectives to get affordable social housing. He requested him to bring up the designs of the bricks housing units to the ministry for assessment.

 

Arc. Egwudale, a member of the Nigerian Institute of Architects and a Fellow of the Chartered Institute of Project Managers of Nigeria, had a specialized training in Compressed Earth Block (CEB) Technology in South Africa.

 

Since joining the Federal Civil Service, he has distinguished himself through innovative design and technological advancement. He has championed several high-impact projects and won multiple design competitions within the Ministry.

 

He notably designed and produced four machines for the Nigerian Building and Road Research Institute (NBRRI), and has won the Best New Entrant Award at Archi-Built Exhibition where he attracted the highest visitor traffic to his stand.

 

Egwudale has participated in numerous exhibitions, including the Abuja Housing Show, and the Science and Technology Expositions where he showcased a variety of inventions including a go-kart (buggy) and various machines. 

 

Nov
18
2024

Meet the Press: Housing Minister Outlines Milestone Achievements Under Renewed Hope Agenda * Says President Tinubu's Transformative leadership enables ministry's focus on implementation  Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa, has  proudly outlined the ministry's remarkable achievements, transformative programs, and impactful reforms undertaken in alignment with the Renewed Hope Agenda, spearheaded by His Excellency, President Bola Ahmed Tinubu, GCFR. The Minister gave this outline when he made his presentation at a media  parley tagged "Meet the Press," which held at Nigeria's State House in Abuja on Sunday, 17th November, 2024. Commending President Tinubu's transformative leadership for demerging the ministry from the Federal Ministry of Works, Dangiwa said the move has enabled the ministry to focus its efforts on implementing the Renewed Hope Agenda in the housing sector. Furthermore, he stated that   the vision President Tinubu has for the housing ministry was that of prioritizing  housing as a vital element for improving the lives of Nigerians, creating jobs, and boosting economic growth.  Dangiwa informed that the  Ministry has embarked on various initiatives to address the housing deficit in Nigeria, which includes: Increasing Housing Supply. He emphasised that the  Ministry was  committed  to closing the national housing gap through the construction of 10,112 housing units via the Renewed Hope Cities and Estates Program, with 14 active sites across the nation.     He explained  that under the Renewed Hope Estates, twelve estates are currently under construction, with each comprising 250 housing units in 12 states, totaling approximately 3,000 units while for the Renewed Hope Cities,  major urban projects are underway in the Federal Capital Territory (FCT) with 3,112 units, and additional developments in Kano and Lagos, among other states. Speaking on Job Creation and economic impact  of construction in the housing sector, particularly, the Renewed Hope Housing Project, the Minister noted that over 252,800 jobs have directly been created for Nigerians, significantly contributing to the nation’s economic landscape, affirming  skilled and unskilled workers are benefitting from robust employment opportunities, earning significantly above the national minimum wage. "At an average daily wage of ₦5,000, many workers are earning over ₦150,000 monthly, which is far above the national minimum wage," he said. Dangiwa, while informing  Nigerians  of the flexibility and seamlessness of applying for houses under the  Renewed Hope Cities and Estates, introduced the Renewed Hope  Online Housing Delivery Portal;www.renewedhopehomes.fmhud.gov.ng,  explaining it is a user-friendly platform  that has empowered over 47,605 Nigerians to explore, apply, and track their housing applications online, streamlining the homeownership process.  On options of home ownership available to interested buyers,  the Minister explained that  the  Ministry has introduced various affordable homeownership options through the National Housing Fund (NHF) and the Federal Mortgage Bank’s Rent-to-Own scheme, allowing many Nigerians access to affordable housing, Outright purchase for Nigerians who afford to pay upfront and Installmental  payment option with upto four instalments allowable for convenience.   "I want to use this medium to appeal to Nigerians in both formal and informal employment to join the National Housing Fund (NHF) Scheme to enable them benefit from this affordable homeownership options from the Federal Mortgage Bank of Nigeria. They are the best in the market, "  He said.  To enable the ministry churn out affordable housing , Dangiwa informed Nigerians the ministry has opted  budgetary provisions, Public-Private Partnerships (PPPs), and international collaborations to diversify funding for housing projects, ensuring low and middle-income earners can access housing options. He said, " We are funding the 12 Renewed Hope Estates from the ₦50 billion 2023 Supplementary Budget. We also have an additional ₦27.2 billion allocated in the 2024 budget to complete their infrastructure fully while awaiting 2025 budget to expand the programme to cover more of the remaining states." Minister expressed that the ministry is committed to fulfilling the Renewed Hope Agenda by  ensuring every Nigerian has access to affordable and dignified housing. "Our efforts are not just about building houses; we are building a brighter future for generations to come," he added.  In addition, the Minister said that under the Public-Private Partnerships  arrangement,  the  ministry is constructing  3 Renewed Hope Cities in FCT, Lagos and Kano  and are being funded through a PPP that the Ministry signed with a consortium of developers for the delivery of 100,000 housing units nationwide.  "Under this strategy, the developers source land and construction finance while the government creates an enabling environment for them to deliver housing. So far, the Ministry has facilitated a N100billion Bankable Offtaker Guarantee by the Federal Mortgage Bank of Nigeria (FMBN) for the Karsana Renewed Hope City,"  the Minister noted. However, unlike housing  construction funded through the budgetary allocation which are  relatively cheap,  the PPP arrangement are usually costlier and cater for high and middle income earners because developers get their loan in double digits. "For example, a one-bedroom apartment at the Renewed Hope City in Karsana, built under a PPP model, costs about N22 million, whereas a similar unit under the Renewed Hope Estates, funded through budgetary allocations, costs approximately N8–9 million,"  Dangiwa maintained.  Accordingly, other sources of funding strategy include   collaborations with reputable organisations such as Shelter Afrique Development Bank (ShafDB) for the financing of 5,000 housing units under phase one, representing an estimated investment of ₦50 billion.  The Minister informed the partnership was the first time the Ministry was  directly leveraging housing finance from ShafDB,.a Pan African institution where it is currently the largest shareholder, noting  ShafDB housing finance collaboration is also another Renewed Hope First that being  recorded at the Ministry. Similarly, Dangiwa mentioned that progress is being made in the National Social Housing in the establishment of fund to ensure that all Nigerians, regardless of income, have access to decent housing, noting, saying, aside from the budgetary funding, the ministry is engaging with  philantrophic organizations, Corporate Social Responsibility and voluntary donations from Nigerians.  " We also have some willing and capable potential investors in the NSHF who are working to meet the requirements of the Infrastructure Concessionary and Regulatory Commission (ICRC),"  the Minister remarked. As part of efforts to ensure effective Land Administration and not oblivion to  the crucial role of land governance, the  Minister disclosed that the Ministry has launched initiatives to improve land administration, including fair compensation frameworks and the National Land Registration Program. Also mentioned by the Minister was the plan to establish Building Materials Manufacturing Hubs aimed at reducing construction costs and stimulating job creation. He added that the ministry is in partnership with World Bank to develop National Digital Land System to ensure seamless land titling and registration across the country.  While emphasising President Tinubu's unwavering commitment to transforming the country's housing landscape, he noted that the ministry has achieved significant milestones within 14 months of its existence as a standalone ministry,  ensuring that housing and urban development receive the priority they rightly deserve. The Minister  later  extended invitation to all Nigerians and stakeholders to join in the effort towards a more prosperous Nigeria by participating in the National Housing Fund and exploring the available affordable housing options. ...

Nov
14
2024

National Urban Development Policy to Transform Nigerian Cities into Sustainable, Resilient '15-Minute Cities' - Dangiwa   -    Calls for Annual National Urban Forum -    Says New Urban Agenda to Promote Public Health, Tackle Climate Change   Gombe, November 14, 2024 - The Hon. Minister of Housing and Urban Development, Arc. Ahmed Musa Dangiwa has said that the National Urban Development Policy (NUDP) when introduced will transform Nigerian Cities into sustainable, resilient, '15-minute Cities'.   Delivering the keynote address at the 13th meeting of the National Council on Lands, Housing, and Urban Development holding in Gombe, the Minister said rapid urbanisation which will see the nation's population rise to 70% by 2050 has made effective planning through innovative and sustained policies a priority.   Noting that the NUDP is currently awaiting approval by the Federal Executive Council, he said such a policy is necessary for Nigeria's sustainable future as it can promote public health, mitigate climate change, and create a safe, resilient, and progressive ecosystem for all to thrive.   "The NUDP's vision is clear: to transform Nigeria’s cities into well-functioning, prosperous, resilient, secure, and livable spaces for all. Achieving this vision demands a 'Business Unusual' approach, one that replaces 'Urban Pessimism' with 'Urban Optimism.' This means embracing high-density urban development over sprawl, safeguarding agricultural land and resources, and adopting integrated, evidence-based urban policies.   "The NUDP also promotes a 'Healthy Cities' concept, integrating environmental health with secure, resilient urban spaces. This involves essential services like waste management, water, sanitation, and local public health systems. As the recent pandemic has shown, resilience in city design is critical for public health and community well-being. Models like the '15-minute city'— where essential services are within walking distance— offer accessible, self-sufficient neighborhoods that promote health and connectivity," he said.   Dangiwa emphasised that the need for an Urban Policy is long overdue considering the fast pace at which the nation's Urban population is increasing. He, therefore, called for an Annual National Urban Forum, which he says was part of the resolutions reached at the recently concluded World Urban Forum in Egypt.   "We must grasp the scale of our urban growth and the profound challenges it brings. Nigeria’s urban population is expanding rapidly, driven by an annual growth rate of 4.1%. From just 9.4% in 1950, our urban population now exceeds 52%, with projections indicating a rise to 70% by 2050. By then, Nigeria will likely be the world’s third most populous country, with over 400 million people."   According to him, Nigeria has eight cities with a population above 1 million people each, and another 81 Cities each with a population ranging from 100,000 to one million, and yet with 58.8% of these urban dwellers living in Slum conditions. He added that the goal of the NUDP is to provide a framework that guides long-term, sustainable urban growth, addressing not only housing and infrastructure needs but also creating the foundation for economically vibrant, climate-resilient, and inclusive cities.   Explaining the nexus between effective urban planning, public health, and climate change, Dangiwa said proper planning will ensure better sanitation, disease control and containment, quicker access to health facilities, as well as smart city designs which support climate action.   "NUDP also prioritizes climate responsiveness. Climate change poses a severe threat, with impacts like drought, flooding, and extreme weather intensifying. Without adaptation, climate change could cost Nigeria between 6% and 30% of its GDP by 2050. Therefore, urban planning is a frontline defense in building climate resilience and economic security," he observed. The Minister called on the Federal, State, and Local Governments to embark on urgent collective action towards the implementation of the policy when it comes on stream, noting that while massive housing construction and new cities development are urgent priorities at this time, they must be done alongside effective urban planning.   He commended the efforts of President Bola Ahmed Tinubu over the last one year, especially in the area of Housing development, noting that the ministry has more houses under construction in one year than it built in the previous eight years put together. He also said the ministry's strategy of embracing Public Private Partnerships (PPPs) is crucial to that success, but admitted that the country is still only scratching the surface compared to its housing requirements.   "We recently returned from the 12th World Urban Forum in Cairo, Egypt. What we observed there was inspiring and should motivate us as a nation to do more. The Egyptian government is constructing a New Cairo City, an urban development estimated at 500 billion Egyptian Pounds (around $10.6 billion). This includes massive housing, road construction, shopping malls, rail systems, and more.   "While part of the funding comes from entities like the World Bank and IFC, a significant portion is government-sourced through the Administrative Capital for Urban Development (ACUD), the overseeing authority. We also met with India’s Housing Minister, who shared that India has built over 1 million housing units entirely through government funding.   "We noted similar large-scale, government-funded housing efforts in South Africa and other African nations. The message is clear: while we will continue to drive PPPs, our government needs to do more to finance affordable and social housing for our citizens," he added.   He called on governments at all levels to invest more in housing provision as this was the only way to make housing delivery affordable for low- and middle-income earners, who form the majority of the nation's population.   ...

Nov
14
2024

FG Partners World Bank To Develop National Land Digital System   * initiative will increase investor confidence, unlock untapped economic potentials related to land property   The Federal government of Nigeria is set to partner with the World Bank to modernize land administration in Nigeria, by developing a National Land Digital System (NLDS) for the optimization of land transactions, that would enable transparency, efficiency and accessibility.   Minister of Housing and Urban Development, Arc Ahmed Musa Dangiwa made the revelation for the partnership in his remarks during the meeting with States Commissioners responsible for lands and housing matters at the13th National Council on Housing, Lands and Urban Development in Gombe, Gombe State.   Dangiwa said that the digital initiative will solve the long standing challenges currently faced in land registration, as well as boost economic activity and enhance property rights protection, with a goal of increasing formal land transactions from less than 10% to over 50% within a decade.   According to the Minister, the pivotal decision will tackle the challenges obstructing effective and efficient land registration in the country, adding that both parties were finalizing the operational framework and investment commitment for the initiative.    Explaining further, Dangiwa said the system will serve as a comprehensive, accessible digital registry, enabling Nigerians to verify land ownership securely and efficiently; further affirming that by enhancing transparency and reducing fraud, the NDLS will increase investor confidence and unlock up to $300 billion in untapped economic potentials related to land and property.   He also informed participants at the Council meeting of the Federal Government’s readiness to work with State Governments to register, document, and title all land parcels, clarifying and securing land ownership to unlock development and investment.   "Currently, over 90% of the country’s land remains unregistered, representing an estimated $300 billion in untapped capital," he said.   Outlining the significance of effective land administration as regards to Nigeria's  economic growth and development, Dangiwa noted that by ensuring clarity, security, and accessibility in land ownership and transactions, the country is laying  foundation for increased investment, both domestic and international.   He emphasized that transparent land administration would enhance property rights, reduce conflicts, and encourage sustainable land use practices, which together foster a stable environment for economic activities.   On rapid urbanization in Nigeria, the Minister explained that steps to address the issue has been outlined in the National Urban Development Policy (NUDP) waiting approval by the Federal Executive Council (FEC), adding that the policy is designed to create resilient, inclusive, and climate-smart cities across Nigeria.     Dangiwa informed participants that Africa  now has an Africa Urban Forum, which was recently held this year in Addis Ababa, noting that all African Member Countries, including Nigeria at the forum, agreed to organize an Annual National Urban Forum in the declaration.    He emphasised on the importance of collaboration among federal, states and local government, to transform urban spaces for the benefit of Nigerians, directing delegates to begin the process of domesticating Africa Urban Forum in Nigeria by organising Annual National Urban Forum in line with the Addis Ababa  declaration, where leaders and  professionals in the housing sector will meet to discuss Nigeria’s Urban Agenda for Nigeria.   "Our goal is to provide a framework that guides long term sustainable growth, addressing not only housing and infrastructure needs but also creating the foundation for economically vibrant, climate-resilient, and inclusive cities," he remarked.   On tackling Nigeria’s massive housing deposit, Dangiwa said that the Ministry is advancing the construction of over 10,000 housing units across 14 locations nationwide, highlighting the role of Public-Private Partnerships (PPPs) in accelerating housing delivery, especially for middle- and high-income earners.   "We have also acquired land in Enugu and Borno for the development of 2,000-unit Renewed Hope Cities under a PPP arrangement. Planned locations for additional cities include Nasarawa and Rivers States with 2000 units each, respectively.  “Our goal is to establish at least one Renewed Hope City in each geo-political zone and the FCT”, Dangiwa revealed.   While focusing on the government’s efforts to provide affordable housing for the low-income Nigerians, the Minister urged all Commissioners to encourage their state and local governments to allocate a substantial portion of their revenues to affordable housing delivery, pointing out that PPPs alone cannot deliver affordable housing for the majority of Nigerians, given that the high costs of private-sector construction financing drive up prices as developers  payment of loan is double digit.   Dangiwa also affirmed that the Ministry, in  collaboration with the World Bank, has introduced a new compensation framework for individuals affected by land acquisition. This updated system according to the Minister, addresses the 18-year gap in compensation policy, ensuring fair and equitable recompense for those impacted by infrastructure and housing development projects.   He sited some examples under the revised rates for matured trees in the North Central Zone as follows; i. Cashew which increased from N2,000 per matured stand to N45,000 and N5.5M for a hectare, ii. Mango increased from N4,000 per matured stand to N105,000 and N13M per hectare and iii. Cocoa which also increased from N3,000 per matured stand to N160,000 and N160M per hectare.   In his address, the Executive Governor of Gombe State, Alhaji Muhammadu Inuwa Yahaya, urged Council to come up with policies that could make  mortgage options more accessible, promote eco-friendly local materials, and create incentives for private investment if Nigeria must make advances in sustainable development, adding that streamlining land administration processes and continuous innovation in construction materials as well as techniques were essential to realizing a shared vision of affordable housing for all Nigerians.   Governor Yahaya also emphasized on actionable plans towards achieving president Bola Ahmed Tinubu's Renewed Hope Cities and Estate for all citizens, reminding participants that all deliberations at the council should be backed up with actions.   In a goodwill message, the Chairman, House Committee on Urban Development and Regional Planning, Hon. Abiante Awaji, drew the attention of participants to how rapid urbanization is transforming Nigerian cities, urging them to consider adopting climate-resilient designs and structures that protect Nigerian citizens.   Hon. Awaji added that Climate-resilient urban development safeguards people and their investment by incorporating sustainable building materials, energy -efficient designs, and green spaces that manage heat and promote biodiversity.   Minister of Housing and Urban Development is the Chairman of the Council of the 36 States' Commissioners responsible for lands and housing matters in Nigeria    ...

First First First

SPEECHES


Dec
02
2023

KEYNOTE ADDRESS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT AT THE 20TH EDITION OF MORTGAGE BANKING SUB-SECTOR CEO’S ANNUAL RETREAT AT THE TRANSCORP HILTON, ABUJA, ON SATURDAY, 2ND DECEMBER 2023

 

Protocols
1.    First, I would like to commend the leadership of the Mortgage Banking Association of Nigeria (MBAN) for sustaining this Annual CEO Retreat.
2.    Each year this Retreat provides a platform for CEOs of Mortgage Banks, Mortgage Brokerage Companies, Statutory Regulatory Bodies, Federal and State Governments/Policy Makers and other housing industry stakeholders to gather, network, share experiences, discuss sector challenges to produce clear recommendations that border on effective housing delivery in the country.
3.    These Retreats are important because they help in the cross pollination of industry experiences, ideas, and knowledge critical to sharpening government policy on sustainable housing delivery in our dear country.
4.    This 2023 edition is the 20th in the series, and I am happy to be here to address you for the first time as the Minister of Housing and Urban Development.
5.    However, I am pained to note that the same problems that have been militating against the growth of housing finance, mortgage adoption and housing delivery in this country and have been the points of discussion at every one of the previous 19 editions are the same ones that still plague the sector today.  
6.    While preparing for this Keynote Address, I recalled a paper titled “Mortgage Banking/Housing Finance Sector in Nigeria: Past, Present and Future” presented by the former MBAN Executive Secretary, Mr. Kayode Omotosho in 2011 – 12 years ago. That was years before I became the MD/CEO of FMBN in 2017 and began attending these Retreats.
7.    In the paper he listed the following as the major constraints bedeviling the industry and I quote:
•    Affordability gap in home ownership
•    Dearth of long-Term Funds
•    Critical Need for Enhanced Capital and Resource Base of Primary Mortgage Institutions (PMIs) and the Federal Mortgage Bank of Nigeria (FMBN)
•    Difficulty in accessing Land and secure title to Land due to the shortcomings in the provision and implementation of the Land Use Act of 1978.
•    Inadequate Legal Framework
•    Inadequate Housing Infrastructure
•    Inadequate incentives, concessions and taxes and non-availability of insurance Framework
•    Insufficient production and high cost of building materials as well as inadequate skilled labour.
•    The critical need to significantly grow the contribution of the entire Mortgage Banking/ Housing Finance Sector to the Nation’s Gross Domestic Product (GDP) which was put at 0.38%, compared to other Countries such as South Africa and Malaysia with an average rate of 40%.
Mr. Kayode in that paper went on to list the following key success factors. First was expedited action to review mortgage related laws. This includes:
•    The Land Use Act 1978
•    The National Housing Fund Act 1992
•    The Mortgage Institutions Act 1989
•    The Federal Mortgage Bank of Nigeria Act 1993
•    The Trustee Investments Act 1962
•    The Nigeria Social Insurance Trust Act 1993
•    The Insurance Act 2002
•    The Investments and Securities Act 1999
•    The Federal Housing Authority Act 1990
•    Securitization Bill
•    Foreclosure Laws Bill (Residential Mortgages Act & Residential Mortgages (Incentives) Act
•    Others included the need to reduce cost of title perfection, improving access to long-term funds, computerization of land registry offices, capitalization of Primary Mortgage Banks (PMBs) and the Federal Mortgage Bank of Nigeria (FMBN).

8.    Now, fast forward to 2023, and you will agree with me that not much has changed. Most of these problems are still with us. The National Housing Strategy Report developed in collaboration with FMDQs and launched by the previous administration cited just about the same problems. The report lists land, infrastructure deficit, high housing construction cost, household demand (which means the ability to pay and willingness to pay), and lack of affordable housing financing options.

9.    It is therefore against the backdrop of these recurring conversations and growing industry challenges that the theme for this year’s Retreat “Advancing Sustainable and Affordable Housing in Nigeria: Navigating Macro-Economic, Legislative, and Policy Frontiers” is so apt.

10.    This is because the theme emphasizes the need for all players to find ways to NAVIGATE the macro, legal and policy bottlenecks. This speaks to the need for innovation. It speaks to the need for creativity. And it speaks to the need for effective leadership at every point in the value chain. This is because leaders are supposed to make progress despite challenges. Leaders are supposed to navigate the complexities of situations to make progress.

11.    I make bold to say that even in the midst of these persistent challenges, it is possible to make progress. As the MD/CEO of the Federal Mortgage Bank of Nigeria, we were able to innovate despite challenges to post results in five years that surpassed the 25-years before we came on board.

12.    I am well aware that the cost of funds is a major macro-economic issue that has made the interest rate on commercial mortgages so high, thereby affecting affordability. This is an issue that reflects the state of the national economy and I want to assure you that the Renewed Hope Vision of His Excellency, President Bola Ahmed Tinubu, GCFR is particular about growing the economy and creating a more friendly environment that would support the growth of the sector.

13.    So, while the government works to fix this macro-economic challenge, I still believe that as CEOs of mortgage banks, you can still find creative ways to develop innovative mortgage products that are responsive to the current state of Nigeria’s economic situation. This includes adopting rent to own mortgage options, flexible monthly mortgage loan repayments to make commercial loans more affordable.

14.    I note with concern that the Capital Market has not been maximally tapped to raise long term funds to refinance mortgage loans and to explore more creative ways to make mortgages more affordable even as we work to fix the larger macro-economic problems. As leaders, we must not only see provision of housing and home loans from a business and profit motive, but also see expanding access to affordable mortgages as a moral imperative. So, we must do all we can even in these difficult times to ensure that not only the elites, but Nigerians within the low- and medium-income segments have access to affordable mortgages.
15.    On the government side, the message that I bring from His Excellency, President Bola Ahmed Tinubu, GCFR, is that he is ready to break the jinx of macro-economic, legislative and policy issues that have held down the growth of effective housing delivery in our country. He is ready to work with all stakeholders including MBAN to implement a holistic housing reform program to chart a new, progressive, and innovative path forward for the mortgage sector.
16.    Under the Renewed Hope Agenda of Mr. President, our goal is to ensure that as years go by, we are systematically tackling all these persistent issues and consigning them into the annals of history so that we can ensure increased access to affordable housing for Nigerians.
17.    As the Minister of Housing and Urban Development we aim to implement the most historic housing sector reforms the country has ever witnessed.
18.    A notable part is the implementation of comprehensive land reforms towards streamlining land administration and ensuring easy, cost effective and efficient access to land in our country.
19.    We have composed and secured Presidential consent to inaugurate a land reforms team comprising state governments, traditional rulers, relevant agencies, professional bodies, academia, industry experts to ensure buy-in and inclusivity.
20.    With their recommendations we will draft an Executive Bill and proceed to the National Assembly for the amendment of the obsolete Land Use Act 1978 that has hindered the development of the housing sector.
21.    In line with our policy of building on existing knowledge so we can move at a faster pace to deliver value, we recently invited and met with the Presidential Technical Committee on Land Reforms. And I must say that it was a wise decision to do so. This is because we now have access to the comprehensive work, they have done over the past 14 years on Land Reforms in our country. Immediately after the meeting we set up an Internal Ministerial Committee to review and recommend for inclusion in our land reforms strategy relevant parts of their recommendations. Part of this will be the establishment of the National Land Commission to spell out the guidelines and regulations for operationalizing the Land Use Act, 1978.
22.    Currently, we have a situation where the Land Use Act was enacted but there was no complementary institution set up alongside it to provide the necessary framework, guidelines, and regulations for operationalizing it.
23.    This will improve land titling and boost Nigeria’s ranking on the World Bank Ease of Doing Business where we currently rank 186th out of 190 countries.
24.    The second related reform is the nationwide adoption of the Model Mortgage Foreclosure Law. The law is a housing industry stakeholder initiative that is focused on establishing an enabling environment for investment in real estate and the growth of mortgages. It provides contemporary provisions on the creation, registration, and enforcement. I must recognize and commend the critical role that MBAN has played in this regard.
25.    As of date, the Model Mortgage Foreclosure Law (MMFL) has been passed in only four (4) States, including Lagos, Kaduna, Ekiti, and Nasarawa States. We aim to drive its passage in all the states of the federation as part of the efforts to ensure that investments in the housing and mortgage sector are protected.
26.    We have also composed and secured presidential consent to inaugurate a Housing Institutions’ Reform Team comprising relevant agencies of Government, Professional/Regulatory Bodies, Academia, and Industry Experts to review some aspects of the existing laws listed below to align them with contemporary realities.
•    The Land Use Act, 1978.
•    National Housing Fund (NHF) Act, 1992.
•    Federal Mortgage Bank of Nigeria (FMBN) Establishment Act, 1993.
•    Federal Housing Authority (FHA) Act 1973.
•    PenCom Act (to allow for increased investment in housing development); and
27.    I am happy to say MBAN has been included in the membership of our Reform Teams.
28.    The reforms and legislative amendments that the Housing Institution’s Reform Team will execute in collaboration with stakeholders and the National Assembly will be the most comprehensive set ever done in the history of Housing and Urban Development in Nigeria.
29.    We are also working to boost building materials manufacturing in the country. This will ensure economic growth, create jobs, and reduce dependency on imports. On this too, we have composed a Building Materials Manufacturing Task Team comprising of experts and representatives from relevant government agencies, academia, professional bodies, and industry experts. They will conduct a thorough assessment of the current state of the building materials manufacturing sector and produce a strategic reform plan for implementation.  
30.    To increase the stock of housing supply, we have also composed and will inaugurate a Multi-Agency Project Delivery Team. The Team will ensure that all housing agencies work together towards optimizing their capacities to deliver decent and affordable housing to Nigerians. It comprises highly qualified and experienced professionals with expertise in housing development, urban planning, infrastructure, finance, and project management.
31.    Our Renewed Hope Cities and Estates Program seeks to deliver 40,000 housing units ranging from 1,000 housing units per site in one location in each of the six geo-political zones of the country and FCT namely: Abuja, Lagos, Kano, Borno, Nasarawa, Rivers, and Enugu States. House types will include Multi-Level Flats to cater to low-medium income earners, Terrace and Detached Bungalows and Duplexes for the high-income earners. We will also have Renewed Hope Estates of 500 housing units per site in each of the remaining thirty (30) States. House Types include 1,2- and 3-bedroom affordable units.
32.    The projects will be financed by the Federal Ministry of Housing and Urban Development’s budgetary allocation, the Federal Mortgage Bank of Nigeria (FMBN), and majorly through Public Private Partnerships with reputable developers. Ownership Options include Mortgage Loans, Rent-to-Own and Outright Purchase.
33.    We are also working to comprehensively upgrade our slums and embark on urban renewal. Under Phase 1 of the Slum Upgrading Programme, the Ministry plans a total of 26 sites nationwide. This includes four (4) sites in each of the six regions of the country totaling twenty-four (24) and two (2) in the FCT. The key services to be provided at the identified sites will include water supply, solar streetlights, rehabilitation of access roads, construction of drainages and waste management and sanitation services amongst others.
34.    It is important for me state that MBAN will be part of the offtake solution for these housing units at two levels. One as partner banks to the FMBN as retail outlets for NHF loans and as a partner to explore other commercial mortgage financing options especially through the capital market.

35.    Like I said earlier, as the Minister of Housing and Urban Development, I will continue to work closely with MBAN towards ensuring that all the issues that affect the development of the sector receive the highest consideration and treatment. I look forward to receiving the communique on the important resolutions and recommendations from this Annual Retreat for review and possible inclusion in our housing reform strategy.

36.    Together we can make progress. Together we can break barriers and unleash the potential of the housing market for economic and social transformation in Nigeria.

37.    I wish you all fruitful deliberations.

38.    Thank you.

 


Nov
30
2023

REMARKS BY THE HON. MINISTER OF HOUSING AND URBAN DEVELOPMENT, ARC. AHMED MUSA DANGIWA AT THE GROUNDBREAKING OF A 480 HOUSING UNIT PROJECT BY CITYGATE HOMES IN ABUJA ON THURSDAY, NOVEMBER 30, 2023

 

Protocols
1.    Good morning, ladies, and gentlemen,
2.    It is with pleasure that I stand before you today on this occasion of the groundbreaking ceremony of the remarkable 480-housing unit project by Citygate Homes here in the heart of Abuja. This groundbreaking event marks a significant contribution to our ongoing efforts to address the pressing need for adequate housing in our country.
3.    Housing is not merely a fundamental human need; it is the cornerstone upon which stable communities and vibrant societies are built. The provision of decent housing stands as a testament to a government's commitment to the welfare and well-being of its citizens. Today's groundbreaking ceremony is a testament to that commitment.
4.    The initiative taken by Citygate Homes aligns perfectly with the government's vision for sustainable urban development. This project embodies the collaborative efforts between the public and private sectors, showcasing how partnerships can drive impactful change and contribute to the growth and development of our nation.
5.    In a rapidly growing city like Abuja, the demand for housing has surged, and it is our collective responsibility to respond to this need. I commend Citygate Homes for their dedication and investment in this endeavor. This housing project will not only provide shelter but will also create job opportunities, stimulate economic growth, and contribute significantly to the enhancement of the local community.
6.    Furthermore, I want to emphasize the importance of sustainability and inclusivity in urban development. As we move forward, it is imperative that our housing projects incorporate eco-friendly designs, embrace technological advancements, and cater to the diverse needs of our society, including the low- and medium-income earners.
7.    In this regard, I will request that the Management of City Gate Homes earmark a certain percentage of the 480-homes as affordable housing with price tags that average Nigerians can afford to buy.
8.    As the Minister of Housing and Urban Development, I am an advocate of affordable housing with the focus on the average Nigerian worker, who are indeed, the majority.
9.    However, I recognize that all Nigerians across all income segments desire access to decent housing and must applaud City Gate for tapping into this market segment. The approach that we are promoting at the Ministry is building integrated communities with housing types that reflect the diverse income segments of our society using cross subsidies. This way we aim to sell high-end homes at market rates and deploy the profits towards subsidizing the units for low and medium income households. This enhances inclusivity.
10.    I therefore urge all stakeholders involved in this project to ensure adherence to the highest standards of quality, timely execution, and transparency throughout its development phases. Let us work together to make these 480 housing units a reality, ensuring they become homes that foster happiness, security, and a sense of belonging for the families who will reside here.
11.    In closing, I want to commend the Management of Citygate Homes for their dedication to the task of housing Nigerians and to everyone present today for their support. Together, let us continue to strive towards building a future where every citizen has access to affordable and dignified housing.

12.    Thank you.

PUBLIC ANNOUNCEMENT


Jun
20
2025

PUBLIC ANNOUNCEMENT


Click To View: RENEWED HOPE HOUSING PORTAL

PHOTO NEWS


Jul
04
2025

PHOTO NEWS: OCCASION OF THE 2025 FMHUD MINISTERIAL RETREAT AND SIGNING OF PERFORMANCE CONTRACTS WITH DIRECTORS AND PERMANENT SECRETARY. FRIDAY 4TH JULY, 2025

Photo News: Occasion of the 2025 FMHUD Ministerial Retreat and Signing of Performance Contracts with Directors and Permanent Secretary. Friday 4th July, 2025

Click To View More Pictures


PHOTO NEWS


Jul
09
2025

ONGOING RENEWED HOPE CITY, KARSANA PROJECT AS @ MONDAY,  JULY 7TH, 2025.

Ongoing Renewed Hope City, Karsana Project as @ Monday,  July 7th, 2025.

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